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Best Debt Funds in India

Looking to invest in debt mutual funds but confused on which fund to invest in for better returns? Here are some of the best performing debt funds in India that can promise you attractive returns.

Mutual funds investment has become a popular trend these days. This is because it helps people make smaller investments in a systematic way that can accrue higher returns in future. Though there are different types of mutual funds available, debt mutual funds are always attractive as they yield good returns even when interest rates are trending down. In addition, it has become much easier for investors to invest in mutual funds with the launch of online investment services. Let’s have a look at the top performing debt funds in 2016.

Franklin India Ultra Short Bond Fund

This is an open ended income fund and provides a combination of regular income and high liquidity by investing in short term debt and money market instruments.

With a credit rating of (ICRA) A1+mfs, this fund offers a high degree of safety in terms of timely receipt of payments. The fund is suitable for investors with an investment horizon of up to 3 months who prefer accrual based debt products.

It is recommended to hold your money in this fund for at least one year and expect to get about 7-8% return.

ICICI Prudential Long Term Fund – Regular Plan

This open-ended income fund aims at generating regular income through investments in debt and money market instruments.

It is one of the most popular debt mutual funds for investors who look at debt allocation for a medium to long-term investment horizon. The fund endeavors to generate accrual returns with reduced mark-to-market risk.

The Long Term Fund follows a disciplined investment mechanism with a portfolio organized to generate rational accrual return with low mark to market volatility by investing in securities that offer returns proportionate with low levels of risk.


Principal India Dynamic Bond Fund

With an aim to generate regular income and capital appreciation, this open-ended income plan is the best choice for investment in today’s volatile market conditions. It has the flexibility to move into short-term/long-term instruments depending upon the fund manager’s outlook on interest rates.

This dynamic fund is ideal for those investors who wish to invest in bond funds, but do not want to time the markets.

BSL Medium Term Plan

Birla Sun Life Medium Term Plan is perfect for investors who look for higher returns within the debt category, with additional risks. It is typically an income fund which aims to optimize returns by determining mispriced credit opportunities in medium term securities in the market and carefully investing in them.

The minimum investment for this fund is Rs. 5,000. Investors should note that the fund carries an exit load of 2% for withdrawals within 1 year and an exit load of 1% for withdrawals within 2 years. HencePsychology Articles, the ideal investment period for this fund is 2 to 3 years.


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Prerna is a finance expert, express her views on debt fund in India. There are portfolio managements companies which offer safe online investment facility for users to make their transaction quick and easy.

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