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Debt Funds

Covers debt mutual funds — liquid, gilt, corporate bond, and credit risk funds — including how they work, duration strategy, and tax rules in India.

What is the Average Maturity of a Debt Fund? Average maturity of a debt fund is the weighted average time until its bonds are repaid. It sets how sensitive the fund is to inte… 5 min read
FMP vs Debt Fund — Which is Better? A Fixed Maturity Plan (FMP) is a close-ended fund that offers predictable returns by locking in your investment for a fixed term. … 5 min read
What is Credit Quality in a Debt Fund? Credit quality in a debt fund refers to the ability of the bond issuers (companies or governments) to repay their debt. It is a me… 5 min read
What is Coupon Rate in a Debt Fund Portfolio? The coupon rate of a debt fund portfolio is the weighted average of the fixed interest rates paid by all the individual bonds held… 5 min read
Target Maturity Fund vs FMP — Which is More Predictable? Target Maturity Funds and Fixed Maturity Plans both offer predictable debt fund returns, but TMFs provide far better liquidity. FM… 5 min read
What is the Minimum Investment in a Debt Mutual Fund? The minimum investment in a debt mutual fund can be as low as 100 or 500 rupees, especially through a Systematic Investment Plan (… 5 min read
What is a Liquid Fund? A liquid fund is a type of debt mutual fund that invests in very short-term market instruments with maturities of up to 91 days. T… 5 min read
Why Liquid Funds Are Better Than Keeping Cash in a Bank A debt mutual fund invests in fixed-income instruments like bonds, lending money to governments and companies. Liquid funds are a … 5 min read
How Liquid Funds Work for Salaried Employees Liquid funds are a type of debt mutual fund that invests in very short-term money market instruments. For salaried employees, they… 5 min read
What is a Long Duration Debt Fund? A long duration debt mutual fund holds bonds with a Macaulay duration above 7 years. It earns big when interest rates fall and los… 5 min read
How to Apply Duration Strategy in Debt Fund Investing Applying a duration strategy in debt fund investing means choosing funds based on how sensitive they are to interest rate changes.… 5 min read
What is the G-Sec Yield and How to Track It for Debt Funds The G-Sec yield is the return an investor gets on a Government Security (G-Sec) if they hold it until maturity. It is a key indica… 5 min read
When Should You Invest in Gilt Funds? You should invest in gilt funds when you expect interest rates to fall or remain low, especially if you have a medium to long-term… 5 min read
Medium-to-Long Duration Fund for NRI Investors Medium-to-long duration debt mutual funds invest in bonds maturing in 4 to 7 years, offering NRIs steady returns above fixed depos… 5 min read
What is Yield Spread in a Gilt Fund vs Corporate Bond Fund? Yield spread is the extra return a corporate bond fund offers above a gilt fund of similar maturity, currently around half to one … 5 min read
How to Read the Modified Duration Number on a Debt Fund Fact Sheet Modified Duration tells you how sensitive a debt fund's value is to changes in interest rates. You can find this number on a fund'… 5 min read
How IL&FS Default Affected Debt Fund Investors The IL&FS default caused a sharp fall in the Net Asset Value (NAV) of many debt funds because they had lent money to the company. … 5 min read
Is It Safe to Invest in Credit Risk Funds After Franklin Templeton? Credit risk funds are not entirely unsafe after the Franklin Templeton crisis, but they remain a high-risk investment. New regulat… 5 min read
Why Credit Risk Funds Gave Negative Returns in 2020 Credit risk funds hold below-AA bonds for extra yield. In April 2020, Franklin Templeton wound up six debt schemes as Covid froze … 5 min read
Difference Between AAA, AA and A-Rated Bonds in a Debt Fund The primary difference between AAA, AA, and A-rated bonds is their credit risk and potential return. AAA-rated bonds have the high… 5 min read
What is SEBI Concentration Limit for Debt Funds? SEBI concentration limits for debt funds define how much a debt fund can invest in a single issuer, a group of companies, or a spe… 5 min read
Short-Term Capital Gains Tax on Debt Funds Explained Short-term capital gains tax on debt funds is the tax you pay on profits from selling your fund units within 36 months. This profi… 5 min read
What is the Role of Debt Funds in a Balanced Portfolio? A debt mutual fund is an investment that pools money from investors to lend to governments and corporations. Its primary role in a… 5 min read
How to Build a ₹50 Lakh Corpus Using Debt Funds in 10 Years Building a 50 lakh corpus in 10 years with debt funds is achievable through disciplined investing. By starting a monthly SIP of ar… 5 min read
NRI Investing in Debt Mutual Funds in India — What to Know NRIs can still invest in Indian debt mutual funds, but the 2023 tax change made gains slab-taxed like an FD. Use NRE routing for r… 5 min read
₹50 Lakh in Debt Funds — How Much Monthly Income Can It Generate? A 50 lakh rupees debt mutual fund corpus throws off about 29,000 rupees a month before tax at a 7 percent yield. After-tax monthly… 6 min read
Passive Debt Funds vs Active Debt Funds — Which is Better? Passive debt funds are better for most investors because they offer low costs and predictable returns by simply tracking an index.… 5 min read
Debt Mutual Fund Kya Hai — Simple Explanation A debt mutual fund invests your money in bonds, government securities, and other fixed-income instruments instead of stocks. It ea… 5 min read