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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
How to Invest in Debt Mutual Funds in India Step by Step Invest in debt mutual funds in India by matching the fund category to your time horizon, checking credit quality and maturity, com… 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
Why Is My Debt Fund Underperforming Its Benchmark? A debt mutual fund underperforms its benchmark mainly due to expense ratio, credit risk mismatch, duration mismatch, mark-to-marke… 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