Top-rated Debt Mutual Funds You Should Look to Invest in


  • Do you know the top-rated debt mutual funds? No! Check out the list here
  • The list comprises of Axis Banking & PSU Debt Fund, Reliance Liquid Fund, etc

Do you want to ensure capital safety along with stable returns being a conservative investor? If so, then the best way you can achieve this is by investing in debt mutual funds that have in them to ensure the same. The Indian asset management space is flush with such funds that invest predominantly in fixed income instruments such as bonds, debentures, etc. What if the debt fund you choose has a good rating? You would like to invest in it, won’t you? After all, a good rating is assigned mostly because of the good performance the fund must have delivered over the years. The rating, which is given in 1-5 stars, also takes into account the quality of the instruments where the particular fund has invested the money in. This post will brief you on those top-rated debt mutual fund schemes.

List of Top-rated Debt Mutual Fund Schemes

Check out the table below showing a list of top-rated debt mutual fund schemes.

Debt Mutual FundsRating1-year Return3-year Return5-year Return10-year Return
Axis Banking & PSU Debt Fund
5 Star10.66%8.26%8.43%-
Reliance Liquid Fund5 Star7.51%7.11%7.62%7.84%
Axis Liquid Fund5 Star7.43%7.11%7.62%-
Baroda Liquid Fund5 Star7.40%7.10%7.63%7.85%
HDFC Short Term Debt Fund5 Star9.24%7.69%8.37%-
Franklin India Short Term Income Plan - Retail Plan5 Star8.29%8.49%8.79%8.73%
Baroda Short Term Bond Fund5 Star8.96%8.10%8.48%-
Franklin India Dynamic Accrual Fund
5 Star8.69%8.51%9.56%8.14%

Note – The data is sourced from Value Research as on August 5, 2019, and pertains to the regular plan of the schemes shown above.

How to Invest in Top-rated Debt Funds Online?

Investing in a top-rated debt mutual fund is easy at Wishfin, a neutral online marketplace that has in it the best of mutual fund schemes offered by AMCs across India. You need to follow the steps described below before investing in a fund.

  • Go to
  • Click on ‘Mutual Funds’
  • Go to ‘Register’
  • Enter your mobile number
  • Click on ‘Get Started’
  • Mention your name, email ID, the city you live in
  • Create a password that conforms to alphabet, numeric and special character requirements
  • Click on ‘Sign Up’
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Your account will be created so that you can login.

After Login

  • Go to ‘Explore Mutual Funds’
  • Click on ‘Debt’ icon
  • A list of debt funds with different ratings, denoted in stars, will flash on the screen
  • Click on ‘Invest’ below any of the top-rated schemes you wish to invest in

Disclaimer – “Mutual fund investments are subject to market risks. Please read the scheme document carefully before investing”.

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