Who Should Invest in Debt Mutual Funds?


  • A conservative investor seeking stable returns? Debt mutual funds are where you should keep your money in
  • Choose from top-performing debt mutual funds at Wishfin

An investment that can ensure capital protection and give more returns than the traditional products may just reverberate among the senses of all those conservative investors craving for the same. The investment that can help you gain so is a debt mutual fund, which invests predominantly in fixed income instruments. So, if you are a conservative investor and possess a low-risk appetite, debt funds can appeal to you and help achieve your investment objective.

Which Debt Funds Should You Look to Invest in?

You can check the below a curated list of debt funds that have given reasonably good returns to investors at different points of time.

Debt Mutual FundsRating1-year Return3-year Return5-year Return10-year Return
Axis Banking & PSU Debt Fund
5 Star10.80%8.29%8.45%-
Reliance Liquid Fund5 Star7.51%7.11%7.62%7.85%
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 Star9.33%7.71%8.40%-
Franklin India Short Term Income Plan - Retail Plan5 Star8.33%8.50%8.80%8.74%
Baroda Short Term Bond Fund5 Star9.04%8.12%8.50%-
Franklin India Dynamic Accrual Fund
5 Star8.69%8.51%9.59%8.16%

Note – The data is sourced from Value Research as on August 6, 2019, and pertains to the regular plan of the schemes shown above.

How to Invest in Debt Funds Online?

If you seek a neutral financial marketplace to invest in debt mutual funds, Wishfin is where you should invest in. It’s a premier online marketplace that keeps with itself a long list of top-performing mutual fund schemes. You can just go there, compare the debt schemes on offer and choose the one that matches your risk profile and investment objective. You can know the process of investing in debt funds through the points shown below.

  • Go to www.wishfin.com
  • 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 by entering a few more details.

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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