Not every rupee belongs in equity. Debt funds lend to governments and companies and aim for steady, FD-like returns with daily liquidity and no lock-in. Since April 2023 their gains are taxed at your slab rate (the indexation benefit is gone), so treat them as a liquidity-and-stability bucket, not a tax play.
Anyone with a 1–3 year goal, an emergency reserve, or money they simply can't risk in equity.
Debt only — the category built for capital preservation over capital growth. Ranked by 3-year return, the window most debt funds actually report.
1–3 years
Low
Direct-plan funds from the Debt category, ranked by 3-year return. Past returns don’t predict future ones — use this as a starting shortlist, not a buy list.
Editorial
Mutual Funds · 26 Jul 2026
In April 2026, more Indians are turning to systematic investment plans (SIPs) as a practical way to build wealth over time. But here's a surprising fact: y
By InvestingPro Research
Mutual Funds · 14 Jul 2026
A SIP (Systematic Investment Plan) lets you invest fixed amounts regularly in mutual funds, reducing market timing risk. Learn how SIPs work, their tax benefits, and top funds to consider in 2026.
By InvestingPro Investment Desk
Mutual Funds · 16 Jun 2026
ELSS funds carry the shortest lock-in among Section 80C options — just 3 years. But the rules work differently for lump sums and SIPs, and most investors misread the SIP unlock schedule.
Mutual Funds · 16 Jun 2026
CAGR works for a one-time lump sum, but your SIP needs XIRR. Here's exactly which return number to trust and why your Groww or Coin app shows XIRR.
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Mutual Funds · 4 Jun 2026
A nomination on your mutual fund folios decides whether your family claims your units in weeks or after a court. Here is how to add up to 10 nominees, the nominee-versus-legal-heir trap, and the exact documents and process to transmit units after a death via CAMS, KFintech or MF Central.
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Mutual funds in India are regulated by SEBI and managed by AMFI-registered AMCs. Fund performance, ratings, and expense ratios shown are sourced from AMFI / scheme information documents. Past performance is NOT indicative of future returns. NAV fluctuates with market conditions; capital is at risk.
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