No paid rankings
Methodology disclosed
SEBI-compliant
Editorial standards
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.
Advertiser Disclosure: InvestingPro.in is an independent comparison platform. We may receive compensation when you click on links to products from our partners (like Banks or AMCs). However, our reviews, ratings, and comparisons are based on objective analysis and are never influenced by compensation.
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.
Risk note: Mutual fund investments are subject to market risks. Read all scheme-related documents (SID/KIM) carefully before investing. We are NOT a SEBI-registered investment advisor (RIA); for personalised advice consult a registered advisor at sebi.gov.in.
InvestingPro is an independent comparison and education platform. We are NOT a SEBI-registered investment advisor, IRDAI-licensed insurance broker, or RBI-licensed lending intermediary. We may earn affiliate commission when you click through to a partner — see how we make money. For personalised advice consult a registered advisor.