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Best Groww Debt Mutual Funds

Incorporated in 2008, Indiabulls Mutual Fund is a leading AMC in India. Indiabulls Trustee Company Ltd acts as its trustee and Indiabulls Housing Finance Limited as the sponsor. It serves more than 9,00,000 customers in India. As of 31 March, 2021, this fund house manages assets worth approximately Rs.663.69 crore. 

Indiabulls Mutual Fund offers more than 10 schemes in various channels. These MF investment schemes comprise hybrid schemes, equity schemes, and debt schemes.

Debt funds are a type of mutual fund that invests predominantly in fixed-income securities. The best Indiabulls debt mutual funds distribute wealth in a number of money-making instruments, such as treasury bills, debentures, government securities, commercial papers, and corporate bonds, among others.

The underlying instruments in debt funds have a pre-decided rate of interest and maturity date. Therefore, debt MF investors receive yields based on the interest earned by them. As a result, debt mutual funds are also referred to as fixed-income funds.

Depending upon the type of fund, an investment in debt mutual funds can have its set of benefits as well as drawbacks. The best Indiabulls debt mutual funds 2023 usually offer high liquidity, stable returns, and more flexibility. Additionally, given that debt MFs invest in varied fixed-income avenues, they tend to dilute the associated risks of investment.

Moreover, as debt MFs are less volatile, investments in these funds are deemed to be less risky than other aggressive investment tools, like equity mutual funds. On the downside, debt funds usually offer lower returns compared to their equity counterparts.

Indiabulls Mutual Fund offers more than 4 schemes under its category of debt funds. These funds include several long- and short-term options in their investment portfolio.

Factors to Consider Before Investing

When investing in any of the top Indiabulls debt mutual funds, it is essential to have an elementary idea of a number of parameters. A clear understanding of these factors can assist prospective investors in making better investment decisions. 

Investment objective: Before investing in any of the best Indiabulls debt mutual funds, one must evaluate his/her investment objective. Investors can select a scheme premised on their financial goals and the timeframe within which they wish to achieve these goals. 

Holding analysis: It is also important to review an MF’s previous performance prior to investing. Although a fund’s past performance does not necessarily indicate its probable returns, it certainly offers crucial insights for investors to ascertain future returns under similar market conditions. 

Expense ratio: Mutual fund houses levy a charge in terms of percentage. Charged against portfolio management, this amount is deducted from the generated returns.

Risk appetite: Mutual fund investments are subject to various types of market risks. Therefore, it is critical to ascertain your ability to digest the same. Typically, debt mutual funds are less vulnerable to market risks. However, they can be prone to inflation, interest rate, and credit risks. An understanding of these associated risks can help investors determine the best Indiabulls debt mutual fund for them.

Exit load: Asset management companies charge an exit load from investors if they divest from a scheme either fully or partially within a specific tenure. That being said, some debt MF schemes may not include any exit load. Therefore, it is wise for investors to scan through these factors beforehand. 

Credit risk of portfolio constituents: Credit rating agencies in India evaluate the creditworthiness of issuers of fixed-income securities. Debt securities that exhibit a low credit risk get an ‘AAA’ rating. On the other hand, debt security with high default risk receives a credit rating of ‘C’ or lower.

Taxability

Alongside a comprehensive understanding of these aspects, it is also imperative to know about the best Indiabulls debt mutual funds’ tax treatment. Debt funds are subject to two types of taxation depending on their holding period, namely short-term capital gains tax (STCGT) and long-term capital gains tax (LTCGT).

Short-term Capital Gains Tax or STCGT: This tax is applicable when investors divest from an MF scheme before a holding period of 3 years. Here, an investor’s gains are added to his/her taxable income and taxed per their income slab.

Long-term Capital Gains Tax or LTCG: LTCGT is applicable when debt mutual funds are redeemed after a period of 3 years. In this case, an investor is liable to pay a 20% tax. Moreover, these funds also offer indexation benefits to investors, thereby lowering their taxable income.

TDS: It is not applicable to debt MFs.

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List of Groww Debt Mutual Funds in India

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
Groww Liquid Direct Fund
DebtModerate7.0%--₹175
Groww Short Duration Fund
DebtModerate6.9%--₹37
Groww Large Cap Fund
EquityVery High34.9%--₹114
Groww ELSS Tax Saver Fund
EquityVery High39.0%--₹43
Groww Value Fund
EquityVery High43.6%--₹15
Groww Aggressive Hybrid Fund
HybridVery High28.2%--₹39
Groww Overnight Fund
DebtLow6.5%--₹74
Groww Banking & Financial Services Fund
EquityVery HighNA--NA
Groww Nifty Total Market Index Fund
OtherVery HighNA--₹90
Groww Dynamic Bond Fund
DebtModerate6.8%--₹37
View All

Let's have a closer look

Now let us jump and check about these top 10 mutual fund schemes.

Groww Liquid Direct Fund Growth

Fund Performance: The Groww Liquid Direct Fund has given 5.08% annualized returns in the past three years and 5.07% in the last 5 years. The Groww Liquid Direct Fund comes under the Debt category of Groww Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Groww Liquid Direct Fund via lump sum is ₹100 and via SIP is ₹100.

Min Investment Amt₹100
AUM₹175Cr
1Y Returns7.0%

Groww Short Duration Fund Direct Growth

Fund Performance: The Groww Short Duration Fund has given 5.06% annualized returns in the past three years and 5.51% in the last 5 years. The Groww Short Duration Fund comes under the Debt category of Groww Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Groww Short Duration Fund via lump sum is ₹100 and via SIP is ₹100.

Min Investment Amt₹100
AUM₹37Cr
1Y Returns6.9%

Groww Large Cap Fund Direct Fund Growth

Fund Performance: The Groww Large Cap Fund has given 16.9% annualized returns in the past three years and 15.91% in the last 5 years. The Groww Large Cap Fund comes under the Equity category of Groww Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Groww Large Cap Fund via lump sum is ₹100 and via SIP is ₹100.

Min Investment Amt₹100
AUM₹114Cr
1Y Returns34.9%

Groww ELSS Tax Saver Fund Direct Growth

Fund Performance: The Groww ELSS Tax Saver Fund has given 18.42% annualized returns in the past three years and 17.15% in the last 5 years. The Groww ELSS Tax Saver Fund comes under the Equity category of Groww Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Groww ELSS Tax Saver Fund via lump sum is ₹500 and via SIP is ₹1,000.

Min Investment Amt₹500
AUM₹43Cr
1Y Returns39.0%

Groww Value Fund Direct Growth

Fund Performance: The Groww Value Fund has given 20.84% annualized returns in the past three years and 18.56% in the last 5 years. The Groww Value Fund comes under the Equity category of Groww Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Groww Value Fund via lump sum is ₹10 and via SIP is ₹10.

Min Investment Amt₹10
AUM₹15Cr
1Y Returns43.6%

Groww Aggressive Hybrid Fund Direct Growth

Fund Performance: The Groww Aggressive Hybrid Fund has given 15.52% annualized returns in the past three years and 15.49% in the last 5 years. The Groww Aggressive Hybrid Fund comes under the Hybrid category of Groww Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Groww Aggressive Hybrid Fund via lump sum is ₹100 and via SIP is ₹100.

Min Investment Amt₹100
AUM₹39Cr
1Y Returns28.2%

Groww Overnight Fund Direct Growth

Fund Performance: The Groww Overnight Fund comes under the Debt category of Groww Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Groww Overnight Fund via lump sum is ₹100 and via SIP is ₹100.

Min Investment Amt₹100
AUM₹74Cr
1Y Returns6.5%

Groww Banking & Financial Services Fund Direct Growth

Fund Performance: The Groww Banking & Financial Services Fund comes under the Equity category of Groww Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Groww Banking & Financial Services Fund via lump sum is ₹500 and via SIP is ₹100.

Min Investment Amt₹500
AUMNACr
1Y ReturnsNA

Groww Nifty Total Market Index Fund Direct Growth

Fund Performance: The Groww Nifty Total Market Index Fund comes under the Other category of Groww Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Groww Nifty Total Market Index Fund via lump sum is ₹10 and via SIP is ₹10.

Min Investment Amt₹10
AUM₹90Cr
1Y ReturnsNA

Groww Dynamic Bond Fund Direct Growth

Fund Performance: The Groww Dynamic Bond Fund has given 5.17% annualized returns in the past three years and 6.34% in the last 5 years. The Groww Dynamic Bond Fund comes under the Debt category of Groww Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Groww Dynamic Bond Fund via lump sum is ₹100 and via SIP is ₹1,000.

Min Investment Amt₹100
AUM₹37Cr
1Y Returns6.8%

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