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Best Indiabulls 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 2022 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 Indiabulls Mutual Funds in India

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
Indiabulls Liquid Direct FundDebtLow to Moderate3.3%2₹241
Indiabulls Short Term FundDebtLow to Moderate2.4%2₹24
Indiabulls Bluechip Direct FundEquityVery High5.2%2₹95
Indiabulls Arbitrage FundHybridLow3.0%2₹14
Indiabulls Tax Savings FundEquityVery High6.9%2₹42
Indiabulls Value FundEquityVery High9.0%2₹11
Indiabulls Equity Hybrid FundHybridVery High5.0%3₹33
Indiabulls Overnight FundDebtLow3.3%1₹38
Indiabulls Dynamic Bond FundDebtLow to Moderate2.5%4₹24
Indiabulls Savings Income FundHybridModerate16.3%3₹10
Indiabulls Income FundDebtLow7.5%4₹16
Indiabulls Ultra Short Term Direct FundDebtLow4.7%4₹18
Indiabulls Gilt FundDebtLow2.8%3₹1
Indiabulls Savings FundDebtLow5.7%1₹1
Indiabulls Banking And PSU Debt FundDebtLow4.9%2₹15
View All

Let's have a closer look

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

Indiabulls Liquid Direct Fund Growth

Fund Performance: The Indiabulls Liquid Direct Fund has given 4.07% annualized returns in the past three years and 5.32% in the last 5 years. The Indiabulls Liquid Direct Fund belongs to the Debt category of Indiabulls Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Indiabulls Liquid Direct Fund via lump sum is ₹500 and via SIP is ₹500.

Min Investment Amt₹500
AUM₹241Cr
1Y Returns3.3%

Indiabulls Short Term Fund Direct Growth

Fund Performance: The Indiabulls Short Term Fund has given 4.51% annualized returns in the past three years and 5.98% in the last 5 years. The Indiabulls Short Term Fund belongs to the Debt category of Indiabulls Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Indiabulls Short Term Fund via lump sum is ₹500 and via SIP is ₹500.

Min Investment Amt₹500
AUM₹24Cr
1Y Returns2.4%

Indiabulls Bluechip Direct Fund Growth

Fund Performance: The Indiabulls Bluechip Direct Fund has given 8.45% annualized returns in the past three years and 9.22% in the last 5 years. The Indiabulls Bluechip Direct Fund belongs to the Equity category of Indiabulls Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Indiabulls Bluechip Direct Fund via lump sum is ₹500 and via SIP is ₹500.

Min Investment Amt₹500
AUM₹95Cr
1Y Returns5.2%

Indiabulls Arbitrage Fund Direct Growth

Fund Performance: The Indiabulls Arbitrage Fund has given 3.9% annualized returns in the past three years and 4.87% in the last 5 years. The Indiabulls Arbitrage Fund belongs to the Hybrid category of Indiabulls Mutual Funds.

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

Min Investment Amt₹500
AUM₹14Cr
1Y Returns3.0%

Indiabulls Tax Savings Fund Direct Growth

Fund Performance: The Indiabulls Tax Savings Fund belongs to the Equity category of Indiabulls Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Indiabulls Tax Savings Fund via lump sum is ₹500 and via SIP is ₹500.

Min Investment Amt₹500
AUM₹42Cr
1Y Returns6.9%

Indiabulls Value Fund Direct Growth

Fund Performance: The Indiabulls Value Fund has given 12.02% annualized returns in the past three years and 5.61% in the last 5 years. The Indiabulls Value Fund belongs to the Equity category of Indiabulls Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Indiabulls Value Fund via lump sum is ₹500 and via SIP is ₹500.

Min Investment Amt₹500
AUM₹11Cr
1Y Returns9.0%

Indiabulls Equity Hybrid Fund Direct Growth

Fund Performance: The Indiabulls Equity Hybrid Fund belongs to the Hybrid category of Indiabulls Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Indiabulls Equity Hybrid Fund via lump sum is ₹500 and via SIP is ₹500.

Min Investment Amt₹500
AUM₹33Cr
1Y Returns5.0%

Indiabulls Overnight Fund Direct Growth

Fund Performance: The Indiabulls Overnight Fund belongs to the Debt category of Indiabulls Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Indiabulls Overnight Fund via lump sum is ₹500 and via SIP is ₹500.

Min Investment Amt₹500
AUM₹38Cr
1Y Returns3.3%

Indiabulls Dynamic Bond Fund Direct Growth

Fund Performance: The Indiabulls Dynamic Bond Fund belongs to the Debt category of Indiabulls Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Indiabulls Dynamic Bond Fund via lump sum is ₹500 and via SIP is ₹500.

Min Investment Amt₹500
AUM₹24Cr
1Y Returns2.5%

Indiabulls Savings Income Fund Direct Growth

Fund Performance: The Indiabulls Savings Income Fund has given 8.7% annualized returns in the past three years and 9.92% in the last 5 years. The Indiabulls Savings Income Fund belongs to the Hybrid category of Indiabulls Mutual Funds.

Minimum Investment Amount:

Min Investment Amt₹500
AUM₹10Cr
1Y Returns16.3%

Indiabulls Income Fund Direct Growth

Fund Performance: The Indiabulls Income Fund has given 7.92% annualized returns in the past three years and 8.23% in the last 5 years. The Indiabulls Income Fund belongs to the Debt category of Indiabulls Mutual Funds.

Minimum Investment Amount:

Min Investment Amt₹500
AUM₹16Cr
1Y Returns7.5%

Indiabulls Ultra Short Term Direct Fund Growth

Fund Performance: The Indiabulls Ultra Short Term Direct Fund has given 6.71% annualized returns in the past three years and 7.3% in the last 5 years. The Indiabulls Ultra Short Term Direct Fund belongs to the Debt category of Indiabulls Mutual Funds.

Minimum Investment Amount:

Min Investment Amt₹500
AUM₹18Cr
1Y Returns4.7%

Indiabulls Gilt Fund Direct Growth

Fund Performance: The Indiabulls Gilt Fund has given 7.44% annualized returns in the past three years and 9.22% in the last 5 years. The Indiabulls Gilt Fund belongs to the Debt category of Indiabulls Mutual Funds.

Minimum Investment Amount:

Min Investment Amt₹500
AUM₹1Cr
1Y Returns2.8%

Indiabulls Savings Fund Direct Growth

Fund Performance: The Indiabulls Savings Fund belongs to the Debt category of Indiabulls Mutual Funds.

Minimum Investment Amount:

Min Investment Amt₹500
AUM₹1Cr
1Y Returns5.7%

Indiabulls Banking And PSU Debt Fund Direct Growth

Fund Performance: The Indiabulls Banking And PSU Debt Fund belongs to the Debt category of Indiabulls Mutual Funds.

Minimum Investment Amount:

Min Investment Amt₹500
AUM₹15Cr
1Y Returns4.9%

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