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Best Quant Debt Mutual Funds

Quant Mutual Fund was set up in April 1996. As of 2021, the AMC has an Asset Under Management of Rs.24,65,338.68 crore and an average quarterly AUM of Rs.721.48 crore. Moreover, it has a market percentage of 0.01% in the Indian mutual fund sector, with close to 15 schemes in total. 

The fund options under this AMC mostly comprise small-cap equity, short-term liquid, and multi-asset hybrid funds, constituting the best quant debt mutual funds. 

SEBI defines debt mutual funds as those investing primarily in debt instruments. For example, debt instruments can be commercial papers, certificates of deposits, debentures, government securities, treasury bills, etc. Issuers of debt instruments raise money against these securities from the bond market. They later pay back the principal along with specified interest. 

However, there may arise a case where the issuer is unable to pay back the principal. The risk associated with this phenomenon is known as credit risk. Hence, before investing in the top quant debt mutual funds, one may want to study the credit rating of underlying bonds which different rating agencies accredit. 

However, debt instruments are safer and less volatile than equity instruments. Hence, the upsides of debt mutual funds are capital preservation and income generation. Moreover, there are plenty of subtypes of debt mutual funds. Therefore, the classification is done on the tenure of securities, type of issuer, and fund management strategy. 

Based on tenure, there are short-term debt mutual funds. They comprise liquid, overnight and ultra-short duration funds with a maturity period of fewer than 6 months. Further, medium debt mutual funds comprise securities with a Macaulay duration between 3 and 4 years. Finally, long term debt MFs feature debt instruments with a Macaulay duration of more than 7 years, respectively. 

At present, there are near about 5 options in the debt mutual fund category under the supervision of this AMC. 

Some of the best quant debt mutual funds in 2023 in the short-term category have limited exposure to interest rate risk. They also provide better returns than savings accounts or fixed deposits. 

Individuals can earn from debt mutual funds in two ways – capital gains and interest earnings. The former is offered if an investor opts for the dividend payout option. One earns capital gains when they sell the units of a scheme. 

Taxability

Based on the duration of holding, these gains may be classified as short-term capital gains or long-term capital gains. If the debt mutual fund units were held for 3 years or less before the sale, they are considered short-term capital gains. If the units were held for more than 3 years, they are classified as long-term capital gains. 

Short-term Capital Gains Tax: The IT Department taxes short-term capital gains by adding them to the annual income of an investor before calculating tax per applicable bracket. 

Long-term Capital Gains Tax: LTCG is taxed at 20% with indexation benefits. 

Factors to Consider Before Investing

Apart from the taxation, there are other factors to consider before investing in the best quant debt mutual funds. These are the expense ratio, risk appetite, duration, etc. 

Expense ratio: Managing a fund incurs plenty of expenses. The fund managers and brokers have to be paid. Moreover, other overheads need to be cleared. Such management fees are levied on investors in the form of expense ratios. The expense ratio should be deducted from the return rate before calculating returns. 

Risk appetite: Every investor should be aware of the risks associated with any investment. Beyond that, however, an investor should know their risk appetite, which denotes the level of losses they can digest should a fund underperform. Therefore, the best quant debt mutual funds have lower associated risk than equity shares. 

Present interest rate: Before investing in debt mutual funds, investors should also consider the current interest rate regime. Typically, there is an inverse link between debt mutual funds and market interest rates. When interest rates go up, the value of pre-issued bonds decrease. Moreover, when interest rates fall, the value of such bonds go up. These fluctuations influence a scheme’s NAV. Therefore, investors may study the present interest rates and the probability of them going up before investing.

Exit load: AMCs charge an exit load as a penalty if an investor prematurely exits a scheme. The exit load is levied to discourage investors from withdrawing from funds. However, liquid mutual funds come with no exit load because of their low maturity period. Therefore, before investing in any of the best quant debt mutual funds, investors should know the exit load. 

Size of AUM: AUM size determines how thinly or thickly the fund expenses will be spread across investors. Usually, a scheme with a significant AUM will involve a lower expense ratio. 

In conclusion, investment in the best quant debt mutual funds 2022 is a risky matter. Thus, one may want to undertake all investments after considerable thought and prudence.

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List of Quant Debt Mutual Funds in India

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
Quant Small Cap Fund
EquityVery High75.9%3₹15,663
Quant Tax Plan Fund
EquityVery High25.8%5₹5,614
Quant ELSS Tax Saver Fund
EquityVery High60.2%5₹7,237
Quant Large and Mid Cap Fund
EquityVery High60.6%5₹1,689
Quant Liquid Direct Fund
DebtModerate7.1%2₹1,754
Quant Active Fund
EquityVery High52.5%--₹8,142
Quant Focused Fund
EquityVery High56.8%5₹655
Quant Mid Cap Fund
EquityVery High65.0%5₹4,857
Quant Absolute Fund
HybridVery High39.9%5₹1,677
Quant Infrastructure Fund
EquityVery High79.5%5₹1,636
View All

Let's have a closer look

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

Quant Small Cap Fund Direct Plan Growth

Fund Performance: The Quant Small Cap Fund has given 47.89% annualized returns in the past three years and 40.19% in the last 5 years. The Quant Small Cap Fund comes under the Equity category of Quant Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Quant Small Cap Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹15,663Cr
1Y Returns75.9%

Quant Tax Plan Direct Growth

Fund Performance: The Quant Tax Plan Fund has given 34.96% annualized returns in the past three years and 30.25% in the last 5 years. The Quant Tax Plan Fund comes under the Equity category of Quant Mutual Funds.

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

Min Investment Amt₹500
AUM₹5,614Cr
1Y Returns25.8%

Quant ELSS Tax Saver Fund Direct Growth

Fund Performance: The Quant ELSS Tax Saver Fund has given 35.44% annualized returns in the past three years and 35.1% in the last 5 years. The Quant ELSS Tax Saver Fund comes under the Equity category of Quant Mutual Funds.

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

Min Investment Amt₹500
AUM₹7,237Cr
1Y Returns60.2%

Quant Large and Mid Cap Fund Direct Growth

Fund Performance: The Quant Large and Mid Cap Fund has given 33.32% annualized returns in the past three years and 28.24% in the last 5 years. The Quant Large and Mid Cap Fund comes under the Equity category of Quant Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Quant Large and Mid Cap Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹1,689Cr
1Y Returns60.6%

Quant Liquid Direct Fund Growth

Fund Performance: The Quant Liquid Direct Fund has given 5.57% annualized returns in the past three years and 5.78% in the last 5 years. The Quant Liquid Direct Fund comes under the Debt category of Quant Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Quant Liquid Direct Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹1,754Cr
1Y Returns7.1%

Quant Active Fund Direct Growth

Fund Performance: The Quant Active Fund has given 32.55% annualized returns in the past three years and 31.81% in the last 5 years. The Quant Active Fund comes under the Equity category of Quant Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Quant Active Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹8,142Cr
1Y Returns52.5%

Quant Focused Fund Direct Growth

Fund Performance: The Quant Focused Fund has given 27.83% annualized returns in the past three years and 25.95% in the last 5 years. The Quant Focused Fund comes under the Equity category of Quant Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Quant Focused Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹655Cr
1Y Returns56.8%

Quant Mid Cap Fund Direct Growth

Fund Performance: The Quant Mid Cap Fund has given 41.77% annualized returns in the past three years and 34.28% in the last 5 years. The Quant Mid Cap Fund comes under the Equity category of Quant Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Quant Mid Cap Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹4,857Cr
1Y Returns65.0%

Quant Absolute Fund Direct Growth

Fund Performance: The Quant Absolute Fund has given 28.12% annualized returns in the past three years and 27.33% in the last 5 years. The Quant Absolute Fund comes under the Hybrid category of Quant Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Quant Absolute Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹1,677Cr
1Y Returns39.9%

Quant Infrastructure Fund Direct Growth

Fund Performance: The Quant Infrastructure Fund has given 46.71% annualized returns in the past three years and 38.8% in the last 5 years. The Quant Infrastructure Fund comes under the Equity category of Quant Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Quant Infrastructure Fund via lump sum is ₹5,000 and via SIP is ₹1,000.

Min Investment Amt₹5,000
AUM₹1,636Cr
1Y Returns79.5%

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