Best IDFC Debt Mutual Funds

IDFC Mutual Fund works under the name IDFC Asset Management Company. The main objective of this mutual fund company is to grow the AUM of the company by offering adequate products for retail, as well as industrial customers.

IDFC is a relatively new fund house, but nevertheless, has won many accolades for its performance, from various agencies.

IDFC mutual fund offers a bunch of mutual fund schemes that have performed relatively well in the market and therefore, this fund house has carved a niche for itself.

It provides funds ranging from equity to debt to hybrid.

This AMC focuses on infrastructure as its key area and its main businesses in Project Finance, Principal Investments, Financial Markets and Investment Banking, Broking, Advisory Services and Asset Management.

IDFC effectively started off its business in 2000 and has since then been catering to investor needs by periodically improving its fund stature, holdings and policies.

If you are saving for very short-term goals like a vacation or buying an automobile, then this category is ideal for gains within one year. It is also an excellent resort to park your money until you decide where to invest or spend next. Returns are taxed as per your income tax slab if sold before three years and have negligible tax post that period.

Purpose: Invest here for your short term goals like a vacation, buying a bike, jewelry or expensive gadget.

Top 10 Idfc Mutual Funds

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
IDFC Government Securities Fund - PF PlanDebtModerate2.4%4star101
IDFC Government Securities Fund Investment PlanDebtModerate4.1%4star358
IDFC Banking & PSU FundDebtModerately Low5.6%3star776
IDFC Dynamic Bond FundDebtModerate4.0%3star2,095
IDFC Bond Fund - Short Term FundDebtModerately Low6.1%3star4,974
IDFC Bond Fund - Medium Term FundDebtLow5.2%3star4,089
IDFC Government Securities Fund - Constant Maturity FundDebtLow6.8%3star96
IDFC Bond Fund - Long Term FundDebtModerate3.7%3star1,316
IDFC Bond Fund - Short Term FundDebtModerately Low4.9%3star5,295
IDFC Low Duration FundDebtModerately Low6.8%3star3,186
IDFC Cash FundDebtLow7.3%3star12,717
IDFC Corporate Bond FundDebtModerate5.3%2star10,888
IDFC Money Manager FundDebtModerately Low6.3%2star1,486
IDFC Credit Risk FundDebtModerate5.0%2star1,247
View All Top 10 Idfc Mutual Funds

Let's have a closer look

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

IDFC Government Securities Fund - Investment Plan - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Gilt segment and provided 7.86% annualized returns in the last 3 years. In the last 1 year, it gave 2.44% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 2.44% returns in the last 1 year. Groww rated this fund as 4 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Suyash Choudhary

Launch Date31 Dec 2012
Min Investment Amt100
Groww Rating4star
AUM101Cr
1Y Returns2.4%

IDFC Government Securities Fund Investment Plan - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Gilt segment and provided 7.48% annualized returns in the last 3 years. In the last 1 year, it gave 4.06% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 4.06% returns in the last 1 year. Groww rated this fund as 4 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Suyash Choudhary

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating4star
AUM358Cr
1Y Returns4.1%

IDFC Banking & PSU Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Banking & PSU segment and provided 6.71% annualized returns in the last 3 years. In the last 1 year, it gave 5.62% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 5.62% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Anurag Mittal

Launch Date6 Mar 2013
Min Investment Amt5,000
Groww Rating3star
AUM776Cr
1Y Returns5.6%

IDFC Dynamic Bond Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Dynamic segment and provided 7.55% annualized returns in the last 3 years. In the last 1 year, it gave 4.02% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 4.02% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Suyash Choudhary

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating3star
AUM2,095Cr
1Y Returns4.0%

IDFC Bond Fund - Short Term Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Short Duration segment and provided 7.31% annualized returns in the last 3 years. In the last 1 year, it gave 6.14% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 6.14% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Suyash Choudhary

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating3star
AUM4,974Cr
1Y Returns6.1%

IDFC Bond Fund - Medium Term Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Medium Duration segment and provided 7.41% annualized returns in the last 3 years. In the last 1 year, it gave 5.15% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 5.15% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Suyash Choudhary

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating3star
AUM4,089Cr
1Y Returns5.2%

IDFC Government Securities Fund - Constant Maturity Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Gilt 10 Year segment and provided 8.16% annualized returns in the last 3 years. In the last 1 year, it gave 6.78% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 6.78% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Harshal Joshi

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating3star
AUM96Cr
1Y Returns6.8%

IDFC Bond Fund - Long Term Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Long Duration segment and provided 7.26% annualized returns in the last 3 years. In the last 1 year, it gave 3.68% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 3.68% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Suyash Choudhary

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating3star
AUM1,316Cr
1Y Returns3.7%

IDFC Bond Fund - Short Term Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Short Duration segment and provided 7.32% annualized returns in the last 3 years. In the last 1 year, it gave 4.94% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 4.94% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Suyash Choudhary

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating3star
AUM5,295Cr
1Y Returns4.9%

IDFC Low Duration Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Low Duration segment and provided 7.73% annualized returns in the last 3 years. In the last 1 year, it gave 6.83% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 6.83% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Anurag Mittal

Launch Date31 Dec 2012
Min Investment Amt100
Groww Rating3star
AUM3,186Cr
1Y Returns6.8%

IDFC Cash Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Liquid segment and provided 7.28% annualized returns in the last 3 years. In the last 1 year, it gave 7.31% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.31% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Anurag Mittal, Harshal Joshi

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating3star
AUM12,717Cr
1Y Returns7.3%

IDFC Corporate Bond Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Corporate Bond segment and provided -100% annualized returns in the last 3 years. In the last 1 year, it gave 5.31% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 5.31% returns in the last 1 year. Groww rated this fund as 2 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Anurag Mittal

Launch Date11 Jan 2016
Min Investment Amt5,000
Groww Rating2star
AUM10,888Cr
1Y Returns5.3%

IDFC Money Manager Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Money Market segment and provided 7.33% annualized returns in the last 3 years. In the last 1 year, it gave 6.25% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 6.25% returns in the last 1 year. Groww rated this fund as 2 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Anurag Mittal, Harshal Joshi

Launch Date31 Dec 2012
Min Investment Amt100
Groww Rating2star
AUM1,486Cr
1Y Returns6.3%

IDFC Credit Risk Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Credit Risk segment and provided -100% annualized returns in the last 3 years. In the last 1 year, it gave 5% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 5% returns in the last 1 year. Groww rated this fund as 2 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Arvind Subramanian, Khushboo Sharma

Launch Date2 Mar 2017
Min Investment Amt5,000
Groww Rating2star
AUM1,247Cr
1Y Returns5.0%

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What does investing in IDFC Debt Mutual Funds actually mean?

Suppose a mutual fund invests in ten stocks and total current market value of these stocks is 1.1 Crore. Out of this, the AMC deducts say, 0.1 Crore for operating the fund (this is known as the expense ratio). So the net value is 1 crore. Now the AMC will divide this 1 Crore into say, 10,000 parts. These parts are known as units. The cost of one unit is 1Cr/10,000 = Rs. 1000. This is known as the Net Asset Value (NAV) of the mutual fund. Suppose the AMC has set a minimum investment requirement of Rs. 500. Then if you pay Rs. 500, you will get 0.5 units of the fund. Remember that the cost of one unit is the cost when you made the purchase. Suppose after one year, the NAV has fallen to Rs. 700 per unit and you wish to exit the fund (also known as redemption), then you sell your 0.5 units back to the AMC and get 0.5 x Rs. 700 = Rs. 350 back. Yes, you invested Rs. 500 and got back Rs. 350 – a loss of 150 over a year. The point is, that you buy units at current NAV and sell units (fully or partially) at current NAV. This is what investing in mutual fund actually means.

How to invest in IDFC Mutual Funds on Groww?

One of the best ways to hedge against the small-cap volatility is to adopt a phased approach, also known as Systematic Investment Plan (SIP) approach. We are sure that you must be aware of SIP and its benefits. Buying in small quantity but buying regularly provides you with faster growth. On Groww.in, all transactions to and from AMC is done via BSE. When you decide to invest in a large cap mutual fund of your choice, you choose that mutual fund on the website and click ‘invest’. Following that, you are redirected to the BSE page where you make the payment. BSE then directs your money to the AMC managing your mutual fund. To be assured at your end, you can visit the individual AMC website after the payment. You would be able to see all your purchased units against your folio number.

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Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing.
Past performance is not indicative of future returns. Please consider your specific investment requirements, risk tolerance, investment goal, time frame, risk and reward balance and the cost associated with the investment before choosing a fund, or designing a portfolio that suits your needs.
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