{"id":12804,"date":"2022-07-04T11:00:28","date_gmt":"2022-07-04T05:30:28","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=12804"},"modified":"2022-09-30T11:24:49","modified_gmt":"2022-09-30T05:54:49","slug":"top-performing-low-duration-funds-in-2022","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/","title":{"rendered":"Top Performing Low Duration Funds in 2022"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69ea0fae1de55\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69ea0fae1de55\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#Top_10_Low_Duration_Funds_for_2022\" title=\"Top 10 Low Duration Funds for 2022:\">Top 10 Low Duration Funds for 2022:<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#How_Low_Duration_Funds_Work\" title=\"How Low Duration Funds Work?\">How Low Duration Funds Work?<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#Duration_or_tenure_of_investment\" title=\"Duration or tenure of investment\">Duration or tenure of investment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#Underlying_debt_instruments\" title=\"Underlying debt instruments\">Underlying debt instruments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#Earnings\" title=\"Earnings\">Earnings<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#Who_Can_Invest_in_Low_Maturity_Debt_Funds\" title=\"Who Can Invest in Low Maturity Debt Funds?\">Who Can Invest in Low Maturity Debt Funds?<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#Alternative_for_bank_deposits\" title=\"Alternative for bank deposits\">Alternative for bank deposits<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#Advantages_of_Low_Duration_Funds\" title=\"Advantages of Low Duration Funds\">Advantages of Low Duration Funds<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#Moderate_risk\" title=\"Moderate risk\">Moderate risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#Return\" title=\"Return\">Return<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#Risk_management\" title=\"Risk management\">Risk management<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#Disadvantages_of_Investing_in_Low_Duration_Mutual_Funds\" title=\"Disadvantages of Investing in Low Duration Mutual Funds\">Disadvantages of Investing in Low Duration Mutual Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#_Things_to_Consider_before_Investing_in_Low_Duration_Mutual_Funds\" title=\"\u00a0Things to Consider before Investing in Low Duration Mutual Funds\">\u00a0Things to Consider before Investing in Low Duration Mutual Funds<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#Expense_ratio\" title=\"Expense ratio\">Expense ratio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#Fund_managers_performance\" title=\"Fund manager&#8217;s performance\">Fund manager&#8217;s performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#Risk_appetite\" title=\"Risk appetite\">Risk appetite<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#_Taxation_of_Low_Duration_Funds\" title=\"\u00a0Taxation of Low Duration Funds\">\u00a0Taxation of Low Duration Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#Short-term_capital_gains_tax\" title=\"Short-term capital gains tax.\">Short-term capital gains tax.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#Long-term_capital_gains_tax\" title=\"Long-term capital gains tax\">Long-term capital gains tax<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#Do_I_have_to_pay_exit_load_for_low-duration_funds\" title=\"Do I have to pay exit load for low-duration funds?\">Do I have to pay exit load for low-duration funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#Is_there_any_lock-in_period_for_low-duration_funds\" title=\"Is there any lock-in period for low-duration funds?\">Is there any lock-in period for low-duration funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p><a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\/debt\/low-duration-fund\">Low duration funds<\/a> are a type of mutual fund in which the fund manager invests the corpus in short-term debt securities. These invest in debt instruments whose maturity ranges from 6 to 12 months. The low tenure fund invests in fixed income instruments and helps investors avoid market risks and reap the benefits of decent returns.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">You can visit our platform \u2013 Kuvera, and get all the requisite information about these funds. Kuvera is a 100% online platform; you can invest without worrying about any commission or fees as we do not charge any fee or comission for our services.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><i><span style=\"font-weight: 400;\">Sign up and start investing!<\/span><\/i><span style=\"font-weight: 400;\">\u00a0\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\"><img loading=\"lazy\" class=\"size-large wp-image-13417 aligncenter\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg\" sizes=\"(max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-300x98.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-768x250.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022.jpg 1080w\" alt=\"Online Fixed Deposits on Kuvera\" width=\"640\" height=\"209\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Top_10_Low_Duration_Funds_for_2022\"><\/span>Top 10 Low Duration Funds for 2022:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Here is a list of some low duration funds ranked on the basis of 3-year annualised returns as on June 24 2022:<\/span><\/p>\n<p>&nbsp;<\/p>\n<table style=\"width: 100%;\" border=\"1.5\">\n<tbody>\n<tr>\n<td><b>Fund Name<\/b><\/td>\n<td><b>3-Year Annualised Returns<\/b><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/jm-low-duration-bonus-principal-units-growth--MMP5-GR\"><span style=\"font-weight: 400;\">JM Low Duration Growth Direct Plan<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">8.35%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/jm-low-duration-bonus-principal-units-growth--MMP5-GR\"><span style=\"font-weight: 400;\">JM Low Duration Bonus Principal Units Growth Direct Plan<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">8.31%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/uti-treasury-advantage-growth--UTBFD6-GR\"><span style=\"font-weight: 400;\">UTI Treasury Advantage Growth Direct Plan<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">7.41%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/sundaram-low-duration-growth--SUFFZG-GR\"><span style=\"font-weight: 400;\">Sundaram Low Duration Fund Direct Plan<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">6.63%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/nippon-india-low-duration-growth--LDPG-GR\"><span style=\"font-weight: 400;\">Nippon India Low Duration Growth Direct Plan<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">6.46%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/aditya-birla-sun-life-low-duration-growth--BS43NZ-GR\"><span style=\"font-weight: 400;\">Aditya Birla Sun Life Low Duration Growth Direct Plan<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">6.44%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/kotak-low-duration-growth--KO205GD-GR\"><span style=\"font-weight: 400;\">Kotak Low Duration Growth Direct Plan<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">6.38%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/dsp-low-duration-growth--DS827-GR\"><span style=\"font-weight: 400;\">DSP Low Duration Growth Direct Plan<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">6.32%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/bnp-paribas-low-duration-growth--BN65G-GR\"><span style=\"font-weight: 400;\">BNP Paribas Low Duration Growth Direct Plan<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">6.23%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/hdfc-low-duration-growth--54T-GR\"><span style=\"font-weight: 400;\">HDFC Low Duration Growth Direct Plan<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">6.21%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The following sections will cover more about low-duration funds. Read on to know more about the same.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_Low_Duration_Funds_Work\"><\/span>How Low Duration Funds Work?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">To understand these funds, you must understand their duration, the underlying debt instruments, and earning sources.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Duration_or_tenure_of_investment\"><\/span>Duration or tenure of investment<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Duration of any investment reflects changes in a fund&#8217;s value in response to movements in market-linked interest rates. The higher duration of any investment means that fund&#8217;s value is more volatile and thereby has higher market interest rate risks and vice versa.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">In the case of low-duration debt funds, the investment tenure of securities (bonds and debentures) in which they are investing is 6-12 months. Hence, they come with a lower-interest rate risk than most other categories of <a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\/debt\">debt mutual funds<\/a> such as <a href=\"https:\/\/kuvera.in\/blog\/top-credit-risk-mutual-funds-to-invest-in-2022\/\">Credit Risk Mutual Fund<\/a>.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Underlying_debt_instruments\"><\/span>Underlying debt instruments<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">SEBI guidelines do not restrict the type of debt security in which low duration funds have to invest. There is also no restriction on the credit quality of securities in which funds may invest their money. Hence, fund houses may invest in various short-term debt securities according to their strategy and investment objective. Securities in which funds invest their money include government bonds, money market securities, <a href=\"https:\/\/kuvera.in\/blog\/what-are-corporate-bond-funds-and-how-do-they-work\/\">corporate bonds<\/a>, etc.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Earnings\"><\/span>Earnings<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These <\/span>low duration mutual funds<span style=\"font-weight: 400;\"> invest their corpus in money market and debt securities. They generate returns via interest income and capital gains arising from these holdings. Fund managers invest a part of their corpus in securities having lower credit quality as they provide higher returns.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Apart from interest, these funds also have capital gains as their alternate source of earnings. Fund managers start investing their fresh inflows in debt securities, having a longer maturity when interest rates start falling. The gains arising from capital appreciation of long-term debt holdings cover any loss of interest income for the investors. Fund managers consider market interest rates and the credit profile of any bond before making an investment decision.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Who_Can_Invest_in_Low_Maturity_Debt_Funds\"><\/span>Who Can Invest in Low Maturity Debt Funds?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Here is a list of parameters that defines who must invest in these funds:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><b>Regular income<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Historically Individuals seeking a regular income have been an ideal candidates for parking their money in this category of funds. Interest income and gains arising from capital appreciation of these debt holdings are two familiar sources of income for low-duration mutual funds.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Alternative_for_bank_deposits\"><\/span>Alternative for bank deposits<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Investors looking for an alternative investment option apart from bank deposits can go for investing in these funds. If an investor has a moderate risk capacity, these funds are more lucrative than most bank deposit.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Advantages_of_Low_Duration_Funds\"><\/span>Advantages of Low Duration Funds<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The advantages of investing in these funds are as follows:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Moderate_risk\"><\/span>Moderate risk<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These funds come with moderate to low risk when compared to equity funds. Funds invest in debt securities having a maturity period of 6-12 months. When the interest rate falls, any loss of interest income from fresh bonds will be covered by capital gains arising from capital appreciation of existing bonds.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When the interest rate increases, fund managers reduce the Macaulay duration of the portfolio, thereby minimising capital losses. Fund managers also consider the credit quality of debt instruments while investing. This makes low-duration funds a suitable for investors with a moderate risk appetite.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Return\"><\/span>Return<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Low duration funds have historically provided better return than, overnight or <a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\/debt\/liquid-fund\">liquid funds<\/a>. The underlying financial instruments come with two sources of income which adds to their attractiveness in the investment market.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Risk_management\"><\/span>Risk management<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Fund managers play an active role in managing the fund&#8217;s portfolio. They make decisions for optimising the portfolio and providing returns to investors. Their active presence helps in mitigating the risk involved in this investment.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Disadvantages_of_Investing_in_Low_Duration_Mutual_Funds\"><\/span>Disadvantages of Investing in Low Duration Mutual Funds<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">One of these funds&#8217; most significant limitations is credit risks. SEBI has no restrictions or specific guidelines directing fund managers of these schemes to avoid certain types of debt securities. Hence, many fund managers invest in relatively low-rated instruments hoping for higher returns.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"_Things_to_Consider_before_Investing_in_Low_Duration_Mutual_Funds\"><\/span>\u00a0Things to Consider before Investing in Low Duration Mutual Funds<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You must consider the following things before investing in these funds:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Expense_ratio\"><\/span>Expense ratio<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Another important thing that one must consider before investing money in these funds is their expense ratio. The expense ratio directly impacts the returns that investors will receive at the time of redemption. One must thoroughly review the expense ratios of different funds in the same category before making a decision.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Fund_managers_performance\"><\/span>Fund manager&#8217;s performance<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A fund manager plays a pivotal role in overseeing the fund&#8217;s operation. Decisions taken by them have a direct bearing on the performance of the fund. Investors must analyse a fund manager&#8217;s past performance and see whether their strategies or vision will lead to the fulfilment of their financial objective.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Risk_appetite\"><\/span>Risk appetite<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These funds are most suitable for investors with moderate risk tolerance. These are not entirely risk-free, and completely risk-averse investors can avoid these mutual fund schemes.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"_Taxation_of_Low_Duration_Funds\"><\/span>\u00a0Taxation of Low Duration Funds<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">\u00a0Capital gains arising from the sale of units come under the purview of taxation. Capital gain is the difference between the purchase and sale price. It is taxable under two heads, which are given below:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Short-term_capital_gains_tax\"><\/span>Short-term capital gains tax.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If the holding period of this fund is less than 36 months or three years, all gains are taxed as per the income tax slab rate of the investor.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Long-term_capital_gains_tax\"><\/span>Long-term capital gains tax<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If the holding period is 36 months or more, then gains arising from these funds are subject to LTCG tax. The rate of taxation for LTCG is 20% with indexation benefits.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Final Word<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Low-duration funds are the most suitable investment option for high returns with moderate risk tolerance. This detailed guide about top-performing funds will help you make an informed decision.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can visit <\/span><a href=\"https:\/\/kuvera.in\/\"><span style=\"font-weight: 400;\">Kuvera<\/span><\/a><span style=\"font-weight: 400;\"> to start investing in the best-performing low-duration funds of 2022 without paying any commission.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Frequently Asked Questions<\/b><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Do_I_have_to_pay_exit_load_for_low-duration_funds\"><\/span>Do I have to pay exit load for low-duration funds?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">It depends on fund houses whether they want to impose an exit load on investors. It varies from mutual fund scheme to mutual fund scheme. So, you must check the scheme-related documents carefully before investing.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Is_there_any_lock-in_period_for_low-duration_funds\"><\/span>Is there any lock-in period for low-duration funds?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Low-duration funds do not come with any lock-in period for investors. They are highly liquid; individuals can redeem their investment as and when they want.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Read more: <a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>Watch\/hear on YouTube:<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><iframe loading=\"lazy\" title=\"EPF, PPF and VPF | Tax Saving Investments for Guaranteed Returns\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/dbxbBR7it10?list=PLDSzQdT9nLmBFD2p94O5p2pZ4vEUR-Thz\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/app.kuvera.in\/\">Kuvera.in<\/a> to discover <a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\">Direct Plans<\/a> and <a href=\"https:\/\/app.kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a> and <a href=\"https:\/\/kuvera.in\/user\/login\">start investing today.<\/a><\/p>\n<p>#MutualFundSahiHai #KuveraSabseSahiHai!<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n\n<table id=\"tablepress-2103\" class=\"tablepress tablepress-id-2103\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\"><\/th><th class=\"column-2\">Top Asset Management Companies<\/th><th class=\"column-3\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/idfc\">IDFC Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/quant\">Quant Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/canara\">Canara Robeco Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/tata\">Tata Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/dsp\">DSP Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/uti\">UTI Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/whiteoak\">Whiteoak Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/motilal\">Motilal Oswal Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/mirae\">Mirae Asset Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/icici\">ICICI Prudential Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/hdfc\">HDFC Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/absl\">Aditya Birla Sunlife Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/barodabnpparibas\">Baroda BNP Paribas Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/invesco\">Invesco Mutual Funds<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/jm\">JM Financial Mutual Funds<\/a><\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/tata\">Tata Mutual Funds<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/nippon\">Nippon Mutual Funds<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/franklin\">Franklin Templeton Mutual Funds<\/a><\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/sundaram\">Sundaram Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/edelweiss\">Edelweiss Mutual Funds<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/l_t\">L&amp;T Mutual Funds<\/a><\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/axis\">Axis Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/kotak\">Kotak Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/lic\">LIC Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/dsp\">DSP Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/iifl\">IIFL Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/parag\">Parag Parikh Mutual Funds<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-2103 from cache -->\n","protected":false},"excerpt":{"rendered":"<p>Low duration funds are a type of mutual fund in which the fund manager invests the corpus in short-term debt securities. These invest in debt instruments whose maturity ranges from 6 to 12 months. The low tenure fund invests in fixed income instruments and helps investors avoid market risks and reap the benefits of decent [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/top-performing-low-duration-funds-in-2022\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":12805,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[99,822],"tags":[1053,210,40,1042,1065,67],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Top Performing Low Duration Funds in 2022 - Kuvera<\/title>\n<meta name=\"description\" content=\"Low duration funds are a type of mutual fund in which the fund manager invests the corpus in short-term debt securities. 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