{"id":18235,"date":"2023-07-25T11:00:38","date_gmt":"2023-07-25T05:30:38","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=18235"},"modified":"2023-08-01T14:18:34","modified_gmt":"2023-08-01T08:48:34","slug":"pros-and-cons-of-debt-mutual-funds-in-india","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/pros-and-cons-of-debt-mutual-funds-in-india\/","title":{"rendered":"Pros and cons of debt mutual funds in India"},"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-69e9fcfa24d12\" 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-69e9fcfa24d12\"><\/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-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/pros-and-cons-of-debt-mutual-funds-in-india\/#What_are_debt_funds\" title=\"What are debt funds?\">What are debt funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/pros-and-cons-of-debt-mutual-funds-in-india\/#Benefits_of_Debt_Mutual_Fund\" title=\"Benefits of Debt Mutual Fund\">Benefits of Debt Mutual Fund<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/pros-and-cons-of-debt-mutual-funds-in-india\/#How_does_a_Debt_Fund_operate\" title=\"How does a Debt Fund operate?\">How does a Debt Fund operate?<\/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\/pros-and-cons-of-debt-mutual-funds-in-india\/#Why_should_you_invest_in_a_debt_fund\" title=\"Why should you invest in a debt fund\">Why should you invest in a debt fund<\/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\/pros-and-cons-of-debt-mutual-funds-in-india\/#Types_of_Debt_Mutual_Funds\" title=\"Types of Debt Mutual Funds\">Types of Debt Mutual Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/pros-and-cons-of-debt-mutual-funds-in-india\/#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><\/nav><\/div>\n<p>Debt mutual funds have been in the news this past week for the change in their taxation. In today&#8217;s article we will understand all about debt mutual funds. But first, let us understand why debt mutual funds have been in news,<\/p>\n<p>&nbsp;<\/p>\n<p>The government recently removed the benefit of 20% tax with indexation benefit that these categories of mutual funds presently enjoy.<\/p>\n<p>&nbsp;<\/p>\n<p>Simply put, debt mutual funds will now be taxed on a par with fixed deposits. This is as per an amendment to the Finance Bill of 2023, which was tabled by Finance Minister Nirmala Sitharaman and passed in the Lok Sabha on Friday.<\/p>\n<p>&nbsp;<\/p>\n<p>Effectively, gains on redemption of mutual funds where not more than 35% is invested in equity shares of domestic companies will be taxed as short-term capital gains if they are bought on or after April 1, 2023.<\/p>\n<p>&nbsp;<\/p>\n<p>That is, capital gains from debt funds, international funds and gold funds, irrespective of their holding period, will be taxed at an individual\u2019s relevant tax slab. The amendment also covers funds of funds, which invest in units of other mutual funds.<\/p>\n<p>&nbsp;<\/p>\n<p>So, why is this move significant? This is because removing the benefit will end the tax advantage debt funds enjoyed over fixed deposits. Interest income from fixed deposits is taxed at an individual\u2019s income tax slab rate. With the indexation benefit gone, debt funds will come on a par with fixed deposits on the taxation front. In fact, FDs have the added advantage of certainty of returns since the interest rate is fixed when a depositor opens an FD while returns on debt funds are market-linked.<\/p>\n<p>&nbsp;<\/p>\n<p>Having said that, existing investments in debt funds, international funds and gold funds, and even new investments made in them until March 31, 2023, may not be impacted, and will continue to enjoy the same benefits as before. So, what should you do? Well, you may have to go back to the drawing board and thing through your asset allocation. And make decisions regarding investments or redemptions in debt funds, FDs or even equities only after a thorough analysis of your goals and requirements.<\/p>\n<p>&nbsp;<\/p>\n<p>Now let us understand debt fund in detail,<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"What_are_debt_funds\"><\/span><strong>What are debt funds?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">A debt fund is a type of mutual fund that invests in capital-appreciating fixed-income securities such as corporate and government bonds, corporate debt securities, money market instruments, etc. Bond funds and income funds are other names for debt funds.<\/span><\/p>\n<h4><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Benefits_of_Debt_Mutual_Fund\"><\/span><strong>Benefits of Debt Mutual Fund<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Debt Funds can be taken into consideration for investments with horizons of one day to three years. <\/span><span style=\"font-weight: 400;\">They provide superior post-tax returns to FDs if you invest for at least three years. <\/span><span style=\"font-weight: 400;\">The liquid debt fund option is a fantastic option to keep your emergency funds. Without taking on too much risk, you can earn higher returns than those from savings accounts.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"How_does_a_Debt_Fund_operate\"><\/span><strong>How does a Debt Fund operate?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Debt funds buy debt instruments, such as corporate and government bonds, that are listed or unlisted at a specific price and then sell them at a profit. The underlying debt instruments in which debt funds invest also pay periodic interest. Debt funds that receive regular interest payments from fixed income securities over the course of the fund&#8217;s life are comparable to interest-bearing bank fixed deposits in terms of return.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/fixed-deposit\/all\"><img loading=\"lazy\" class=\"alignnone wp-image-25320\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/07\/FD-Banner-9.10-01-300x75.jpg\" alt=\"\" width=\"400\" height=\"100\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/07\/FD-Banner-9.10-01-300x75.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/07\/FD-Banner-9.10-01-150x38.jpg 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/07\/FD-Banner-9.10-01.jpg 600w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Daily contributions of this interest income are made to a debt mutual fund. As a result, the NAV of a debt scheme also depends on the interest rates of its underlying assets and any changes in the holdings&#8217; credit ratings.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Why_should_you_invest_in_a_debt_fund\"><\/span>Why should you invest in a debt fund<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p><b>Liquidity:<\/b><span style=\"font-weight: 400;\"> Debt funds are perceived as liquid because they can be withdrawn at any time during business hours. A few liquid funds also allow for instant redemption, allowing investors to instantly withdraw up to 50,000 per day, per the scheme.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Tax Efficiency: <\/b><span style=\"font-weight: 400;\">Debt funds are only subject to taxation upon redemption, and the tax is only applied to the proceeds of the redemption. When investments are held for longer than three years, LTCG (Long Term Capital Gains) of 20% and the benefit of indexation make debt funds more tax-efficient and can help produce higher post-tax returns.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Stability:<\/b><span style=\"font-weight: 400;\"> Debt funds can stabilize an investor&#8217;s portfolio because they are generally less volatile than equity funds. This can reduce overall risk and diversify an investor&#8217;s portfolio. They are also thought to be a reliable source of long-term, relatively stable income.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Possibility of higher returns: <\/b><span style=\"font-weight: 400;\">Debt fund investments may offer higher returns than conventional investment options. By selecting the appropriate fund that matches this risk tolerance and investment horizon, an investor can also benefit from shifting interest rates and potentially generate income.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Types_of_Debt_Mutual_Funds\"><\/span><strong>Types of Debt Mutual Funds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Based on the investor&#8217;s maturity period, risk tolerance, and investment goals, investors can select from a variety of types of debt mutual funds.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Liquid Fund: <\/b><span style=\"font-weight: 400;\">Investments made by Liquid Fund are limited to debt and money market securities with residual maturities of up to 91 days. The underlying instruments are reasonably liquid and may provide reasonable returns compared to more conventional routes.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Overnight Fund: <\/b><span style=\"font-weight: 400;\">This fund makes investments in securities with a one-day maturity. Due to their short maturity periods, Overnight Funds have low credit and interest rate risk and are therefore seen as being reasonably stable.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Money Market Fund:<\/b><span style=\"font-weight: 400;\"> A money market fund invests in securities with a maximum one-year maturity. This fund is a good option for temporarily storing surplus funds. Due to its relatively high liquidity and potential for higher returns, it can also be used as an emergency fund.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Corporate Bond Fund:<\/b><span style=\"font-weight: 400;\"> The corporate bond fund mainly invests in corporate bonds with ratings of AA+ or higher. Investors looking to invest in papers with comparatively lower credit risk and a moderate appetite for risk should consider this option.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Banking &amp; PSU Fund: <\/b><span style=\"font-weight: 400;\">It invests at least 80% of its assets in debt and money market securities of banks, PSUs (public sector undertakings), public financial institutions, and municipal bodies.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4 style=\"color: black; font-size: 18px;\"><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:\u00a0<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>&nbsp;<\/p>\n<p><strong>Watch here:<\/strong> Investing in focussed mutual funds<\/p>\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/haVrdwgbJkc\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-mce-fragment=\"1\"><\/iframe><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div><\/div>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/www.youtube.com\/watch?v=R7g03UwJAT8&amp;utm_source=Blog&amp;utm_medium=Weekly+wrap+22nd+July\" target=\"_blank\" rel=\"noopener\">kuvera.in<\/a> to discover Direct Plans and <a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a> and start investing today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Debt mutual funds have been in the news this past week for the change in their taxation. In today&#8217;s article we will understand all about debt mutual funds. But first, let us understand why debt mutual funds have been in news, &nbsp; The government recently removed the benefit of 20% tax with indexation benefit that [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/pros-and-cons-of-debt-mutual-funds-in-india\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":25643,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[1],"tags":[1837,1838,1137,290,67,1839],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pros and cons of debt mutual funds in India 2023<\/title>\n<meta name=\"description\" content=\"Are debt funds a better investment option for beginners than FDs? Should you invest in them? 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