Debt & Hybrid Funds
Liquid, gilt, credit, arbitrage and hybrid funds — returns, yields and how they behaved.
Debt fund Sharpe ratios: low duration 1.53, gilt −0.13
04 Nov 2026
Median 3-year Sharpe ratio for 28 fund categories as of 3 November 2026. Low duration leads at 1.53; gilt (−0.13), dynamic bond and long-term debt sit lowest.
Fund ReturnsDebt & Hybrid Funds
Debt funds: 1-year vs 3-year returns, 15 categories compared
03 Nov 2026
Liquid funds earned 6.43% over one year against 6.88% over three. Long-duration funds earned 0.86% against 5.94%. Median returns of 15 debt categories.
Debt & Hybrid Funds
Breaking an FD early: what the penalty really costs
02 Nov 2026
A 1% penalty on a ₹5 lakh FD broken after three years costs about ₹17,000, not ₹5,000. The sums, plus when a loan against the FD is the cheaper way out.
Personal FinanceDebt & Hybrid Funds
Savings account vs liquid fund: ₹5 lakh, after tax
02 Nov 2026
₹5 lakh idle in a savings account versus a liquid fund, worked after tax at three slabs, with the 80TTA wrinkle and the safety difference the comparison hides.
Debt & Hybrid FundsInvesting Strategy
FD or debt fund: which leaves more after tax?
30 Oct 2026
Same 7% return, ₹10 lakh, 30% slab: a debt fund ends ahead of an FD, by ₹11,818 at 5 years and ₹64,826 at 10. Why, and when the FD still wins.
Debt & Hybrid FundsTax
Best gilt fund in 2026: Bandhan Gilt leads
29 Oct 2026
Best gilt fund of 2026 on one rule: Bandhan Gilt Fund at 8.32% a year over 3 years vs a 6.02% median. Top five, risk, SIP.
Debt & Hybrid FundsFund ReturnsBest short duration fund in 2026: Bandhan Short Term leads
29 Oct 2026
Best short duration fund of 2026 on one rule: Bandhan Short Term Fund at 7.62% a year over 3 years vs a 7.20% median. Top five, risk, SIP.
Debt & Hybrid FundsFund ReturnsFour biggest money market funds compared side by side
27 Oct 2026
The four biggest money market funds, compared on returns, calendar years, risk, SIP results and cost. 3-year range 7.22% to 7.43% a year.
Debt & Hybrid FundsFund ReturnsFour biggest gilt funds compared: duration and returns
26 Oct 2026
The four biggest gilt funds, compared on returns, calendar years, risk, SIP results and cost. 3-year range 6.10% to 8.36% a year.
Debt & Hybrid FundsFund ReturnsFour biggest short duration funds compared in 2026
26 Oct 2026
The four biggest short duration funds, compared on returns, calendar years, risk, SIP results and cost. 3-year range 7.07% to 7.49% a year.
Debt & Hybrid FundsFund ReturnsFour biggest liquid funds compared: how close are they?
25 Oct 2026
The four biggest liquid funds, compared on returns, calendar years, risk, SIP results and cost. 3-year range 6.86% to 6.96% a year.
Debt & Hybrid FundsFund Returns
Debt funds one year to 22 October 2026: shorter paid more
23 Oct 2026
Across 11 debt fund categories, one-year returns fell as duration rose: credit risk averaged 7.8%, long-term funds -0.6%. As of 22 October 2026.
Debt & Hybrid FundsFund ReturnsFour biggest corporate bond funds compared side by side
23 Oct 2026
The four biggest corporate bond funds, compared on returns, calendar years, risk, SIP results and cost. 3-year range 6.64% to 7.01% a year.
Debt & Hybrid FundsFund ReturnsShort-term debt fund ladder: overnight 5.25%, liquid 6.46%
21 Oct 2026
Median one-year returns to 19 October 2026: overnight funds 5.25%, low duration 5.97%, liquid, money market and ultra-short funds 6.46%.
Debt & Hybrid FundsFund Returns
Where the shelter was in 2026: median return by fund type
20 Oct 2026
In a year the Nifty 50 is down 12.4%, overseas funds returned a median 14.9%, small caps 10.9%, liquid and arbitrage 5.2%. Large caps are at −7.5%.
Fund ReturnsDebt & Hybrid FundsInvesting StrategyTarget-maturity debt index funds: 1-year returns by maturity
18 Oct 2026
71 target-maturity index funds returned a median 5.59% (2026 maturities) down to 1.77% (2036) in the year to 16 Oct 2026; three-year medians are 6.8–7.6%.
Debt & Hybrid FundsFund Returns
What debt funds charge: expense ratios by category
14 Oct 2026
Median Direct expense ratios run from 0.11% in overnight funds to 0.80% in credit-risk funds. The Regular-plan gap is up to 0.78 points. October 2026 TER data.
Costs & FeesDebt & Hybrid Funds
How far debt and hybrid funds fell: worst 3-year drawdowns
13 Oct 2026
Over three years to October 2026, gilt funds fell 3.6% at the median at their worst, aggressive hybrids 13.1%, liquid funds almost nothing. All categories.
Debt & Hybrid FundsFund ReturnsBanking & PSU debt funds: 4.51% median, October 2026
12 Oct 2026
The median banking and PSU debt fund returned 4.51% in the year to 9 October 2026 and 7.13% a year over three. UTI led at 5.98%; the range was 2.35 points.
Debt & Hybrid FundsFund ReturnsCorporate bond funds returned 4.47% in a year to October
11 Oct 2026
The median corporate bond fund returned 4.47% in the year to 9 October 2026, short of the median liquid fund's 6.50%. The range ran from 3.53% to 5.94%.
Debt & Hybrid FundsFund Returns