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Debt Funds invest in fixed-income securities like bonds, securities and treasury bills – Fixed Maturity Plans (FMPs), Gilt Fund, Liquid Funds, Short Term Plans, Long Term Bonds and Monthly Income Plans among others – with fixed interest rate and maturity date.

Debt fund categories are mentioned below:

Sub Category Characteristics
Overnight Fund Overnight securities having maturity of 1 day
Liquid Fund Securities with maturity of upto 91 days only
Ultra Short Duration Fund Duration of the portfolio is between 3 months - 6 months
Low Duration Fund Duration of the portfolio is between 6 months- 12 months
Money Market Fund Investment in Money Market instruments having maturity upto 1 year
Short Duration Fund Duration of the portfolio is between 1 year – 3 years
Medium Duration Fund Duration of the portfolio is between 3 years – 4 years
Medium to Long Duration Fund Duration of the portfolio is between 4 – 7 years
Long Duration Fund Duration of the portfolio is greater than 7 years
Dynamic Bond Investment across duration
Corporate Bond Fund Corporate bonds- 80% of total assets (only in highest rated instruments)
Credit Risk Fund 65% investment in below highest rated instruments
Banking and PSU Fund Invest in banks, Public Sector Undertakings, Public Financial Institutions- 80% of total assets
Gilt Fund Minimum investment in Gsecs- 80% of total assets (across maturity)
Gilt Fund with 10 year constant duration 80% in G Sec with duration of 10 years
Floater Fund Floating rate instruments- 65% of total assets