+91-22-48913909Best Balanced Debt Funds for SIP Investment 2025
Balanced funds act as a combination of both equity and debt mutual fund. In a debt ordinated- Balanced Fund, a major portion of its Portfolio is invested in debt and money market instruments, while a small portion in equity instruments. These funds have the capacity to deliver consistent returns in the long-run. The equity portion of the portfolio would benefit from the rising equity markets. However, investors who want to earn the best possible returns are advised to invest in the best performing balanced debt SIP funds, as listed below.
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Top 5 Best Performing Balanced Debt Funds to Invest in a SIP
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2025 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity ICICI Prudential MIP 25 Growth ₹79.3178
↑ 0.06 ₹3,356 100 2 1.6 3.8 8.7 7.9 7.97% 2Y 10M 10D 5Y 4M 28D SBI Debt Hybrid Fund Growth ₹76.7745
↑ 0.02 ₹10,210 500 2.2 2.6 5.3 8.5 6.7 7.74% 2Y 11M 12D 3Y 8M 19D DSP Regular Savings Fund Growth ₹61.0896
↑ 0.03 ₹180 500 2.1 1.5 3.9 8.5 7.2 6.63% 2Y 8M 1D 4Y 5M 19D Aditya Birla Sun Life Regular Savings Fund Growth ₹70.5505
↓ -0.06 ₹1,501 500 3.2 2 5.1 8.4 7.1 8.32% 3Y 3M 5Y 29D Nippon India Hybrid Bond Fund Growth ₹62.2439
↓ -0.03 ₹977 100 3 2.6 6.9 8.2 9.7 8.83% 1Y 11M 5D 2Y 3M 4D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Aug 26 Research Highlights & Commentary of 5 Funds showcased
Commentary ICICI Prudential MIP 25 SBI Debt Hybrid Fund DSP Regular Savings Fund Aditya Birla Sun Life Regular Savings Fund Nippon India Hybrid Bond Fund Point 1 Upper mid AUM (₹3,356 Cr). Highest AUM (₹10,210 Cr). Bottom quartile AUM (₹180 Cr). Lower mid AUM (₹1,501 Cr). Bottom quartile AUM (₹977 Cr). Point 2 Established history (22+ yrs). Oldest track record among peers (25 yrs). Established history (22+ yrs). Established history (22+ yrs). Established history (22+ yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 3★ (bottom quartile). Rating: 5★ (lower mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderate. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderate. Point 5 5Y return: 8.22% (upper mid). 5Y return: 8.62% (top quartile). 5Y return: 7.00% (bottom quartile). 5Y return: 7.74% (bottom quartile). 5Y return: 7.78% (lower mid). Point 6 3Y return: 8.72% (top quartile). 3Y return: 8.52% (upper mid). 3Y return: 8.46% (lower mid). 3Y return: 8.39% (bottom quartile). 3Y return: 8.25% (bottom quartile). Point 7 1Y return: 3.82% (bottom quartile). 1Y return: 5.31% (upper mid). 1Y return: 3.89% (bottom quartile). 1Y return: 5.10% (lower mid). 1Y return: 6.92% (top quartile). Point 8 1M return: -0.03% (bottom quartile). 1M return: 0.29% (lower mid). 1M return: 0.00% (bottom quartile). 1M return: 0.54% (upper mid). 1M return: 0.80% (top quartile). Point 9 Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: -0.67 (bottom quartile). Alpha: 0.41 (upper mid). Alpha: 2.03 (top quartile). Point 10 Sharpe: -0.28 (bottom quartile). Sharpe: -0.07 (upper mid). Sharpe: -0.38 (bottom quartile). Sharpe: -0.14 (lower mid). Sharpe: 0.42 (top quartile). ICICI Prudential MIP 25
SBI Debt Hybrid Fund
DSP Regular Savings Fund
Aditya Birla Sun Life Regular Savings Fund
Nippon India Hybrid Bond Fund
The Scheme seeks to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme. However, there can be no assurance that the investment objectives of the Scheme will be realized. Below is the key information for ICICI Prudential MIP 25 Returns up to 1 year are on (Erstwhile SBI Magnum Monthly Income Plan) To provide regular income, liquidity and attractive returns to the investors
through an actively managed portfolio of debt, equity and money market
instruments. Income may be generated through the receipt of coupon payments,
the amortization of the discount on the debt instruments, receipt of dividends or
purchase and sale of securities in the underlying portfolio. Research Highlights for SBI Debt Hybrid Fund Below is the key information for SBI Debt Hybrid Fund Returns up to 1 year are on (Erstwhile DSP BlackRock MIP Fund) The scheme is seeking to generate an attractive return, consistent with prudent risk, from a portfolio which is substantially constituted of quality debt securities. The scheme will also seek to generate capital appreciation by investing a smaller portion of its corpus in equity and equity related securities of the 100 largest corporates by market capitalisation, listed in India. Research Highlights for DSP Regular Savings Fund Below is the key information for DSP Regular Savings Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life MIP II - Wealth 25 Plan) An Open-ended income scheme with the objective to generate regular income so as to make monthly payment or distribution to unit holders with the secondary objective being growth of capital. Monthly Income is not assured and is subject to availability of distributable surplus. Research Highlights for Aditya Birla Sun Life Regular Savings Fund Below is the key information for Aditya Birla Sun Life Regular Savings Fund Returns up to 1 year are on (Erstwhile Reliance Monthly Income Plan) The primary investment objective of the Scheme is to generate regular income in order to make regular dividend payments to unit holders and the secondary objective is growth of capital. Research Highlights for Nippon India Hybrid Bond Fund Below is the key information for Nippon India Hybrid Bond Fund Returns up to 1 year are on 1. ICICI Prudential MIP 25
ICICI Prudential MIP 25
Growth Launch Date 30 Mar 04 NAV (20 Aug 26) ₹79.3178 ↑ 0.06 (0.08 %) Net Assets (Cr) ₹3,356 on 31 Jul 26 Category Hybrid - Hybrid Debt AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.67 Sharpe Ratio -0.28 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,677 31 Jul 23 ₹11,723 31 Jul 24 ₹13,429 31 Jul 25 ₹14,429 31 Jul 26 ₹15,064 Returns for ICICI Prudential MIP 25
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 0% 3 Month 2% 6 Month 1.6% 1 Year 3.8% 3 Year 8.7% 5 Year 8.2% 10 Year 15 Year Since launch 9.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.9% 2024 11.4% 2023 11.4% 2022 5.1% 2021 9.9% 2020 10.9% 2019 9.6% 2018 5.1% 2017 12.9% 2016 10.9% Fund Manager information for ICICI Prudential MIP 25
Name Since Tenure Manish Banthia 19 Sep 13 12.87 Yr. Akhil Kakkar 22 Jan 24 2.53 Yr. Roshan Chutkey 2 May 22 4.25 Yr. Sharmila D’mello 31 Jul 22 4.01 Yr. Data below for ICICI Prudential MIP 25 as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 4.46% Equity 23.92% Debt 71.33% Other 0.3% Equity Sector Allocation
Sector Value Financial Services 8.6% Consumer Cyclical 3.3% Consumer Defensive 2.18% Communication Services 1.82% Health Care 1.79% Basic Materials 1.51% Technology 1.07% Real Estate 1.03% Utility 0.95% Industrials 0.92% Energy 0.77% Debt Sector Allocation
Sector Value Corporate 47.23% Government 25.52% Cash Equivalent 3.03% Credit Quality
Rating Value A 8.33% AA 53.24% AAA 38.43% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -4% ₹139 Cr 15,000,000 6.94% Govt Stock 2036
Sovereign Bonds | -4% ₹136 Cr 13,464,700
↑ 5,964,700 National Bank For Agriculture And Rural Development
Debentures | -3% ₹100 Cr 10,000 Adani Enterprises Limited
Debentures | -3% ₹100 Cr 10,000 Manappuram Finance Limited
Debentures | -3% ₹99 Cr 10,000 Godrej Properties Limited
Debentures | -2% ₹75 Cr 7,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹75 Cr 7,500 Yes Bank Limited
Debentures | -2% ₹65 Cr 650 6.45% Govt Stock 2034
Sovereign Bonds | -2% ₹55 Cr 5,369,910 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 24 | HDFCBANK2% ₹55 Cr 669,141 2. SBI Debt Hybrid Fund
SBI Debt Hybrid Fund
Growth Launch Date 9 Apr 01 NAV (20 Aug 26) ₹76.7745 ↑ 0.02 (0.02 %) Net Assets (Cr) ₹10,210 on 31 Jul 26 Category Hybrid - Hybrid Debt AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.23 Sharpe Ratio -0.07 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,620 31 Jul 23 ₹11,842 31 Jul 24 ₹13,603 31 Jul 25 ₹14,357 31 Jul 26 ₹15,092 Returns for SBI Debt Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 0.3% 3 Month 2.2% 6 Month 2.6% 1 Year 5.3% 3 Year 8.5% 5 Year 8.6% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.7% 2024 11% 2023 12.2% 2022 4.5% 2021 14.1% 2020 13.5% 2019 8.1% 2018 -0.2% 2017 8.5% 2016 12.5% Fund Manager information for SBI Debt Hybrid Fund
Name Since Tenure Saurabh Pant 1 Jan 22 4.58 Yr. Mansi Sajeja 30 Jun 21 5.09 Yr. Data below for SBI Debt Hybrid Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 7.15% Equity 23.56% Debt 69% Other 0.29% Equity Sector Allocation
Sector Value Financial Services 6.6% Basic Materials 5.54% Industrials 3.54% Health Care 2.4% Consumer Cyclical 2.11% Consumer Defensive 2.08% Energy 1.17% Technology 0.11% Debt Sector Allocation
Sector Value Corporate 59.35% Government 9.79% Cash Equivalent 7.01% Credit Quality
Rating Value A 2.5% AA 42.69% AAA 54.81% Top Securities Holdings / Portfolio
Name Holding Value Quantity Aditya Birla Renewables Limited
Debentures | -3% ₹301 Cr 30,000 Sundaram Finance Limited
Debentures | -3% ₹300 Cr 30,000 Adani Power Limited
Debentures | -3% ₹298 Cr 30,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹294 Cr 27,500 Jsw Kalinga Steel Limited
Debentures | -3% ₹267 Cr 26,000 Torrent Power Limited
Debentures | -2% ₹253 Cr 25,000 Tata Power Co Ltd.
Debentures | -2% ₹248 Cr 25,000
↑ 25,000 State Government Of Tamil Nadu
Sovereign Bonds | -2% ₹245 Cr 25,000,000 LIC Housing Finance Ltd
Debentures | -2% ₹225 Cr 22,500 Cholamandalam Investment And Finance Company Limited
Debentures | -2% ₹202 Cr 20,000 3. DSP Regular Savings Fund
DSP Regular Savings Fund
Growth Launch Date 11 Jun 04 NAV (20 Aug 26) ₹61.0896 ↑ 0.03 (0.05 %) Net Assets (Cr) ₹180 on 31 Jul 26 Category Hybrid - Hybrid Debt AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderately High Expense Ratio 1.12 Sharpe Ratio -0.38 Information Ratio 0.32 Alpha Ratio -0.67 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,189 31 Jul 23 ₹11,133 31 Jul 24 ₹12,751 31 Jul 25 ₹13,660 31 Jul 26 ₹14,168 Returns for DSP Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 0% 3 Month 2.1% 6 Month 1.5% 1 Year 3.9% 3 Year 8.5% 5 Year 7% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.2% 2024 11% 2023 12% 2022 3.5% 2021 7.8% 2020 9.3% 2019 6.9% 2018 -5.3% 2017 11% 2016 10.7% Fund Manager information for DSP Regular Savings Fund
Name Since Tenure Abhishek Singh 31 May 21 5.17 Yr. Shantanu Godambe 1 Aug 24 2 Yr. Data below for DSP Regular Savings Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 17.39% Equity 20.88% Debt 61.4% Other 0.33% Equity Sector Allocation
Sector Value Financial Services 9.55% Health Care 2.98% Consumer Cyclical 2.47% Basic Materials 1.48% Consumer Defensive 1.15% Energy 1.03% Utility 0.88% Communication Services 0.65% Technology 0.48% Industrials 0.21% Debt Sector Allocation
Sector Value Government 54.17% Corporate 20.6% Cash Equivalent 4.02% Credit Quality
Rating Value AA 9.64% AAA 90.36% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.32% Govt Stock 2030
Sovereign Bonds | -12% ₹21 Cr 2,000,000 6.75% Govt Stock 2033
Sovereign Bonds | -9% ₹16 Cr 1,500,000 7.03% Maharashtra Sgs 2038
Sovereign Bonds | -8% ₹14 Cr 1,500,000 7.06% Govt Stock 2028
Sovereign Bonds | -6% ₹10 Cr 1,000,000 6.48% Govt Stock 2035
Sovereign Bonds | -6% ₹10 Cr 1,000,000 Muthoot Finance Limited
Debentures | -4% ₹8 Cr 750 HDFC Bank Ltd (Financial Services)
Equity, Since 15 Jul 23 | HDFCBANK3% ₹5 Cr 66,974 Cholamandalam Investment And Finance Company Limited
Debentures | -3% ₹5 Cr 500 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹5 Cr 500,000 7.1% Govt Stock 2029
Sovereign Bonds | -3% ₹5 Cr 500,000 4. Aditya Birla Sun Life Regular Savings Fund
Aditya Birla Sun Life Regular Savings Fund
Growth Launch Date 22 May 04 NAV (20 Aug 26) ₹70.5505 ↓ -0.06 (-0.09 %) Net Assets (Cr) ₹1,501 on 31 Jul 26 Category Hybrid - Hybrid Debt AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.86 Sharpe Ratio -0.14 Information Ratio 0.24 Alpha Ratio 0.41 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,666 31 Jul 23 ₹11,537 31 Jul 24 ₹12,905 31 Jul 25 ₹13,936 31 Jul 26 ₹14,609 Returns for Aditya Birla Sun Life Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 0.5% 3 Month 3.2% 6 Month 2% 1 Year 5.1% 3 Year 8.4% 5 Year 7.7% 10 Year 15 Year Since launch 9.2% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.1% 2024 10.5% 2023 9.6% 2022 5.3% 2021 13.4% 2020 9.2% 2019 5.8% 2018 -2.2% 2017 15.5% 2016 13.1% Fund Manager information for Aditya Birla Sun Life Regular Savings Fund
Name Since Tenure Mohit Sharma 31 Oct 24 1.75 Yr. Harshil Suvarnkar 22 Mar 21 5.36 Yr. Data below for Aditya Birla Sun Life Regular Savings Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 9.31% Equity 22.45% Debt 67.92% Other 0.33% Equity Sector Allocation
Sector Value Financial Services 7.83% Health Care 2.99% Consumer Cyclical 2.28% Basic Materials 1.97% Industrials 1.83% Communication Services 1.15% Technology 1.11% Utility 0.93% Consumer Defensive 0.86% Real Estate 0.84% Energy 0.65% Debt Sector Allocation
Sector Value Corporate 48.79% Government 21.85% Cash Equivalent 6.58% Credit Quality
Rating Value A 5.71% AA 30.85% AAA 63.45% Top Securities Holdings / Portfolio
Name Holding Value Quantity Cholamandalam Investment And Finance Company Limited
Debentures | -4% ₹55 Cr 5,500 Muthoot Finance Limited
Debentures | -3% ₹50 Cr 5,000
↑ 4,500 Jtpm Metal TRaders Limited
Debentures | -3% ₹46 Cr 4,316 6.94% Govt Stock 2036
Sovereign Bonds | -3% ₹40 Cr 4,000,000
↑ 3,000,000 Adani Power Limited
Debentures | -2% ₹35 Cr 3,500 Nuvama Wealth Finance Limited
Debentures | -2% ₹30 Cr 3,000 Bharti Telecom Limited
Debentures | -2% ₹30 Cr 3,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK2% ₹29 Cr 206,000 Jubilant Bevco Limited
Debentures | -2% ₹28 Cr 2,500 GMR Airports Limited
Debentures | -2% ₹26 Cr 2,500 5. Nippon India Hybrid Bond Fund
Nippon India Hybrid Bond Fund
Growth Launch Date 29 Dec 03 NAV (20 Aug 26) ₹62.2439 ↓ -0.03 (-0.04 %) Net Assets (Cr) ₹977 on 31 Jul 26 Category Hybrid - Hybrid Debt AMC Nippon Life Asset Management Ltd. Rating ☆☆☆ Risk Moderate Expense Ratio 1.9 Sharpe Ratio 0.42 Information Ratio 0.13 Alpha Ratio 2.03 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,598 31 Jul 23 ₹11,602 31 Jul 24 ₹12,707 31 Jul 25 ₹13,699 31 Jul 26 ₹14,651 Returns for Nippon India Hybrid Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Aug 26 Duration Returns 1 Month 0.8% 3 Month 3% 6 Month 2.6% 1 Year 6.9% 3 Year 8.2% 5 Year 7.8% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 9.7% 2024 7.8% 2023 10.2% 2022 4.8% 2021 10.1% 2020 -8.5% 2019 2.8% 2018 4% 2017 9.3% 2016 9.2% Fund Manager information for Nippon India Hybrid Bond Fund
Name Since Tenure Dhrumil Shah 10 Sep 21 4.89 Yr. Kinjal Desai 29 Dec 03 22.6 Yr. Sushil Budhia 1 Feb 20 6.5 Yr. Akshay Sharma 1 Dec 22 3.67 Yr. Amber Singhania 11 Mar 26 0.39 Yr. Data below for Nippon India Hybrid Bond Fund as on 31 Jul 26
Asset Allocation
Asset Class Value Cash 6.9% Equity 18.06% Debt 74.1% Other 0.93% Equity Sector Allocation
Sector Value Real Estate 5.51% Financial Services 4.25% Industrials 1.72% Consumer Cyclical 1.51% Energy 1.05% Basic Materials 0.88% Technology 0.79% Consumer Defensive 0.7% Health Care 0.6% Utility 0.55% Communication Services 0.51% Debt Sector Allocation
Sector Value Corporate 64.49% Government 9.61% Cash Equivalent 6.9% Credit Quality
Rating Value A 23.9% AA 48.26% AAA 27.84% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.03% Tamilnadu SDL 2030
Sovereign Bonds | -5% ₹50 Cr 5,000,000 Triumph Composites Private Limited
Debentures | -4% ₹40 Cr 4,000 Delhi International Airport Limited
Debentures | -4% ₹37 Cr 3,600 Aditya Birla Real Estate Limited
Debentures | -4% ₹35 Cr 3,500 GMR Airports Limited
Debentures | -3% ₹34 Cr 3,200 GAursons India Private Limited
Debentures | -3% ₹33 Cr 3,300 Muthoot Fincorp Limited
Debentures | -3% ₹30 Cr 30,000 Auxilo Finserve Private Limited
Debentures | -3% ₹30 Cr 3,000 Navi Finserv Limited
Debentures | -3% ₹30 Cr 30,000 Jsw Kalinga Steel Limited
Debentures | -3% ₹26 Cr 2,500
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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Research Highlights for ICICI Prudential MIP 25