+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 ₹78.2019
↓ -0.01 ₹3,329 100 -0.8 3.3 2.2 7.8 7.9 8.16% 2Y 7M 20D 5Y 1M 6D DSP Regular Savings Fund Growth ₹60.3699
↑ 0.00 ₹179 500 -0.7 3.7 2.6 7.7 7.2 5.28% 2Y 1M 6D 3Y 2M 8D Nippon India Hybrid Bond Fund Growth ₹61.9381
↑ 0.05 ₹984 100 0.7 3.9 5.5 7.7 9.7 9.07% 1Y 11M 1D 2Y 3M 11D SBI Debt Hybrid Fund Growth ₹76.0791
↑ 0.04 ₹10,226 500 -0.4 4.8 4.1 7.6 6.7 7.86% 2Y 9M 4D 3Y 9M Aditya Birla Sun Life Regular Savings Fund Growth ₹69.4281
↓ -0.08 ₹1,502 500 -0.7 3.5 3 7.4 7.1 7.97% 3Y 4M 28D 5Y 9M 18D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Sep 26 Research Highlights & Commentary of 5 Funds showcased
Commentary ICICI Prudential MIP 25 DSP Regular Savings Fund Nippon India Hybrid Bond Fund SBI Debt Hybrid Fund Aditya Birla Sun Life Regular Savings Fund Point 1 Upper mid AUM (₹3,329 Cr). Bottom quartile AUM (₹179 Cr). Bottom quartile AUM (₹984 Cr). Highest AUM (₹10,226 Cr). Lower mid AUM (₹1,502 Cr). Point 2 Established history (22+ yrs). Established history (22+ yrs). Established history (22+ yrs). Oldest track record among peers (25 yrs). Established history (22+ yrs). Point 3 Top rated. Rating: 3★ (bottom quartile). Rating: 3★ (bottom quartile). Rating: 5★ (upper mid). Rating: 5★ (lower mid). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately High. Point 5 5Y return: 7.29% (lower mid). 5Y return: 6.56% (bottom quartile). 5Y return: 7.34% (upper mid). 5Y return: 7.96% (top quartile). 5Y return: 6.89% (bottom quartile). Point 6 3Y return: 7.77% (top quartile). 3Y return: 7.74% (upper mid). 3Y return: 7.70% (lower mid). 3Y return: 7.59% (bottom quartile). 3Y return: 7.42% (bottom quartile). Point 7 1Y return: 2.17% (bottom quartile). 1Y return: 2.64% (bottom quartile). 1Y return: 5.54% (top quartile). 1Y return: 4.06% (upper mid). 1Y return: 2.99% (lower mid). Point 8 1M return: -1.12% (bottom quartile). 1M return: -1.11% (lower mid). 1M return: -0.40% (top quartile). 1M return: -1.00% (upper mid). 1M return: -1.52% (bottom quartile). Point 9 Alpha: 0.00 (lower mid). Alpha: -0.72 (bottom quartile). Alpha: 1.59 (top quartile). Alpha: 0.00 (bottom quartile). Alpha: 0.32 (upper mid). Point 10 Sharpe: -0.35 (bottom quartile). Sharpe: -0.24 (bottom quartile). Sharpe: 0.42 (top quartile). Sharpe: 0.10 (upper mid). Sharpe: -0.01 (lower mid). ICICI Prudential MIP 25
DSP Regular Savings Fund
Nippon India Hybrid Bond Fund
SBI Debt Hybrid Fund
Aditya Birla Sun Life Regular Savings 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 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 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 (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 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 1. ICICI Prudential MIP 25
ICICI Prudential MIP 25
Growth Launch Date 30 Mar 04 NAV (30 Sep 26) ₹78.2019 ↓ -0.01 (-0.01 %) Net Assets (Cr) ₹3,329 on 31 Aug 26 Category Hybrid - Hybrid Debt AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.67 Sharpe Ratio -0.35 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 30 Sep 21 ₹10,000 30 Sep 22 ₹10,388 30 Sep 23 ₹11,356 30 Sep 24 ₹13,138 30 Sep 25 ₹13,913 Returns for ICICI Prudential MIP 25
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26 Duration Returns 1 Month -1.1% 3 Month -0.8% 6 Month 3.3% 1 Year 2.2% 3 Year 7.8% 5 Year 7.3% 10 Year 15 Year Since launch 9.6% 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 12.96 Yr. Akhil Kakkar 22 Jan 24 2.61 Yr. Roshan Chutkey 2 May 22 4.34 Yr. Sharmila D'Silva 31 Jul 22 4.09 Yr. Data below for ICICI Prudential MIP 25 as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 7.15% Equity 23.16% Debt 69.39% Other 0.31% Equity Sector Allocation
Sector Value Financial Services 8.16% Consumer Cyclical 3.14% Health Care 2.89% Consumer Defensive 2.17% Basic Materials 1.38% Communication Services 1.29% Technology 1.06% Industrials 0.96% Utility 0.93% Energy 0.75% Real Estate 0.44% Debt Sector Allocation
Sector Value Corporate 49.5% Government 22.11% Cash Equivalent 4.93% Credit Quality
Rating Value A 2.89% AA 56.76% AAA 40.36% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -4% ₹135 Cr 15,000,000 Adani Enterprises Limited
Debentures | -3% ₹100 Cr 10,000 Manappuram Finance Limited
Debentures | -3% ₹99 Cr 10,000 6.94% Govt Stock 2036
Sovereign Bonds | -3% ₹99 Cr 9,964,700 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 Vedanta Limited
Debentures | -2% ₹50 Cr 5,000 Eris Lifesciences Limited
Debentures | -2% ₹50 Cr 5,000 2. DSP Regular Savings Fund
DSP Regular Savings Fund
Growth Launch Date 11 Jun 04 NAV (30 Sep 26) ₹60.3699 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹179 on 15 Aug 26 Category Hybrid - Hybrid Debt AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderately High Expense Ratio 1.19 Sharpe Ratio -0.24 Information Ratio 0.43 Alpha Ratio -0.72 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 30 Sep 21 ₹10,000 30 Sep 22 ₹10,013 30 Sep 23 ₹10,987 30 Sep 24 ₹12,798 30 Sep 25 ₹13,389 Returns for DSP Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26 Duration Returns 1 Month -1.1% 3 Month -0.7% 6 Month 3.7% 1 Year 2.6% 3 Year 7.7% 5 Year 6.6% 10 Year 15 Year Since launch 8.4% 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 5.26 Yr. Shantanu Godambe 1 Aug 24 2.08 Yr. Data below for DSP Regular Savings Fund as on 15 Aug 26
Asset Allocation
Asset Class Value Cash 18.27% Equity 21.34% Debt 60.39% Equity Sector Allocation
Sector Value Financial Services 9.42% Health Care 2.62% Consumer Cyclical 2.59% Energy 1.69% Basic Materials 1.11% Consumer Defensive 1.09% Utility 1.01% Communication Services 0.83% Technology 0.49% Real Estate 0.33% Industrials 0.16% Debt Sector Allocation
Sector Value Government 52.59% Corporate 21.66% Cash Equivalent 4.41% Credit Quality
Rating Value AA 9.65% AAA 90.35% 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 Cholamandalam Investment And Finance Company Limited
Debentures | -3% ₹5 Cr 500 6.64% Govt Stock 2031
Sovereign Bonds | -3% ₹5 Cr 500,000 7.1% Govt Stock 2029
Sovereign Bonds | -3% ₹5 Cr 500,000 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹5 Cr 500,000 3. Nippon India Hybrid Bond Fund
Nippon India Hybrid Bond Fund
Growth Launch Date 29 Dec 03 NAV (30 Sep 26) ₹61.9381 ↑ 0.05 (0.08 %) Net Assets (Cr) ₹984 on 31 Aug 26 Category Hybrid - Hybrid Debt AMC Nippon Life Asset Management Ltd. Rating ☆☆☆ Risk Moderate Expense Ratio 1.9 Sharpe Ratio 0.42 Information Ratio 0.23 Alpha Ratio 1.59 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 30 Sep 21 ₹10,000 30 Sep 22 ₹10,410 30 Sep 23 ₹11,406 30 Sep 24 ₹12,583 30 Sep 25 ₹13,502 Returns for Nippon India Hybrid Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26 Duration Returns 1 Month -0.4% 3 Month 0.7% 6 Month 3.9% 1 Year 5.5% 3 Year 7.7% 5 Year 7.3% 10 Year 15 Year Since launch 8.3% 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 4.98 Yr. Kinjal Desai 29 Dec 03 22.69 Yr. Sushil Budhia 1 Feb 20 6.59 Yr. Akshay Sharma 1 Dec 22 3.75 Yr. Amber Singhania 11 Mar 26 0.48 Yr. Data below for Nippon India Hybrid Bond Fund as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 14.24% Equity 17.44% Debt 67.36% Other 0.96% Equity Sector Allocation
Sector Value Real Estate 5.31% Financial Services 4.03% Industrials 1.68% Consumer Cyclical 1.27% Energy 1.14% Technology 0.85% Basic Materials 0.85% Consumer Defensive 0.71% Health Care 0.61% Communication Services 0.49% Utility 0.49% Debt Sector Allocation
Sector Value Corporate 55.39% Cash Equivalent 14.24% Government 9.06% Securitized 2.92% Credit Quality
Rating Value A 23.02% AA 49.6% AAA 27.39% 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 Adani Airport Holdings Limited
Debentures | -4% ₹40 Cr 4,000 Delhi International Airport Limited
Debentures | -4% ₹37 Cr 3,600 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 Samriddhi Trust**
Unlisted bonds | -3% ₹29 Cr 22
↑ 22 4. SBI Debt Hybrid Fund
SBI Debt Hybrid Fund
Growth Launch Date 9 Apr 01 NAV (30 Sep 26) ₹76.0791 ↑ 0.04 (0.05 %) Net Assets (Cr) ₹10,226 on 31 Aug 26 Category Hybrid - Hybrid Debt AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.23 Sharpe Ratio 0.1 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 30 Sep 21 ₹10,000 30 Sep 22 ₹10,580 30 Sep 23 ₹11,777 30 Sep 24 ₹13,530 30 Sep 25 ₹14,095 Returns for SBI Debt Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Sep 26 Duration Returns 1 Month -1% 3 Month -0.4% 6 Month 4.8% 1 Year 4.1% 3 Year 7.6% 5 Year 8% 10 Year 15 Year Since launch 8.3% 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 4.67 Yr. Mansi Sajeja 30 Jun 21 5.17 Yr. Data below for SBI Debt Hybrid Fund as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 6.92% Equity 23.63% Debt 69.15% Other 0.3% Equity Sector Allocation
Sector Value Financial Services 6.17% Basic Materials 5.76% Industrials 3.4% Health Care 2.95% Consumer Defensive 2.12% Consumer Cyclical 1.99% Energy 1.13% Technology 0.1% Debt Sector Allocation
Sector Value Corporate 61.29% Government 9.46% Cash Equivalent 5.32% Credit Quality
Rating Value A 2.63% AA 43.95% AAA 53.42% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -3% ₹319 Cr 32,500 Adani Power Limited
Debentures | -3% ₹300 Cr 30,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹297 Cr 27,500 Torrent Power Limited
Debentures | -2% ₹249 Cr 25,000 Bajaj Housing Finance Limited
Debentures | -2% ₹246 Cr 25,000
↑ 25,000 The Tata Power Company Limited
Debentures | -2% ₹246 Cr 25,000 Jsw Jfe Kalinga Steel Limited
Debentures | -2% ₹233 Cr 22,500 Aditya Birla Renewables Limited
Debentures | -2% ₹225 Cr 22,500 LIC Housing Finance Ltd
Debentures | -2% ₹225 Cr 22,500 LIC Housing Finance Ltd
Debentures | -2% ₹223 Cr 22,500 5. Aditya Birla Sun Life Regular Savings Fund
Aditya Birla Sun Life Regular Savings Fund
Growth Launch Date 22 May 04 NAV (30 Sep 26) ₹69.4281 ↓ -0.08 (-0.11 %) Net Assets (Cr) ₹1,502 on 31 Aug 26 Category Hybrid - Hybrid Debt AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.86 Sharpe Ratio -0.01 Information Ratio 0.32 Alpha Ratio 0.32 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 30 Sep 21 ₹10,000 30 Sep 22 ₹10,403 30 Sep 23 ₹11,259 30 Sep 24 ₹12,816 30 Sep 25 ₹13,551 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 30 Sep 26 Duration Returns 1 Month -1.5% 3 Month -0.7% 6 Month 3.5% 1 Year 3% 3 Year 7.4% 5 Year 6.9% 10 Year 15 Year Since launch 9.1% 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 1.84 Yr. Harshil Suvarnkar 22 Mar 21 5.45 Yr. Data below for Aditya Birla Sun Life Regular Savings Fund as on 31 Aug 26
Asset Allocation
Asset Class Value Cash 10.56% Equity 23.02% Debt 66.08% Other 0.34% Equity Sector Allocation
Sector Value Financial Services 7.8% Health Care 2.84% Consumer Cyclical 2.39% Industrials 1.98% Basic Materials 1.94% Real Estate 1.43% Technology 1.16% Communication Services 1.11% Utility 0.91% Consumer Defensive 0.83% Energy 0.63% Debt Sector Allocation
Sector Value Corporate 52.56% Government 19.65% Cash Equivalent 4.42% Credit Quality
Rating Value A 5.77% AA 32.85% AAA 61.39% 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 India (Republic of)
- | -3% ₹50 Cr 5,000,000 Tata Capital Housing Finance Limited
Debentures | -3% ₹49 Cr 4,982 Jtpm Metal TRaders Limited
Debentures | -3% ₹47 Cr 4,316 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 Jubilant Bevco Limited
Debentures | -2% ₹28 Cr 2,500 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK2% ₹28 Cr 206,000
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