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Best 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 (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity HDFC Hybrid Debt Fund Growth ₹81.7291
↓ -0.17 ₹3,401 300 0.4 3.4 4.6 10.5 10.5 6.95% 6Y 7D 11Y 8M 23D Kotak Debt Hybrid Fund Growth ₹58.0283
↓ -0.16 ₹3,134 1,000 0.7 2.7 5 10.3 11.4 7.09% 8Y 1M 13D 18Y 11M 16D ICICI Prudential MIP 25 Growth ₹75.7035
↓ -0.11 ₹3,220 100 2.5 4.6 7.2 10.2 11.4 7.3% 1Y 11M 8D 3Y 1M 2D SBI Debt Hybrid Fund Growth ₹72.3992
↓ -0.20 ₹9,748 500 2.1 4.3 5.6 10 11 7.24% 3Y 10M 2D 5Y 6M 18D DSP Regular Savings Fund Growth ₹58.6611
↓ -0.10 ₹174 500 1.2 4.5 7 10 11 6.13% 2Y 10M 13D 4Y 2M 1D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25 Research Highlights & Commentary of 5 Funds showcased
Commentary HDFC Hybrid Debt Fund Kotak Debt Hybrid Fund ICICI Prudential MIP 25 SBI Debt Hybrid Fund DSP Regular Savings Fund Point 1 Upper mid AUM (₹3,401 Cr). Bottom quartile AUM (₹3,134 Cr). Lower mid AUM (₹3,220 Cr). Highest AUM (₹9,748 Cr). Bottom quartile AUM (₹174 Cr). Point 2 Established history (21+ yrs). Established history (21+ yrs). Established history (21+ yrs). Oldest track record among peers (24 yrs). Established history (21+ yrs). Point 3 Rating: 4★ (lower mid). Rating: 4★ (bottom quartile). Top rated. Rating: 5★ (upper mid). Rating: 3★ (bottom quartile). Point 4 Risk profile: Moderately High. Risk profile: Moderate. Risk profile: Moderately High. Risk profile: Moderate. Risk profile: Moderately High. Point 5 5Y return: 11.32% (top quartile). 5Y return: 11.01% (lower mid). 5Y return: 10.05% (bottom quartile). 5Y return: 11.18% (upper mid). 5Y return: 9.17% (bottom quartile). Point 6 3Y return: 10.54% (top quartile). 3Y return: 10.29% (upper mid). 3Y return: 10.22% (lower mid). 3Y return: 10.00% (bottom quartile). 3Y return: 9.99% (bottom quartile). Point 7 1Y return: 4.62% (bottom quartile). 1Y return: 5.04% (bottom quartile). 1Y return: 7.16% (top quartile). 1Y return: 5.63% (lower mid). 1Y return: 7.04% (upper mid). Point 8 1M return: -1.03% (bottom quartile). 1M return: -1.14% (bottom quartile). 1M return: -0.23% (top quartile). 1M return: -0.87% (lower mid). 1M return: -0.52% (upper mid). Point 9 Alpha: 0.00 (upper mid). Alpha: -2.63 (bottom quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 0.64 (top quartile). Point 10 Sharpe: 0.08 (bottom quartile). Sharpe: 0.08 (bottom quartile). Sharpe: 0.63 (upper mid). Sharpe: 0.16 (lower mid). Sharpe: 0.68 (top quartile). HDFC Hybrid Debt Fund
Kotak Debt Hybrid Fund
ICICI Prudential MIP 25
SBI Debt Hybrid Fund
DSP Regular Savings Fund
(Erstwhile HDFC MF Monthly Income Plan - LTP) The primary objective of Scheme is to generate regular returns through investment primarily in Debt and Money Market Instruments. The secondary objective of the Scheme is to generate long-term capital appreciation by investing a portion of the Scheme`s assets in equity and equity related instruments. However, there can be no assurance that the investment objective of the Scheme will be achieved. Below is the key information for HDFC Hybrid Debt Fund Returns up to 1 year are on (Erstwhile Kotak Monthly Income Plan) To enhance returns over a portfolio of debt instruments with a moderate exposure in equity and equity related instruments. Research Highlights for Kotak Debt Hybrid Fund Below is the key information for Kotak Debt Hybrid Fund Returns up to 1 year are on 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. Research Highlights for ICICI Prudential MIP 25 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 1. HDFC Hybrid Debt Fund
HDFC Hybrid Debt Fund
Growth Launch Date 26 Dec 03 NAV (08 Aug 25) ₹81.7291 ↓ -0.17 (-0.20 %) Net Assets (Cr) ₹3,401 on 30 Jun 25 Category Hybrid - Hybrid Debt AMC HDFC Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.79 Sharpe Ratio 0.08 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹12,064 31 Jul 22 ₹12,627 31 Jul 23 ₹14,210 31 Jul 24 ₹16,488 31 Jul 25 ₹17,245 Returns for HDFC Hybrid Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25 Duration Returns 1 Month -1% 3 Month 0.4% 6 Month 3.4% 1 Year 4.6% 3 Year 10.5% 5 Year 11.3% 10 Year 15 Year Since launch 10.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.5% 2023 13.9% 2022 6% 2021 13.4% 2020 10.2% 2019 6.6% 2018 0.6% 2017 10.8% 2016 13% 2015 3.8% Fund Manager information for HDFC Hybrid Debt Fund
Name Since Tenure Shobhit Mehrotra 1 Sep 07 17.93 Yr. Srinivasan Ramamurthy 14 Dec 21 3.63 Yr. Dhruv Muchhal 22 Jun 23 2.11 Yr. Data below for HDFC Hybrid Debt Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 3.55% Equity 20.72% Debt 75.46% Other 0.28% Equity Sector Allocation
Sector Value Financial Services 8.26% Energy 2.24% Technology 1.88% Health Care 1.73% Industrials 1.49% Consumer Cyclical 1.35% Utility 1.23% Communication Services 1.03% Consumer Defensive 0.74% Real Estate 0.57% Basic Materials 0.18% Debt Sector Allocation
Sector Value Government 50.57% Corporate 24.89% Cash Equivalent 3.55% Credit Quality
Rating Value AA 12.43% AAA 87.57% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -4% ₹119 Cr 11,500,000 7.09% Govt Stock 2054
Sovereign Bonds | -3% ₹116 Cr 11,500,000 7.23% Govt Stock 2039
Sovereign Bonds | -3% ₹105 Cr 10,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -3% ₹88 Cr 8,500,000 Indian Railway Finance Corporation Limited
Debentures | -2% ₹84 Cr 800 6.33% Govt Stock 2035
Sovereign Bonds | -2% ₹77 Cr 7,739,400 7.18% Govt Stock 2037
Sovereign Bonds | -2% ₹73 Cr 7,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -2% ₹72 Cr 7,000,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK2% ₹72 Cr 500,000
↓ -90,000 HDFC Bank Ltd (Financial Services)
Equity, Since 15 Dec 21 | HDFCBANK2% ₹70 Cr 350,000 2. Kotak Debt Hybrid Fund
Kotak Debt Hybrid Fund
Growth Launch Date 2 Dec 03 NAV (08 Aug 25) ₹58.0283 ↓ -0.16 (-0.28 %) Net Assets (Cr) ₹3,134 on 30 Jun 25 Category Hybrid - Hybrid Debt AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.76 Sharpe Ratio 0.08 Information Ratio 0.8 Alpha Ratio -2.63 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹11,900 31 Jul 22 ₹12,506 31 Jul 23 ₹13,876 31 Jul 24 ₹16,208 31 Jul 25 ₹17,024 Returns for Kotak Debt Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25 Duration Returns 1 Month -1.1% 3 Month 0.7% 6 Month 2.7% 1 Year 5% 3 Year 10.3% 5 Year 11% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 11.4% 2023 13.9% 2022 4.3% 2021 13.3% 2020 13.9% 2019 11.2% 2018 -0.1% 2017 10.2% 2016 13% 2015 5.4% Fund Manager information for Kotak Debt Hybrid Fund
Name Since Tenure Abhishek Bisen 1 Apr 08 17.34 Yr. Shibani Kurian 3 Sep 24 0.91 Yr. Data below for Kotak Debt Hybrid Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 5.69% Equity 22.66% Debt 71.38% Other 0.27% Equity Sector Allocation
Sector Value Financial Services 6.69% Consumer Cyclical 2.89% Technology 2.77% Health Care 1.8% Energy 1.63% Utility 1.59% Industrials 1.5% Communication Services 1.43% Consumer Defensive 1.42% Basic Materials 0.8% Real Estate 0.12% Debt Sector Allocation
Sector Value Government 54.53% Corporate 16.85% Cash Equivalent 5.69% Credit Quality
Rating Value A 0.2% AA 11.76% AAA 88.05% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -19% ₹595 Cr 57,268,400
↑ 5,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -12% ₹368 Cr 35,441,510
↓ -8,000,000 National Housing Bank
Debentures | -5% ₹149 Cr 15,000 Bharti Telecom Limited
Debentures | -4% ₹128 Cr 12,500 6.9% Govt Stock 2065
Sovereign Bonds | -4% ₹128 Cr 13,000,010
↑ 13,000,010 6.92% Govt Stock 2039
Sovereign Bonds | -4% ₹113 Cr 11,000,000
↓ -3,500,000 Telangana State Industrial Infrastructure Corporation Limited
Debentures | -2% ₹61 Cr 6,000 7.1% Govt Stock 2034
Sovereign Bonds | -2% ₹52 Cr 5,000,000
↑ 5,000,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹51 Cr 5,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -2% ₹50 Cr 5,000 3. ICICI Prudential MIP 25
ICICI Prudential MIP 25
Growth Launch Date 30 Mar 04 NAV (08 Aug 25) ₹75.7035 ↓ -0.11 (-0.14 %) Net Assets (Cr) ₹3,220 on 30 Jun 25 Category Hybrid - Hybrid Debt AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.74 Sharpe Ratio 0.63 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 20 ₹10,000 31 Jul 21 ₹11,287 31 Jul 22 ₹12,051 31 Jul 23 ₹13,232 31 Jul 24 ₹15,157 31 Jul 25 ₹16,286 Returns for ICICI Prudential MIP 25
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25 Duration Returns 1 Month -0.2% 3 Month 2.5% 6 Month 4.6% 1 Year 7.2% 3 Year 10.2% 5 Year 10.1% 10 Year 15 Year Since launch 9.9% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 6.4% Fund Manager information for ICICI Prudential MIP 25
Name Since Tenure Manish Banthia 19 Sep 13 11.87 Yr. Akhil Kakkar 22 Jan 24 1.52 Yr. Roshan Chutkey 2 May 22 3.25 Yr. Sharmila D’mello 31 Jul 22 3 Yr. Data below for ICICI Prudential MIP 25 as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 14.25% Equity 23.9% Debt 61.56% Other 0.29% Equity Sector Allocation
Sector Value Financial Services 6.76% Consumer Cyclical 3.79% Health Care 3.44% Real Estate 1.84% Communication Services 1.73% Basic Materials 1.49% Industrials 1.16% Consumer Defensive 1.14% Technology 1.03% Utility 0.95% Energy 0.56% Debt Sector Allocation
Sector Value Corporate 46.45% Government 24.03% Cash Equivalent 5.33% Credit Quality
Rating Value A 8.39% AA 35.63% AAA 55.98% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.99% Govt Stock 2034
Sovereign Bonds | -5% ₹170 Cr 16,574,750 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹113 Cr 10,775,880 National Bank For Agriculture And Rural Development
Debentures | -3% ₹102 Cr 10,000 State Bank Of India
Debentures | -3% ₹100 Cr 1,000 6.9% Govt Stock 2065
Sovereign Bonds | -3% ₹98 Cr 10,000,000
↑ 10,000,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -2% ₹80 Cr 800 360 One Prime Limited
Debentures | -2% ₹76 Cr 7,500 Yes Bank Limited
Debentures | -2% ₹65 Cr 650 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 19 | ICICIBANK2% ₹53 Cr 372,298 Godrej Properties Limited
Debentures | -2% ₹51 Cr 5,000 4. SBI Debt Hybrid Fund
SBI Debt Hybrid Fund
Growth Launch Date 9 Apr 01 NAV (08 Aug 25) ₹72.3992 ↓ -0.20 (-0.28 %) Net Assets (Cr) ₹9,748 on 30 Jun 25 Category Hybrid - Hybrid Debt AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.11 Sharpe Ratio 0.16 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 20 ₹10,000 31 Jul 21 ₹11,969 31 Jul 22 ₹12,710 31 Jul 23 ₹14,173 31 Jul 24 ₹16,281 31 Jul 25 ₹17,183 Returns for SBI Debt Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25 Duration Returns 1 Month -0.9% 3 Month 2.1% 6 Month 4.3% 1 Year 5.6% 3 Year 10% 5 Year 11.2% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 8.2% Fund Manager information for SBI Debt Hybrid Fund
Name Since Tenure Saurabh Pant 1 Jan 22 3.58 Yr. Mansi Sajeja 30 Jun 21 4.09 Yr. Pradeep Kesavan 1 Dec 23 1.67 Yr. Data below for SBI Debt Hybrid Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 3.67% Equity 24.54% Debt 71.5% Other 0.29% Equity Sector Allocation
Sector Value Financial Services 7.82% Industrials 4.62% Basic Materials 3.7% Energy 2.35% Consumer Defensive 2.14% Consumer Cyclical 2.08% Health Care 1.83% Debt Sector Allocation
Sector Value Corporate 57.7% Government 12.11% Cash Equivalent 5.37% Credit Quality
Rating Value AA 47.9% AAA 52.1% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -4% ₹386 Cr 37,500,000
↑ 17,500,000 Aditya Birla Renewables Limited
Debentures | -3% ₹307 Cr 30,000 TATA Power Renewable Energy Limited
Debentures | -3% ₹307 Cr 30,000 Infopark Properties Limited
Debentures | -3% ₹304 Cr 30,000 Bajaj Finance Limited
Debentures | -3% ₹254 Cr 25,000 State Bank Of India
Debentures | -3% ₹249 Cr 2,500 Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 23 | RELIANCE2% ₹230 Cr 1,550,000
↓ -100,000 LIC Housing Finance Ltd
Debentures | -2% ₹229 Cr 22,500 Cholamandalam Investment And Finance Company Limited
Debentures | -2% ₹204 Cr 20,000 TATA Communications Limited
Debentures | -2% ₹203 Cr 20,000 5. DSP Regular Savings Fund
DSP Regular Savings Fund
Growth Launch Date 11 Jun 04 NAV (08 Aug 25) ₹58.6611 ↓ -0.10 (-0.16 %) Net Assets (Cr) ₹174 on 30 Jun 25 Category Hybrid - Hybrid Debt AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderately High Expense Ratio 1.14 Sharpe Ratio 0.68 Information Ratio 0.51 Alpha Ratio 0.64 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 20 ₹10,000 31 Jul 21 ₹11,424 31 Jul 22 ₹11,640 31 Jul 23 ₹12,719 31 Jul 24 ₹14,567 31 Jul 25 ₹15,605 Returns for DSP Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Aug 25 Duration Returns 1 Month -0.5% 3 Month 1.2% 6 Month 4.5% 1 Year 7% 3 Year 10% 5 Year 9.2% 10 Year 15 Year Since launch 8.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 11% 2023 12% 2022 3.5% 2021 7.8% 2020 9.3% 2019 6.9% 2018 -5.3% 2017 11% 2016 10.7% 2015 4.8% Fund Manager information for DSP Regular Savings Fund
Name Since Tenure Abhishek Singh 31 May 21 4.17 Yr. Shantanu Godambe 1 Aug 24 1 Yr. Data below for DSP Regular Savings Fund as on 30 Jun 25
Asset Allocation
Asset Class Value Cash 8.55% Equity 14.51% Debt 75.79% Other 1.15% Equity Sector Allocation
Sector Value Financial Services 6.29% Consumer Cyclical 2.2% Health Care 2.09% Utility 0.84% Industrials 0.64% Basic Materials 0.62% Energy 0.61% Consumer Defensive 0.61% Technology 0.45% Communication Services 0.17% Debt Sector Allocation
Sector Value Government 75.79% Cash Equivalent 8.55% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Govt Stock 2034
Sovereign Bonds | -15% ₹26 Cr 2,500,000 7.32% Govt Stock 2030
Sovereign Bonds | -12% ₹21 Cr 2,000,000 7.81% Govt Stock 2033
Sovereign Bonds | -12% ₹21 Cr 2,000,000
↑ 1,500,000 7.1% Govt Stock 2029
Sovereign Bonds | -6% ₹11 Cr 1,000,000 Power Grid Corporation Of India Limited
Debentures | -6% ₹11 Cr 100 7.06% Govt Stock 2028
Sovereign Bonds | -6% ₹10 Cr 1,000,000 7.1% Govt Stock 2034
Sovereign Bonds | -3% ₹5 Cr 500,000 7.37% Govt Stock 2028
Sovereign Bonds | -3% ₹5 Cr 500,000 7.02% Govt Stock 2031
Sovereign Bonds | -3% ₹5 Cr 500,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹5 Cr 50
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 HDFC Hybrid Debt Fund