+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.
Talk to our investment specialist
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 ICICI Prudential MIP 25 Growth ₹78.0979
↑ 0.19 ₹3,370 100 1.7 3.1 7.7 10.2 7.9 7.38% 2Y 2M 1D 4Y 9M 22D Kotak Debt Hybrid Fund Growth ₹59.7857
↑ 0.13 ₹3,103 1,000 1.9 1.9 5.1 10.2 5.3 7.14% 7Y 3M 14D 18Y 10M 6D DSP Regular Savings Fund Growth ₹60.2097
↑ 0.10 ₹180 500 2.1 2.3 6.8 10 7.2 6.3% 2Y 9M 11D 4Y 10M 2D SBI Debt Hybrid Fund Growth ₹74.5298
↑ 0.11 ₹9,879 500 1.8 2.3 6.7 10 6.7 7.4% 3Y 7M 24D 4Y 8M 16D HDFC Hybrid Debt Fund Growth ₹83.7412
↑ 0.15 ₹3,373 300 1.8 1.6 5.4 9.9 5.5 7.02% 5Y 11M 12D 11Y 9M 29D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Jan 26 Research Highlights & Commentary of 5 Funds showcased
Commentary ICICI Prudential MIP 25 Kotak Debt Hybrid Fund DSP Regular Savings Fund SBI Debt Hybrid Fund HDFC Hybrid Debt Fund Point 1 Lower mid AUM (₹3,370 Cr). Bottom quartile AUM (₹3,103 Cr). Bottom quartile AUM (₹180 Cr). Highest AUM (₹9,879 Cr). Upper mid AUM (₹3,373 Cr). Point 2 Established history (21+ yrs). Established history (22+ yrs). Established history (21+ yrs). Oldest track record among peers (24 yrs). Established history (22+ yrs). Point 3 Top rated. Rating: 4★ (lower mid). Rating: 3★ (bottom quartile). Rating: 5★ (upper mid). Rating: 4★ (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: 9.16% (bottom quartile). 5Y return: 9.56% (lower mid). 5Y return: 8.25% (bottom quartile). 5Y return: 9.62% (upper mid). 5Y return: 9.82% (top quartile). Point 6 3Y return: 10.24% (top quartile). 3Y return: 10.15% (upper mid). 3Y return: 10.05% (lower mid). 3Y return: 9.98% (bottom quartile). 3Y return: 9.94% (bottom quartile). Point 7 1Y return: 7.75% (top quartile). 1Y return: 5.11% (bottom quartile). 1Y return: 6.84% (upper mid). 1Y return: 6.65% (lower mid). 1Y return: 5.42% (bottom quartile). Point 8 1M return: 0.28% (bottom quartile). 1M return: 0.77% (top quartile). 1M return: 0.60% (upper mid). 1M return: 0.00% (bottom quartile). 1M return: 0.42% (lower mid). Point 9 Alpha: 0.00 (top quartile). Alpha: -2.79 (bottom quartile). Alpha: -0.35 (bottom quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Point 10 Sharpe: 0.61 (top quartile). Sharpe: -0.21 (bottom quartile). Sharpe: 0.20 (lower mid). Sharpe: 0.24 (upper mid). Sharpe: -0.14 (bottom quartile). ICICI Prudential MIP 25
Kotak Debt Hybrid Fund
DSP Regular Savings Fund
SBI Debt Hybrid Fund
HDFC Hybrid Debt 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 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 (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 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 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. Research Highlights for HDFC Hybrid Debt Fund Below is the key information for HDFC Hybrid Debt Fund Returns up to 1 year are on 1. ICICI Prudential MIP 25
ICICI Prudential MIP 25
Growth Launch Date 30 Mar 04 NAV (02 Jan 26) ₹78.0979 ↑ 0.19 (0.24 %) Net Assets (Cr) ₹3,370 on 15 Dec 25 Category Hybrid - Hybrid Debt AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.67 Sharpe Ratio 0.61 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 Dec 20 ₹10,000 31 Dec 21 ₹10,990 31 Dec 22 ₹11,553 31 Dec 23 ₹12,867 31 Dec 24 ₹14,331 31 Dec 25 ₹15,467 Returns for ICICI Prudential MIP 25
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0.3% 3 Month 1.7% 6 Month 3.1% 1 Year 7.7% 3 Year 10.2% 5 Year 9.2% 10 Year 15 Year Since launch 9.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.9% 2023 11.4% 2022 11.4% 2021 5.1% 2020 9.9% 2019 10.9% 2018 9.6% 2017 5.1% 2016 12.9% 2015 10.9% Fund Manager information for ICICI Prudential MIP 25
Name Since Tenure Manish Banthia 19 Sep 13 12.21 Yr. Akhil Kakkar 22 Jan 24 1.86 Yr. Roshan Chutkey 2 May 22 3.59 Yr. Sharmila D’mello 31 Jul 22 3.34 Yr. Data below for ICICI Prudential MIP 25 as on 15 Dec 25
Asset Allocation
Asset Class Value Cash 10.55% Equity 23.9% Debt 65.27% Other 0.29% Equity Sector Allocation
Sector Value Financial Services 6.62% Consumer Cyclical 3.75% Technology 2.18% Health Care 2.11% Communication Services 1.98% Real Estate 1.63% Industrials 1.52% Energy 1.37% Utility 1.26% Consumer Defensive 0.82% Basic Materials 0.61% Debt Sector Allocation
Sector Value Corporate 48.34% Government 22.76% Cash Equivalent 4.72% Credit Quality
Rating Value A 6.06% AA 30.31% AAA 43.77% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -4% ₹141 Cr 15,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹101 Cr 10,000 Manappuram Finance Ltd. **
Debentures | -3% ₹100 Cr 10,000
↑ 10,000 Adani Enterprises Limited
Debentures | -3% ₹99 Cr 10,000 L&T Metro Rail (Hyderabad) Limited
Debentures | -2% ₹80 Cr 800 6.54% Govt Stock 2034
Sovereign Bonds | -2% ₹75 Cr 7,409,560
↓ -9,165,190 360 One Prime Limited
Debentures | -2% ₹75 Cr 7,500 7.1% Govt Stock 2034
Sovereign Bonds | -2% ₹75 Cr 7,275,880
↓ -500,000 Yes Bank Limited
Debentures | -2% ₹65 Cr 650 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -2% ₹51 Cr 50 2. Kotak Debt Hybrid Fund
Kotak Debt Hybrid Fund
Growth Launch Date 2 Dec 03 NAV (02 Jan 26) ₹59.7857 ↑ 0.13 (0.21 %) Net Assets (Cr) ₹3,103 on 15 Dec 25 Category Hybrid - Hybrid Debt AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.68 Sharpe Ratio -0.21 Information Ratio 0.47 Alpha Ratio -2.79 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 Dec 20 ₹10,000 31 Dec 21 ₹11,330 31 Dec 22 ₹11,812 31 Dec 23 ₹13,451 31 Dec 24 ₹14,989 31 Dec 25 ₹15,777 Returns for Kotak Debt Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0.8% 3 Month 1.9% 6 Month 1.9% 1 Year 5.1% 3 Year 10.2% 5 Year 9.6% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 5.3% 2023 11.4% 2022 13.9% 2021 4.3% 2020 13.3% 2019 13.9% 2018 11.2% 2017 -0.1% 2016 10.2% 2015 13% Fund Manager information for Kotak Debt Hybrid Fund
Name Since Tenure Abhishek Bisen 1 Apr 08 17.68 Yr. Shibani Kurian 3 Sep 24 1.24 Yr. Data below for Kotak Debt Hybrid Fund as on 15 Dec 25
Asset Allocation
Asset Class Value Cash 13.47% Equity 23.14% Debt 63.11% Other 0.28% Equity Sector Allocation
Sector Value Financial Services 6.44% Consumer Cyclical 3.47% Technology 2.28% Health Care 1.94% Industrials 1.62% Communication Services 1.56% Consumer Defensive 1.54% Energy 1.53% Utility 1% Real Estate 0.96% Basic Materials 0.8% Debt Sector Allocation
Sector Value Government 49.13% Corporate 13.98% Cash Equivalent 13.47% Credit Quality
Rating Value A 0.02% AA 11.09% AAA 88.89% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -17% ₹532 Cr 53,668,400 7.3% Govt Stock 2053
Sovereign Bonds | -6% ₹179 Cr 17,979,980 7.09% Govt Stock 2074
Sovereign Bonds | -5% ₹155 Cr 16,250,000
↑ 500,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹103 Cr 10,000 7.09% Govt Stock 2054
Sovereign Bonds | -3% ₹102 Cr 10,500,000 6.9% Govt Stock 2065
Sovereign Bonds | -3% ₹94 Cr 10,000,020
↓ -1,500,000 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -2% ₹76 Cr 75 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -2% ₹76 Cr 75 Bihar (Government of) 0.069%
- | -2% ₹67 Cr 7,000,000 National Housing Bank
Debentures | -2% ₹59 Cr 6,000 3. DSP Regular Savings Fund
DSP Regular Savings Fund
Growth Launch Date 11 Jun 04 NAV (02 Jan 26) ₹60.2097 ↑ 0.10 (0.17 %) Net Assets (Cr) ₹180 on 30 Nov 25 Category Hybrid - Hybrid Debt AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderately High Expense Ratio 1.12 Sharpe Ratio 0.2 Information Ratio 0.6 Alpha Ratio -0.35 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 Dec 20 ₹10,000 31 Dec 21 ₹10,780 31 Dec 22 ₹11,158 31 Dec 23 ₹12,496 31 Dec 24 ₹13,865 31 Dec 25 ₹14,867 Returns for DSP Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0.6% 3 Month 2.1% 6 Month 2.3% 1 Year 6.8% 3 Year 10% 5 Year 8.3% 10 Year 15 Year Since launch 8.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.2% 2023 11% 2022 12% 2021 3.5% 2020 7.8% 2019 9.3% 2018 6.9% 2017 -5.3% 2016 11% 2015 10.7% Fund Manager information for DSP Regular Savings Fund
Name Since Tenure Abhishek Singh 31 May 21 4.51 Yr. Shantanu Godambe 1 Aug 24 1.33 Yr. Data below for DSP Regular Savings Fund as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 15.8% Equity 18.44% Debt 64.64% Other 1.12% Equity Sector Allocation
Sector Value Financial Services 8.55% Health Care 2.4% Consumer Cyclical 1.62% Technology 1.21% Utility 1.08% Consumer Defensive 1.04% Energy 0.84% Basic Materials 0.78% Industrials 0.53% Communication Services 0.39% Debt Sector Allocation
Sector Value Government 60.56% Cash Equivalent 15.8% Corporate 4.08% Credit Quality
Rating Value AA 5.55% AAA 94.45% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.33% Govt Stock 2035
Sovereign Bonds | -13% ₹25 Cr 2,500,000 6.82% Govt Stock 2033
Sovereign Bonds | -11% ₹21 Cr 2,000,000 7.32% Govt Stock 2030
Sovereign Bonds | -11% ₹21 Cr 2,000,000 Power Grid Corporation Of India Limited
Debentures | -6% ₹11 Cr 100 7.06% Govt Stock 2028
Sovereign Bonds | -6% ₹10 Cr 1,000,000 Muthoot Finance Limited
Debentures | -4% ₹8 Cr 750 National Bank For Agriculture And Rural Development
Debentures | -3% ₹5 Cr 50 7.02% Govt Stock 2031
Sovereign Bonds | -3% ₹5 Cr 500,000 7.37% Govt Stock 2028
Sovereign Bonds | -3% ₹5 Cr 500,000 7.1% Govt Stock 2029
Sovereign Bonds | -3% ₹5 Cr 500,000 4. SBI Debt Hybrid Fund
SBI Debt Hybrid Fund
Growth Launch Date 9 Apr 01 NAV (02 Jan 26) ₹74.5298 ↑ 0.11 (0.15 %) Net Assets (Cr) ₹9,879 on 15 Dec 25 Category Hybrid - Hybrid Debt AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.23 Sharpe Ratio 0.24 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 Dec 20 ₹10,000 31 Dec 21 ₹11,406 31 Dec 22 ₹11,924 31 Dec 23 ₹13,378 31 Dec 24 ₹14,851 31 Dec 25 ₹15,846 Returns for SBI Debt Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0% 3 Month 1.8% 6 Month 2.3% 1 Year 6.7% 3 Year 10% 5 Year 9.6% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.7% 2023 11% 2022 12.2% 2021 4.5% 2020 14.1% 2019 13.5% 2018 8.1% 2017 -0.2% 2016 8.5% 2015 12.5% Fund Manager information for SBI Debt Hybrid Fund
Name Since Tenure Saurabh Pant 1 Jan 22 3.92 Yr. Mansi Sajeja 30 Jun 21 4.42 Yr. Milind Agrawal 1 Aug 25 0.33 Yr. Data below for SBI Debt Hybrid Fund as on 15 Dec 25
Asset Allocation
Asset Class Value Cash 6.12% Equity 23.16% Debt 70.43% Other 0.29% Equity Sector Allocation
Sector Value Financial Services 6.41% Basic Materials 5.19% Industrials 4.09% Consumer Cyclical 2.09% Health Care 2.04% Consumer Defensive 1.89% Energy 1.45% Debt Sector Allocation
Sector Value Corporate 57.15% Government 13.29% Cash Equivalent 6.12% Credit Quality
Rating Value A 2.5% AA 45.25% AAA 52.25% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.68% Govt Stock 2040
Sovereign Bonds | -4% ₹364 Cr 37,500,000 7.18% Govt Stock 2033
Sovereign Bonds | -3% ₹310 Cr 30,000,000
↑ 12,500,000 TATA Power Renewable Energy Limited
Debentures | -3% ₹306 Cr 30,000 Aditya Birla Renewables Limited
Debentures | -3% ₹303 Cr 30,000 Infopark Properties Limited
Debentures | -3% ₹301 Cr 30,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹257 Cr 25,000 Bajaj Finance Limited
Debentures | -3% ₹254 Cr 25,000 LIC Housing Finance Ltd
Debentures | -2% ₹227 Cr 22,500 Asian Paints Ltd (Basic Materials)
Equity, Since 15 Jun 25 | 5008202% ₹207 Cr 744,000 Cholamandalam Investment And Finance Company Limited
Debentures | -2% ₹205 Cr 20,000 5. HDFC Hybrid Debt Fund
HDFC Hybrid Debt Fund
Growth Launch Date 26 Dec 03 NAV (02 Jan 26) ₹83.7412 ↑ 0.15 (0.17 %) Net Assets (Cr) ₹3,373 on 30 Nov 25 Category Hybrid - Hybrid Debt AMC HDFC Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.76 Sharpe Ratio -0.14 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 Dec 20 ₹10,000 31 Dec 21 ₹11,336 31 Dec 22 ₹12,016 31 Dec 23 ₹13,688 31 Dec 24 ₹15,121 31 Dec 25 ₹15,958 Returns for HDFC Hybrid Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jan 26 Duration Returns 1 Month 0.4% 3 Month 1.8% 6 Month 1.6% 1 Year 5.4% 3 Year 9.9% 5 Year 9.8% 10 Year 15 Year Since launch 10.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 5.5% 2023 10.5% 2022 13.9% 2021 6% 2020 13.4% 2019 10.2% 2018 6.6% 2017 0.6% 2016 10.8% 2015 13% Fund Manager information for HDFC Hybrid Debt Fund
Name Since Tenure Shobhit Mehrotra 1 Sep 07 18.26 Yr. Srinivasan Ramamurthy 14 Dec 21 3.97 Yr. Dhruv Muchhal 22 Jun 23 2.45 Yr. Data below for HDFC Hybrid Debt Fund as on 30 Nov 25
Asset Allocation
Asset Class Value Cash 3.71% Equity 21.24% Debt 74.77% Other 0.29% Equity Sector Allocation
Sector Value Financial Services 8.6% Energy 2.4% Technology 1.99% Health Care 1.82% Industrials 1.62% Utility 1.24% Consumer Cyclical 1.14% Communication Services 0.98% Real Estate 0.65% Consumer Defensive 0.6% Basic Materials 0.17% Debt Sector Allocation
Sector Value Government 51.19% Corporate 23.58% Cash Equivalent 3.71% Credit Quality
Rating Value AA 7.12% AAA 92.88% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.34% Govt Stock 2064
Sovereign Bonds | -4% ₹139 Cr 14,000,000 7.09% Govt Stock 2054
Sovereign Bonds | -3% ₹112 Cr 11,500,000 7.23% Govt Stock 2039
Sovereign Bonds | -3% ₹102 Cr 10,000,000 6.54% Govt Stock 2034
Sovereign Bonds | -3% ₹102 Cr 10,000,000
↑ 5,000,000 7.3% Govt Stock 2053
Sovereign Bonds | -3% ₹85 Cr 8,500,000 Indian Railway Finance Corporation Limited
Debentures | -2% ₹83 Cr 800 7.18% Govt Stock 2037
Sovereign Bonds | -2% ₹72 Cr 7,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -2% ₹71 Cr 7,000,000 HDFC Bank Ltd (Financial Services)
Equity, Since 15 Dec 21 | HDFCBANK2% ₹70 Cr 700,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK2% ₹68 Cr 500,000
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.
You Might Also Like
AMFI Registration No. 112358 | CIN: U74999MH2016PTC282153
Shepard Technologies Pvt. Ltd. (with ARN code 112358) makes no warranties or representations, express or implied, on products offered through the platform. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
©2026 Shepard Technologies Private Limited. All Rights Reserved
Research Highlights for ICICI Prudential MIP 25