+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 (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity ICICI Prudential MIP 25 Growth ₹78.5824
↑ 0.08 ₹3,289 100 2.5 1.4 4.4 9.2 7.9 8.34% 2Y 3M 29D 4Y 8M 5D SBI Debt Hybrid Fund Growth ₹75.878
↑ 0.06 ₹9,754 500 3.2 2.7 5.1 8.9 6.7 8.1% 2Y 10M 24D 4Y 11M 12D DSP Regular Savings Fund Growth ₹60.5584
↓ 0.00 ₹179 500 2.1 1.3 3.2 8.8 7.2 7% 2Y 9M 29D 4Y 9M 4D Aditya Birla Sun Life Regular Savings Fund Growth ₹69.5069
↑ 0.09 ₹1,479 500 2.3 1.8 4.5 8.3 7.1 8.09% 3Y 6M 29D 5Y 3M 11D Kotak Debt Hybrid Fund Growth ₹59.1872
↑ 0.07 ₹2,902 1,000 1.4 0 1.5 8.2 5.3 7.63% 5Y 2M 19D 12Y 18D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Jun 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 Kotak Debt Hybrid Fund Point 1 Upper mid AUM (₹3,289 Cr). Highest AUM (₹9,754 Cr). Bottom quartile AUM (₹179 Cr). Bottom quartile AUM (₹1,479 Cr). Lower mid AUM (₹2,902 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: 4★ (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: 8.47% (upper mid). 5Y return: 8.81% (top quartile). 5Y return: 7.30% (bottom quartile). 5Y return: 7.90% (bottom quartile). 5Y return: 8.03% (lower mid). Point 6 3Y return: 9.19% (top quartile). 3Y return: 8.85% (upper mid). 3Y return: 8.77% (lower mid). 3Y return: 8.30% (bottom quartile). 3Y return: 8.21% (bottom quartile). Point 7 1Y return: 4.35% (lower mid). 1Y return: 5.09% (top quartile). 1Y return: 3.21% (bottom quartile). 1Y return: 4.49% (upper mid). 1Y return: 1.48% (bottom quartile). Point 8 1M return: 1.30% (lower mid). 1M return: 0.92% (bottom quartile). 1M return: 1.17% (bottom quartile). 1M return: 1.31% (upper mid). 1M return: 1.46% (top quartile). Point 9 Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 0.03 (upper mid). Alpha: 1.63 (top quartile). Alpha: -1.11 (bottom quartile). Point 10 Sharpe: -0.24 (lower mid). Sharpe: -0.07 (top quartile). Sharpe: -0.56 (bottom quartile). Sharpe: -0.20 (upper mid). Sharpe: -0.78 (bottom quartile). ICICI Prudential MIP 25
SBI Debt Hybrid Fund
DSP Regular Savings Fund
Aditya Birla Sun Life Regular Savings Fund
Kotak Debt Hybrid 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 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 1. ICICI Prudential MIP 25
ICICI Prudential MIP 25
Growth Launch Date 30 Mar 04 NAV (17 Jun 26) ₹78.5824 ↑ 0.08 (0.10 %) Net Assets (Cr) ₹3,289 on 30 Apr 26 Category Hybrid - Hybrid Debt AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.67 Sharpe Ratio -0.24 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 May 21 ₹10,000 31 May 22 ₹10,628 31 May 23 ₹11,475 31 May 24 ₹13,022 31 May 25 ₹14,381 31 May 26 ₹14,916 Returns for ICICI Prudential MIP 25
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jun 26 Duration Returns 1 Month 1.3% 3 Month 2.5% 6 Month 1.4% 1 Year 4.4% 3 Year 9.2% 5 Year 8.5% 10 Year 15 Year Since launch 9.7% 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 12.71 Yr. Akhil Kakkar 22 Jan 24 2.36 Yr. Roshan Chutkey 2 May 22 4.08 Yr. Sharmila D’mello 31 Jul 22 3.84 Yr. Data below for ICICI Prudential MIP 25 as on 30 Apr 26
Asset Allocation
Asset Class Value Cash 10.35% Equity 23.33% Debt 66.02% Other 0.3% Equity Sector Allocation
Sector Value Financial Services 7.22% Consumer Cyclical 3.68% Communication Services 2.15% Consumer Defensive 2.09% Health Care 1.69% Technology 1.67% Real Estate 1.37% Industrials 1.04% Utility 0.83% Basic Materials 0.81% Energy 0.78% Debt Sector Allocation
Sector Value Corporate 48.13% Government 20.78% Cash Equivalent 7.46% Credit Quality
Rating Value A 7% AA 51.26% AAA 41.74% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -4% ₹135 Cr 15,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹100 Cr 10,000 Manappuram Finance Limited
Debentures | -3% ₹99 Cr 10,000 Adani Enterprises Limited
Debentures | -3% ₹99 Cr 10,000 6.48% Govt Stock 2035
Sovereign Bonds | -3% ₹96 Cr 10,000,000
↑ 2,500,000 Godrej Properties Limited
Debentures | -2% ₹75 Cr 7,500 360 One Prime Limited
Debentures | -2% ₹75 Cr 7,500 Yes Bank Limited
Debentures | -2% ₹65 Cr 650 6.53% Govt Stock 2034
Sovereign Bonds | -2% ₹55 Cr 5,369,910 Indostar Capital Finance Limited
Debentures | -2% ₹50 Cr 5,000 2. SBI Debt Hybrid Fund
SBI Debt Hybrid Fund
Growth Launch Date 9 Apr 01 NAV (17 Jun 26) ₹75.878 ↑ 0.06 (0.07 %) Net Assets (Cr) ₹9,754 on 30 Apr 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 May 21 ₹10,000 31 May 22 ₹10,696 31 May 23 ₹11,797 31 May 24 ₹13,385 31 May 25 ₹14,580 31 May 26 ₹15,223 Returns for SBI Debt Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jun 26 Duration Returns 1 Month 0.9% 3 Month 3.2% 6 Month 2.7% 1 Year 5.1% 3 Year 8.9% 5 Year 8.8% 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 4.42 Yr. Mansi Sajeja 30 Jun 21 4.92 Yr. Data below for SBI Debt Hybrid Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Cash 11.75% Equity 24.48% Debt 63.47% Other 0.3% Equity Sector Allocation
Sector Value Basic Materials 6.53% Financial Services 5.35% Industrials 4.13% Consumer Defensive 2.75% Health Care 2.28% Consumer Cyclical 2.18% Energy 1.26% Debt Sector Allocation
Sector Value Corporate 56.67% Government 11.05% Cash Equivalent 7.49% Credit Quality
Rating Value A 2.65% AA 46.56% AAA 50.79% Top Securities Holdings / Portfolio
Name Holding Value Quantity Infopark Properties Limited
Debentures | -3% ₹300 Cr 30,000 Aditya Birla Renewables Limited
Debentures | -3% ₹300 Cr 30,000 Adani Power Limited
Debentures | -3% ₹297 Cr 30,000 State Government Of Tamil Nadu
Sovereign Bonds | -3% ₹289 Cr 30,000,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹262 Cr 25,000 Jsw Kalinga Steel Limited
Debentures | -3% ₹259 Cr 26,000 Bajaj Finance Limited
Debentures | -3% ₹249 Cr 25,000 LIC Housing Finance Ltd
Debentures | -2% ₹224 Cr 22,500 Cholamandalam Investment And Finance Company Limited
Debentures | -2% ₹201 Cr 20,000 Small Industries Development Bank Of India
Debentures | -2% ₹197 Cr 20,000 3. DSP Regular Savings Fund
DSP Regular Savings Fund
Growth Launch Date 11 Jun 04 NAV (17 Jun 26) ₹60.5584 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹179 on 30 Apr 26 Category Hybrid - Hybrid Debt AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderately High Expense Ratio 1.12 Sharpe Ratio -0.57 Information Ratio 0.78 Alpha Ratio 0.03 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 May 21 ₹10,000 31 May 22 ₹10,268 31 May 23 ₹11,046 31 May 24 ₹12,434 31 May 25 ₹13,888 31 May 26 ₹14,197 Returns for DSP Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jun 26 Duration Returns 1 Month 1.2% 3 Month 2.1% 6 Month 1.3% 1 Year 3.2% 3 Year 8.8% 5 Year 7.3% 10 Year 15 Year Since launch 8.5% 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 5.01 Yr. Shantanu Godambe 1 Aug 24 1.83 Yr. Data below for DSP Regular Savings Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Cash 19.62% Equity 18.52% Debt 60.84% Other 1.03% Equity Sector Allocation
Sector Value Financial Services 8.88% Health Care 2.67% Consumer Cyclical 2.33% Consumer Defensive 1.29% Basic Materials 1.13% Communication Services 0.69% Technology 0.5% Energy 0.45% Utility 0.34% Industrials 0.24% Debt Sector Allocation
Sector Value Government 53.7% Corporate 20.38% Cash Equivalent 6.38% Credit Quality
Rating Value AA 9.55% AAA 90.45% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.32% Govt Stock 2030
Sovereign Bonds | -11% ₹20 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% ₹15 Cr 1,500,000 7.06% Govt Stock 2028
Sovereign Bonds | -6% ₹10 Cr 1,000,000 6.48% Govt Stock 2035
Sovereign Bonds | -5% ₹10 Cr 1,000,000 Muthoot Finance Limited
Debentures | -4% ₹8 Cr 750 6.52% Govt Stock 2031
Sovereign Bonds | -3% ₹5 Cr 500,000 Cholamandalam Investment And Finance Company Limited
Debentures | -3% ₹5 Cr 500 7.02% Govt Stock 2031
Sovereign Bonds | -3% ₹5 Cr 500,000 HDFC Bank Ltd (Financial Services)
Equity, Since 15 Jul 23 | HDFCBANK3% ₹5 Cr 66,974 4. Aditya Birla Sun Life Regular Savings Fund
Aditya Birla Sun Life Regular Savings Fund
Growth Launch Date 22 May 04 NAV (17 Jun 26) ₹69.5069 ↑ 0.09 (0.13 %) Net Assets (Cr) ₹1,479 on 30 Apr 26 Category Hybrid - Hybrid Debt AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.91 Sharpe Ratio -0.2 Information Ratio 0.5 Alpha Ratio 1.63 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 May 21 ₹10,000 31 May 22 ₹10,671 31 May 23 ₹11,529 31 May 24 ₹12,765 31 May 25 ₹14,088 31 May 26 ₹14,592 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 17 Jun 26 Duration Returns 1 Month 1.3% 3 Month 2.3% 6 Month 1.8% 1 Year 4.5% 3 Year 8.3% 5 Year 7.9% 10 Year 15 Year Since launch 9.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.1% 2023 10.5% 2022 9.6% 2021 5.3% 2020 13.4% 2019 9.2% 2018 5.8% 2017 -2.2% 2016 15.5% 2015 13.1% Fund Manager information for Aditya Birla Sun Life Regular Savings Fund
Name Since Tenure Mohit Sharma 31 Oct 24 1.58 Yr. Harshil Suvarnkar 22 Mar 21 5.2 Yr. Data below for Aditya Birla Sun Life Regular Savings Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Cash 7.83% Equity 22.24% Debt 69.28% Other 0.66% Equity Sector Allocation
Sector Value Financial Services 7.33% Health Care 2.93% Consumer Cyclical 2.3% Basic Materials 2.14% Industrials 1.91% Communication Services 1.16% Technology 1.1% Utility 0.94% Consumer Defensive 0.93% Real Estate 0.81% Energy 0.68% Debt Sector Allocation
Sector Value Corporate 47.27% Government 24.74% Cash Equivalent 5.09% Credit Quality
Rating Value A 5.66% AA 26.49% AAA 67.85% Top Securities Holdings / Portfolio
Name Holding Value Quantity Cholamandalam Investment And Finance Company Limited
Debentures | -4% ₹55 Cr 5,500 Housing And Urban Development Corporation Limited
Debentures | -3% ₹49 Cr 5,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹45 Cr 4,316 State Government Of Madhya Pradesh
Sovereign Bonds | -3% ₹39 Cr 4,000,000 Adani Power Limited
Debentures | -2% ₹35 Cr 3,500 Nuvama Wealth Finance Limited
Debentures | -2% ₹30 Cr 3,000 Bajaj Housing Finance Limited
Debentures | -2% ₹30 Cr 300 Bharti Telecom Limited
Debentures | -2% ₹30 Cr 3,000 Jubilant Bevco Limited
Debentures | -2% ₹27 Cr 2,500 GMR Airports Limited
Debentures | -2% ₹26 Cr 2,500 5. Kotak Debt Hybrid Fund
Kotak Debt Hybrid Fund
Growth Launch Date 2 Dec 03 NAV (17 Jun 26) ₹59.1872 ↑ 0.07 (0.11 %) Net Assets (Cr) ₹2,902 on 30 Apr 26 Category Hybrid - Hybrid Debt AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.68 Sharpe Ratio -0.78 Information Ratio 0.4 Alpha Ratio -1.11 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 May 21 ₹10,000 31 May 22 ₹10,509 31 May 23 ₹11,584 31 May 24 ₹13,382 31 May 25 ₹14,658 31 May 26 ₹14,571 Returns for Kotak Debt Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jun 26 Duration Returns 1 Month 1.5% 3 Month 1.4% 6 Month 0% 1 Year 1.5% 3 Year 8.2% 5 Year 8% 10 Year 15 Year Since launch 8.2% 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 18.18 Yr. Shibani Kurian 3 Sep 24 1.74 Yr. Data below for Kotak Debt Hybrid Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Cash 29.47% Equity 22.34% Debt 47.62% Other 0.57% Equity Sector Allocation
Sector Value Financial Services 7.94% Consumer Cyclical 2.66% Health Care 1.97% Communication Services 1.61% Consumer Defensive 1.53% Technology 1.37% Industrials 1.36% Utility 1.27% Basic Materials 1.13% Energy 0.91% Real Estate 0.57% Debt Sector Allocation
Sector Value Government 28.38% Corporate 26% Cash Equivalent 22.7% Credit Quality
Rating Value A 0.02% AA 18.08% AAA 81.9% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -6% ₹187 Cr 20,730,000 Jtpm Metal TRaders Limited
Debentures | -4% ₹105 Cr 10,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -3% ₹73 Cr 75 SHIVSHAKTI SECURITISATION TRUST
Unlisted bonds | -3% ₹73 Cr 75 7.24% Govt Stock 2055
Sovereign Bonds | -2% ₹72 Cr 7,500,000 Karnataka (Government of) 0.0758%
- | -2% ₹59 Cr 6,000,000 National Housing Bank
Debentures | -2% ₹57 Cr 6,000 Karnataka (Government of) 0.0719%
- | -2% ₹49 Cr 5,000,000 Karnataka (Government of) 0.0756%
- | -2% ₹49 Cr 4,958,400 6.87% Andhra Sgs 2033
Sovereign Bonds | -2% ₹48 Cr 5,000,000
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