+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 ₹79.459
↓ -0.01 ₹3,302 100 4 1.7 4.7 9.2 7.9 8.56% 2Y 8M 19D 5Y 1M 10D SBI Debt Hybrid Fund Growth ₹76.5684
↓ -0.12 ₹9,793 500 4.9 2.7 4.9 8.9 6.7 8.21% 2Y 4M 24D 3Y 5M 26D DSP Regular Savings Fund Growth ₹61.1336
↑ 0.01 ₹179 500 4.3 1.5 3.7 8.9 7.2 0% 2Y 7M 28D Aditya Birla Sun Life Regular Savings Fund Growth ₹70.308
↓ -0.06 ₹1,475 500 4.1 2.1 4.6 8.5 7.1 8.32% 3Y 3M 5Y 29D UTI Regular Savings Fund Growth ₹71.16
↑ 0.01 ₹1,641 500 4.6 0.8 1.8 8.4 6.1 7.91% 5Y 3M 7D 10Y 14D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Jul 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 UTI Regular Savings Fund Point 1 Upper mid AUM (₹3,302 Cr). Highest AUM (₹9,793 Cr). Bottom quartile AUM (₹179 Cr). Bottom quartile AUM (₹1,475 Cr). Lower mid AUM (₹1,641 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: Moderately High. Point 5 5Y return: 8.64% (upper mid). 5Y return: 8.83% (top quartile). 5Y return: 7.37% (bottom quartile). 5Y return: 8.03% (bottom quartile). 5Y return: 8.19% (lower mid). Point 6 3Y return: 9.22% (top quartile). 3Y return: 8.93% (upper mid). 3Y return: 8.85% (lower mid). 3Y return: 8.51% (bottom quartile). 3Y return: 8.36% (bottom quartile). Point 7 1Y return: 4.74% (upper mid). 1Y return: 4.87% (top quartile). 1Y return: 3.70% (bottom quartile). 1Y return: 4.60% (lower mid). 1Y return: 1.83% (bottom quartile). Point 8 1M return: 2.08% (lower mid). 1M return: 1.70% (bottom quartile). 1M return: 1.97% (bottom quartile). 1M return: 2.15% (upper mid). 1M return: 2.72% (top quartile). Point 9 Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 0.35 (upper mid). Alpha: 1.62 (top quartile). Alpha: 0.00 (bottom quartile). Point 10 Sharpe: -0.46 (lower mid). Sharpe: -0.22 (top quartile). Sharpe: -0.72 (bottom quartile). Sharpe: -0.43 (upper mid). Sharpe: -1.02 (bottom quartile). ICICI Prudential MIP 25
SBI Debt Hybrid Fund
DSP Regular Savings Fund
Aditya Birla Sun Life Regular Savings Fund
UTI 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 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 UTI MIS Advantage Plan) The investment objective of the Scheme is to generate regular income through investments in fixed income securities and capital appreciation / dividend income through investment of a portion of net assets of the scheme in equity and equity related instruments so as to endeavour to make periodic income distribution to Unit holders. Income may be generated through Coupon payments, amortization of discount on debt instruments, receipt of dividends or the purchase and sale of securities in the underlying portfolio. Under normal market conditions investment will be made in fixed income securities, money market instruments,cash and cash equivalents while at the same time maintaining a limited exposure to equity markets. The Scheme will endeavor to enhance overall returns through appropriate investments upto a maximum of 25% of Net Assets into equity and equity related instruments. Research Highlights for UTI Regular Savings Fund Below is the key information for UTI 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 (07 Jul 26) ₹79.459 ↓ -0.01 (-0.02 %) Net Assets (Cr) ₹3,302 on 31 May 26 Category Hybrid - Hybrid Debt AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.67 Sharpe Ratio -0.46 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 Jun 21 ₹10,000 30 Jun 22 ₹10,516 30 Jun 23 ₹11,629 30 Jun 24 ₹13,240 30 Jun 25 ₹14,452 30 Jun 26 ₹15,057 Returns for ICICI Prudential MIP 25
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jul 26 Duration Returns 1 Month 2.1% 3 Month 4% 6 Month 1.7% 1 Year 4.7% 3 Year 9.2% 5 Year 8.6% 10 Year 15 Year Since launch 9.8% 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 12.79 Yr. Akhil Kakkar 22 Jan 24 2.44 Yr. Roshan Chutkey 2 May 22 4.17 Yr. Sharmila D’mello 31 Jul 22 3.92 Yr. Data below for ICICI Prudential MIP 25 as on 31 May 26
Asset Allocation
Asset Class Value Cash 6.36% Equity 24.28% Debt 69.07% Other 0.3% Equity Sector Allocation
Sector Value Financial Services 7.67% Consumer Cyclical 3.8% Communication Services 2.22% Consumer Defensive 2.2% Health Care 1.54% Real Estate 1.39% Technology 1.37% Basic Materials 1.36% Industrials 0.99% Utility 0.97% Energy 0.76% Debt Sector Allocation
Sector Value Corporate 48.21% Government 23.73% Cash Equivalent 3.48% Credit Quality
Rating Value A 8.37% AA 50.95% AAA 40.68% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -4% ₹137 Cr 15,000,000 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 6.48% Govt Stock 2035
Sovereign Bonds | -3% ₹87 Cr 8,964,700
↓ -2,500,000 Godrej Properties Limited
Debentures | -2% ₹76 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 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 (07 Jul 26) ₹76.5684 ↓ -0.12 (-0.16 %) Net Assets (Cr) ₹9,793 on 31 May 26 Category Hybrid - Hybrid Debt AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderate Expense Ratio 1.23 Sharpe Ratio -0.22 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 Jun 21 ₹10,000 30 Jun 22 ₹10,534 30 Jun 23 ₹11,857 30 Jun 24 ₹13,592 30 Jun 25 ₹14,585 30 Jun 26 ₹15,312 Returns for SBI Debt Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jul 26 Duration Returns 1 Month 1.7% 3 Month 4.9% 6 Month 2.7% 1 Year 4.9% 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 4.5 Yr. Mansi Sajeja 30 Jun 21 5.01 Yr. Data below for SBI Debt Hybrid Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 9.54% Equity 24.62% Debt 65.55% Other 0.29% Equity Sector Allocation
Sector Value Financial Services 6.56% Basic Materials 6.02% Industrials 3.61% Health Care 2.28% Consumer Defensive 2.17% Consumer Cyclical 2.13% Energy 1.2% Debt Sector Allocation
Sector Value Corporate 56.87% Government 14.52% Cash Equivalent 3.71% Credit Quality
Rating Value A 2.64% AA 44.84% AAA 52.52% Top Securities Holdings / Portfolio
Name Holding Value Quantity Aditya Birla Renewables Limited
Debentures | -3% ₹301 Cr 30,000 Infopark Properties Limited
Debentures | -3% ₹300 Cr 30,000 Adani Power Limited
Debentures | -3% ₹299 Cr 30,000 Jtpm Metal TRaders Limited
Debentures | -3% ₹293 Cr 27,500
↑ 2,500 Jsw Kalinga Steel Limited
Debentures | -3% ₹265 Cr 26,000 Bajaj Finance Limited
Debentures | -2% ₹250 Cr 25,000 State Government Of Tamil Nadu
Sovereign Bonds | -2% ₹243 Cr 25,000,000
↓ -5,000,000 LIC Housing Finance Ltd
Debentures | -2% ₹225 Cr 22,500 Cholamandalam Investment And Finance Company Limited
Debentures | -2% ₹204 Cr 20,000 Maharashtra (Government of) 7.35%
- | -2% ₹202 Cr 20,000,000
↑ 20,000,000 3. DSP Regular Savings Fund
DSP Regular Savings Fund
Growth Launch Date 11 Jun 04 NAV (07 Jul 26) ₹61.1336 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹179 on 31 May 26 Category Hybrid - Hybrid Debt AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Moderately High Expense Ratio 1.12 Sharpe Ratio -0.73 Information Ratio 0.81 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 30 Jun 21 ₹10,000 30 Jun 22 ₹10,024 30 Jun 23 ₹11,075 30 Jun 24 ₹12,558 30 Jun 25 ₹13,763 30 Jun 26 ₹14,227 Returns for DSP Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jul 26 Duration Returns 1 Month 2% 3 Month 4.3% 6 Month 1.5% 1 Year 3.7% 3 Year 8.9% 5 Year 7.4% 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 5.09 Yr. Shantanu Godambe 1 Aug 24 1.91 Yr. Data below for DSP Regular Savings Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 18.84% Equity 19.51% Debt 61.3% Other 0.35% Equity Sector Allocation
Sector Value Financial Services 9.07% Health Care 2.69% Consumer Cyclical 2.16% Basic Materials 1.36% Consumer Defensive 1.19% Energy 0.93% Utility 0.7% Communication Services 0.66% Technology 0.5% Industrials 0.25% Debt Sector Allocation
Sector Value Government 54.13% Corporate 20.46% Cash Equivalent 5.56% Credit Quality
Rating Value AA 9.6% AAA 90.4% 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% ₹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 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 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 (07 Jul 26) ₹70.308 ↓ -0.06 (-0.09 %) Net Assets (Cr) ₹1,475 on 31 May 26 Category Hybrid - Hybrid Debt AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.91 Sharpe Ratio -0.43 Information Ratio 0.54 Alpha Ratio 1.62 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 Jun 21 ₹10,000 30 Jun 22 ₹10,440 30 Jun 23 ₹11,545 30 Jun 24 ₹12,865 30 Jun 25 ₹14,078 30 Jun 26 ₹14,683 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 7 Jul 26 Duration Returns 1 Month 2.2% 3 Month 4.1% 6 Month 2.1% 1 Year 4.6% 3 Year 8.5% 5 Year 8% 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 1.67 Yr. Harshil Suvarnkar 22 Mar 21 5.28 Yr. Data below for Aditya Birla Sun Life Regular Savings Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 9.09% Equity 22.27% Debt 67.98% Other 0.66% Equity Sector Allocation
Sector Value Financial Services 7.61% Health Care 2.88% Consumer Cyclical 2.32% Basic Materials 2.06% Industrials 1.91% Communication Services 1.11% Technology 1.11% Utility 0.91% Consumer Defensive 0.9% Real Estate 0.81% Energy 0.66% Debt Sector Allocation
Sector Value Corporate 47.64% Government 23.07% Cash Equivalent 6.36% 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% ₹56 Cr 5,500 6.68% Govt Stock 2040
Sovereign Bonds | -4% ₹55 Cr 5,750,000
↑ 5,750,000 Muthoot Finance Limited
Debentures | -3% ₹50 Cr 500
↑ 50 Jtpm Metal TRaders Limited
Debentures | -3% ₹46 Cr 4,316 Adani Power Limited
Debentures | -2% ₹35 Cr 3,500 Nuvama Wealth Finance Limited
Debentures | -2% ₹30 Cr 3,000 6.9% Govt Stock 2065
Sovereign Bonds | -2% ₹30 Cr 3,275,400
↑ 2,000,000 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% ₹27 Cr 206,000 5. UTI Regular Savings Fund
UTI Regular Savings Fund
Growth Launch Date 16 Dec 03 NAV (07 Jul 26) ₹71.16 ↑ 0.01 (0.01 %) Net Assets (Cr) ₹1,641 on 31 May 26 Category Hybrid - Hybrid Debt AMC UTI Asset Management Company Ltd Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.81 Sharpe Ratio -1.02 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Jun 21 ₹10,000 30 Jun 22 ₹10,523 30 Jun 23 ₹11,717 30 Jun 24 ₹13,433 30 Jun 25 ₹14,586 30 Jun 26 ₹14,787 Returns for UTI Regular Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jul 26 Duration Returns 1 Month 2.7% 3 Month 4.6% 6 Month 0.8% 1 Year 1.8% 3 Year 8.4% 5 Year 8.2% 10 Year 15 Year Since launch 9.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 6.1% 2023 11.6% 2022 11.3% 2021 3.3% 2020 13.2% 2019 10.2% 2018 2.8% 2017 3.4% 2016 12.5% 2015 8.9% Fund Manager information for UTI Regular Savings Fund
Name Since Tenure Amit Premchandani 8 Jan 22 4.48 Yr. Jaydeep Bhowal 17 Apr 23 3.21 Yr. Data below for UTI Regular Savings Fund as on 31 May 26
Asset Allocation
Asset Class Value Cash 5.58% Equity 24.09% Debt 70.03% Other 0.3% Equity Sector Allocation
Sector Value Financial Services 8.11% Consumer Cyclical 3% Industrials 2.25% Health Care 2.16% Technology 1.89% Communication Services 1.72% Energy 1.43% Basic Materials 1.11% Real Estate 0.97% Consumer Defensive 0.77% Utility 0.68% Debt Sector Allocation
Sector Value Government 38.98% Corporate 33.91% Cash Equivalent 2.71% Credit Quality
Rating Value AA 5.68% AAA 94.32% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -5% ₹74 Cr 7,500 LIC Housing Finance Ltd
Debentures | -3% ₹50 Cr 5,000 HDFC Bank Limited
Debentures | -3% ₹49 Cr 5,000 West Bengal (Government of) 7.74%
- | -3% ₹49 Cr 500,000,000 Jio Credit Limited
Debentures | -3% ₹49 Cr 5,000 SIDDHIVINAYAK SECURITISATION TRUST
Unlisted bonds | -3% ₹49 Cr 50 Small Industries Development Bank Of India
Debentures | -3% ₹49 Cr 5,000
↑ 5,000 7.34% Govt Stock 2064
Sovereign Bonds | -3% ₹48 Cr 500,000,000 6.94% Govt Stock 2036
Sovereign Bonds | -2% ₹35 Cr 350,000,000
↑ 350,000,000 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 12 | HDFCBANK2% ₹34 Cr 451,000
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