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5 Best Performing Intermediate Debt Funds SIP Investment 2025

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Best Intermediate Debt Funds for SIP Investment 2025

Updated on May 16, 2025 , 1676 views

Intermediate Bonds also known as medium term funds are a type of debt Mutual Funds that invest in debt securities with a time horizon of up to 3 years or more. The average maturity period of mid-term funds is longer than liquid, ultra-short and short-term Debt fund. In recent times, medium funds have delivered the best returns due to successive rate cuts in India. These funds are less sensitive to interest rates, and therefore are less volatile, than the longer duration funds like Gilt Funds. For best results, investors are advised to invest in the best intermediate debt funds via a SIP. Investors can choose top performing scheme from the below pre-listed top rated mid-term debt funds.

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SIP

Top 5 Best Performing Intermediate or Mid Term Debt Funds to Invest in SIP

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
Aditya Birla Sun Life Medium Term Plan Growth ₹39.683
↑ 0.02
₹2,206 1,000 3.57.814.714.813.710.5
Axis Strategic Bond Fund Growth ₹27.9547
↑ 0.01
₹1,899 1,000 3.65.610.18.27.48.7
Nippon India Strategic Debt Fund Growth ₹15.463
↑ 0.01
₹99 100 3.55.49.97.58.18.3
Kotak Dynamic Bond Fund Growth ₹37.7793
↓ -0.02
₹2,826 1,000 4.45.7118.26.79.3
Kotak Medium Term Fund Growth ₹22.6777
↑ 0.01
₹1,766 1,000 3.55.110.27.77.29
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 May 25

1. Aditya Birla Sun Life Medium Term Plan

The primary investment objective of the Scheme is to generate regular income through investments in debt & money market instruments in order to make regular dividend payments to unit holders & secondary objective is growth of capital.

Aditya Birla Sun Life Medium Term Plan is a Debt - Medium term Bond fund was launched on 25 Mar 09. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.9% since its launch.  Ranked 6 in Medium term Bond category.  Return for 2024 was 10.5% , 2023 was 6.9% and 2022 was 24.8% .

Below is the key information for Aditya Birla Sun Life Medium Term Plan

Aditya Birla Sun Life Medium Term Plan
Growth
Launch Date 25 Mar 09
NAV (19 May 25) ₹39.683 ↑ 0.02   (0.06 %)
Net Assets (Cr) ₹2,206 on 31 Mar 25
Category Debt - Medium term Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 1.55
Sharpe Ratio 2.48
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load 0-365 Days (1%),365 Days and above(NIL)
Yield to Maturity 7.89%
Effective Maturity 4 Years 10 Months 24 Days
Modified Duration 3 Years 7 Months 17 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹11,757
30 Apr 22₹12,748
30 Apr 23₹15,615
30 Apr 24₹16,612
30 Apr 25₹19,032

Aditya Birla Sun Life Medium Term Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹221,713.
Net Profit of ₹41,713
Invest Now

Returns for Aditya Birla Sun Life Medium Term Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25

DurationReturns
1 Month 1.1%
3 Month 3.5%
6 Month 7.8%
1 Year 14.7%
3 Year 14.8%
5 Year 13.7%
10 Year
15 Year
Since launch 8.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 10.5%
2023 6.9%
2022 24.8%
2021 7.1%
2020 8.1%
2019 -4.4%
2018 5.6%
2017 7%
2016 10.9%
2015 9.5%
Fund Manager information for Aditya Birla Sun Life Medium Term Plan
NameSinceTenure
Sunaina Cunha1 Sep 1410.67 Yr.
Mohit Sharma6 Aug 204.74 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash4.63%
Equity4.35%
Debt90.78%
Other0.24%
Debt Sector Allocation
SectorValue
Corporate57.77%
Government33.01%
Cash Equivalent4.63%
Credit Quality
RatingValue
A2.36%
AA39.52%
AAA55.71%
BBB2.42%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.18% Govt Stock 2033
Sovereign Bonds | -
15%₹346 Cr33,000,000
↓ -8,000,000
7.1% Govt Stock 2034
Sovereign Bonds | -
6%₹133 Cr12,696,700
Small Industries Development Bank Of India
Debentures | -
4%₹102 Cr10,000
↑ 10,000
Nuvama Wealth Finance Ltd
Debentures | -
4%₹95 Cr9,500
↑ 9,500
National Bank For Financing Infrastructure And Development
Debentures | -
3%₹72 Cr7,000
360 One Prime Ltd. 9.4%
Debentures | -
3%₹65 Cr6,500
SK Finance Limited
Debentures | -
3%₹65 Cr6,500
Narayana Hrudayalaya Limited
Debentures | -
3%₹61 Cr6,000
JSW Energy Ltd 8.75%
Debentures | -
3%₹61 Cr6,000
Vedanta Limited
Debentures | -
3%₹60 Cr6,000

2. Axis Strategic Bond Fund

(Erstwhile Axis Income Fund)

To generate optimal returns in the medium term while maintaining liquidity of the portfolio by investing in debt and money market instruments.

Axis Strategic Bond Fund is a Debt - Medium term Bond fund was launched on 28 Mar 12. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.1% since its launch.  Ranked 7 in Medium term Bond category.  Return for 2024 was 8.7% , 2023 was 7.3% and 2022 was 3.8% .

Below is the key information for Axis Strategic Bond Fund

Axis Strategic Bond Fund
Growth
Launch Date 28 Mar 12
NAV (19 May 25) ₹27.9547 ↑ 0.01   (0.05 %)
Net Assets (Cr) ₹1,899 on 31 Mar 25
Category Debt - Medium term Bond
AMC Axis Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 1.06
Sharpe Ratio 1.61
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity 8.03%
Effective Maturity 5 Years 1 Month 20 Days
Modified Duration 3 Years 5 Months 5 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,976
30 Apr 22₹11,459
30 Apr 23₹12,153
30 Apr 24₹12,993
30 Apr 25₹14,309

Axis Strategic Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for Axis Strategic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25

DurationReturns
1 Month 1.1%
3 Month 3.6%
6 Month 5.6%
1 Year 10.1%
3 Year 8.2%
5 Year 7.4%
10 Year
15 Year
Since launch 8.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.7%
2023 7.3%
2022 3.8%
2021 5.2%
2020 10.5%
2019 7.1%
2018 6.7%
2017 7.5%
2016 11.6%
2015 6.8%
Fund Manager information for Axis Strategic Bond Fund
NameSinceTenure
Devang Shah5 Nov 1212.49 Yr.
Sachin Jain1 Feb 232.24 Yr.
Akhil Thakker1 Feb 232.24 Yr.

Data below for Axis Strategic Bond Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash3.77%
Equity0.35%
Debt95.6%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate55.24%
Government40.35%
Cash Equivalent3.77%
Credit Quality
RatingValue
A10.85%
AA42.45%
AAA46.7%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
17%₹327 Cr31,200,000
↑ 4,100,000
6.79% Govt Stock 2034
Sovereign Bonds | -
9%₹175 Cr17,031,900
↑ 16,500,000
7.58% LIC Housing Finance Limited (23/03/2035)
Debentures | -
3%₹61 Cr6,000
Nirma Limited
Debentures | -
3%₹61 Cr6,000
Vedanta Limited
Debentures | -
3%₹60 Cr6,000
Nuvama Wealth Finance Limited 9.75%
Debentures | -
3%₹58 Cr5,800
DLF Cyber City Developers Ltd. 8.4%
Debentures | -
3%₹56 Cr5,500
Aadhar Housing Finance Ltd. 8.65%
Debentures | -
3%₹53 Cr5,200
7.48% National Bank For Agriculture And Rural Development
Debentures | -
3%₹51 Cr5,000
Mahanagar Telephone Nigam Limited
Debentures | -
3%₹50 Cr5,000

3. Nippon India Strategic Debt Fund

(Erstwhile Reliance Classic Bond Fund)

To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity. The scheme would focus its investments predominantly in corporate bonds of various maturities and across ratings for the purpose of achieving regular income and capital appreciation.

Nippon India Strategic Debt Fund is a Debt - Medium term Bond fund was launched on 26 Jun 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 4.1% since its launch.  Ranked 7 in Medium term Bond category.  Return for 2024 was 8.3% , 2023 was 7% and 2022 was 2% .

Below is the key information for Nippon India Strategic Debt Fund

Nippon India Strategic Debt Fund
Growth
Launch Date 26 Jun 14
NAV (19 May 25) ₹15.463 ↑ 0.01   (0.06 %)
Net Assets (Cr) ₹99 on 31 Mar 25
Category Debt - Medium term Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderate
Expense Ratio 1.92
Sharpe Ratio 1.68
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-12 Months (1%),12 Months and above(NIL)
Yield to Maturity 8.03%
Effective Maturity 4 Years 9 Months 29 Days
Modified Duration 3 Years 5 Months 5 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,360
30 Apr 22₹12,096
30 Apr 23₹12,694
30 Apr 24₹13,464
30 Apr 25₹14,802

Nippon India Strategic Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148
Invest Now

Returns for Nippon India Strategic Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25

DurationReturns
1 Month 1%
3 Month 3.5%
6 Month 5.4%
1 Year 9.9%
3 Year 7.5%
5 Year 8.1%
10 Year
15 Year
Since launch 4.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.3%
2023 7%
2022 2%
2021 17.4%
2020 -23.5%
2019 -3.4%
2018 4.7%
2017 6.9%
2016 11.1%
2015 9%
Fund Manager information for Nippon India Strategic Debt Fund
NameSinceTenure
Kinjal Desai25 May 186.94 Yr.
Sushil Budhia1 Feb 205.25 Yr.
Akshay Sharma1 Dec 222.41 Yr.

Data below for Nippon India Strategic Debt Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash20.87%
Debt78.67%
Other0.46%
Debt Sector Allocation
SectorValue
Corporate45.11%
Government33.57%
Cash Equivalent20.87%
Credit Quality
RatingValue
AA60.99%
AAA39.01%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.18% Govt Stock 2037
Sovereign Bonds | -
26%₹27 Cr2,500,000
Century Textiles And Industries Limited
Debentures | -
5%₹5 Cr500
Truhome Finance Ltd. 9.25%
Debentures | -
5%₹5 Cr500
Godrej Industries Limited
Debentures | -
5%₹5 Cr500
Aadhar Housing Finance Limited
Debentures | -
5%₹5 Cr500
JSW Steel Limited
Debentures | -
5%₹5 Cr50
Delhi International Airport Limited
Debentures | -
4%₹4 Cr400
Indostar Capital Finance Limited
Debentures | -
4%₹4 Cr400
5.63% Govt Stock 2026
Sovereign Bonds | -
3%₹4 Cr351,700
Cholamandalam Investment And Finance Company Limited
Debentures | -
3%₹3 Cr300

4. Kotak Dynamic Bond Fund

(Erstwhile Kotak Flexi Debt Scheme)

To maximize returns through active management of a portfolio of debt and money market securities.

Kotak Dynamic Bond Fund is a Debt - Medium term Bond fund was launched on 26 May 08. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 8.2% since its launch.  Ranked 23 in Medium term Bond category.  Return for 2024 was 9.3% , 2023 was 6.5% and 2022 was 2.5% .

Below is the key information for Kotak Dynamic Bond Fund

Kotak Dynamic Bond Fund
Growth
Launch Date 26 May 08
NAV (19 May 25) ₹37.7793 ↓ -0.02   (-0.05 %)
Net Assets (Cr) ₹2,826 on 31 Mar 25
Category Debt - Medium term Bond
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 1.3
Sharpe Ratio 0.51
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.1%
Effective Maturity 19 Years 4 Months 6 Days
Modified Duration 8 Years 11 Months 16 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,854
30 Apr 22₹11,253
30 Apr 23₹11,785
30 Apr 24₹12,559
30 Apr 25₹13,990

Kotak Dynamic Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Kotak Dynamic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25

DurationReturns
1 Month 1.5%
3 Month 4.4%
6 Month 5.7%
1 Year 11%
3 Year 8.2%
5 Year 6.7%
10 Year
15 Year
Since launch 8.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 9.3%
2023 6.5%
2022 2.5%
2021 3.2%
2020 11.7%
2019 11.1%
2018 7.3%
2017 5.6%
2016 13.4%
2015 7.5%
Fund Manager information for Kotak Dynamic Bond Fund
NameSinceTenure
Deepak Agrawal25 Nov 1212.44 Yr.
Abhishek Bisen1 Nov 222.5 Yr.

Data below for Kotak Dynamic Bond Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash2.66%
Equity5.16%
Debt90.66%
Other1.53%
Debt Sector Allocation
SectorValue
Government72.66%
Corporate18%
Cash Equivalent2.66%
Credit Quality
RatingValue
AA9.89%
AAA90.11%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.3% Govt Stock 2053
Sovereign Bonds | -
45%₹1,262 Cr119,500,000
↓ -2,500,000
7.1% Govt Stock 2034
Sovereign Bonds | -
12%₹325 Cr31,109,620
7.18% Govt Stock 2033
Sovereign Bonds | -
8%₹231 Cr22,053,280
Muthoot Finance Limited
Debentures | -
5%₹153 Cr15,000
7.25% Govt Stock 2063
Sovereign Bonds | -
5%₹147 Cr14,000,000
HDFC Bank Limited
Debentures | -
3%₹87 Cr850
Embassy Office Parks REIT (Real Estate)
-, Since 31 May 21 | 542602
3%₹82 Cr2,209,204
TATA Steel Limited
Debentures | -
3%₹77 Cr750
HDFC Bank Limited
Debentures | -
3%₹72 Cr7,000
HDFC Bank Limited
Debentures | -
2%₹51 Cr500

5. Kotak Medium Term Fund

The investment objective of the scheme is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments. There is no assurance or guarantee that the investment objective of the scheme will be achieved

Kotak Medium Term Fund is a Debt - Medium term Bond fund was launched on 25 Mar 14. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.6% since its launch.  Ranked 10 in Medium term Bond category.  Return for 2024 was 9% , 2023 was 6.1% and 2022 was 3.2% .

Below is the key information for Kotak Medium Term Fund

Kotak Medium Term Fund
Growth
Launch Date 25 Mar 14
NAV (19 May 25) ₹22.6777 ↑ 0.01   (0.06 %)
Net Assets (Cr) ₹1,766 on 31 Mar 25
Category Debt - Medium term Bond
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderate
Expense Ratio 1.58
Sharpe Ratio 1.04
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-18 Months (2%),18 Months and above(NIL)
Yield to Maturity 8.18%
Effective Maturity 5 Years 2 Months 23 Days
Modified Duration 3 Years 6 Months 22 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹11,115
30 Apr 22₹11,666
30 Apr 23₹12,189
30 Apr 24₹13,023
30 Apr 25₹14,303

Kotak Medium Term Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for Kotak Medium Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 May 25

DurationReturns
1 Month 1.3%
3 Month 3.5%
6 Month 5.1%
1 Year 10.2%
3 Year 7.7%
5 Year 7.2%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 9%
2023 6.1%
2022 3.2%
2021 4.7%
2020 8.5%
2019 7%
2018 5.4%
2017 6.6%
2016 10.9%
2015 9.3%
Fund Manager information for Kotak Medium Term Fund
NameSinceTenure
Deepak Agrawal25 Mar 1411.11 Yr.
Sunit garg1 Nov 222.5 Yr.

Data below for Kotak Medium Term Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash2.42%
Equity5.61%
Debt90.42%
Other1.55%
Debt Sector Allocation
SectorValue
Corporate62.05%
Government28.01%
Cash Equivalent2.79%
Credit Quality
RatingValue
A10.34%
AA35.32%
AAA54.33%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
14%₹274 Cr26,250,021
7.18% Govt Stock 2033
Sovereign Bonds | -
9%₹182 Cr17,343,470
Bamboo Hotel And Global Centre (Delhi) Private Limited
Debentures | -
5%₹90 Cr9,000
TATA Steel Limited
Debentures | -
4%₹77 Cr750
Pipeline Infrastructure Private Limited
Debentures | -
3%₹65 Cr6,280
Aditya Birla Renewables Limited
Debentures | -
3%₹61 Cr6,000
SANSAR AUG 2024 V TRUST
Unlisted bonds | -
3%₹60 Cr600,000,000
Indostar Capital Finance Limited
Debentures | -
3%₹60 Cr6,000
Embassy Office Parks REIT (Real Estate)
-, Since 31 May 21 | 542602
3%₹56 Cr1,498,708
Century Textiles And Industries Limited
Debentures | -
3%₹56 Cr5,500

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