+91-22-48913909Top Monthly Income Plan Rated by FINCASH for 2025 - 2026
Monthly Income Plan is a combination of equity and debt instruments. About more than 65% is being invested in interest yielding Debt fund like the certificate of deposits, Debentures, corporate Bonds, government securities, etc. And the remaining portion of the Monthly Income Plan is invested in equity instruments like stocks or shares.
Monthly Income Plans are managed in a way that the fixed-income portion aims to generate a regular revenue while the equity portion gives the kicker. MIPs are an ideal option for individuals who are looking for steady income. Also, investors who are risk-averse, MIPs are a good stepping stone to Investing in equities, with a limited equity exposure. Following are the best Monthly Income Plans to invest in.
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Top Rated Monthly Income Plan
Fund NAV Net Assets (Cr) Rating 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Information Ratio 5 YR (%) Exit Load Aditya Birla Sun Life Regular Savings Fund Growth ₹67.1227
↑ 0.13 ₹1,524 ☆☆☆☆☆ 1.2 6.7 6.8 8.9 10.5 7.08% 4Y 3M 11D 6Y 10M 28D -0.1 10.8 0-365 Days (1%),365 Days and above(NIL) SBI Debt Hybrid Fund Growth ₹72.8093
↑ 0.06 ₹9,799 ☆☆☆☆☆ 1 6.8 4.6 9.9 11 7.24% 3Y 10M 20D 5Y 5M 19D 0 10.9 0-1 Years (1%),1 Years and above(NIL) ICICI Prudential MIP 25 Growth ₹76.3274
↑ 0.16 ₹3,237 ☆☆☆☆☆ 1.8 7.2 6.5 10.1 11.4 7.23% 2Y 1M 17D 4Y 3M 4D 0 9.8 0-1 Years (1%),1 Years and above(NIL) Sundaram Debt Oriented Hybrid Fund Growth ₹29.3023
↑ 0.08 ₹21 ☆☆☆☆ -1.3 3.6 2.6 7 8 6.36% 6Y 4M 2D 12Y 8M 23D -1.4 8.1 NIL UTI Regular Savings Fund Growth ₹69.0949
↑ 0.16 ₹1,707 ☆☆☆☆ -0.3 5.6 4.2 9.5 11.6 6.76% 5Y 7M 24D 7Y 9M 11D 0 10.5 NIL BOI AXA Conservative Hybrid Fund Growth ₹34.1774
↑ 0.12 ₹68 ☆☆☆☆ 0.3 6 2.6 7.3 7 6.48% 2Y 9M 4D 3Y 5M 19D -0.82 11 0-1 Years (1%),1 Years and above(NIL) Kotak Debt Hybrid Fund Growth ₹57.8787
↑ 0.19 ₹3,130 ☆☆☆☆ -1.2 5.1 2.3 9.8 11.4 7.08% 8Y 6M 21Y 7M 28D 0.66 10.4 0-1 Years (1%),1 Years and above(NIL) Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Sep 25 Note: Ratio's shown as on 31 Jul 25 Research Highlights & Commentary of 7 Funds showcased
Commentary Aditya Birla Sun Life Regular Savings Fund SBI Debt Hybrid Fund ICICI Prudential MIP 25 Sundaram Debt Oriented Hybrid Fund UTI Regular Savings Fund BOI AXA Conservative Hybrid Fund Kotak Debt Hybrid Fund Point 1 Lower mid AUM (₹1,524 Cr). Highest AUM (₹9,799 Cr). Upper mid AUM (₹3,237 Cr). Bottom quartile AUM (₹21 Cr). Lower mid AUM (₹1,707 Cr). Bottom quartile AUM (₹68 Cr). Upper mid AUM (₹3,130 Cr). Point 2 Established history (21+ yrs). Oldest track record among peers (24 yrs). Established history (21+ yrs). Established history (15+ yrs). Established history (21+ yrs). Established history (16+ yrs). Established history (21+ yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 5★ (upper mid). Rating: 4★ (lower mid). Rating: 4★ (lower mid). Rating: 4★ (bottom quartile). 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. Risk profile: Moderate. Risk profile: Moderate. Point 5 5Y return: 10.84% (upper mid). 5Y return: 10.94% (upper mid). 5Y return: 9.84% (bottom quartile). 5Y return: 8.10% (bottom quartile). 5Y return: 10.53% (lower mid). 5Y return: 11.01% (top quartile). 5Y return: 10.44% (lower mid). Point 6 3Y return: 8.92% (lower mid). 3Y return: 9.90% (upper mid). 3Y return: 10.09% (top quartile). 3Y return: 6.97% (bottom quartile). 3Y return: 9.50% (lower mid). 3Y return: 7.32% (bottom quartile). 3Y return: 9.77% (upper mid). Point 7 1Y return: 6.82% (top quartile). 1Y return: 4.56% (upper mid). 1Y return: 6.52% (upper mid). 1Y return: 2.57% (lower mid). 1Y return: 4.15% (lower mid). 1Y return: 2.56% (bottom quartile). 1Y return: 2.28% (bottom quartile). Point 8 1M return: 0.10% (lower mid). 1M return: 0.28% (upper mid). 1M return: 0.70% (top quartile). 1M return: -0.82% (bottom quartile). 1M return: -0.38% (lower mid). 1M return: 0.33% (upper mid). 1M return: -0.76% (bottom quartile). Point 9 Alpha: 0.75 (top quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (upper mid). Alpha: -2.66 (bottom quartile). Alpha: 0.00 (lower mid). Alpha: -4.16 (bottom quartile). Alpha: -2.38 (lower mid). Point 10 Sharpe: 0.38 (top quartile). Sharpe: -0.23 (lower mid). Sharpe: 0.25 (upper mid). Sharpe: -0.44 (bottom quartile). Sharpe: -0.04 (upper mid). Sharpe: -0.73 (bottom quartile). Sharpe: -0.24 (lower mid). Aditya Birla Sun Life Regular Savings Fund
SBI Debt Hybrid Fund
ICICI Prudential MIP 25
Sundaram Debt Oriented Hybrid Fund
UTI Regular Savings Fund
BOI AXA Conservative Hybrid Fund
Kotak Debt Hybrid Fund
Why Are These Top Performers?
Fincash has employed the following parameters for shortlisting the top performing funds:
Past Returns: Return analysis of last 3 years.
Parameters & Weights: Information ratio with some modifications for our ratings and rankings.
Qualitative & Quantitative Analysis: Quantitative measures like Average Maturity, Credit Quality, Expense Ratio, Sharpe Ratio, Sortino Ratio, Alpa, including fund age and the size of the fund has been considered. Qualitative analysis like the reputation of the fund along with the fund manager is one of the important parameters that you would see in the listed funds.
Asset Size: The minimum AUM criteria for debt Mutual Funds are INR 100 Crores with some exceptions at times for new funds that are doing well in the Market.
Performance with Respect to Benchmark: Peer average.
Smart Tips to Invest in Monthly Income Plan
Some of the important tips to consider while investing in monthly income plan are:
Investment Tenure: Investors planning to invest in monthly income plan should stay invested for minimum three years.
Invest via a SIP: SIP or Systematic Investment plan is the most efficient way to invest in a Mutual Fund. They not only provide a systematic way of investing, but also ensures regular investment growth. You can invest in a SIP with an amount as low as INR 500.
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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