+91-22-48913909Debt Mutual Funds for Your Lump Sum Investment
Usually, when someone wants to invest in Mutual Funds, they are confused if they should take a SIP route or a lump sum. Let’s make it simple for you! Investors who are planning to invest in debt funds should ideally choose a one-time payment mode, that is a lump sum mode of investment. It is always wise to invest for a shorter duration with easy liquidity.
Why Lump Sum for Debt Mutual Fund Investment?
For a lump sum investment, debt funds are a better option as compared to Equity Mutual Funds. A lump sum route reduces the risk of change in interest rate as well as gives a better return in comparison to fixed deposits (FDs). Ideally, when you invest in debt funds taking a lump sum route, it solves two issues- one is tax benefits and other is re-investment risk.
During the rising interest rates, it is a good time to take a lump sum route in debt oriented funds with a Portfolio of high-quality Bonds. These funds are usually suitable for people who have idle savings and want to invest for optimal returns. Any number of lump sum payments can be made in a Mutual Fund.
A lump sum investment works well as compared to a systematic Investment plan- only if invested during the market slump or at lower valuations. However, lump sum Investing may not work if one is overinvesting when the market valuations are stretched or when the markets correct sharply in the early phase of your investment.
How to Invest in Debt Funds: Make an Evaluation
Fund Returns- A food should have a good track record. Go for a fund house that has a strong history of delivering consistent performance. Check the fund’s past 1, 3 and 5 year return and if it is able to beat its benchmark or not.
Match Time Horizons- Debt funds offer diverse choices of investment with its respective maturity period. Investors need to decide investment based on their maturity period, while they can also compare with other debt fund instruments and select the one that suits the best for their plan. For example, if you are looking at the time frame of one-year Investment plan then, a short term debt fund can ideally suit.
Expense Ratio- An important factor to be considered in debt funds is its expense ratio. A higher expense ratio creates a larger impact on the funds' performance. For example, Liquid Funds have the lowest expense ratios which are up to 50 bps (BPS is a unit to measure interest rates wherein one bps is equal to 1/100th of 1%) Whereas, other debt funds could charge up to 150 bps. So to make a choice between one debt mutual fund, it is important to consider the management fee or the fund running expense.
Fund Selection Methodology used to find 6 funds
Top 10 Best Lump Sum Debt Mutual Funds 2026 - 2027
Below are the top ranked funds from Debt Categories primarily funds having AUM > 2000 Crore & are in Ultra-short, Corporate bond, Credit Risk, Low Duration sub categories.
Fund NAV Net Assets (Cr) Min Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Savings Fund Growth ₹581.545
↑ 0.20 ₹19,985 1,000 1.7 3 6.2 7.2 7.4 7.45% 5M 26D 7M 2D Aditya Birla Sun Life Corporate Bond Fund Growth ₹118.122
↑ 0.04 ₹25,168 1,000 1.4 2.2 4.4 7.1 7.4 7.64% 4Y 1M 17D 7Y HDFC Corporate Bond Fund Growth ₹34.0263
↑ 0.01 ₹31,611 5,000 1.4 2.1 4.3 7.1 7.3 7.65% 4Y 2M 23D 7Y 4M 10D SBI Credit Risk Fund Growth ₹48.6494
↑ 0.00 ₹2,134 5,000 2.1 3.6 6.7 7.6 7.9 8.72% 1Y 7M 24D 2Y 7D HDFC Credit Risk Debt Fund Growth ₹25.5746
↑ 0.01 ₹7,522 5,000 1.8 3.1 6.4 7.4 8 8.59% 2Y 3M 29D 3Y 8M 26D ICICI Prudential Savings Fund Growth ₹577.228
↑ 0.29 ₹27,700 500 1.6 2.9 6.2 7.5 7.7 7.57% 10M 28D 1Y 3M 18D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 Jun 26 Research Highlights & Commentary of 6 Funds showcased
Commentary Aditya Birla Sun Life Savings Fund Aditya Birla Sun Life Corporate Bond Fund HDFC Corporate Bond Fund SBI Credit Risk Fund HDFC Credit Risk Debt Fund ICICI Prudential Savings Fund Point 1 Lower mid AUM (₹19,985 Cr). Upper mid AUM (₹25,168 Cr). Highest AUM (₹31,611 Cr). Bottom quartile AUM (₹2,134 Cr). Bottom quartile AUM (₹7,522 Cr). Upper mid AUM (₹27,700 Cr). Point 2 Established history (23+ yrs). Oldest track record among peers (29 yrs). Established history (15+ yrs). Established history (21+ yrs). Established history (12+ yrs). Established history (23+ yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 5★ (upper mid). Rating: 4★ (lower mid). Rating: 4★ (bottom quartile). Rating: 4★ (bottom quartile). Point 4 Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Point 5 1Y return: 6.23% (upper mid). 1Y return: 4.40% (bottom quartile). 1Y return: 4.31% (bottom quartile). 1Y return: 6.67% (top quartile). 1Y return: 6.42% (upper mid). 1Y return: 6.20% (lower mid). Point 6 1M return: 0.67% (bottom quartile). 1M return: 1.41% (upper mid). 1M return: 1.46% (top quartile). 1M return: 1.29% (upper mid). 1M return: 1.11% (lower mid). 1M return: 0.81% (bottom quartile). Point 7 Sharpe: 1.75 (top quartile). Sharpe: -0.87 (bottom quartile). Sharpe: -0.90 (bottom quartile). Sharpe: 0.60 (upper mid). Sharpe: 0.39 (lower mid). Sharpe: 1.35 (upper mid). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 7.45% (bottom quartile). Yield to maturity (debt): 7.64% (lower mid). Yield to maturity (debt): 7.65% (upper mid). Yield to maturity (debt): 8.72% (top quartile). Yield to maturity (debt): 8.59% (upper mid). Yield to maturity (debt): 7.57% (bottom quartile). Point 10 Modified duration: 0.49 yrs (top quartile). Modified duration: 4.13 yrs (bottom quartile). Modified duration: 4.23 yrs (bottom quartile). Modified duration: 1.65 yrs (upper mid). Modified duration: 2.33 yrs (lower mid). Modified duration: 0.91 yrs (upper mid). Aditya Birla Sun Life Savings Fund
Aditya Birla Sun Life Corporate Bond Fund
HDFC Corporate Bond Fund
SBI Credit Risk Fund
HDFC Credit Risk Debt Fund
ICICI Prudential Savings Fund
The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents. Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life Short Term Fund) An Open-ended income scheme with the objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities. Research Highlights for Aditya Birla Sun Life Corporate Bond Fund Below is the key information for Aditya Birla Sun Life Corporate Bond Fund Returns up to 1 year are on (Erstwhile HDFC Medium Term Opportunities Fund) To generate regular income through investments in Debt/
Money Market Instruments and Government Securities with
maturities not exceeding 60 months. Research Highlights for HDFC Corporate Bond Fund Below is the key information for HDFC Corporate Bond Fund Returns up to 1 year are on (Erstwhile SBI Corporate Bond Fund) The investment objective will be to actively manage a portfolio of good
quality corporate debt as well as Money Market Instruments so as to provide
reasonable returns and liquidity to the Unit holders. However there is no
guarantee or assurance that the investment objective of the scheme will
be achieved. Research Highlights for SBI Credit Risk Fund Below is the key information for SBI Credit Risk Fund Returns up to 1 year are on (Erstwhile HDFC Corporate Debt Opportunities Fund) To generate regular income and capital appreciation by investing predominantly in corporate debt. Research Highlights for HDFC Credit Risk Debt Fund Below is the key information for HDFC Credit Risk Debt Fund Returns up to 1 year are on (Erstwhile ICICI Prudential Flexible Income Plan) To generate income through investments in a range of debt instruments and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity. Research Highlights for ICICI Prudential Savings Fund Below is the key information for ICICI Prudential Savings Fund Returns up to 1 year are on 1. Aditya Birla Sun Life Savings Fund
Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (16 Jun 26) ₹581.545 ↑ 0.20 (0.03 %) Net Assets (Cr) ₹19,985 on 30 Apr 26 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.55 Sharpe Ratio 1.75 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.45% Effective Maturity 7 Months 2 Days Modified Duration 5 Months 26 Days Growth of 10,000 investment over the years.
Date Value Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Jun 26 Duration Returns 1 Month 0.7% 3 Month 1.7% 6 Month 3% 1 Year 6.2% 3 Year 7.2% 5 Year 6.4% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 7.9% 2022 7.2% 2021 4.8% 2020 3.9% 2019 7% 2018 8.5% 2017 7.6% 2016 7.2% 2015 9.2% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Data below for Aditya Birla Sun Life Savings Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 2. Aditya Birla Sun Life Corporate Bond Fund
Aditya Birla Sun Life Corporate Bond Fund
Growth Launch Date 3 Mar 97 NAV (16 Jun 26) ₹118.122 ↑ 0.04 (0.03 %) Net Assets (Cr) ₹25,168 on 30 Apr 26 Category Debt - Corporate Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.52 Sharpe Ratio -0.87 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.64% Effective Maturity 7 Years Modified Duration 4 Years 1 Month 17 Days Growth of 10,000 investment over the years.
Date Value Returns for Aditya Birla Sun Life Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Jun 26 Duration Returns 1 Month 1.4% 3 Month 1.4% 6 Month 2.2% 1 Year 4.4% 3 Year 7.1% 5 Year 6.2% 10 Year 15 Year Since launch 8.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 8.5% 2022 7.3% 2021 4.1% 2020 4% 2019 11.9% 2018 9.6% 2017 7% 2016 6.5% 2015 10.2% Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund
Name Since Tenure Data below for Aditya Birla Sun Life Corporate Bond Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 3. HDFC Corporate Bond Fund
HDFC Corporate Bond Fund
Growth Launch Date 29 Jun 10 NAV (16 Jun 26) ₹34.0263 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹31,611 on 30 Apr 26 Category Debt - Corporate Bond AMC HDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.6 Sharpe Ratio -0.9 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load NIL Yield to Maturity 7.65% Effective Maturity 7 Years 4 Months 10 Days Modified Duration 4 Years 2 Months 23 Days Growth of 10,000 investment over the years.
Date Value Returns for HDFC Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Jun 26 Duration Returns 1 Month 1.5% 3 Month 1.4% 6 Month 2.1% 1 Year 4.3% 3 Year 7.1% 5 Year 6.1% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.3% 2023 8.6% 2022 7.2% 2021 3.3% 2020 3.9% 2019 11.8% 2018 10.3% 2017 6.5% 2016 6.5% 2015 10.6% Fund Manager information for HDFC Corporate Bond Fund
Name Since Tenure Data below for HDFC Corporate Bond Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 4. SBI Credit Risk Fund
SBI Credit Risk Fund
Growth Launch Date 19 Jul 04 NAV (16 Jun 26) ₹48.6494 ↑ 0.00 (0.00 %) Net Assets (Cr) ₹2,134 on 30 Apr 26 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 0.6 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL) Yield to Maturity 8.72% Effective Maturity 2 Years 7 Days Modified Duration 1 Year 7 Months 24 Days Growth of 10,000 investment over the years.
Date Value Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Jun 26 Duration Returns 1 Month 1.3% 3 Month 2.1% 6 Month 3.6% 1 Year 6.7% 3 Year 7.6% 5 Year 6.9% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.9% 2023 8.1% 2022 8.3% 2021 4.2% 2020 5% 2019 9.8% 2018 6.5% 2017 6.2% 2016 6.9% 2015 10.5% Fund Manager information for SBI Credit Risk Fund
Name Since Tenure Data below for SBI Credit Risk Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 5. HDFC Credit Risk Debt Fund
HDFC Credit Risk Debt Fund
Growth Launch Date 25 Mar 14 NAV (16 Jun 26) ₹25.5746 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹7,522 on 30 Apr 26 Category Debt - Credit Risk AMC HDFC Asset Management Company Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.51 Sharpe Ratio 0.39 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 300 Exit Load 0-12 Months (1%),12-18 Months (0.5%),18 Months and above(NIL) Yield to Maturity 8.59% Effective Maturity 3 Years 8 Months 26 Days Modified Duration 2 Years 3 Months 29 Days Growth of 10,000 investment over the years.
Date Value Returns for HDFC Credit Risk Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Jun 26 Duration Returns 1 Month 1.1% 3 Month 1.8% 6 Month 3.1% 1 Year 6.4% 3 Year 7.4% 5 Year 6.5% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2024 8% 2023 8.2% 2022 6.6% 2021 3.7% 2020 7% 2019 10.9% 2018 8.6% 2017 5.4% 2016 6.6% 2015 11% Fund Manager information for HDFC Credit Risk Debt Fund
Name Since Tenure Data below for HDFC Credit Risk Debt Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 6. ICICI Prudential Savings Fund
ICICI Prudential Savings Fund
Growth Launch Date 27 Sep 02 NAV (16 Jun 26) ₹577.228 ↑ 0.29 (0.05 %) Net Assets (Cr) ₹27,700 on 30 Apr 26 Category Debt - Low Duration AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆☆ Risk Moderately Low Expense Ratio 0.53 Sharpe Ratio 1.35 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.57% Effective Maturity 1 Year 3 Months 18 Days Modified Duration 10 Months 28 Days Growth of 10,000 investment over the years.
Date Value Returns for ICICI Prudential Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Jun 26 Duration Returns 1 Month 0.8% 3 Month 1.6% 6 Month 2.9% 1 Year 6.2% 3 Year 7.5% 5 Year 6.5% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 8% 2022 7.6% 2021 4.5% 2020 3.8% 2019 8.6% 2018 8.8% 2017 7.3% 2016 7.1% 2015 9.1% Fund Manager information for ICICI Prudential Savings Fund
Name Since Tenure Data below for ICICI Prudential Savings Fund as on 30 Apr 26
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity
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Research Highlights for Aditya Birla Sun Life Savings Fund