Franklin India Short term Income Plan - Retail Plan - Segrd PF 2(10.90% Vodafone Idea Ltd 02Sep2023 GR)
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Franklin India Short term Income Plan - Institutional Plan - Segrd PF 2(10.90% Vodafone Idea 02Sep2023-Growth)
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Franklin India Short Term Income Plan - Retail Plan - Growth
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Franklin India Short Term Income Plan - Institutional Plan - Growth
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Taurus Short Term Income Fund - Fixed Maturity Plan - I I - Fixed Maturity Plan - I I
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Taurus Short Term Income Fund - Fixed Maturity Plan - I - Fixed Maturity Plan - I
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Edelweiss Short Term Fund - Segregated Asset - Growth
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SUNDARAM SHORT TERM DEBT FUND - REGULAR PLAN - PRINCIPAL UNITS
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SUNDARAM SHORT TERM DEBT FUND - REGULAR PLAN - GROWTH
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Canara Robeco Short Term Fund - Institutional Plan - Growth
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A Short-Term Debt Fund is a category of debt mutual fund that primarily invests in fixed-income instruments, such as corporate bonds, government securities, commercial papers, and certificates of deposit, with shorter maturity periods. These funds generally maintain a Macaulay duration of between 1 and 3 years, making them less sensitive to interest rate changes compared to medium- or long-duration debt funds.
These funds aim to provide steady and predictable returns with lower volatility, which makes them a popular alternative to fixed deposits or savings accounts for conservative investors seeking slightly higher returns without taking excessive risks.
Short-term Debt Funds are suitable for investors with an investment horizon of 1 to 3 years who seek capital preservation, moderate returns, and minimal interest rate risk. These funds appeal especially to those who:
These funds are also helpful as part of a diversified debt strategy, helping to balance longer-duration or riskier debt funds in a portfolio.
Short-term Debt Funds are low- to moderate-risk investment vehicles. Because of their shorter average maturity, they carry limited interest rate risk, making them more stable during rate hike cycles. However, they can be exposed to credit risk, depending on the instruments selected by the fund manager.
Typical returns range from 6% to 7.5% annually, influenced by market conditions, credit quality, and interest rate trends. These funds offer good liquidity and lower volatility than long-term funds. This makes them a good choice for conservative investors.
From a tax view, profits on units held for under three years are short-term capital gains. The tax depends on the investor's income slab. If you have an asset for more than 3 years, the tax authorities tax long-term capital gains at 20%. This includes indexation, which helps maintain your post-tax gains at a higher level.
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