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Debt funds are generally more stable than equity funds, aiming for steadier, lower returns. They suit shorter time horizons and more conservative investors looking to preserve capital while earning reasonable returns.
Common Types of Debt Funds are
Overnight Fund
Liquid Fund
Ultra Short Duration Fund
Low Duration Fund
Money Market Fund
Short Duration Fund
Medium Duration Fund
Medium to Long Duration Fund
Long Duration Fund
Dynamic Bond Fund
Corporate Bond Fund
Credit Risk Fund
Banking & PSU Fund
Gilt Fund
Floater Fund
Mutual Fund Calculator — Debt Funds
Estimate your investment outcome in Debt Funds across different investment styles.
SIP Calculator
Estimate the future value of a monthly SIP.
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Note: Illustrative estimate. Mutual Fund investments are subject to market risk.
Illustrative estimates assuming a constant annual return. Actual mutual fund returns fluctuate and are not guaranteed.
How Debt Funds Are Taxed (FY 2025-26 / 2026-27)
| Debt Funds — Capital Gains Tax | |
|---|---|
| Bought before 1 Apr 2023 | 20% LTCG with indexation if held >36 months, otherwise slab rate |
| Bought on/after 1 Apr 2023 | Taxed at your slab rate regardless of holding period — no LTCG/STCG distinction, no indexation |
Excludes applicable surcharge and 4% Health & Education Cess. Tax laws change with each Union Budget — always confirm current rates with a tax advisor.
Note: Fynmate is not a SEBI Registered Investment Adviser (RIA). We may act as a mutual fund distributor. This page is general educational content about fund categories, not personalised investment advice. Mutual Fund investments are subject to market risk — please read all scheme-related documents carefully before investing.