Debt Funds Beat Equity Funds: Top 5 debt mutual funds that have performed better than top mid cap, small cap funds
Equity Fund Beater Debt Funds: Amid the poor performance of mid and small cap stocks, equity large, mid, and cap mutual funds have taken a beating in the last 1 year. While most have negative systematic investment plan (SIP) returns. They trail debt mutual funds by miles. Debt funds are in the driver's seat!
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10:06 AM IST
Equity Fund Beater Debt Funds: Debt funds beating equity funds! It sounds weird because investors keen on growth want to keep top performing equity funds in their portfolio to make the most of a rising market. But at a time when the market has gone through sharp fluctuations in the year gone by, equity funds are sufferers. To the extent that debt funds have beaten top mid and small cap funds by miles in terms of SIP return in 1 year. Debt funds, on the other hand, have banked on recent rate cuts from the Reserve Bank of India (RBI).
Here, we take you through the top 5 debt mutual funds and top mid and small cap mutual fund each that have given the highest SIP return in 1 year.
For debt funds, we are taking money market funds, which have a maturity period of 6 to 12 months.
Tata Money Market Fund Direct-Growth
The fund has given 8.71 per cent annualised SIP return in the 1-year time frame.
It has assets under management (AUM) of Rs 26,844 crore, while its net asset value (NAV) as on April 16, 2025, was Rs 4,744.3.
Benchmarked against CRISIL Money Market A-I Index, the fund has given 6.76 per cent annualised return since its inception in January 2013.
At an expense ratio of 0.16 per cent, the fund has Rs 500 as the minimum SIP investment and Rs 5,000 as the minimum lump sum investment.
A Rs 10,000 monthly SIP investment in 1 year, or a total investment of Rs 1,20,000, has converted into Rs 1,26,534.
Franklin India Money Market Fund Direct-Growth
The fund has given 8.68 per cent annualised SIP return in 1 year.
It has AUM of Rs 2,547 crore, while its NAV as on April 16, 2025, was Rs 51.13.
Benchmarked against NIFTY Money Market Index A-I, the fund has given 7.52 per cent annualised return since its debut in January 2013.
With an expense ratio of 0.14 per cent, the fund has Rs 500 as the minimum SIP investment and Rs 10,000 as the minimum lump sum investment.
A Rs 10,000 monthly SIP investment in the 1-year period has grown to Rs 1,25,514.
Mirae Asset Money Market Fund Direct - Growth
The fund has given 8.64 per cent annualised SIP return in the 1-year period.
It has an asset base of Rs 6,340 crore, while its unit price as on April 16, 2025, was Rs 1,260.09.
Benchmarked against NIFTY Money Market Index A-I, the fund has given 6.47 per cent annualised return since its launch in August 2021.
At an expense ratio of 0.09 per cent, the fund has Rs 1,000 as the minimum SIP investment and Rs 5,000 as the minimum lump sum investment.
A Rs 10,000 monthly SIP investment in the 1-year time frame has jumped to Rs 1,25,490.
Axis Money Market Fund Direct-Growth
The fund has given 8.63 per cent annualised SIP return in the 1-year time frame.
It has a fund size of Rs 14,611 crore, while its unit price as on April 16, 2025, was Rs 1,424.27.
Benchmarked against NIFTY Money Market Index A-I, the fund has given 6.37 per cent annualised return since its beginning in July 2019.
With an expense ratio of 0.16 per cent, the fund has Rs 1,000 as the minimum SIP investment and Rs 5,000 as the minimum lump sum investment.
A Rs 10,000 monthly SIP investment in 1 year has swelled to Rs 1,25,483.
Nippon India Money Market Fund Direct-Growth
The fund has given 8.59 per cent annualised SIP return in 1 year.
Its AUM is Rs 15,230 crore, while its NAV as on April 16, 2025, was Rs 4,146.54.
Benchmarked against NIFTY Money Market Index A-I, the fund has given 7.36 per cent annualised return since its starting in January 2013.
At an expense ratio of 0.25 per cent, the fund has Rs 500 as the minimum SIP investment and Rs 1,000 as the minimum lump sum investment.
A Rs 10,000 monthly SIP investment in the 1-year period has grown to Rs 1,25,459.
Top mid cap SIP mutual fund in 1 year
Invesco India Mid Cap Fund Direct-Growth
The fund has given 0.40 per cent annualised SIP return in the 3-year period.
It has AUM of Rs 5,779 crore, while its NAV as on April 16, 2025, was Rs 184.01.
Benchmarked against BSE 150 MidCap TRI, the fund has given 20.97 per cent annualised return since its inception in January 2013.
With an expense ratio of 0.65 per cent, the fund has Rs 500 as the minimum SIP investment and Rs 1,000 as the minimum lump sum investment.
A Rs 10,000 monthly SIP investment in the 1-year time frame has moved to Rs 1,20,258.
Top small cap SIP mutual fund in 1 year
Motilal Oswal Small Cap Fund Direct - Growth
The fund has given -0.26 per cent annualised SIP return in the 3-year time frame.
It has a fund size of Rs 4,167 crore, while its NAV as on April 16, 2025, was Rs 12.84.
Benchmarked against NIFTY Large Midcap 250 TRI, the fund has given 20.36 per cent annualised return since its launch in December 2023.
At an expense ratio of 0.41 per cent, the fund has Rs 500 as the minimum SIP investment and Rs 1,000 as the minimum lump sum investment.
A Rs 10,000 monthly SIP investment in 1 year in it has slipped into Rs 1,20,694.
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