Are there any debt index funds in India?


A subscriber to our YouTube channel writes, “Do we’ve got any debt fund like benchmark Nifty 50 Index fund for 7-10 years interval. I simply need to observe just one fund. After all, the foremost chunk is EPF, PPF, and ESOP. That is to construct slowly in debt area for a future 25% allocation”.

“I simplified my fairness portfolio to Nifty 50 with ICICI Pru N50 Index Fund for retirement with 25-30% allocation for the previous 3-4 years to keep away from FM threat, ER & straightforward upkeep—tremendous easy & no headache. I’m 49, already near my FIRE. However nonetheless working within the company world to maintain me busy for 4-5 years.”

Studying that you’ve got simplified your fairness portfolio with index funds is unbelievable. There are two sorts of debt-based passive funds in India. (1) Goal Maturity Funds, which might purchase and maintain an index portfolio and maintain it till maturity, thereby lowering rate of interest threat on the time of withdrawal. The credit score threat in funds can be comparatively low as they sometimes put money into gilts and state improvement loans. For extra info, confer with FAQ: Goal Maturity Debt Mutual Funds.

(2) There are additionally open-ended passive money owed. Most of them are ETFs, and to our information, there is just one open-ended index fund – the lately launched Edelweiss Brief Length Index Fund. That is their checklist as of 17h Feb 2023.

Listing of debt index funds in India (open-ended)

  1. Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Brief Length Index Fund
  2. ICICI Pru Nifty 10 yr Benchmark G-Sec ETF
  3. ICICI Pru Nifty 5 yr Benchmark G-SEC ETF
  4. ICICI Pru S&P BSE Liquid Price ETF
  5. Kotak Nifty 1D Price Liquid ETF
  6. LIC MF Nifty 8-13 yr G-Sec ETF
  7. Motilal Oswal Nifty 5 12 months Benchmark G-Sec ETF
  8. Nippon India ETF Nifty 1D Price Liquid BeES
  9. Nippon India ETF Nifty 5 yr Benchmark G-Sec
  10. Nippon India ETF Nifty 8-13 yr G-Sec Lengthy Time period Gilt
  11. SBI Nifty 10 yr Benchmark G-Sec ETF

We aren’t positive why you need to put money into a passive debt fund for under 7-10 years. If that is a part of your retirement portfolio, the funding can proceed even after retirement.

In case you are planning for a aim aside from retirement that’s 7-10 years away and need a passive debt fund possibility, you may take into account a goal maturity fund that matures just a little earlier than your aim deadline.

In case you are on the lookout for a passive debt fund for retirement that you would be able to maintain on to in the course of the withdrawal stage, then Edelweiss CRISIL IBX 50:50 Gilt Plus SDL Brief Length Index Fund could also be thought-about. Learn our fund assessment and admire the professionals and cons earlier than investing.

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