JM Financial Debt Mutual Funds

JM Financial Debt Mutual Fund is a type of mutual fund offered by JM Financial Asset Management, a subsidiary of JM Financial Limited. These funds invest primarily in fixed-income securities such as bonds, government securities, and other debt instruments.

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Best Mutual Funds 2024

Result Showing 1-25 of 60 Mutual Funds

    Mutual Fund Schemes
    Category
    Nav
    5Y Returns
    AUM
    (in Cr.)
    Compare
    debt
    39.79Feb 23, 2024
    6%
    ₹42

    Add to Compare

    debt
    39.40Feb 23, 2024
    6%
    ₹42

    Add to Compare

    debt
    39.54Feb 23, 2024
    6%
    ₹42

    Add to Compare

    debt
    39.75Feb 23, 2024
    6%
    ₹42

    Add to Compare

    debt
    40.06Feb 23, 2024
    6%
    ₹42

    Add to Compare

    debt
    10.55Feb 23, 2024
    6%
    ₹42

    Add to Compare

    debt
    10.10Feb 23, 2024
    6%
    ₹42

    Add to Compare

    debt
    37.61Feb 23, 2024
    6%
    ₹42

    Add to Compare

    debt
    37.40Feb 23, 2024
    6%
    ₹42

    Add to Compare

    debt
    37.29Feb 23, 2024
    6%
    ₹42

    Add to Compare

    debt
    37.58Feb 23, 2024
    5%
    ₹42

    Add to Compare

    debt
    37.30Feb 23, 2024
    5%
    ₹42

    Add to Compare

    debt
    20.64Feb 23, 2024
    5%
    ₹181

    Add to Compare

    debt
    20.64Feb 23, 2024
    5%
    ₹181

    Add to Compare

    debt
    10.85Feb 23, 2024
    5%
    ₹181

    Add to Compare

    debt
    11.46Feb 23, 2024
    5%
    ₹181

    Add to Compare

    JM Liquid Fund - Growth
    • Risk
    • Low to Moderate

    debt
    64.91Feb 23, 2024
    5%
    ₹1,623

    Add to Compare

    JM Liquid Fund - Bonus
    • Risk
    • Low to Moderate

    debt
    20.78Feb 23, 2024
    5%
    ₹1,623

    Add to Compare

    debt
    36.74Feb 23, 2024
    5%
    ₹1,623

    Add to Compare

    debt
    10.14Feb 23, 2024
    5%
    ₹42

    Add to Compare

    debt
    37.31Feb 23, 2024
    5%
    ₹1,623

    Add to Compare

    debt
    10.54Feb 23, 2024
    5%
    ₹42

    Add to Compare

    debt
    34.28Feb 23, 2024
    5%
    ₹181

    Add to Compare

    JM Low Duration Fund - Growth
    • Risk
    • Low to Moderate

    debt
    33.55Feb 23, 2024
    5%
    ₹181

    Add to Compare

    debt
    20.21Feb 23, 2024
    5%
    ₹181

    Add to Compare

    Result Showing 1-25 of 60 Mutual Funds

    Investment Objective

    The primary investment objective of JM Financial Debt Mutual Funds is to generate income through investments in fixed-income securities such as bonds, government securities, and other debt instruments. These funds aim to provide regular income through interest payments on their bonds and securities. Debt funds generally invest in bonds with high credit ratings and relatively short maturities, which helps to minimise credit risk and interest rate risk. Some debt funds may focus on specific types of debt securities, such as government bonds, corporate bonds, or high-yield bonds.

    Risks Involved in JM Financial Debt Mutual Funds

    The risk involved in a JM Financial Debt mutual fund is relatively lower than counterpart funds such as an equity mutual fund or a balanced fund. Although investors will have to expect a lower threshold of returns, they still can rely on the security the fund offers. With JM Financial, the expert panel of fund managers engage in market analysis, providing a safer deal for the funds. However, JM Financial Debt Mutual Funds, like all debt mutual funds, are subject to interest rate, credit risk, and liquidity risk.

    Return Potential of JM Financial Debt Mutual Funds

    The return potential of JM Financial debt mutual funds can vary depending on the specific fund and the current market conditions. In general, debt mutual funds have the potential to provide regular income through interest payments on the securities they hold. Nevertheless, the return on these funds is typically lower than that of equity funds, as the credit risk is lower. The returns of debt funds are generally less volatile than equity funds and are less affected by market fluctuations. However, the returns of debt funds are also affected by interest rate changes, as the value of the bonds held in the portfolio will change when interest rates change.

    Who Should Invest in JM Financial Debt Mutual Funds

    Debt Mutual Funds are ideally suited for investors who wish to allocate their wealth quickly with a relatively lower risk appetite. JM Financial debt mutual funds may be suitable for investors seeking regular income and comfortable with moderate-to-high credit risk. These funds typically invest in fixed-income securities such as bonds and debentures issued by companies and governments. Investors must consider their investment goals, risk tolerance, and time horizon before investing in any mutual fund. It is also recommended to consult with a financial advisor or professional before making any investment decisions.

    Things To Consider Before Investing in JM Financial Debt Mutual Funds

    Before investing in JM Financial Debt Mutual Funds, investors should consider their aim with the investments, evaluate the risk and return factor and portfolio of the JM Financial Debt mutual funds, and assess the fund manager’s experience and track record. Other than that, investors are also advised to check the credit risk involved. This is mainly because debt funds are allocated in fixed-income securities like bonds and debentures that carry a fair amount of risk. 

    Moreover, review the fund's offering document, consult with a financial advisor, and consider your investment objectives, risk tolerance, and overall financial situation before making any investment decisions.

    Tax on JM Financial Debt Mutual Funds 

    For investments in JM Financial Debt Mutual Funds, Interest income earned on debt funds is added to an individual's taxable income. Short-term capital gains (STCG) on debt funds, if held for less than 36 months, are added to your taxable income and taxed as per the slab rate of the investor. While Long-term capital gains (LTCG) on debt funds, if held for more than 36 months, are taxed at 20% after indexation benefit. Dividends earned on debt mutual funds are also taxed in the hands of the investor.

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    Frequently Asked Questions (FAQs)

    How is JM Financial Debt Mutual Fund doing?

    urrently, JM Financial Tax Gain Direct Plan-Growth is at INR 31.7990 NAV with a positive 16.28% CAGR return. On the other hand, JM Tax Gain Direct Plan-IDCW is at INR 31.0150 with a positive CAGR return of 16.28%.

    Is JM Financial Debt Mutual Fund Safe?

    M Financial ELSS mutual funds heavily depend on the underlying stocks in the funds are invested. It is, however, considered a safe investment option with moderate to high-risk factors.

    Is it beneficial to invest in debt funds?

    Investing in an equity mutual fund is a proven way to create exceptional long-term returns. Although there are risks associated with the funds, they still can be a prudent investment option for investors with an appetite for moderate to high risk.
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