Motilal Oswal Debt Mutual Fund

Motilal Oswal Debt Fund is a mutual fund scheme offered by Motilal Oswal Asset Management Company. It invests predominantly in fixed-income securities such as corporate bonds, government securities, and money market instruments. The fund aims to provide regular income and capital appreciation to investors with low to moderate risk appetite.

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Best Mutual Funds 2024

Result Showing 1-25 of 33 Mutual Funds

    Mutual Fund Schemes
    Category
    Nav
    5Y Returns
    AUM
    (in Cr.)
    Compare
    debt
    11.51Feb 27, 2024
    5%
    ₹165

    Add to Compare

    debt
    11.35Feb 27, 2024
    5%
    ₹165

    Add to Compare

    debt
    11.32Feb 27, 2024
    5%
    ₹165

    Add to Compare

    debt
    11.30Feb 27, 2024
    5%
    ₹165

    Add to Compare

    debt
    16.00Feb 27, 2024
    5%
    ₹165

    Add to Compare

    debt
    11.30Feb 27, 2024
    5%
    ₹165

    Add to Compare

    debt
    12.75Feb 27, 2024
    5%
    ₹505

    Add to Compare

    debt
    10.01Feb 27, 2024
    5%
    ₹505

    Add to Compare

    debt
    12.65Feb 27, 2024
    5%
    ₹505

    Add to Compare

    debt
    11.10Feb 27, 2024
    4%
    ₹165

    Add to Compare

    debt
    10.01Feb 27, 2024
    4%
    ₹505

    Add to Compare

    debt
    11.08Feb 27, 2024
    4%
    ₹165

    Add to Compare

    debt
    11.08Feb 27, 2024
    4%
    ₹165

    Add to Compare

    debt
    15.25Feb 27, 2024
    4%
    ₹165

    Add to Compare

    debt
    11.08Feb 27, 2024
    4%
    ₹165

    Add to Compare

    debt
    10.04Feb 27, 2024
    4%
    ₹505

    Add to Compare

    debt
    10.01Feb 27, 2024
    4%
    ₹505

    Add to Compare

    debt
    10.12Feb 27, 2024
    4%
    ₹505

    Add to Compare

    debt
    10.04Feb 27, 2024
    4%
    ₹505

    Add to Compare

    debt
    10.02Feb 27, 2024
    4%
    ₹505

    Add to Compare

    debt
    11.24Feb 27, 2024
    4%
    ₹165

    Add to Compare

    debt
    54.59Feb 27, 2024
    0%
    ₹62

    Add to Compare

    debt
    12.39Feb 27, 2024
    0%
    ₹505

    Add to Compare

    debt
    10.01Feb 27, 2024
    0%
    ₹505

    Add to Compare

    debt
    10.12Feb 27, 2024
    0%
    ₹505

    Add to Compare

    Result Showing 1-25 of 33 Mutual Funds

    Investment Objective of Motilal Oswal Debt Fund

    The primary investment objective of Motilal Oswal Debt Fund is to generate regular income for investors through investments in a portfolio of fixed-income securities such as government securities, corporate bonds, and other money market instruments. Additionally, the fund aims to provide capital preservation and liquidity by investing in high-quality debt instruments that have a low to moderate credit risk.

    The fund's investment strategy is to maintain a diversified portfolio of debt securities while keeping the interest rate and credit risk under control. However, it's important to note that the fund's investment objective doesn't guarantee returns and is subject to market risks.

    Risk Involved in Motilal Oswal Debt Fund

    Like all investments, Motilal Oswal Debt Fund carries certain risks that investors should be aware of. One of the primary risks is the credit risk associated with the underlying debt securities. If the credit rating of the security in the portfolio is downgraded or the issuer defaults, it can result in a loss for the fund and its investors. Interest rate risk is another significant risk that arises due to changes in market interest rates.

    A rise in interest rates can cause the price of debt securities to fall, leading to a loss in the fund's value. The fund's liquidity risk is also worth considering, as it may affect the ability of the fund manager to buy or sell securities quickly, leading to a lower return for investors. The fund is subject to market risks beyond the fund manager's control. The risk involved also depends on the average maturity and duration of the debt securities in the portfolio.

    Return Potential in Motilal Oswal Debt Fund

    Motilal Oswal Debt Fund has the potential to yield higher returns than traditional fixed-income investments, with an average return between 7%-10% over a five-year period. However, it is essential to note that returns are not guaranteed, and the fund performance may vary depending on market conditions and other factors.

    The returns generated are directly proportional to an investor's risk appetite. Low-rated funds like Credit Risk Funds offer higher returns to compensate for the higher risks involved. In comparison, high-rated funds like Corporate Bond Funds offer relatively lower returns due to the lower risks involved. Similarly, longer-duration funds like Gilt funds generate higher returns than short-duration funds.

    Who Should Invest in Motilal Oswal Debt Fund?

    Motilal Oswal Debt Fund benefits investors seeking a relatively stable investment option with regular income and capital appreciation over a medium-term horizon of around five years. Conservative investors who prefer fixed-income investments and want to avoid the volatility of equity investments may find debt funds a suitable option.

    The fund may also help in diversifying an equity-oriented portfolio by providing stability. Those who seek high liquidity from their investments may consider liquid funds. The dividend availability in Motilal Oswal Debt Fund can supplement the overall income of investors. Investors who fall under a higher tax bracket may find debt funds to be a more tax-efficient scheme.

    Things to Consider Before Investing in Motilal Oswal Debt Fund

    • Determine your investment objective and risk tolerance before investing in Motilal Oswal Debt Fund.
    • Analyse the fund's portfolio duration, average maturity, and credit rating to understand the level of risk involved.
    • Consider the fund's past performance and compare it with its benchmark and peers.
    • Understand the fund's investment strategy and the fund manager's expertise.
    • Check the fund's expense ratio and other charges like exit load and transaction costs.
    • Consider the tax implications of investing in debt funds and compare them with other fixed-income investments.
    • Keep track of your investment and monitor the fund's performance regularly.

    Tax on Motilal Oswal Debt Fund

    The long-term capital gains tax on Motilal Oswal Debt Fund is applicable after three years of investment. The capital gains tax rate is 20% with an indexation benefit, which considers the inflation during the holding period and adjusts the acquisition cost. Short-term capital gains tax is applicable if the investment is redeemed before three years and is taxed as per the investor's income tax slab rate.

    Additionally, a dividend distribution tax is applicable on the dividend received by the investor at the rate of 25%. However, the dividend received is tax-free in the hands of the investor. It is recommended to consult with a tax advisor to understand the tax implications of investing in debt funds.

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    FAQs

    How is Motilal Oswal Debt Fund doing?

    The performance of Motilal Oswal Debt Fund varies from time to time and depends on the market conditions, credit ratings, and duration of the fund. Checking the latest updates on the fund's performance before investing is recommended.

    Is Motilal Oswal Debt Fund Safe?

    Debt funds, in general, are considered safer than equity funds. However, it is crucial to understand that there is still some risk involved in debt funds, as the fund's value may fluctuate depending on market conditions and other factors. It is recommended to consult with a financial advisor and carefully evaluate the fund's investment objective, portfolio, and past performance before making investment decisions.

    Is it good to invest in debt funds?

    Debt funds can be a good investment option for those looking for regular income and lower than equity funds. Debt funds invest in fixed-income securities like bonds and government securities, which offer a fixed rate of return. However, it is essential to note that some level of risk is still involved in debt funds, and investors should evaluate their risk tolerance and investment objectives before investing.
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