PGIM India Debt Mutual Fund

PGIM India Debt Mutual Funds invest in debt and money market instruments such as treasury bills, government securities, etc. These funds aim at providing investors with regular income and safety of capital over the short to medium term. They are ideal for conservative investors with an investment horizon of around 5 years.

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Best Mutual Funds 2024

Result Showing 1-25 of 80 Mutual Funds

    Mutual Fund Schemes
    Category
    Nav
    5Y Returns
    AUM
    (in Cr.)
    Compare
    debt
    16.54Feb 20, 2024
    13%
    ₹108

    Add to Compare

    debt
    2649.35Feb 20, 2024
    8%
    ₹120

    Add to Compare

    debt
    29.21Feb 20, 2024
    8%
    ₹123

    Add to Compare

    debt
    22.34Sep 29, 2023
    7%
    ₹45

    Add to Compare

    debt
    42.80Feb 20, 2024
    7%
    ₹108

    Add to Compare

    debt
    32.21Feb 20, 2024
    7%
    ₹297

    Add to Compare

    debt
    1200.64Feb 20, 2024
    7%
    ₹120

    Add to Compare

    debt
    14.70Feb 20, 2024
    7%
    ₹123

    Add to Compare

    debt
    21.31Sep 29, 2023
    7%
    ₹45

    Add to Compare

    debt
    31.08Feb 20, 2024
    7%
    ₹297

    Add to Compare

    debt
    15.05Feb 20, 2024
    7%
    ₹108

    Add to Compare

    debt
    13.07Feb 20, 2024
    7%
    ₹108

    Add to Compare

    debt
    12.29Feb 20, 2024
    7%
    ₹297

    Add to Compare

    debt
    27.36Feb 20, 2024
    7%
    ₹123

    Add to Compare

    debt
    2373.12Feb 20, 2024
    6%
    ₹120

    Add to Compare

    debt
    13.42Feb 20, 2024
    6%
    ₹297

    Add to Compare

    debt
    10.49Sep 29, 2023
    6%
    ₹45

    Add to Compare

    debt
    10.27Feb 20, 2024
    6%
    ₹297

    Add to Compare

    debt
    10.02Feb 20, 2024
    6%
    ₹297

    Add to Compare

    debt
    14.00Feb 20, 2024
    6%
    ₹123

    Add to Compare

    debt
    38.79Feb 20, 2024
    6%
    ₹108

    Add to Compare

    debt
    12.98Feb 20, 2024
    6%
    ₹108

    Add to Compare

    debt
    1089.79Feb 20, 2024
    6%
    ₹120

    Add to Compare

    debt
    11.52Feb 20, 2024
    6%
    ₹108

    Add to Compare

    debt
    10.08Feb 20, 2024
    6%
    ₹297

    Add to Compare

    Result Showing 1-25 of 80 Mutual Funds

    Investment Objective

    When it comes to PGIM India Debt Mutual Funds, investors focus mostly on generating short- to medium-term income. Since debt funds are invested in debt and money market instruments, the funds have different risk profiles and maturity durations depending on the instruments they invest in.

    The fund invests in securities with maturity of up to one year, such as commercial papers, treasury bills, certificates of deposits, etc. This means the fund has a relatively low-interest rate and moderate credit risk.

    Risks Involved in PGIM India Debt Mutual Fund

    PGIM India Debt Mutual Fund Risk can be faired as low to moderately high relatively compared to equity funds. The fund value may go up or down as and when the price of underlying debt security changes. The price of debt securities might be affected by the level of interest rates, government policies, tax laws, and other economic developments. Some of the risks involved in PGIM India Debt Mutual Funds are credit, interest rate, and liquid risk.

    Return Potential of PGIM India Debt Mutual Fund

    The return potential of PGIM India Debt Mutual Fund depends on the type of fund, the credit rating and duration of the debt securities, and the market conditions. Historically, these funds have been known to deliver average returns of around 7%-10% over a period of say 5 years. However, there is no assurance or guarantee that the objectives of any scheme will be achieved.

    Some of the funds and their returns are:

    Fund Name Returns
    PGIM India Liquid Fund Delivered an annualised return of 6.2% over a period of 10 years and 3.4% in the last 1 year.
    PGIM India Money Market Fund Delivered an annualised return of 7.4% over a period of 10 years and 3.8% in the last 1 year.
    PGIM India Corporate Bond Fund Delivered an annualised return of 8.6% over 10 years and 5.9% over the last 1 year.
    PGIM India Banking & PSU Debt Fund Delivered an annualised return of 7.4% over a period of 10 years and 3.7% in the last 1 year

    Who Should Invest in PGIM India Debt Mutual Fund?

    PGIM India Debt Mutual Fund suits investors looking for stable income and high liquidity with low to moderately high market risk. Investors who want to diversify their portfolio across different asset classes and benefit from the interest rate movements can also invest in these funds. However, investors should be aware of the credit, interest rate, and liquidity risks involved in these funds and choose the fund that matches their risk appetite and time horizon. Investors should also consult their investment or tax advisors before investing in these funds.

    Things To Consider Before Investing in PGIM India Debt Mutual Fund

    Choosing the right investment scheme is essential for creating maximum returns. However, investors must consider factors or prerequisites that come into play in determining the right best PGIM India Debt Mutual Fund product. Here are some things to consider before investing in PGIM India Debt Mutual Fund.

    • Your investment objective: You should clearly understand why you are investing in these funds and what you expect from them. You should also have a realistic expectation of the returns and risks involved in these funds.
    • Your risk profile: You should assess your risk tolerance and capacity and choose the fund that suits your risk profile. You should also be comfortable with the volatility and fluctuations in the NAV of these funds.
    • Your investment horizon: You should have a long-term perspective while investing in these funds and avoid frequent churning or switching. You should also align your investment horizon with the maturity duration of the fund to avoid interest rate risk.
    • Your tax status: You should know the tax implications of investing in these funds and choose the fund that optimises your post-tax returns. You should also factor in the indexation benefit and capital gains tax applicable to these funds.

    Tax on PGIM India Debt Mutual Fund

    The tax on PGIM India Debt Mutual Fund depends on the type of fund and the holding period of the investment. Generally, debt funds are taxed as follows:

    Scenario Tax Implication
    If redeemed within 3 years Short-term capital gain tax will be applicable as per the tax slab.
    If redeemed after 3 years Long-term capital gain tax will be applied as per the tax slab.

    The current tax rate is the lower of (a) 10% of profit or (b) 20% of profit adjusted after indexation benefits. Indexation is a method of adjusting the investment's purchase price with inflation to reduce the taxable gain. Any cess/surcharge is not included.

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    Frequently Asked Questions

    How is PGIM India Debt Mutual Fund doing?

    The PGIM India debt mutual fund has been performing well and investors are guarented healthy returns. However, It is advised that investors must partake in due deligent research and read all fund related documents carefully before investing.

    Is PGIM India Debt Mutual Fund Safe?

    Debt Mutual Funds are generally considered less risky than equity funds because they invest in fixed income-generating securities such as Treasury Bills, Government Securities, short-term or long-term corporate bonds, money market instruments, floating-rate debt, and other debt securities of different time horizons.

    Is it good to invest in Debt Mutual Fund?

    They carry lower risks than equity funds. However, it’s important to note that Debt Funds can carry credit and inflation risks
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