The Range of Debt Funds

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Based on their maturity, we classify debt funds into these types:

Liquid funds  - Up to 91 days:

Ultra-short-term funds  - From 91 days to 1 year (over past 12 months):
Short-term funds  - From 1 year to 4.5 years (over past 12 months):
Income funds  - over 4.5 years or those who's maturity vary widely:

Government Securities:  Besides these maturity-based classifications, there also exist a few other variations. One is that of funds which invest only in government securities. These securities, which are also called gilts, are bonds issued by the Government of India. Unlike bonds issued by companies, the chance of the Government defaulting on its loan obligation is significantly lower.

 

Fixed Maturity Plans: The funds described above are all open-ended funds. However, there are also closed-end debt funds that are quite popular and useful. These FMPs, as they are called, are launched on a specific date for a specific period that can range from 1 month to 5 years. Investors must enter them at the beginning and normally stay till the end. Thus, they mean lower liquidity. However, what investors give up in liquidity, they gain in a combination of predictably higher gains and lower risk that open-end debt funds cannot offer. FMPs are an excellent alternative to bank fixed deposits. They generally offer higher returns, especially because they are much more tax-efficient, because FMPs are taxed as capital gains while bank FDs are just added to the investors' normal income.

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Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C.

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These Application Forms can be used for buying regular mutual funds also

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