Best 360 One Debt Mutual Funds - All Guide 2025
Knowing where to invest your hard-earned money so as to make a difference may turn out game changer, more so in 2025 when the financial markets are changing and newer financial instruments are gaining popularity. Out of the many mutual fund funds, 360 One Debt Mutual Funds have earned a reputation of being effective and stable investment avenues that the Indian investors would use to achieve a stable income with moderate risks. Providing you with an idea how these funds evoke interest, and why they are worth consideration as a type of wealth-building or capital protection, the following detailed presentation will guide you in making a sound decision and comprehending the essence of these funds.
What Are 360 One Debt Mutual Funds and Why Should You Invest?
Debt mutual funds refer to investment funds that combine your money to invest in fixed-income securities including government bonds, corporate debentures, commercial papers, and money market securities. The 360 One (formerly IIFL Wealth or 360 One AMC) platform has selected a portfolio of debt mutual funds to maximize returns at a relatively low market risk.
Why are 360 One Debt Funds worthy of attention by investors?
- Provide a security, liquidity, and fair returns balance.
- Appropriate in the case of a conservative investor or diversification of a portfolio.
- Efficiency in taxation over the usual fixed deposits.
- Portfolios which are professionally managed.
Who Needs to think about investing in 360 One Debt Mutual Funds?
- Salaried people having short to medium-term objectives.
- Retired investors seeking to collect regular income.
- Investors who are conservative and are unwilling to take high volatility.
- Companies that keep excess money in short term.
Did you know?
Most of the retail investors in 2025 will opt to place emergency corpus in debt funds because it will provide higher liquidity and returns than savings accounts.
What are the Best 360 One Debt Mutual Funds as of 2025?
In the open 360 One brand, there are numerous funds that are tailored to different investor profiles and risk. We shall discuss the most notable ones in 2025.
360 One Corporate Bond Fund
This fund is concentrated on high grade corporate bonds, and it aims at providing investors with a risk-adjusted yield by investing predominantly in AA+ and others rated corporate debt bonds.
Key Features or Highlights
- Portfolio placement mostly on AAA and AA+ rated corporate bonds.
- Medium balance between returns and interest rate sensitivity.
- Investor regular and growth options.
Pros and Cons
Pros
- Less risk as opposed to credit risk or income funds.
- Frequent coupons increases returns.
- It is appropriate to those investors with a need to earn predictable monthly income.
Cons
- During increasing interest rate periods, the returns may be low.
- There is still credit risk that is minor.
Performance Snapshot (2025 Data)
| Parameter | 360 One Corporate Bond Fund | Industry average |
|---|---|---|
| 1-Year Return | 8.2% | 7.4% |
| Adjusted Duration | 2.1 year | 2.4 year |
| Expense Ratio | 0.48% | 0.72% |
| Average Credit Quality | AA+ | AA |
360 One Liquid Fund
The 360 One liquid fund is a short term money fund, which best suits the need of stashing excess funds within the shortest timeline, between a day and up to 3 months.
Key Features or Highlights
- Invests in treasury bills, commercial papers and certificates of deposits.
- Low interest rate risk as a result of short maturity instruments.
- It has instant redemption facility of up to 50,000 per day, per investor.
Pros and Cons
Pros
- Extremely low risk
- A high level of liquidity to meet the emergency cash requirements.
- Adequate returns, superior to savings accounts.
Cons
- Unfit to develop long-term wealth.
- The returns are lower compared to other longer term debt funds.
Expert Insight
The liquid funds are still regarded as a safe haven during the market turmoil particularly among the Indian corporates.
Differentiating How Does 360 One Gilt Fund
This fund is a great match to an ultra-conservative investor as it invests in government securities, which have zero credit risk.
Key Features or Highlights
- 100 percent investment in sovereign debt.
- Duration management in order to maximize returns in the cycle of interest rates.
- Appealing in times of declining interest rate.
Pros and Cons
Pros
- Credit risk of zero, sovereign government bonds.
- Good returns in falling interest rate scenario.
- Good in diversified investment in debt portfolio.
Cons
- Vulgar to interest rate risk, NAV may be short-term volatile.
- Reduced yields in stable or increasing interest rates.
Did you know?
Risk-averse investors are also likely to use gilt funds as long as the RBI has put a pause and reduced the repo rate in 2023-2024, and the trend has been observed to be maintained in 2025 as well.
What Will Be the 360 One Debt Mutual Funds Taxation in 2025?
Taxation is important to understand in order to select an appropriate mutual fund. Union Budget in 2023 came with some major changes in taxation of debt mutual funds, and this will also affect your after-tax returns in 2025.
Key Highlights
- The profits are to be taxed at the slab rate of the investor should he invest after April 2023.
- Long-term holding is no longer indexed by benefit.
- Taxed on slab to the investor as dividends.
Tax Saving Investment Advice
- Think about having a holding period of less than 3 years, which is in line with short-term objectives.
- Use growth option in case you do not wish to be taxed on payouts frequently.
- When in upper tax bracket, investigate SIP in order to maximize average cost and minimize periodic withdrawals.
People Also Ask Q
Q: After new tax regulations, are debt mutual funds still superior to FDs?
A: Yes, when you are in the lower income tax bracket, it is possible that debt funds would have superior after-tax returns and liquidity than a number of bank deposits.
Performance of 360 One Debt Funds: How to assess and evaluate it
The performance of the fund and the quality of its portfolio is more important than its performance in the past. What should be sought when shortlisting best 360 One debt funds?
Important Fund Selection criteria
- Portfolio credit quality
- Stability of returns as compared to benchmarking.
- Expense ratio
- Duration management due to the outlook of the interest rates.
- Fund manager’s experience
Sample Comparison Table on the Performance
| Fund Name | 1 Yr Return | 3 yr CAGR | Avg Maturity | Credit Quality (2025) |
|---|---|---|---|---|
| 360 One Corporate Bond | 8.2% | 7.8% | 2.1 years | AA+ |
| 360 One Liquid | 6.1% | 5.7% | 0.18 years | A1+ |
| 360 One Gilt | 7.9% | 6.4% | 4.0 years | Sovereign |
Expert Insight
Instead of seeking the best annual returns, look at consistency, low volatility and portfolio transparency.
What Are the Risks in 360 One Debt Mutual Funds?
As much as debt funds are considered less risky, they are not free of risks. Knowing the risks behind the scene can enable you to establish attainable expectations and choose the appropriate scheme.
Main Risks Involved
- Risk of credit: default of a borrower.
- Interest rate risk: increase in rates also causes a decrease in NAV.
- Liquidity risk: during panic, fund might experience problems selling the assets in a short time.
- Reinvestment risk: returns can be poor doing it at lower rates.
People Also Ask
Q: Would it be safe to leave money in 360 One debt mutual funds, 2 years?
A: The liquid funds and corporate bonds of 360 One can be held reasonably safe during the period of 2 years, however, keep an eye on credit quality.
How to Invest 360 One Debt Mutual Funds?
In the event that you have chosen to invest in the debt schemes of 360 One, these are simple steps to make the process easy in the year 2025.
Sequential Investment Process
- Full KYC with PAN and Aadhaar.
- Go to official site of 360 One AMC or rely on reputable mutual funds sites.
- Select the fund and scheme option (growth or IDCW).
- Choose between lump sum or SIP (systematic investment plan).
- Look through scheme information and factsheet of review funds.
- Make investments online through Netbanking, UPI or compulsory bank transfer.
Documents Required
- PAN card
- Aadhaar card
- Bank mandate Cancelled cheque.
- Mobile number and email of e-KYC.
Did you know?
The debt schemes of 360 One can also be maintained in the Demat form hence easily tracked and redeemed by the mobile investors.
Comparison of 360 One Debt Funds and Peer Funds
The debt portfolio of 360 One is competitive with a strong fund management team and disciplined approach. Nevertheless, it is desirable to compare with other AMCs.
Comparison Table: 360 One vs Peers (2025 Estimates)
| Parameter | 360 One Corporate Bond | HDFC Corporate Bond | SBI Corporate Bond |
|---|---|---|---|
| 1-Year Return | 8.2% | 8.1% | 7.8% |
| Expense Ratio | 0.48% | 0.66% | 0.72% |
| Credit Quality | AA+ | AA+ | AA |
| AUM (Rs Crore) | 2,548 | 13,437 | 17,921 |
Other Answer Q
Which debt fund is better HDFC, SBI or 360 One?
With lower costs and similar returns, 360 One is appealing to those investors who are cost-sensitive and have a moderate size of investments.
What Should be the Best Practices to maximize returns on 360 One Debt Funds
And to achieve the optimal results, match your investment strategy to your financial target and risk aversion.
Quick Tips for Investors
- Set match fund to your investment time.
- Assess portfolio credit quality on an annual basis.
- Rupee cost averaging Use SIPs.
- Select the compounding growth option particularly when you do not require frequent payouts.
Expert Insight
It is advisable to apply rebalancing of your debt fund portfolio every year to keep risks under check as well as to make sure that allocation is in tandem with the changes in life.
TLDR or Quick Recap
The safe and moderate returns combined with professional management make 360 One Debt mutual funds the right investment choice by Indian investors in 2025. Depending on your objective, select Corporate Bond, Liquid or Gilt funds. It is imperative to compare performance, ratio of expenses, and quality of credit before making an investment. Taking the best practices such as asset review and SIPs will also help to streamline your investment process.
People Also Ask
Q1: What is the safest 360 One Debt Fund to a beginner?
A1: The 360 One Liquid Fund is the investment to recommend to new investors since it is not very risky and liquid.
Q2: What do I think I will make in a year investing in 360 One Corporate Bond Fund?
A2: Between 2025 and 2026, Annual returns are projected at between 7.5 to 8.5 percent depending on the market conditions.
Q3: Are 360 one Debt funds appropriate in saving taxes?
A3: Under 80C, debt funds cannot qualify, yet they are tax efficient in terms of growth option and improved post-tax returns with respect to various brackets.
Q4: Are there guaranteed returns of 360 One Debt Funds?
A4: No mutual fund will be certain of their returns since they are all market-related risks but debt funds have stable income against equity funds.
Sources
- Mutual Funds of 360 One Authoritative Website.
- SEBI mutuals fund regulations.
- AMFI Portfolio Data 2025
