Best Mirae Asset Debt mutual funds Overview 2025 guide
While seeking to diversify, investors are looking to invest their funds safely in India in 2025. Debt mutual funds have become a viable option of the people who want the protection of their capital with regular and stable returns. Mirae Asset Mutual Fund is one of the fund houses that have created an impression in this direction and presents some of the best performing and sound choices in the debt fund segment. The investment advantages of Mirae Asset debt mutual funds include disciplined credit, variety of products and investor friendly services.
Both professionals and ordinary savers have known Mirae Asset Debt Mutual Fund schemes in their portfolios to protect their capital and get more returns after tax than fixed deposits or recurring deposits. The principal money of this house comprises of liquid funds, short duration funds, corporate bond funds, and low duration funds. These are made to fit both the short term and the medium term investment horizons.
The factors to consider when selecting the most appropriate Mirae Asset debt fund are the safety of funds, a track record, performance in times of uncertainty in the market and the appropriateness of the fund to your financial objectives. The fund management team at Mirae Asset applies the contemporary risk management and optimal use of asset allocation, which results in low credit risks and efficient liquidity management, which is particularly critical in the changing financial landscape of 2025.
Reasons to Choose Mirae Asset Debt Mutual funds in 2025
Mirae Asset Mutual Fund has developed its image of a trusted AMC among retail and institutional clients. Their debt programmes are able to provide low risk diversified investment returns. Mirae funds are unique because they are more focused on quality, transparency, and consistent performance in 2025, when the interest rate and the inflation keep fluctuating.
The main reasons why these funds are worth considering include:
- Strong credit and interest rate movement risk management.
- Heterogeneous debt portfolios in government securities, AAA/AA papers and high quality liquid assets.
- Reduced cost ratios as compared to industry.
- Stable high returns of peer group funds.
Key Features or Highlights
- Products of wide range that include all categories of debt funds.
- Appropriate both in short horizon (liquid, overnight funds) and medium duration investment.
- Proactive credit protection and exposure to risky securities is minimal.
- Offered in growth and dividend payout plan.
- Facilities of redemption and easy access.
Did you know?
Mirae Asset debt funds have become the preferred parking place of a lot of Indian corporate treasuries since they have good liquidity and consistent returns.
Which are the best Mirae Asset Debt Mutual Funds in 2025
Although there are a number of debt funds by Mirae Asset, there are always those that maintain a lead in the performance and safety tables. The following is a closer inspection of the top funds to be included in your portfolio:
Mirae Asset Liquid Fund Review
Q: What is unique with Mirae Asset Liquid Fund
It is a scheme that is planned with ultra-short-term parking of funds and an average portfolio maturity of up to 91 days. It can be used in emergency funds or cash management which is no longer than a year and the investment takes place mainly in treasury bills, commercial papers and certificates of deposits of highly rated organizations.
Key Advantages:
- Instant redemption facility (up to 50,000 in a day)
- High returns and good capital preservation.
- One of the lowest cost ratios in the industry.
- Transparency in disclosure (NV) every day.
Benefits:
- Liquidity is more than in bank savings accounts.
- Very low risk of capital loss
- Quick withdrawal facility
Limitations:
- Likely to experience small fluctuations based on the fluctuation of interest rates.
- The returns are low and only accommodate short investment periods.
Mirae Asset Savings Fund Review
Q: Is Mirae Asset Savings Fund suitable in case of ordinary savings?
It is a low duration fund that is intended to have a slightly longer holding period (3-9 months), which means that it will have liquid securities, but with some exposure to corporate papers with short maturities. It tries to reach a compromise between yield and risk by holding an investment of mostly AAA rated assets or similar.
Highlights:
- Primarily invests in 30-day and less debt and money market securities.
- Fits to generate a step-up of fixed deposit returns.
- Has low volatility and fair regular yield.
- Perfect when one has to keep money temporarily before investment.
Pros:
- Less risky than recurring deposit or short FDs.
- NAV movement is quite stable.
Cons:
- Not effective in the long-term wealth-creation.
- Possible effect of increasing interest rates on unit value.
Expert’s Insight:
To create a cash management ladder, especially in the periods of uncertainty in interest rates, financial planners recommend combining liquid and low duration funds.
Mirae Asset Corporate Bond Fund Analysis
Q: How excellent is Mirae Asset Corporate Bond Fund to maintain constant income?
This fund is one the favourable investment of a conservative investor; at least 80 percent of the fund corpus is invested in top-rated (AA+ and above) corporate bonds. It can be used by those investors who are interested in stable revenues within a period of 1 to 3 years and are interested in minimum credit risks.
Key features:
- Heavy emphasis on credit profile, mostly AAA issuers.
- Opportunity to take additional returns over FD by opportunistic allocation.
- Viable proactive management to attract optimal market returns.
Positives:
- Consistent accruals on the low to moderate risk takers.
- Ranked as one of the best in the category of 3 and 5-year returns.
Drawbacks:
- A little more susceptible to fluctuations in interest rates as compared to liquid funds.
- Not the best in the short-run parking of funds.
People also ask
What will be best Mirae Asset debt fund in 1 year goal?
Mirae Asset Savings Fund or Mirae Asset Short Duration fund would be used in case of one year investment horizon, both balance return and risk would be better than liquid options.
Performance of Mirae Asset Ultra short Duration Fund
Q: Mirae Asset Ultra Short Duration Fund is an appropriate fund to invest in a volatile market?
This plan is suitable to individuals who are ready to spend a little longer time and risk on interests than the conventional money market securities. It has an average portfolio maturity of between 3-6 months, which is flexible to fund managers.
Top Features:
- Diversified to include short maturity PSU, private, and government bonds.
- Applicable to people who are investors and would like to explore opportunities when the rates suddenly change.
- Exposure to unrated or low rating papers is very low.
Advantages:
- Greater returns than plain liquid funds, when held in 3 months or longer.
- Proper alternative to take advantage of differentiating interest rates.
Disadvantages:
- Not to be considered in daily cash demand or less than 1-month cash demand.
- May carry a little higher risk in the fluctuating market cycles.
Did you know?
Ultra short term funds have an advantage in that when RBI reduces the repo rates, they are able to invest in other higher yielding securities in the shortest time possible.
Head to Head comparison of Mirae Asset Debt Mutual Funds Head
The following is a comparison of the major Mirae Asset debt mutual funds based on the maturity profile, yield and risk:
| Fund Name | Avg Portfolio Maturity (2025) | AUM (Crore) | 1Y Return | 3Y Return | Expense Ratio | Suitability |
|---|---|---|---|---|---|---|
| Mirae Asset Liquid Fund | 34 days | 11200 | 6.9% | 5.9% | 0.15% | Ultra short goal/emergency |
| Mirae Asset Savings Fund | 5 months | 4,300 | 7.2 | 6.5 | 0.23 | Short term 3-12 months. |
| Mirae Asset Corporate Bond Fund | 2 years old | 9,800 | 8.2% | 6.8% | 0.32% | 1-3 year income seekers. |
| Mirae Asset Ultra short Duration fund | 4 months | 2,900 | 7.0% | 6.4% | 0.28% | 1-6 month horizon. |
Returns as on Jan 2025, annualised
People also ask
What is the exit loading of Mirae Asset Liquid Fund?
In the Liquid Fund, the exit load is usually no after 7 days, but before 7 days, redemption can be charged to an extent of 0.0070 percent depending on the withdrawal window.
Mirae Asset Short Term fund Report.
Q: Does Mirae Asset Short term Fund make sense in an investment of 23 years?
This is a debt mutual fund that is an investment in a blend of high quality corporate bonds and government securities maturing in 1-3 years. It is a managed solution of medium-term, moderate risk investors.
Features:
- Proactively managed to maximise time and credit.
- Adequacy in wavering returns in case of a decline in interest rates.
- Appropriate to staggered systematic transfer plans (STP) to equity funds.
Advantages:
- Suitable to lump sum investments pending deployment.
- Helps is more effective in beating inflation than short term FDs.
Limitations:
- Average NAV volatility in times of interest rate increase.
- Minimum 1-2 years holding period to fulfil potential.
Expert’s Insight
Taxation of the debt funds is on the basis of the holding period. The gain is subject to tax according to the slab of income of less than three years; above that, receive capital gains benefits.
Advantages and disadvantages of Mirae Asset Debt Mutual Funds investment
The investment in the debt mutual fund basket of Mirae Asset has both concrete advantages and several difficulties:
Pros
- Risk controls and trusted fund management.
- Established through openness and daily reporting and is available online.
- Large variety of selection to fit short to medium investment objective.
- Cheap, increasing net returns to investors.
Cons
- No assurance of steady yields, as it is the case with FDs.
- Investor experience might be influenced by market timing and withdrawal discipline.
- Lack of high growth, but good in stability and constant income.
The Pre-investment Checklist of Investors
Besides performance, there are some other factors that ought to be used to decide on what is the right Mirae Asset debt mutual fund to accompany you in 2025:
- align your investment horizon to the mean portfolio maturity of the fund.
- Search and find funds that are more exposed to AAA or government securities to be safe.
- Take tax and after tax returns.
- Understand exit load terms
- Redemption via formal means to experience smoothness.
People also ask
Is it possible that NRIs will invest in Mirae Asset debt funds?
Yes, the majority of Mirae Asset debt mutual funds are open to residents and non-residents Indians, but under the KYC and FEMA regulations.
Did you know?
Debt funds may be utilized either as a sweep-in facility of alternate accounts or as a transition step to strategic changes in the asset allocation between equity and fixed income.
TLDR or Quick Recap
Mirae Asset debt mutual fund is simply offering a superb combination of security, adaptability and returns. One can align investments to various short and mid-term financial objectives; Liquid Fund to access instantly, to Corporate Bond and Short Duration Funds to get higher returns on invested capital. They will continue to be rated as one of the leading investment options to Indian investors in 2025, particularly in stashing idle money, emergency funds or some foreseeable need of fixed income, but with a particular advantage in terms of risk management.
People Also Ask
Q1: Which is the most suitable Mirae Asset debt mutual fund
The best debut fund is the Mirae Asset Liquid Fund because it is liquid, easy to follow, and absolutely low-risk.
Q2: Can I open SIP in Mirae Asset debt mutual funds
Yes, it is possible to open SIPs in the majority of Mirae Asset debt funds which would allow you to invest small sums in a regular manner with an option to pause or even to stop.
Q3: How risky are Mirae Asset debt mutual funds
The debt mutual funds of Mirae Asset are the safest in the Indian debt funds industry since the fund primarily invests in high-grade papers.
Q4: The question of liquid, short term and corporate bond funds
Take into account the term of holding which is days to months liquid funds, 1-3 years short term funds, and higher yielding corporate bond funds should you be able to commit the investment over 2-3 years.
Q5: Mirae Asset debt funds taxable
Yes. The returns of these funds are taxed as per your own income slab provided held in less than three years; after that, it is indexed to get higher post-tax returns.
Sources
- Mirae Asset Mutual Fund official Web Site,
- Value Research Online,
- AMFI India
