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Steady returns • Low risk • Start SIP from ₹500

Debt Mutual Funds
Stable Returns
— Low Risk Investing

Invest in liquid, ultra short, short term, corporate bond & gilt funds. Stable returns 6-9% p.a., tax efficient with indexation benefit.

6-9%
Expected Returns*
Low
Risk Level
1000+
Debt Funds
Partner With Us

Become a KFinOne DSA Partner

Earn high commissions by referring debt funds, equity funds, and loans. Zero investment, full support.

High payouts – monthly settlement
20+ financial products
Dedicated partner dashboard
Training & marketing collateral
1
Personal
2
Location
3
Experience
Step 1 of 3

Personal Information

Let's start with your basic contact details

Step 2 of 3

Your Location

Help us connect you with the right regional team

Step 3 of 3

Your Experience

Almost done — tell us a little about your background

Review Your Details
Fund Categories

Choose the Right
Debt Fund for You

💧

Liquid Funds

Invest in money market instruments – ideal for 1-3 months. Low risk, quick redemption.

6-7% returns*

Ultra Short Funds

For 3-6 months horizon – better returns than liquid, still low risk.

6.5-7.5% returns*
📅

Short Term Funds

1-3 years horizon – invest in corporate & government bonds.

7-8.5% returns*
🏢

Corporate Bond Funds

High-quality corporate bonds – moderate risk, stable returns.

7.5-9% returns*
Why KFinOne

Smart Debt Investing
Made Simple

Capital Protection

Debt funds invest in high-credit-quality instruments, minimizing default risk.

Stable Returns

6-9% expected returns – better than FDs, with lower risk than equity.

Tax Efficiency

Indexation benefit for holdings over 3 years – reduces LTCG tax significantly.

No Lock-in

Exit anytime without penalty (except exit load for some funds).

1000+
Debt Funds
6-9%
Expected Returns
Low
Risk Rating
3yrs
For Indexation Benefit
Get Started

Eligibility & KYC

Eligibility

Age: 18 years or older
Indian resident with valid PAN & Aadhaar
Active bank account (Savings/Current)
Any income level – suitable for all
No minimum income required

Documents

PAN Card (mandatory)
Aadhaar Card (for e-KYC)
Bank account proof (cancelled cheque)
Passport-size photograph (digital)
No income proof needed
Returns Calculator

Estimate Your Debt Fund Returns

Investment Amount1,00,000
₹1K₹50L
Expected Return (% p.a.)7.5%
5%11%
Investment Period (Years)3 yrs
1 yr10 yrs
Estimated Future Value
1,24,230
Wealth created
Total Returns
24,230
Tax Benefit*
Indexation
Start Investing Now
Process

Start Investing in 4 Simple Steps

01
Complete KYC
Paperless e-KYC with Aadhaar OTP & PAN.
02
Choose Fund Category
Liquid, ultra short, short term, corporate bond.
03
Select Amount
SIP or lump sum – as per your goal.
04
Pay & Invest
Instant confirmation & portfolio tracking.
FAQs

Common Questions

Everything about debt mutual funds – returns, risks, taxation, liquidity.

Still have doubts?

Speak to our investment specialist.

Chat on WhatsApp
01
What is a debt mutual fund?
BasicsA debt mutual fund invests in fixed-income securities like bonds, treasury bills, and corporate deposits. It aims for capital preservation and stable returns.
02
Are debt funds safer than equity funds?
RiskYes, debt funds have lower risk because they invest in fixed-income instruments rather than volatile stocks. However, they still carry credit and interest rate risk.
03
What returns can I expect from debt funds?
ReturnsDepending on the category, returns range from 6% to 9% p.a. Liquid funds offer 6-7%, while corporate bond funds can yield 7.5-9%.
04
How are debt funds taxed?
TaxationShort-term (hold <3 years): taxed as per income slab. Long-term (hold>3 years): 20% with indexation benefit, which reduces effective tax.
05
Can I withdraw money anytime from debt funds?
LiquidityYes, most debt funds allow redemption anytime. Some funds may have exit load if redeemed within a certain period (usually 3-6 months).
06
Which debt fund is best for short term (1-2 years)?
RecommendationUltra short duration funds or short term funds are ideal for 1-2 year horizon. They offer better returns than savings accounts with low risk.

KFinOne Debt Fund Assistant