Best Debt Funds in 2026
Top performers by 3-year CAGR · Direct-Growth · NAV as of 30-Oct-2026
This list ranks the 14 debt funds on MoneyDock by their 3-year CAGR, computed from AMFI NAV history for the Direct-Growth plan. UTI CRISIL SDL Maturity June 2027 Index Fund currently leads with +7.74%.
Returns measure past performance only and should be one input among many — also weigh expense ratio, risk, fund house track record and how the fund fits your goals. Past performance does not guarantee future results.
| # | Fund | 3Y CAGR Return | NAV |
|---|---|---|---|
| 1 | +7.74% | ₹13.06 | |
| 2 | +7.73% | ₹13.32 | |
| 3 | +7.66% | ₹12.87 | |
| 4 | +7.62% | ₹13.3 | |
| 5 | +7.56% | ₹12.97 | |
| 6 | +7.54% | ₹13.38 | |
| 7 | +7.54% | ₹1,283.43 | |
| 8 | +7.53% | ₹12.84 | |
| 9 | +7.52% | ₹13.07 | |
| 10 | +7.47% | ₹12.99 | |
| 11 | +7.45% | ₹12.89 | |
| 12 | +7.10% | ₹1,274.02 | |
| 13 | +6.94% | ₹13.24 | |
| 14 | +6.69% | ₹12.88 |
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Frequently Asked Questions
Which is the best debt funds in 2026?
By 3-year CAGR, UTI CRISIL SDL Maturity June 2027 Index Fund currently tops this list with +7.74%. Rankings are based on past NAV performance and refresh daily — they are not a recommendation.
How are these funds ranked?
Funds are ranked purely by their 3-year CAGR, computed from AMFI NAV history for the Direct-Growth plan. We rank over the longest period the available history supports and extend toward longer 1-, 3- and 5-year windows as more NAV data is collected. Past performance does not guarantee future results.
Are these Direct or Regular plans?
All returns shown are for the Direct-Growth plan, which carries no distributor commission and therefore has a lower expense ratio and typically higher long-term returns than the Regular plan.
Returns are computed from AMFI NAV history for the Direct-Growth plan and rank past performance only. This is not investment advice — mutual fund investments are subject to market risks; read all scheme-related documents carefully.