{"id":26980,"date":"2023-03-27T13:09:26","date_gmt":"2023-03-27T07:39:26","guid":{"rendered":"https:\/\/fundsindia.com\/blog\/?p=26980"},"modified":"2023-03-27T13:57:56","modified_gmt":"2023-03-27T08:27:56","slug":"a-time-sensitive-investment-opportunity-in-debt-funds-invest-before-31-mar-23","status":"publish","type":"post","link":"https:\/\/fundsindia.com\/blog\/mf-research\/a-time-sensitive-investment-opportunity-in-debt-funds-invest-before-31-mar-23\/26980","title":{"rendered":"A Time-Sensitive Investment Opportunity In Debt Funds (Invest Before 31-Mar-23)"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/Page-Banner-1-1.jpg\"><img loading=\"lazy\" width=\"1024\" height=\"512\" src=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/Page-Banner-1-1-1024x512.jpg\" alt=\"\" class=\"wp-image-26993\" srcset=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/Page-Banner-1-1-1024x512.jpg 1024w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/Page-Banner-1-1-300x150.jpg 300w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/Page-Banner-1-1-768x384.jpg 768w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/Page-Banner-1-1-1536x768.jpg 1536w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/Page-Banner-1-1-2048x1024.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/div>\n\n\n\n<h4><strong><span style=\"color:#0059ff\" class=\"has-inline-color\">Debt Fund Yields are Attractive<\/span><\/strong><\/h4>\n\n\n\n<ul><li>RBI has been increasing interest rates since May 2022 to reduce inflation&nbsp;<\/li><\/ul>\n\n\n\n<ul><li>Cumulatively, the <strong>repo rate has been raised by 250 bps<\/strong> so far<\/li><\/ul>\n\n\n\n<ul><li>As a result, the <strong>government bond yields have risen sharply<\/strong> in the last year and have become <strong>attractive<\/strong> especially <strong>in the 3-5 year segment (yields around 7.2%)<\/strong><\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/image-13.png\"><img loading=\"lazy\" width=\"1024\" height=\"526\" src=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/image-13-1024x526.png\" alt=\"\" class=\"wp-image-26981\" srcset=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/image-13-1024x526.png 1024w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/image-13-300x154.png 300w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/image-13-768x394.png 768w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/image-13.png 1060w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/div>\n\n\n\n<h4><strong><span style=\"color:#0059ff\" class=\"has-inline-color\">Yields close to peak levels \u2013 Opportunity for higher future returns (compared to last 3 years) if yields remain stable or come down from here<\/span><\/strong><\/h4>\n\n\n\n<ul><li><strong>RBI<\/strong> may <strong>pause from hereon or go for another minor rate hike<\/strong> in next policy. This is driven by<\/li><\/ul>\n\n\n\n<p>&#8211;  India\u2019s <strong>CPI inflation<\/strong>, though above RBI&#8217;s tolerance band (2-6%) at 6.44% for Feb-23, has <strong>eased from peak level of 7.79%<\/strong> in Apr-22<\/p>\n\n\n\n<p>&#8211;  <strong>Current repo rate (at 6.5%)<\/strong> is comfortably <strong>above RBI\u2019s inflation expectation<\/strong> (5.3% for FY24)<\/p>\n\n\n\n<p>&#8211;  Concerns over <strong>global growth slowdown<\/strong><\/p>\n\n\n\n<p>&#8211; <strong>  US inflation also continues to ease<\/strong> and the Fed has slowed down the pace of rate hikes&nbsp;<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul><li>Future rate actions will be guided by the evolving domestic inflation \/ growth dynamics and the US Fed rate hike trajectory<\/li><\/ul>\n\n\n\n<ul><li><strong>In our view, we are close to peak yield levels<\/strong><\/li><\/ul>\n\n\n\n<ul><li>The <strong>current yields provide a sufficient buffer for higher returns over a 3+ year time frame<\/strong> even if yields were to temporarily inch up further leading to near term volatility<\/li><\/ul>\n\n\n\n<ul><li>Further, any <strong>fall in yields<\/strong> could result in bond prices going up. This <strong>could lead to some extra returns<\/strong> from your debt fund portfolio.<\/li><\/ul>\n\n\n\n<h4><strong><span style=\"color:#0059ff\" class=\"has-inline-color\">Invest in Debt Funds before 31-Mar-2023 to get indexation benefits\u2026<\/span><\/strong><\/h4>\n\n\n\n<ul><li>Based on the amended Finance Bill 2023 passed on 24-Mar-2023, <strong>gains from new investments made after 31-Mar-2023 in Debt Mutual Funds<\/strong> <strong>will be taxed as per your individual slab rates irrespective of the holding period. <\/strong>Currently, gains from Debt Fund investments less than 3 years are already taxed according to your tax slab, but those beyond 3 years are taxed at 20% after indexation.<\/li><\/ul>\n\n\n\n<ul><li><strong>Impact:<\/strong> This may lead to lower debt fund post tax returns (~1 to 2% lower) for 3 Year+ investments if invested after 01-Apr-2023<\/li><\/ul>\n\n\n\n<ul><li>However, you can still get <strong>indexation benefits in debt funds if you invest on or before 31-Mar-2023<\/strong> and hold for more than 3 years.<br><\/li><li>Further, investing now could help you <strong>claim indexation benefit for an additional year<\/strong>.<\/li><\/ul>\n\n\n\n<ul><li>For example: Assuming 7% returns, a Rs 10 lakhs investment made before 31-Mar-2023 (FY23) in a debt fund and held atleast until 01-Apr-26 (FY27) is likely to offer a post tax return of 6.9% (vs 5.0% if invested after 31-Mar-23)<\/li><\/ul>\n\n\n\n<ul><li>Though your investment horizon is only slightly longer than 3 years, <strong>you get to enjoy indexation benefits for four years<\/strong> as your investments are held across four financial years (FY23 to FY27).<\/li><\/ul>\n\n\n\n<ul><li>So, <strong>if you are already planning to invest in debt funds, do it by 31-Mar-2023 to get indexation benefits<\/strong> (if held for more than 3 years).\u00a0<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><a href=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/image-17.png\"><img loading=\"lazy\" src=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/image-17.png\" alt=\"\" class=\"wp-image-26997\" width=\"634\" height=\"442\" srcset=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/image-17.png 772w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/image-17-300x209.png 300w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/image-17-768x535.png 768w\" sizes=\"(max-width: 634px) 100vw, 634px\" \/><\/a><\/figure><\/div>\n\n\n\n<h4><strong><span style=\"color:#0059ff\" class=\"has-inline-color\">Where to invest?<\/span><\/strong><\/h4>\n\n\n\n<p>We prefer open-ended debt funds with<\/p>\n\n\n\n<ul><li><strong>HIGH CREDIT QUALITY (&gt;80% AAA exposure)<\/strong><\/li><\/ul>\n\n\n\n<ul><li><strong>SHORT DURATION (1-3 years) or TARGET MATURITY FUNDS (3-5 years)<\/strong><\/li><\/ul>\n\n\n\n<h4><strong><span style=\"color:#0059ff\" class=\"has-inline-color\">Fund Options<\/span><\/strong><\/h4>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/image-16.png\"><img loading=\"lazy\" width=\"1006\" height=\"293\" src=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/image-16.png\" alt=\"\" class=\"wp-image-26991\" srcset=\"https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/image-16.png 1006w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/image-16-300x87.png 300w, https:\/\/fundsindia.com\/blog\/wp-content\/uploads\/2023\/03\/image-16-768x224.png 768w\" sizes=\"(max-width: 1006px) 100vw, 1006px\" \/><\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Debt Fund Yields are Attractive RBI has been increasing interest rates since May 2022 to reduce inflation&nbsp; Cumulatively, the repo rate has been raised by 250 bps so far As a result, the government bond yields have risen sharply in the last year and have become attractive especially in the 3-5 year segment (yields around [&hellip;]<\/p>\n","protected":false},"author":47,"featured_media":26993,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[506,509,376],"tags":[858,209,935,936,521,389],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>A Time-Sensitive Investment Opportunity In Debt Funds (Invest Before 31-Mar-23)<\/title>\n<meta name=\"description\" content=\"Based on the amended Finance Bill 2023, gains from new investments made in Debt Mutual Funds after 31-Mar-2023 will be taxed at the slab rates.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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