What are the historical returns of Floater Fund?

1-year returns: 6.5–8.5%, 3-year: 6.5–8%, 5-year: 6.5–8%. Past performance is not a guarantee of future results.

What is the minimum investment for Floater Fund?

Minimum ticket size: ₹500/month SIP. ₹500 SIP / ₹1,000 lump sum.

4. Mutual Funds - Debt

Floater Fund

Debt fund investing at least 65% in floating-rate instruments.

Risk Level

Low ★★☆☆☆

Liquidity

🟡 Medium

Min Investment

₹500/month SIP

Ticket Size

₹500 SIP / ₹1,000 lump sum

Ideal Horizon

1–3 years

Region

India

📈 Historical Returns (Indicative)

1 Year

6.5–8.5%

3 Years

6.5–8%

5 Years

6.5–8%

10 Years

7–8%

20 Years

7–8%

⚠️ Indicative historical ranges only. Past performance does not guarantee future results. Returns vary significantly across individual instruments.

🧮 XIRR Calculator — Floater Fund

Enter your actual investment dates and amounts to calculate your personal annualised return (XIRR). Use negative values for money invested, positive for money received back.

✅ Pros & ❌ Cons

Advantages

✅ Low risk — capital largely protected
✅ Professional fund management
✅ Diversification across securities
✅ Start with ₹500 SIP

Disadvantages

❌ Expense ratio reduces returns
❌ No guaranteed returns

🚀 How to Invest in Floater Fund

Invest directly via AMC website or app (0% commission)
Or use MFU, MyCams, Kuvera, Coin by Zerodha
Complete one-time KYC (OTP-based Aadhaar KYC available)
Set up SIP for disciplined monthly investing

💰 Tax Treatment (India)

Gains taxed at income slab rate (no indexation benefit post April 2023)
Debt MF taxation changed in Budget 2023 — LTCG benefit removed

Disclaimer: This page is for educational purposes only and does not constitute financial advice. Returns shown are indicative historical ranges and not guaranteed. Consult a SEBI-registered investment advisor before investing.

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