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Floater Debt Mutual Funds
- Average Return 8.27%
- No. of Funds 12
What is Floater Mutual Fund
Floater funds are debt funds that invest at least 65% of their money in floating-rate bonds. The interest these bonds pay change as the interest rates in the economy change. A periodic resetting of rates to keep them in sync with market rates.
Advantages of Floater Funds
- Suitable investment option when the interest rates are poised to go up
- Risk of borrowers defaulting depends on the individual fund's lending strategy
- Most funds in the category lend for short duration, and that keeps risk down
- Go for liquid or ultra short duration funds for more predictable returns
Top schemes of Floater Mutual Funds sorted by Returns
12 funds
ShowReturns for
via
#NA of NA
ETM Rank: Genius only 
Fund Size
₹323 Cr
Return (p.a)
+ 9.08%+ 0.6% + 8.56%+ 1.32% + 11.42%+ 3.13% + 10.54%+ 5.55% + 9.44%+ 15.22% + 8.12%+ 22.7%
ETM Rank
#NA of NA
Genius only
#NA of NA
ETM Rank: Genius only
Fund Size
₹7,429 Cr
Return (p.a)
+ 8.09%+ 0.53% + 8.16%+ 1.26% + 9.67%+ 2.66% + 9.17%+ 4.84% + 8.87%+ 14.27% + 7.91%+ 22.06%
ETM Rank
#NA of NA
Genius only
#NA of NA
ETM Rank: Genius only
Fund Size
₹3,312 Cr
Return (p.a)
+ 8.78%+ 0.58% + 8.62%+ 1.33% + 10.61%+ 2.91% + 9.97%+ 5.25% + 8.95%+ 14.39% + 7.73%+ 21.51%
ETM Rank
#NA of NA
Genius only
#NA of NA
ETM Rank: Genius only
Fund Size
₹15,221 Cr
Return (p.a)
+ 9.17%+ 0.6% + 8.19%+ 1.27% + 10.0%+ 2.75% + 9.47%+ 4.99% + 8.77%+ 14.1% + 7.73%+ 21.49%
ETM Rank
#NA of NA
Genius only
#NA of NA
ETM Rank: Genius only
Fund Size
₹7,811 Cr
Return (p.a)
+ 9.49%+ 0.62% + 7.88%+ 1.22% + 10.49%+ 2.88% + 9.94%+ 5.24% + 8.83%+ 14.2% + 7.61%+ 21.15%
ETM Rank
#NA of NA
Genius only
#NA of NA
ETM Rank: Genius only
Fund Size
₹13,438 Cr
Return (p.a)
+ 8.71%+ 0.57% + 8.09%+ 1.25% + 9.45%+ 2.6% + 9.02%+ 4.76% + 8.36%+ 13.41% + 7.42%+ 20.55%
ETM Rank
#NA of NA
Genius only
#NA of NA
ETM Rank: Genius only
Fund Size
₹1,031 Cr
Return (p.a)
+ 8.82%+ 0.58% + 7.4%+ 1.15% + 9.03%+ 2.49% + 8.64%+ 4.56% + 7.89%+ 12.63% + 6.94%+ 19.13%
ETM Rank
#NA of NA
Genius only
#NA of NA
ETM Rank: Genius only
Fund Size
₹181 Cr
Return (p.a)
+ 11.89%+ 0.77% + 4.31%+ 0.68% + 9.92%+ 2.73% + 10.03%+ 5.28% + 9.49%+ 15.31% N.A.N.A.
ETM Rank
#NA of NA
Genius only
#NA of NA
ETM Rank: Genius only
Fund Size
₹312 Cr
Return (p.a)
+ 9.23%+ 0.61% + 7.32%+ 1.14% + 10.14%+ 2.79% + 9.96%+ 5.25% + 8.79%+ 14.13% N.A.N.A.
ETM Rank
#NA of NA
Genius only
#NA of NA
ETM Rank: Genius only
Fund Size
₹580 Cr
Return (p.a)
+ 7.39%+ 0.49% + 5.69%+ 0.89% + 9.28%+ 2.56% + 9.38%+ 4.95% + 9.17%+ 14.77% N.A.N.A.
ETM Rank
#NA of NA
Genius only
#NA of NA
ETM Rank: Genius only
Fund Size
₹1,229 Cr
Return (p.a)
+ 7.72%+ 0.51% + 7.37%+ 1.14% + 9.12%+ 2.51% + 8.8%+ 4.64% + 8.47%+ 13.59% N.A.N.A.
ETM Rank
#NA of NA
Genius only
#NA of NA
ETM Rank: Genius only
Fund Size
₹114 Cr
Return (p.a)
+ 7.42%+ 0.49% + 6.38%+ 0.99% + 9.55%+ 2.63% + 9.41%+ 4.96% + 8.49%+ 13.62% N.A.N.A.
ETM Rank
#NA of NA
Genius only
Returns Calculator
See what your investment would have yielded in
Invested ₹ 6 Lakh
Profit ₹ 3.33 Lakh
₹ 9.33 Lakh
This fund has generated an XIRR of 8.12% over the past 5 Years
SIP Calculator
Mutual Fund Calculator
Lumpsum CalculatorHow to invest in Floater Funds?
Investing in Floater mutual funds on the ET Money app is simple. Follow these steps:
For Desktop Users:
- Click on the "Invest" button next to the scheme in the Floater fund list shown above.
- Scan the QR code to download the app.
For Mobile Users:
- Tap on the "Invest" button in the Floater fund list to download the app.
- Open the app, sign up, and complete your one-time KYC process, or log in if you're already registered.
- Search for the mutual fund you want to invest in and choose your investment mode (Lump sum investment or SIP).
- Enter your investment amount.
- Fill in the required details, including your bank account for payment, and confirm.
All set! Your investment is complete.
Frequently Asked Questions
Which are the best Floater Mutual Funds to invest in 2025?
These are top 5 Floater funds you can invest in 2025
| Fund Name | Fund Category | Consistency | 5.0 Year Return (Annualized) |
|---|---|---|---|
| UTI Floater Fund | Debt | 6.06 % p.a. | |
| Nippon India Floater Fund | Debt | 6.69 % p.a. | |
| Axis Floater Fund | Debt | NA | |
| Aditya Birla Sun Life Floating Rate Fund | Debt | 6.53 % p.a. | |
| HDFC Floating Rate Debt Fund | Debt | 6.94 % p.a. |
How long should I stay invested in Floater Mutual Funds?
Floater Funds mostly lend for a short duration. For this reason, these funds are ideal for an investment horizon of at least 2 years.
Where do Floater Mutual Funds invest?
Floating Rate Bonds by regulation have to invest at least 65% of their money in floating-rate bonds. The interest rate floating rate bonds give is not constant. It keeps changing as per changes in the interest rate in the economy. There is no regulation on for how long they need to lend, but most funds in the category keep the lending duration low.
What kind of returns can I earn from Floater ?
Floater Funds have on an average delivered 9.32% p.a. returns in the last 1 year. Their 3 and 5 year annualized returns are 8.27% and 6.75%. p.a.
