Debt Fund Return Estimator
Project potential returns from debt mutual funds based on YTM, modified duration, and interest rate outlooks.
Quick Summary: Debt Fund Return Estimator
Debt fund returns are primarily driven by two factors: Yield to Maturity (YTM) and capital gains/losses from interest rate movements. A 1% fall in market interest rates typically leads to a percentage gain in the fund roughly equal to its 'Modified Duration'. This tool helps you estimate future ROI based on the current RBI rate cycle and the fund's portfolio characteristics in India.
How to use the Debt Fund Return Estimator
- 1
Input Portfolio YTM
Enter the current Yield to Maturity of the debt fund (found in its latest factsheet).
- 2
Set Modified Duration
Provide the fund's modified duration to measure its interest rate sensitivity.
- 3
Select Rate Outlook
Choose your expectation for interest rate changes (e.g., a 0.50% cut over 12 months).
- 4
Review Projected Return
See the estimated annualized return combining accrual income and capital appreciation.
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Regulatory Disclaimer
Last verified May 2026
Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.
Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."
Consult a SEBI-registered IA or CA for personalised advice.
9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.