New Delhi, Sept. 13 -- With Indian and global bond yields remaining elevated, investors may be wondering what the current interest-rate environment means for their debt allocation.

The question is not just how much debt can return, but how investors should think about return expectations and risk when yields are high.

According to the September 2026 FundsIndia Wealth Conversations report, debt has historically delivered around 6-8% returns over periods of five years or more.

The data tracks historical annualized lump-sum returns across investment horizons ranging from 1 year to 25 years, covering annual entry dates from January 2001 through January 2025.

Across all historical entry points and holding periods from 1 to 25 years, there ...