New Delhi, July 4 -- Debt mutual funds are generally chosen for stability and predictable returns, not spectacular gains. Yet some schemes have managed to deliver equity-like SIP returns over the long run. The catch? There are very few of them.

An analysis of Value Research data as of July 4, 2026 shows that only four debt mutual fund schemes have generated annualised SIP returns exceeding 10% over the past 10 years. Even after lowering the threshold to 8%, just nine schemes qualify.

The findings highlight that while strong returns are easier to find over shorter periods, sustaining them over a decade has proved exceptionally difficult.

The number of debt funds meeting key SIP return milestones falls sharply as the investment horizon i...