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No good short term debt in Sundaram and Franklin Templeton?

All:

I’ve been trying to find some debt funds to invest lumpsum to do STP towards my SIP in Franklin and Sundaram funds, but couldn’t find anything? Either the returns/ratings are not good or the initial investment (50 L in case of Franklin Templeton India Inc Builder) is too high.

Any ideas what to do? Just keep money in the bank and do a SIP? Or maybe my reasearch is flawed?

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