Fixed Deposit vs Debt Funds

Fixed Deposit
Debt Fund
Submit
Pre-Tax Return Investment Amount Redeemed / Maturity Amount Total Interest / Profit Amount Annual Interest / Return (%)
Fixed Deposit 100000 106,890 6,890 6.87
HDFC Dynamic Debt Fund - Growth Option 100000 109,043 9,043 9.02
Post Tax Return Pre-tax Interest / Profit Amount Capital Gains Tax Indexed Amount Income / Capital Gains Tax Post Tax Interest / Profit Amount
Fixed Deposit 6,890 Not Applicable Not Applicable 2,067 4,823
HDFC Dynamic Debt Fund - Growth Option 9,043 Short Term Not Applicable 2,713 6,330

Note:

1. The Fixed deposit interest rate is based on historical State Bank of India Fixed deposit rates for different deposit terms.

2. Short Term in case of debt funds is defined as less than or equal to 3 years.

3. Long Term in case of debt funds is defined as more than 3 years.

4. Short term gain formula:

Short term capital gain = Amount realised - Amount invested

Short term capital gain tax = Short term capital gain * Tax rate of the investor

5. Long term gain formula:

Indexed cost of acquisition = Amount invested * (Index in Year of redemption / Index in year of investment)

Long term capital gain = Amount realised - Indexed Cost of Acquisition

Long term capital gain tax = Long term capital gain (post indexation) @ 20%

Top Performing Debt Mutual Funds

Submit
Data as on - 12-08-2020
Scheme
Name
Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
DSP Strategic Bond Fund - Regular Plan - Growth 09-05-2007 1.11 14.81 12.84 8.35 8.85 8.98 7.39
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.65 12.6 12.31 8.61 9.17 - 9.08
ICICI Prudential All Seasons Bond Fund - Growth 05-05-2009 1.5 12.15 11.03 8.09 9.82 10.11 9.21
IDFC Dynamic Bond Fund -Regular Plan-GROWTH 01-12-2008 1.77 12.14 13.12 8.64 9.4 9.52 8.75
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.66 10.77 12.34 8.25 9.52 9.27 6.24
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.08 10.59 11.69 8.9 9.79 9.35 8.86
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.51 10.42 10.9 7.27 7.5 - 7.54
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.38 10.31 11.73 8.05 - - 7.96
L&T Flexi Bond Fund - Regular Plan - Growth 24-08-2006 1.62 10.02 10.79 8.01 8.82 8.71 6.15
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 01-11-2004 0.68 9.89 10.73 6.93 8.33 8.74 6.87
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.76 9.05 6.17 4.17 6.54 7.62 8.46
IDBI Dynamic Bond Fund Growth 21-02-2012 1.57 9.03 8.09 5.09 5.9 - 6.29
Quantum Dynamic Bond Fund - Regular Plan Growth Option 01-04-2017 0.68 8.98 10.42 6.99 - - 7.91
BNP PARIBAS Flexi Debt Fund-Regular Plan A - Growth Option 06-02-2009 1.66 8.86 9.48 6.82 8.37 8.33 8.16
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth 29-05-2009 1.75 8.73 9.75 6.42 8.14 8.56 7.96
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.78 8.7 10.88 7.5 8.75 - 8.66
Tata Dynamic Bond Fund Regular Plan - Growth 03-09-2003 1.41 8.53 8.64 6.0 7.48 8.27 6.99
BNP Paribas Flexi Debt Fund Growth Option 23-09-2004 1.65 8.51 8.95 6.28 7.85 - 8.52
HSBC Flexi Debt Fund-Growth 05-10-2007 1.74 8.02 10.36 6.58 7.44 8.07 8.27
Principal Dynamic Bond Fund - Growth Option 13-05-2003 1.52 7.94 3.89 2.98 5.62 7.04 7.03
HSBC Flexi Debt Fund-Reg.Growth 05-10-2007 1.74 7.76 10.08 6.31 7.17 7.78 7.96
IIFL Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 1.34 7.53 7.49 6.37 7.29 - 7.05
JM Dynamic Debt Fund - Regular Plan - Growth Option 25-06-2003 0.66 7.3 7.24 7.24 7.65 7.93 6.95
BNP Paribas Flexi Debt Fund Monthly Option 09-08-2004 1.65 7.16 6.95 4.8 5.79 - 8.6
Edelweiss Dynamic Bond Fund - Regular Plan - Growth Option 27-06-2008 0.99 7.15 11.05 7.59 7.66 7.58 6.86
Indiabulls Dynamic Bond Fund - Regular Plan - Growth option 30-11-2018 0.74 7.0 - - - - 8.62
Baroda Dynamic Bond Fund - Plan A - Growth Option 30-06-2012 1.51 6.38 3.03 2.96 5.81 - 7.16
Quant Dynamic Bond-Growth 22-05-1998 0.21 5.8 6.63 4.14 5.65 7.82 8.67
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.58 4.98 1.47 1.49 5.41 7.56 7.5
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.4 1.08 4.89 3.16 5.92 7.76 7.61
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.4 1.08 4.89 3.16 5.92 7.76 7.87
Franklin India Dynamic Accrual Fund-Growth 05-03-1997 0.86 -3.06 2.58 3.78 6.28 7.43 8.37