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 105,095 5,095 5.09
HDFC Dynamic Debt Fund - Growth Option 100000 100,374 374 0.37
Post Tax Return Pre-tax Interest / Profit Amount Capital Gains Tax Indexed Amount Income / Capital Gains Tax Post Tax Interest / Profit Amount
Fixed Deposit 5,095 Not Applicable Not Applicable 1,528 3,566
HDFC Dynamic Debt Fund - Growth Option 374 Short Term Not Applicable 112 262

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 - 27-09-2022
Scheme
Name
Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.59 13.43 10.7 8.9 4.99 7.58 7.9
Tata Dynamic Bond Fund- Regular Plan - Growth Option 03-09-2003 0.72 5.34 5.66 6.56 5.77 7.92 6.78
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.18 5.03 5.83 4.17 4.34 7.05 7.61
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.18 5.02 5.82 4.17 4.34 7.04 7.3
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.38 3.2 4.96 7.23 6.86 9.3 8.48
IIFL Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 0.52 3.02 5.24 5.91 5.91 - 6.59
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.9 2.86 3.55 4.62 5.59 6.98 6.56
Edelweiss Money Market Fund - Regular Plan - Growth Option 27-06-2008 0.98 2.66 2.83 4.34 5.76 6.73 6.25
ITI Dynamic Bond Fund - Regular Plan - Growth Option 05-07-2021 1.2 2.62 - - - - 3.33
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.64 2.58 3.47 5.62 6.19 7.6 5.86
Quantum Dynamic Bond Fund - Regular Plan Growth Option 01-04-2017 0.73 2.35 3.72 5.79 5.78 - 6.28
IDBI Dynamic Bond Fund Growth 21-02-2012 1.17 2.29 3.92 5.89 4.63 5.5 5.75
L&T Flexi Bond Fund - Regular Plan - Growth 24-08-2006 1.61 1.62 2.65 4.97 5.71 7.52 5.65
Indiabulls Dynamic Bond Fund - Regular Plan - Growth option 30-11-2018 0.74 1.61 3.92 4.41 - - 5.66
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.57 1.54 2.98 4.92 5.72 7.38 7.49
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.29 1.27 3.61 5.88 6.76 8.15 8.05
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.75 0.95 2.02 4.16 4.61 7.19 6.94
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.69 0.81 3.12 5.1 5.19 7.23 6.33
DSP Strategic Bond Fund - Regular Plan - Growth 09-05-2007 1.14 0.72 2.8 5.63 5.98 7.59 6.68
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.73 0.37 4.99 6.22 4.55 6.98 8.15
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.66 0.36 3.38 6.09 6.46 7.73 7.93
Baroda BNP Paribas Dynamic Bond Fund-Defunct Plan - Growth Option 01-01-2013 0.0 - - - - - 1.38
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 01-01-2013 1.69 - - - - - 1.23
IDFC Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.62 -0.18 2.02 5.14 5.87 7.69 7.63
HSBC Flexi Debt Fund-Growth 05-10-2007 1.74 -0.19 1.91 3.8 4.63 6.43 7.29
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.1 -0.23 1.65 4.36 5.38 - 5.38
HSBC Flexi Debt Fund-Reg.Growth 05-10-2007 1.74 -0.44 1.66 3.55 4.37 6.16 6.99
Mahindra Manulife Dynamic Bond Yojana - Regular Plan - Growth 01-08-2018 1.62 -0.65 1.56 3.16 - - 3.99
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.5 -1.32 1.65 4.35 4.91 6.13 6.26