Debt Funds vs Fixed Deposit

Debt Funds / Hybrid Debt Funds vs Fixed Deposit
Fixed Deposit
Debt Fund
Submit
Pre-Tax Return Investment Amount Redeemed / Maturity Amount Total Interest / Profit Amount Annual Interest / Return (%)
Fixed Deposit 100000 106,398 6,398 6.4
HDFC Dynamic Debt Fund - Growth Option 100000 105,673 5,673 5.67
Post Tax Return Pre-tax Interest / Profit Amount Capital Gains Tax Indexed Amount Income / Capital Gains Tax Post Tax Interest / Profit Amount
Fixed Deposit 6,398 Not Applicable Not Applicable 1,919 4,479
HDFC Dynamic Debt Fund - Growth Option 5,673 Short Term Not Applicable 1,702 3,971

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 - 05-03-2021
Scheme
Name
Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.49 8.18 10.52 9.33 9.84 10.18 9.01
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.66 6.8 4.62 5.2 5.89 7.74 7.75
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.66 6.79 4.61 5.19 5.89 7.74 7.46
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.21 6.5 9.64 9.25 9.14 9.11 8.6
IDBI Dynamic Bond Fund Growth 21-02-2012 1.24 6.41 7.02 7.12 5.97 - 6.15
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.59 6.28 1.38 2.16 4.8 7.19 7.14
Baroda Dynamic Bond Fund - Plan A - Growth Option 30-06-2012 1.51 6.04 2.46 4.03 5.72 - 7.07
IDFC Dynamic Bond Fund -Regular Plan-GROWTH 01-12-2008 1.64 6.04 10.55 9.54 8.64 9.2 8.32
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 01-03-2017 1.44 5.79 9.56 8.48 - - 6.93
Tata Dynamic Bond Fund Regular Plan - Growth 03-09-2003 0.74 5.75 7.51 6.92 7.1 8.11 6.85
IIFL Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 1.07 5.68 7.12 6.77 6.85 - 6.89
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.76 5.67 6.54 5.45 6.41 7.49 8.34
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.67 5.48 9.92 9.01 8.56 - 8.56
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.64 5.46 10.61 9.37 9.0 8.95 6.08
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth 29-05-2009 1.75 5.32 8.41 7.71 7.84 8.35 7.63
DSP Strategic Bond Fund - Regular Plan - Growth 09-05-2007 1.19 5.3 9.61 8.98 8.07 8.61 7.06
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.68 5.15 8.34 7.61 7.54 8.37 6.58
JM Dynamic Debt Fund - Regular Plan - Growth Option 25-06-2003 0.66 5.01 5.8 6.34 6.93 7.67 6.8
Quantum Dynamic Bond Fund - Regular Plan Growth Option 01-04-2017 0.73 4.92 9.09 8.26 - - 7.21
Indiabulls Dynamic Bond Fund - Regular Plan - Growth option 30-11-2018 0.74 4.73 7.45 - - - 7.38
L&T Flexi Bond Fund - Regular Plan - Growth 24-08-2006 1.62 4.72 8.36 8.02 7.99 8.54 5.91
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.49 4.7 8.82 7.76 6.93 - 7.04
Edelweiss Money Market Fund - Regular Plan - Growth Option 27-06-2008 0.98 4.58 8.4 8.84 7.42 7.37 6.67
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.73 3.9 8.66 8.52 8.5 - 8.22
BNP PARIBAS Flexi Debt Fund-Regular Plan A - Growth Option 06-02-2009 1.66 3.86 7.65 7.28 7.7 8.17 7.8
HSBC Flexi Debt Fund-Growth 05-10-2007 1.74 3.75 8.06 7.72 6.89 7.75 7.93
BNP Paribas Flexi Debt Fund Monthly Option 09-08-2004 1.65 3.71 5.86 5.46 5.36 - 8.06
HSBC Flexi Debt Fund-Reg.Growth 05-10-2007 1.74 3.5 7.8 7.45 6.63 7.46 7.62
BNP Paribas Flexi Debt Fund Growth Option 23-09-2004 1.65 3.34 7.09 6.72 7.15 - 7.94
Franklin India Dynamic Accrual Fund-Growth 05-03-1997 0.86 2.87 2.71 4.67 6.65 7.73 8.41

Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs.

Mf Online Inc (with ARN code 160300) makes no warranties or representations, express or implied, on products offered through the platform. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.

BSE
Member Code: 32262
AMFI
ARN: 160300