Debt Funds vs Fixed Deposit

Debt Mutual Funds Vs Fixed Deposits

Fixed Deposit
Debt Fund
Submit
Pre-Tax Return Investment Amount Redeemed / Maturity Amount Total Interest / Profit Amount Annual Interest / Return (%)
Fixed Deposit 100000 107,101 7,101 7.08
HDFC Dynamic Debt Fund - Growth Option 100000 107,011 7,011 6.99
Post Tax Return Pre-tax Interest / Profit Amount Capital Gains Tax Indexed Amount Income / Capital Gains Tax Post Tax Interest / Profit Amount
Fixed Deposit 7,101 Not Applicable Not Applicable 2,130 4,970
HDFC Dynamic Debt Fund - Growth Option 7,011 Short Term Not Applicable 2,103 4,908

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 - 28-05-2024
Scheme
Name
Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 0.96 8.08 7.91 6.01 6.99 - 6.78
DSP Strategic Bond Fund - Regular Plan - Growth 09-05-2007 1.25 7.53 7.36 5.47 7.22 7.62 6.84
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.61 7.53 7.22 4.81 6.71 7.76 7.68
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.32 7.3 6.85 5.25 6.75 7.87 7.98
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.31 7.2 7.71 5.93 7.47 8.71 8.38
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.19 6.91 6.2 - - - 5.23
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.54 6.91 6.68 6.4 6.61 6.87 8.09
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 0.52 6.89 6.81 5.82 6.43 7.21 6.71
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.78 6.82 6.54 4.79 5.97 7.42 5.76
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.23 6.79 8.43 6.38 5.77 6.84 7.58
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.64 6.74 6.33 4.69 5.96 7.57 7.39
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.44 6.73 7.74 5.63 7.01 7.9 6.02
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.56 6.65 6.32 10.24 6.91 7.2 7.77
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.57 6.31 6.36 3.93 4.54 - 4.83
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.71 6.3 7.32 5.03 6.22 7.22 6.43
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 01-01-2013 1.69 6.22 7.22 5.0 5.67 6.95 7.21
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.57 6.12 7.25 4.94 6.97 7.77 7.87
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.5 6.08 6.39 4.07 5.81 6.42 6.39
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.97 5.98 6.31 5.07 5.42 6.73 6.57
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.75 5.68 6.24 4.36 5.46 6.85 6.92
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.09 5.61 6.03 3.85 5.94 - 5.64
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.45 5.26 5.6 4.36 5.31 - 5.75

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.

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