Debt Funds vs Fixed Deposit

Debt Mutual Funds Vs Fixed Deposits

Fixed Deposit

Deposit Amount

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End Date

Debt Fund

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Pre-Tax Return	Investment Amount	Redeemed / Maturity Amount	Total Interest / Profit Amount	Annual Interest / Return (%)
Fixed Deposit	100000	107,186	7,186	7.19
HDFC Dynamic Debt Fund - Growth Option	100000	106,920	6,920	6.92

Post Tax Return	Pre-tax Interest / Profit Amount	Capital Gains Tax	Indexed Amount	Income / Capital Gains Tax	Post Tax Interest / Profit Amount
Fixed Deposit	7,186	Not Applicable	Not Applicable	2,156	5,030
HDFC Dynamic Debt Fund - Growth Option	6,920	Short Term	Not Applicable	2,076	4,844

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

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Data as on - 28-01-2022

Scheme Name	Launch Date	Expense Ratio (%)	1-Year Ret (%)	2-Yrs Ret (%)	3-Yrs Ret (%)	5-Yrs Ret (%)	10-Yrs Ret (%)	Since Launch Ret (%)
Franklin India Dynamic Accrual Fund-Growth	05-03-1997	0.06	13.38	7.77	5.87	6.82	8.14	8.59
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.45	10.62	9.15	4.74	4.04	7.42	7.57
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.72	6.92	7.61	7.1	4.93	7.58	8.35
IIFL Dynamic Bond Fund - Regular Plan - Growth Option	24-06-2013	0.52	6.02	6.64	7.02	6.71	-	6.9
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.65	4.65	6.73	4.54	4.05	7.31	7.64
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	1.65	4.65	6.72	4.54	4.05	7.3	7.33
Tata Dynamic Bond Fund- Regular Plan - Growth Option	03-09-2003	0.73	4.55	6.47	6.73	5.57	7.9	6.77
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.38	3.76	7.39	8.42	7.15	9.69	8.67
Indiabulls Dynamic Bond Fund - Regular Plan - Growth option	30-11-2018	0.74	3.55	5.04	6.53	-	-	6.54
IDBI Dynamic Bond Fund Growth	21-02-2012	1.21	3.54	6.54	6.27	4.44	-	6.02
JM Dynamic Debt Fund (Regular) - Growth Option	25-06-2003	0.99	3.19	5.06	5.37	6.2	7.31	6.68
Edelweiss Money Market Fund - Regular Plan - Growth Option	27-06-2008	0.97	2.98	4.54	7.23	5.94	7.1	6.43
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.65	2.97	7.07	8.6	6.89	8.32	8.36
Quantum Dynamic Bond Fund - Regular Plan Growth Option	01-04-2017	0.72	2.9	5.74	7.73	-	-	6.68
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.25	2.86	6.83	8.33	7.43	8.73	8.38
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	10-03-2017	1.12	2.31	5.68	7.56	-	-	6.22
DSP Strategic Bond Fund - Regular Plan - Growth	09-05-2007	1.14	2.22	6.94	8.24	6.34	8.2	6.95
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.81	2.21	5.11	7.14	6.3	7.83	7.83
Baroda Dynamic Bond Fund - Plan A - Growth Option	30-06-2012	1.55	2.06	5.96	2.81	3.84	-	6.79
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.64	2.01	5.64	8.26	6.55	8.06	5.94
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.69	1.91	6.45	7.27	5.62	7.86	6.52
Mahindra Manulife Dynamic Bond Yojana - Regular Plan - Growth	01-08-2018	1.62	1.81	3.4	4.76	-	-	4.86
IDFC Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.62	1.76	6.78	8.41	6.84	8.49	8.06
BNP PARIBAS Flexi Debt Fund-Regular Plan A - Growth Option	06-02-2009	1.66	1.45	5.17	6.49	5.57	7.91	7.52
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.5	1.36	5.55	7.28	5.2	-	6.76
HSBC Flexi Debt Fund-Growth	05-10-2007	1.73	1.3	4.69	6.58	5.04	7.12	7.64
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.75	1.12	5.03	6.41	5.12	7.75	7.25
L&T Flexi Bond Fund - Regular Plan - Growth	24-08-2006	1.62	1.08	5.24	6.9	5.71	8.06	5.78
HSBC Flexi Debt Fund-Reg.Growth	05-10-2007	1.74	1.05	4.43	6.32	4.78	6.84	7.33
BNP Paribas Flexi Debt Fund Growth Option	23-09-2004	1.7	0.66	4.55	5.86	4.98	-	7.45
BNP Paribas Flexi Debt Fund Monthly Income Distribution cum Capital Withdrawal Option	09-08-2004	1.7	0.63	4.31	4.98	3.94	-	7.56
ITI Dynamic Bond Fund - Regular Plan - Growth Option	15-07-2021	1.21	-	-	-	-	-	1.61