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 105,198 5,198 5.2
HDFC Dynamic Debt Fund - Growth Option 100000 102,255 2,255 2.25
Post Tax Return Pre-tax Interest / Profit Amount Capital Gains Tax Indexed Amount Income / Capital Gains Tax Post Tax Interest / Profit Amount
Fixed Deposit 5,198 Not Applicable Not Applicable 1,560 3,639
HDFC Dynamic Debt Fund - Growth Option 2,255 Short Term Not Applicable 676 1,578

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 - 27-01-2023
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 1.54 10.74 10.71 9.69 5.54 7.41 7.82
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.18 6.44 5.55 6.64 5.17 6.91 7.58
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.18 6.44 5.54 6.63 5.17 6.91 7.27
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.38 5.4 4.57 6.69 7.35 9.23 8.43
Quantum Dynamic Bond Fund - Regular Plan Growth Option 01-04-2017 0.73 5.31 4.08 5.54 6.54 - 6.43
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.65 4.78 3.38 5.36 6.89 7.35 5.88
ITI Dynamic Bond Fund - Regular Plan - Growth Option 05-07-2021 1.2 4.36 - - - - 3.88
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.98 4.09 3.68 4.73 5.53 6.94 6.54
IIFL Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 0.52 3.82 4.9 5.68 6.05 - 6.57
Edelweiss Money Market Fund - Regular Plan - Growth Option 27-06-2008 0.98 3.67 3.32 4.23 6.38 6.53 6.23
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.7 3.49 2.7 5.39 5.92 7.01 6.35
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.67 3.48 3.2 5.86 7.05 7.63 7.93
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 1.61 3.31 2.21 4.58 5.98 7.25 5.63
Indiabulls Dynamic Bond Fund - Regular Plan - Growth option 30-11-2018 0.74 3.22 3.51 4.5 - - 5.79
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.58 2.9 2.56 4.35 6.28 7.08 7.38
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.75 2.89 2.01 4.3 5.34 6.98 6.93
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.31 2.84 2.9 5.48 7.0 8.05 8.0
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.75 2.54 4.73 5.88 5.1 6.74 8.12
DSP Strategic Bond Fund - Regular Plan - Growth 09-05-2007 1.14 2.21 2.25 5.27 6.61 7.36 6.64
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.12 2.07 2.26 4.45 5.93 - 5.52
IDFC Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.62 1.94 1.87 5.04 6.69 7.42 7.62
Mahindra Manulife Dynamic Bond Yojana - Regular Plan - Growth 01-08-2018 1.61 1.73 1.79 2.84 - - 4.15
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.51 1.48 1.44 4.15 5.42 5.92 6.27
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 01-01-2013 1.69 - - - - - 3.56
Baroda BNP Paribas Dynamic Bond Fund-Defunct Plan - Growth Option 01-01-2013 0.0 - - - - - 3.72

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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