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 109,258 9,258 9.23
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 9,258 Short Term Not Applicable 2,778 6,481

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 - 04-10-2024
Scheme
Name
Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.62 11.46 8.65 5.71 6.46 7.89 7.77
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.19 10.67 9.04 6.26 6.84 7.71 6.95
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.32 10.57 8.29 5.91 6.78 7.99 8.08
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 0.52 10.1 8.18 6.46 6.81 7.31 6.88
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 0.96 10.03 8.7 6.61 6.84 - 6.93
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.64 9.5 7.43 5.43 5.77 7.63 7.47
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.45 9.39 8.32 6.39 6.63 8.0 6.09
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.78 9.29 7.53 5.54 5.88 7.45 5.85
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.55 9.26 7.73 5.31 6.8 6.87 8.12
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.23 9.22 7.88 6.97 6.05 6.92 7.63
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.5 9.18 7.7 4.72 5.64 6.45 6.49
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.71 9.08 8.47 5.67 6.23 7.31 6.52
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.57 8.89 7.32 4.66 4.78 - 5.08
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.54 8.74 7.33 7.98 8.22 7.17 7.81
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.19 8.66 7.05 5.6 - - 5.65
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.75 8.65 7.12 5.09 5.28 6.86 6.97
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 01-01-2013 1.69 8.65 7.77 5.81 5.76 7.0 7.28
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.57 8.59 8.03 5.45 6.85 7.83 7.93
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.31 8.44 7.81 6.33 7.44 8.56 8.4
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.97 8.39 7.22 5.78 5.65 6.76 6.62
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.45 7.59 6.35 4.82 5.14 - 5.91
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.09 7.17 6.63 4.46 5.25 - 5.76

Disclaimer : We have gathered all the data, information, statistics from the sources believed to be highly reliable and true. All necessary precautions have been taken to avoid any error, lapse or insufficiency; however, no representations or warranties are made (express or implied) as to the reliability, accuracy or completeness of such information. We cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken in on, any information appearing herein. The user is advised to verify the contents of the report independently.

Returns less than 1 year are in absolute (%) and greater than 1 year are compounded annualised (CAGR %). SIP returns are shown in XIRR (%).

The Risk Level of any of the schemes must always be commensurate with the risk profile, investment objective or financial goals of the investor concerned. Mutual Fund Distributors (MFDs) or Registered Investment Advisors (RIAs) should assess the risk profile and investment needs of individual investors into consideration and make scheme(s) or asset allocation recommendations accordingly.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance may or may not be sustained in the future. Investors should always invest according to their risk profile and consult with their mutual fund distributors or financial advisor before investing.

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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