Fixed Deposit vs Debt Funds

Fixed Deposit
Debt Fund
Pre-Tax Return Investment Amount Redeemed / Maturity Amount Total Interest / Profit Amount Annual Interest / Return (%)
Fixed Deposit 100000 106,870 6,870 6.87
HDFC Dynamic Debt Fund - Growth Option 100000 104,289 4,289 4.29
Post Tax Return Pre-tax Interest / Profit Amount Capital Gains Tax Indexed Amount Income / Capital Gains Tax Post Tax Interest / Profit Amount
Fixed Deposit 6,870 Not Applicable Not Applicable 2,061 4,809
HDFC Dynamic Debt Fund - Growth Option 4,289 Short Term Not Applicable 1,287 3,002

Note: The Fixed deposit interest rate is based on historical State Bank of India Fixed deposit rates for different deposit terms. Short Term if term is less than 3 years. Long Term if term is more than three Years.

Top Performing Debt Mutual Funds

Data as on - 11-11-2019
Scheme
Name
Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
Edelweiss Dynamic Bond Fund - Regular Plan - Growth Option 27-06-2008 1.01 15.43 8.49 7.06 7.63 7.43 6.78
SBI Dynamic Bond Fund - Regular Plan - Growth (Previously Magnum NRI) 09-02-2004 1.66 13.45 7.66 7.6 8.87 8.83 5.92
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.08 12.99 8.43 7.87 9.07 8.82 8.65
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.64 12.84 7.61 8.02 8.92 - 8.54
IDFC Dynamic Bond Fund -Regular Plan-GROWTH 01-12-2008 1.8 12.7 7.46 7.23 8.49 8.55 8.3
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 06-03-2017 1.45 12.66 7.3 - - - 6.59
DSP Strategic Bond Fund - Regular Plan - Growth 09-05-2007 1.03 12.07 7.07 6.05 7.93 8.18 6.94
HSBC Flexi Debt Fund-Growth 05-10-2007 1.74 11.82 6.53 5.62 7.22 7.69 8.18
Axis Dynamic Bond Fund - Growth Option 27-04-2011 1.28 11.72 7.45 6.85 8.3 - 8.55
L&T Flexi Bond Fund - Regular Plan - Growth 24-08-2006 1.6 11.67 7.29 6.57 8.72 5.68 5.85
HSBC Flexi Debt Fund-Reg.Growth 05-10-2007 1.74 11.54 6.26 5.35 6.95 7.39 7.86
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.47 11.48 6.28 5.11 6.79 - 7.05
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 03-11-2004 1.91 10.72 5.81 5.66 7.71 8.17 6.58
Quantum Dynamic Bond Fund - Regular Plan Growth Option 01-04-2017 0.71 10.71 6.3 - - - 6.88
ICICI Prudential All Seasons Bond Fund Retail - Cumulative 28-03-2002 1.32 10.46 7.13 7.34 9.23 9.19 9.12
ICICI Prudential All Seasons Bond Fund - Premium Growth Option 04-05-2009 1.32 10.46 7.13 7.34 9.23 9.3 8.81
ICICI Prudential All Seasons Bond Fund - Growth 04-05-2009 1.32 10.46 7.07 7.27 9.1 9.35 8.86
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth 29-05-2009 1.75 9.89 5.69 5.96 7.82 7.9 7.74
BNP PARIBAS Flexi Debt Fund-Regular Plan A - Growth Option 06-02-2009 1.66 9.58 6.02 6.26 8.15 7.86 7.96
BNP Paribas Flexi Debt Fund Growth Option 23-09-2004 1.66 8.81 5.36 5.65 7.66 - 8.28
IIFL Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 1.34 8.58 6.25 6.78 7.46 - 7.0
Franklin India Dynamic Accrual Fund-Growth 05-03-1997 1.67 8.54 7.16 7.93 8.97 8.16 8.87
Tata Dynamic Bond Fund Regular Plan - Growth 03-09-2003 1.46 8.05 5.16 5.39 7.29 7.77 6.82
JM Dynamic Debt Fund - Premium Plan - Growth Option 13-10-2004 0.66 6.68 6.97 7.18 7.84 7.74 7.3
JM Dynamic Debt Fund - Regular Plan - Growth Option 25-06-2003 0.66 6.67 6.96 7.16 7.79 7.67 6.9
IDBI Dynamic Bond Fund Growth 21-02-2012 1.63 6.13 3.58 3.16 5.18 - 5.77
BNP Paribas Flexi Debt Fund Monthly Option 09-08-2004 1.66 6.06 3.8 3.86 5.32 - 8.51
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.69 5.91 3.82 3.82 7.09 7.95 7.92
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.69 5.91 3.82 3.82 7.09 7.95 8.1
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.85 4.21 2.65 3.24 6.39 7.33 8.43
Indiabulls Dynamic Bond Fund - Regular Plan - Growth option 30-11-2018 0.74 - - - - - 9.49
Principal Dynamic Bond Fund - Growth Option 13-05-2003 1.54 -0.5 0.79 2.47 5.6 6.75 6.92
Baroda Dynamic Bond Fund - Plan A - Growth Option 30-06-2012 1.56 -1.87 1.12 2.75 6.11 - 7.05
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.55 -3.12 -0.48 2.42 5.63 - 7.52