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 105,198 5,198 5.2
HDFC Dynamic Debt Fund - Growth Option 100000 110,018 10,018 10.02
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 10,018 Short Term Not Applicable 3,005 7,012

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 - 24-09-2021
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 13.6 3.94 5.6 6.44 7.82 8.47
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.77 10.0 9.43 7.67 5.69 7.95 8.49
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.59 7.92 6.45 3.48 4.34 7.41 7.42
Baroda Dynamic Bond Fund - Plan A - Growth Option 30-06-2012 1.51 7.7 7.23 4.71 4.67 - 7.08
IIFL Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 0.52 7.62 7.46 7.72 6.98 - 7.05
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.42 6.67 9.37 9.57 8.17 10.03 8.92
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.65 6.62 3.82 5.76 4.39 7.61 7.76
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.65 6.6 3.81 5.76 4.39 7.6 7.49
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.67 6.39 9.19 10.24 7.9 8.64 8.69
Indiabulls Dynamic Bond Fund - Regular Plan - Growth option 30-11-2018 0.74 6.29 6.24 - - - 7.16
Tata Dynamic Bond Fund- Regular Plan - Growth Option 03-09-2003 0.73 6.01 7.23 7.52 6.21 8.06 6.86
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.26 5.93 8.38 9.84 8.16 9.04 8.59
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.7 5.68 7.52 8.73 6.5 8.35 6.69
IDBI Dynamic Bond Fund Growth 21-02-2012 1.22 5.62 7.85 7.48 5.01 - 6.14
Quantum Dynamic Bond Fund - Regular Plan Growth Option 01-04-2017 0.72 5.06 7.67 8.88 - - 7.19
DSP Strategic Bond Fund - Regular Plan - Growth 09-05-2007 1.08 4.9 8.33 9.85 7.03 8.55 7.11
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.5 4.69 7.42 8.94 6.06 - 7.1
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.8 4.43 6.75 8.76 7.53 - 8.14
IDFC Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.61 4.41 8.07 10.15 7.74 8.97 8.28
JM Dynamic Debt Fund (Regular) - Growth Option 25-06-2003 0.99 4.34 5.55 6.01 6.61 7.53 6.77
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.64 4.28 7.28 9.43 7.57 8.6 6.06
BNP PARIBAS Flexi Debt Fund-Regular Plan A - Growth Option 06-02-2009 1.66 4.19 6.71 7.83 6.5 8.16 7.75
HSBC Flexi Debt Fund-Growth 05-10-2007 1.73 4.15 6.0 8.19 5.83 7.56 7.86
HSBC Flexi Debt Fund-Reg.Growth 05-10-2007 1.74 3.89 5.74 7.93 5.57 7.28 7.55
Mahindra Manulife Dynamic Bond Yojana - Regular Plan - Growth 01-08-2018 1.62 3.88 5.19 5.9 - - 5.58
BNP Paribas Flexi Debt Fund Monthly Income Distribution cum Capital Withdrawal Option 09-08-2004 1.84 3.74 5.77 6.04 4.57 - 7.91
L&T Flexi Bond Fund - Regular Plan - Growth 24-08-2006 1.62 3.73 6.8 8.39 6.69 8.39 5.93
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 10-03-2017 1.43 3.59 6.88 9.03 - - 6.69
BNP Paribas Flexi Debt Fund Growth Option 23-09-2004 1.84 3.39 6.14 7.21 5.91 - 7.8
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.75 3.07 5.89 7.39 6.08 8.05 7.45
Edelweiss Money Market Fund - Regular Plan - Growth Option 27-06-2008 0.98 2.98 5.27 8.62 6.35 7.25 6.52
ITI Dynamic Bond Fund - Regular Plan - Growth Option 15-07-2021 0.0 - - - - - 1.38