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 104,331 4,331 4.33
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 4,331 Short Term Not Applicable 1,299 3,031

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 - 17-09-2019
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 1.02 15.91 7.94 7.31 8.26 7.27 6.8
IDFC Dynamic Bond Fund -Regular Plan-GROWTH 01-12-2008 1.8 14.66 6.8 7.78 9.3 8.51 8.35
SBI Dynamic Bond Fund - Regular Plan - Growth (Previously Magnum NRI) 09-02-2004 1.65 14.31 7.03 8.04 9.44 8.76 5.93
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.28 13.65 7.12 8.44 9.68 - 8.62
DSP Strategic Bond Fund - Regular Plan - Growth 09-05-2007 1.03 13.4 6.43 6.49 8.56 8.16 6.96
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.08 13.18 8.0 8.26 9.21 8.77 8.66
HSBC Flexi Debt Fund-Growth 05-10-2007 1.74 13.13 5.85 6.02 7.84 7.69 8.22
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 24-03-2017 1.46 13.12 6.64 - - - 6.47
HSBC Flexi Debt Fund-Reg.Growth 05-10-2007 1.74 12.84 5.58 5.76 7.57 7.39 7.9
Axis Dynamic Bond Fund - Growth Option 27-04-2011 1.4 12.36 6.79 7.24 8.89 - 8.61
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.47 12.34 5.7 5.46 7.32 - 7.08
L&T Flexi Bond Fund - Regular Plan - Growth 24-08-2006 1.6 11.85 6.81 6.91 9.04 5.56 5.82
Quantum Dynamic Bond Fund - Regular Plan Growth Option 01-04-2017 0.71 11.71 5.72 - - - 7.03
Reliance Dynamic Bond Fund-Growth Plan-Growth Option 03-11-2004 2.06 11.63 5.32 6.16 8.46 8.1 6.61
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth 29-05-2009 1.75 10.85 5.21 6.52 8.54 7.92 7.81
BNP PARIBAS Flexi Debt Fund-Regular Plan A - Growth Option 06-02-2009 1.66 10.47 5.58 6.67 8.68 7.8 8.0
ICICI Prudential All Seasons Bond Fund - Growth 04-05-2009 1.3 10.3 6.3 7.74 9.83 9.25 8.9
ICICI Prudential All Seasons Bond Fund - Premium Growth Option 04-05-2009 1.3 10.3 6.36 7.8 9.98 9.19 8.84
ICICI Prudential All Seasons Bond Fund Retail - Cumulative 28-03-2002 1.3 10.3 6.36 7.8 9.98 9.22 9.14
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.68 10.1 4.62 5.13 8.34 8.33 8.35
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.68 10.1 4.62 5.13 8.34 8.33 8.27
BNP Paribas Flexi Debt Fund Growth Option 23-09-2004 1.66 9.74 4.94 6.07 8.23 - 8.36
Franklin India Dynamic Accrual Fund-Growth 05-03-1997 1.67 9.03 7.33 8.27 9.42 8.21 8.9
Tata Dynamic Bond Fund Regular Plan - Growth 03-09-2003 1.46 8.39 4.57 5.83 7.82 7.67 6.84
IIFL Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 1.34 7.95 5.85 6.71 7.83 - 6.94
IDBI Dynamic Bond Fund Growth 21-02-2012 1.63 7.01 2.75 3.43 5.68 - 5.75
JM Dynamic Debt Fund - Premium Plan - Growth Option 13-10-2004 0.66 7.01 7.15 7.37 7.98 7.73 7.32
JM Dynamic Debt Fund - Regular Plan - Growth Option 25-06-2003 0.66 7.0 7.14 7.35 7.93 7.66 6.92
BNP Paribas Flexi Debt Fund Monthly Option 09-08-2004 1.66 6.93 3.36 4.09 5.76 - 8.61
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.85 4.33 1.95 3.53 7.02 7.27 8.42
Principal Dynamic Bond Fund - Growth Option 13-05-2003 1.54 0.27 0.43 2.83 6.2 6.76 6.93
Indiabulls Dynamic Bond Fund - Regular Plan - Growth option 30-11-2018 0.74 - - - - - 7.83
Baroda Dynamic Bond Fund - Plan A - Growth Option 30-06-2012 1.58 -0.11 0.8 3.2 6.76 - 7.1
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.55 -1.94 -0.32 3.29 6.33 - 7.7