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 106,679 6,679 6.66
HDFC Dynamic Debt Fund - Growth Option 100000 109,014 9,014 8.99
Post Tax Return Pre-tax Interest / Profit Amount Capital Gains Tax Indexed Amount Income / Capital Gains Tax Post Tax Interest / Profit Amount
Fixed Deposit 6,679 Not Applicable Not Applicable 2,004 4,675
HDFC Dynamic Debt Fund - Growth Option 9,014 Short Term Not Applicable 2,704 6,310

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 - 16-10-2020
Scheme
Name
Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.67 13.1 12.62 9.07 8.85 - 9.05
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.52 12.55 11.38 8.51 9.36 10.15 9.17
IDFC Dynamic Bond Fund -Regular Plan-GROWTH 01-12-2008 1.72 12.31 13.19 9.09 8.91 9.57 8.7
DSP Strategic Bond Fund - Regular Plan - Growth 09-05-2007 1.13 11.93 12.61 8.58 8.36 8.94 7.34
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.15 11.3 12.19 9.3 9.47 9.42 8.87
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.64 10.87 12.31 8.48 8.96 9.24 6.22
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.49 10.86 11.36 7.56 7.12 - 7.49
L&T Flexi Bond Fund - Regular Plan - Growth 24-08-2006 1.62 10.36 11.22 8.25 8.38 8.85 6.16
Quantum Dynamic Bond Fund - Regular Plan Growth Option 01-04-2017 0.75 10.19 10.75 7.49 - - 7.94
IDBI Dynamic Bond Fund Growth 21-02-2012 1.54 10.17 8.15 5.34 5.46 - 6.24
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.39 9.98 11.62 8.07 - - 7.64
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.68 9.64 10.69 7.01 7.74 8.69 6.81
BNP PARIBAS Flexi Debt Fund-Regular Plan A - Growth Option 06-02-2009 1.66 9.23 9.75 6.97 7.93 8.34 8.11
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth 29-05-2009 1.75 9.11 9.72 6.68 7.66 8.58 7.89
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.77 9.1 6.62 4.57 6.15 7.66 8.45
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.76 8.94 11.17 7.81 8.39 - 8.61
Tata Dynamic Bond Fund Regular Plan - Growth 03-09-2003 1.41 8.93 8.58 6.21 7.01 8.24 6.95
BNP Paribas Flexi Debt Fund Growth Option 23-09-2004 1.65 8.91 9.22 6.42 7.4 - 8.42
HSBC Flexi Debt Fund-Growth 05-10-2007 1.74 8.34 10.43 6.92 6.97 8.06 8.22
HSBC Flexi Debt Fund-Reg.Growth 05-10-2007 1.74 8.08 10.16 6.66 6.7 7.77 7.91
BNP Paribas Flexi Debt Fund Monthly Option 09-08-2004 1.65 7.78 7.24 5.01 5.43 - 8.5
IIFL Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 1.07 7.53 7.92 6.55 6.91 - 7.04
JM Dynamic Debt Fund - Regular Plan - Growth Option 25-06-2003 0.66 7.21 7.01 7.09 7.51 7.92 6.93
Baroda Dynamic Bond Fund - Plan A - Growth Option 30-06-2012 1.51 7.05 3.12 3.03 5.38 - 7.1
Edelweiss Dynamic Bond Fund - Regular Plan - Growth Option 27-06-2008 0.98 7.0 11.19 7.79 7.36 7.56 6.81
Indiabulls Dynamic Bond Fund - Regular Plan - Growth option 30-11-2018 0.74 6.06 - - - - 8.08
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.59 5.7 1.5 1.56 4.82 7.48 7.4
Quant Dynamic Bond-Growth 22-05-1998 0.21 5.38 7.03 4.42 5.39 7.78 8.62
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.63 3.84 5.49 3.79 5.69 7.84 7.89
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.63 3.83 5.48 3.79 5.69 7.84 7.64
Franklin India Dynamic Accrual Fund-Growth 05-03-1997 0.86 -4.37 1.95 3.19 5.74 7.28 8.29