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 106,140 6,140 6.14
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 6,140 Short Term Not Applicable 1,842 4,298

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 - 24-01-2020
Scheme
Name
Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.67 13.66 9.08 7.18 8.14 8.88 5.98
Edelweiss Dynamic Bond Fund - Regular Plan - Growth Option 27-06-2008 1.04 12.87 9.59 6.89 7.23 7.38 6.76
IDFC Dynamic Bond Fund -Regular Plan-GROWTH 01-12-2008 1.8 11.93 9.08 6.93 7.67 8.71 8.31
Quantum Dynamic Bond Fund - Regular Plan Growth Option 01-04-2017 0.7 11.83 7.92 - - - 7.35
Axis Dynamic Bond Fund - Regular Plan - Growth Option 10-04-2011 0.6 11.68 8.73 6.75 7.89 - 8.65
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.08 11.41 9.29 7.84 8.76 8.9 8.66
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.75 11.37 9.1 7.15 8.06 - 8.52
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 01-03-2017 1.45 11.36 8.05 - - - 6.61
DSP Strategic Bond Fund - Regular Plan - Growth 09-05-2007 1.13 10.97 8.5 6.0 7.27 8.25 6.96
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.48 10.9 7.25 5.01 6.15 - 7.07
ICICI Prudential All Seasons Bond Fund Retail - Cumulative 28-03-2002 1.32 10.56 8.31 7.06 8.53 9.31 9.15
ICICI Prudential All Seasons Bond Fund - Growth 04-05-2009 1.32 10.56 8.27 7.0 8.43 9.6 8.92
ICICI Prudential All Seasons Bond Fund - Premium Growth Option 04-05-2009 1.32 10.56 8.31 7.06 8.53 9.53 8.87
HSBC Flexi Debt Fund-Growth 05-10-2007 1.75 10.55 7.62 5.32 6.44 7.68 8.13
L&T Flexi Bond Fund - Regular Plan - Growth 24-08-2006 1.62 10.34 8.02 6.09 7.73 5.82 5.86
HSBC Flexi Debt Fund-Reg.Growth 05-10-2007 1.74 10.28 7.35 5.05 6.17 7.38 7.82
Indiabulls Dynamic Bond Fund - Regular Plan - Growth option 30-11-2018 0.74 9.59 - - - - 9.23
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth 29-05-2009 1.75 9.28 6.8 5.23 6.94 7.91 7.68
BNP PARIBAS Flexi Debt Fund-Regular Plan A - Growth Option 06-02-2009 1.66 9.25 7.14 5.88 7.39 7.87 7.96
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 01-11-2004 2.09 9.02 6.61 5.1 6.72 8.19 6.53
BNP Paribas Flexi Debt Fund Growth Option 23-09-2004 0.95 8.59 6.53 5.31 6.9 - 8.27
IIFL Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 1.34 7.76 6.55 6.74 6.65 - 6.98
Tata Dynamic Bond Fund Regular Plan - Growth 03-09-2003 1.45 7.22 5.97 5.0 6.54 7.78 6.81
BNP Paribas Flexi Debt Fund Monthly Option 09-08-2004 0.95 6.35 4.86 3.74 4.78 - 8.46
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.85 6.11 3.89 3.19 5.58 7.32 8.42
JM Dynamic Debt Fund - Premium Plan - Growth Option 13-10-2004 0.66 6.04 6.75 7.0 7.68 7.73 7.26
JM Dynamic Debt Fund - Regular Plan - Growth Option 25-06-2003 0.66 6.0 6.71 6.97 7.63 7.67 6.88
IDBI Dynamic Bond Fund Growth 21-02-2012 1.62 5.75 5.3 3.09 4.75 - 5.88
Franklin India Dynamic Accrual Fund-Growth 05-03-1997 1.66 2.02 5.22 6.13 7.67 7.71 8.65
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.74 0.16 2.88 2.25 5.42 7.49 7.44
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.74 0.16 2.88 2.25 5.42 7.49 7.76
Principal Dynamic Bond Fund - Growth Option 13-05-2003 1.54 -1.81 1.65 2.11 4.85 6.77 6.9
Baroda Dynamic Bond Fund - Plan A - Growth Option 30-06-2012 1.57 -3.08 1.6 2.47 5.3 - 7.02
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.58 -3.53 -0.42 0.82 4.55 - 7.24