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Fixed Deposit vs Debt Funds

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Fixed Deposit vs Debt Funds

Fixed Deposit vs Debt Funds

Fixed Deposit

Deposit Amount

Start Date

FD Term (in years)

Debt Fund

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To see Top performing debt funds by category and period, please scroll down

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Income Tax Rate

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Pre-Tax Return	Investment Amount	Redeemed / Maturity Amount	Total Interest / Profit Amount	Annual Interest / Return (%)
Fixed Deposit	100000	106660.16	6660.1600000000035	6.66
HDFC Dynamic Debt Fund - Growth Option	100000	102,928	2,928	2.93

Post Tax Return	Pre-tax Interest / Profit Amount	Capital Gains Tax	Indexed Amount	Income / Capital Gains Tax	Post Tax Interest / Profit Amount
Fixed Deposit	6660.1600000000035	Not Applicable	Not Applicable	1998.05	4662.110000000001
HDFC Dynamic Debt Fund - Growth Option	2,928	Short Term	Not Applicable	879	2,050

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

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Scheme Name	Launch Date	Expense Ratio (%)	1-Year Ret (%)	2-Yrs Ret (%)	3-Yrs Ret (%)	5-Yrs Ret (%)	10-Yrs Ret (%)	Since Launch Ret (%)
360 One Dynamic Bond Reg Gr	24-06-2013	0.61	5.41	8.01	7.95	6.85	6.88	6.95
Axis Dynamic Bond Reg Gr	01-04-2011	0.65	5.37	7.36	7.25	6.15	7.13	7.81
Mirae Asset Dynamic Bond Reg Gr	05-03-2017	1.02	4.73	6.36	6.32	5.02	-	5.83
ICICI Pru All Seasons Bond Gr	01-05-2009	1.32	4.65	7.03	7.17	6.5	7.54	8.22
Bandhan Dynamic Bond Reg Gr	01-12-2008	1.66	4.64	5.59	6.81	5.4	6.78	7.49
ABSL Dynamic Bond Gr Reg	27-09-2004	1.23	4.55	7.03	7.15	6.77	5.87	7.54
SBI Dynamic Bond Reg Gr	10-02-2004	1.37	4.48	6.28	6.72	6.12	7.0	6.06
Kotak Dynamic Bond Reg Gr	26-05-2008	1.34	4.36	6.48	7.06	6.01	7.23	7.85
Nippon India Dynamic Bond Gr Gr	05-11-2004	0.74	4.34	7.13	7.19	6.2	6.5	6.52
MahIndra Manulife Dynamic Bond Fund Reg Gr	01-08-2018	1.54	3.69	6.01	6.4	4.97	-	5.2
UTI Dynamic Bond Reg Gr	23-06-2010	1.69	3.46	6.25	6.52	8.79	6.3	7.57
Quantum Dynamic Term Fund Reg Plan Gr	05-04-2017	0.99	3.13	6.0	6.81	6.25	-	6.65
HDFC Dynamic Debt Gr	28-04-1997	1.43	2.93	5.55	6.27	5.11	5.69	7.92
JM Dynamic Debt Reg Gr	25-06-2003	0.97	2.91	6.18	6.42	5.69	6.2	6.54
HSBC Dynamic Bond Fund Reg Gr	01-01-2013	0.64	2.9	5.82	6.43	5.4	6.27	5.79
PGIM India Dynamic Bond Gr	12-01-2012	1.68	1.96	5.13	5.96	5.09	6.41	7.09
DSP Strategic Bond Reg Gr	16-05-2007	1.17	1.93	4.87	6.11	5.53	6.44	6.67
ITI Dynamic Bond Fund Reg Gr	14-07-2021	1.22	1.43	4.62	5.54	5.06	-	5.07
Groww Dynamic Term Fund Reg Plan Gr	30-11-2018	1.37	1.28	4.28	4.82	4.44	-	5.39
Baroda BNP Paribas Dynamic Bond Fund Gr	23-09-2004	1.72	0.99	4.5	5.39	5.12	5.73	7.29
Canara Robeco Dynamic Bond Reg Gr	29-05-2009	1.71	0.77	3.77	4.8	4.36	5.52	6.57
Union Dynamic Bond Gr	13-02-2012	1.54	0.37	4.22	5.19	4.39	5.36	6.12