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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	106975.37	6975.369999999995	6.98
HDFC Dynamic Debt Fund - Growth Option	100000	100,003	3	0.0

Post Tax Return	Pre-tax Interest / Profit Amount	Capital Gains Tax	Indexed Amount	Income / Capital Gains Tax	Post Tax Interest / Profit Amount
Fixed Deposit	6975.369999999995	Not Applicable	Not Applicable	2092.61	4882.759999999995
HDFC Dynamic Debt Fund - Growth Option	3	Short Term	Not Applicable	1	2

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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Select Period

Scheme Name	Launch Date	Expense Ratio (%)	1-Year Ret (%)	2-Yrs Ret (%)	3-Yrs Ret (%)	5-Yrs Ret (%)	10-Yrs Ret (%)	Since Launch Ret (%)
Mirae Asset Dynamic Bond Reg Gr	05-03-2017	1.02	4.64	6.46	6.18	4.92	-	5.82
360 ONE Dynamic Bond Reg Gr	24-06-2013	0.59	3.67	7.45	7.26	6.51	6.72	6.83
ICICI Pru All Seasons Bond Gr	01-05-2009	1.27	3.08	6.44	6.68	6.16	7.68	8.15
Axis Dynamic Bond Reg Gr	01-04-2011	0.63	2.89	6.66	6.49	5.65	7.1	7.71
ABSL Dynamic Bond Gr Reg	27-09-2004	1.23	2.26	6.58	6.64	6.47	5.99	7.49
ABSL Dynamic Bond-Discipline Advtg Gr	30-03-2009	1.23	2.26	6.58	6.64	6.46	5.99	7.21
UTI Dynamic Bond Reg Gr	23-06-2010	1.68	2.19	5.99	6.24	8.55	6.49	7.54
Nippon India Dynamic Bond Gr Gr	05-11-2004	0.75	2.0	6.62	6.47	5.69	6.55	6.45
SBI Dynamic Bond Reg Gr	10-02-2004	1.37	1.88	5.92	6.15	5.76	7.15	6.01
Mahindra Manulife Dynamic Bond Fund Reg Gr	01-08-2018	1.56	1.65	5.49	5.73	4.58	-	5.0
Kotak Dynamic Bond Reg Gr	26-05-2008	1.33	1.64	5.94	6.39	5.55	7.22	7.76
JM Dynamic Debt Reg Gr	25-06-2003	0.97	1.15	5.93	5.91	5.43	6.15	6.51
Bandhan Dynamic Bond Reg Gr	01-12-2008	1.77	0.72	5.04	5.8	4.93	6.75	7.37
Quantum Dynamic Bond Reg Gr	05-04-2017	1.02	0.55	5.4	6.29	5.81	-	6.48
HSBC Dynamic Bond Fund Reg Gr	01-01-2013	0.82	0.31	5.34	5.82	5.05	6.37	5.72
ITI Dynamic Bond Fund Reg Gr	14-07-2021	1.25	0.28	4.69	5.42	-	-	5.02
HDFC Dynamic Debt Gr	28-04-1997	1.42	-	4.83	5.54	5.79	5.76	7.86
PGIM India Dynamic Bond Gr	12-01-2012	1.67	-0.08	4.86	5.46	4.79	6.5	7.03
Groww Dynamic Term Fund (formerly known as Indiabulls Dynamic Bond Fund) Reg Plan Gr	30-11-2018	1.46	-0.44	4.06	4.41	4.27	-	5.29
Baroda BNP Paribas Dynamic Bond Fund Gr	23-09-2004	1.7	-1.23	4.24	4.91	4.76	5.85	7.26
Canara Robeco Dynamic Bond Reg Gr	29-05-2009	1.74	-1.61	3.7	4.33	4.11	5.66	6.53
DSP Strategic Bond Reg Gr	16-05-2007	1.21	-1.82	4.24	5.25	5.0	6.44	6.56
Union Dynamic Bond Gr	13-02-2012	1.55	-2.78	3.58	4.38	3.92	5.36	6.0