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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 104,206 4,206 4.21
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 4,206 Short Term Not Applicable 1,262 2,944

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 - 13-11-2019
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 1.01 15.1 8.57 7.11 7.66 7.44 6.79
SBI Dynamic Bond Fund - Regular Plan - Growth (Previously Magnum NRI) | Invest Online 09-02-2004 1.66 13.56 7.75 7.66 8.96 8.85 5.93
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.08 12.98 8.5 7.93 9.11 8.84 8.67
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.64 12.89 7.69 8.06 8.99 - 8.55
IDFC Dynamic Bond Fund -Regular Plan-GROWTH 01-12-2008 1.8 12.84 7.62 7.33 8.61 8.57 8.32
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 12-03-2017 1.45 12.72 7.4 - - - 6.64
DSP Strategic Bond Fund - Regular Plan - Growth 09-05-2007 1.03 12.12 7.19 6.12 8.01 8.2 6.95
HSBC Flexi Debt Fund-Growth 05-10-2007 1.74 11.89 6.64 5.68 7.31 7.7 8.19
Axis Dynamic Bond Fund - Growth Option 27-04-2011 1.28 11.79 7.53 6.9 8.37 - 8.57
L&T Flexi Bond Fund - Regular Plan - Growth 24-08-2006 1.6 11.66 7.39 6.62 8.78 5.7 5.85
HSBC Flexi Debt Fund-Reg.Growth 05-10-2007 1.74 11.62 6.38 5.41 7.04 7.4 7.87
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.47 11.55 6.37 5.17 6.87 - 7.07
Quantum Dynamic Bond Fund - Regular Plan Growth Option 01-04-2017 0.71 10.87 6.45 - - - 6.96
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 03-11-2004 1.91 10.84 5.92 5.72 7.77 8.19 6.59
ICICI Prudential All Seasons Bond Fund - Premium Growth Option 04-05-2009 1.32 10.52 7.22 7.38 9.31 9.31 8.82
ICICI Prudential All Seasons Bond Fund - Growth 04-05-2009 1.32 10.52 7.16 7.32 9.18 9.37 8.87
ICICI Prudential All Seasons Bond Fund Retail - Cumulative 28-03-2002 1.32 10.52 7.22 7.38 9.31 9.2 9.12
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth 29-05-2009 1.75 9.94 5.79 6.01 7.89 7.91 7.75
BNP PARIBAS Flexi Debt Fund-Regular Plan A - Growth Option 06-02-2009 1.66 9.7 6.13 6.33 8.22 7.87 7.98
BNP Paribas Flexi Debt Fund Growth Option 23-09-2004 1.66 8.94 5.47 5.73 7.73 - 8.3
Franklin India Dynamic Accrual Fund-Growth 05-03-1997 1.67 8.53 7.17 7.96 8.99 8.17 8.87
IIFL Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 1.34 8.47 6.26 6.8 7.5 - 7.0
Tata Dynamic Bond Fund Regular Plan - Growth 03-09-2003 1.46 8.1 5.25 5.45 7.36 7.73 6.83
JM Dynamic Debt Fund - Premium Plan - Growth Option 13-10-2004 0.66 6.65 6.96 7.19 7.83 7.74 7.3
JM Dynamic Debt Fund - Regular Plan - Growth Option 25-06-2003 0.66 6.64 6.95 7.17 7.79 7.67 6.9
BNP Paribas Flexi Debt Fund Monthly Option 09-08-2004 1.66 6.18 3.91 3.93 5.39 - 8.53
IDBI Dynamic Bond Fund Growth 21-02-2012 1.63 6.12 3.65 3.2 5.24 - 5.79
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.69 5.95 3.95 3.86 7.16 7.95 8.1
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.69 5.95 3.95 3.86 7.16 7.95 7.93
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.85 4.21 2.71 3.27 6.44 7.33 8.43
Indiabulls Dynamic Bond Fund - Regular Plan - Growth option 30-11-2018 0.74 - - - - - 9.57
Principal Dynamic Bond Fund - Growth Option 13-05-2003 1.54 -0.44 0.87 2.53 5.67 6.76 6.93
Baroda Dynamic Bond Fund - Plan A - Growth Option 30-06-2012 1.56 -1.85 1.22 2.82 6.2 - 7.07
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.55 -3.01 -0.41 2.46 5.64 - 7.52