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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 105,198 5,198 5.2
HDFC Dynamic Debt Fund - Growth Option 100000 110,118 10,118 10.12
Post Tax Return Pre-tax Interest / Profit Amount Capital Gains Tax Indexed Amount Income / Capital Gains Tax Post Tax Interest / Profit Amount
Fixed Deposit 5,198 Not Applicable Not Applicable 1,560 3,639
HDFC Dynamic Debt Fund - Growth Option 10,118 Short Term Not Applicable 3,035 7,082

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 - 17-09-2021
Scheme
Name
Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
Franklin India Dynamic Accrual Fund-Growth 05-03-1997 0.06 13.63 3.69 5.44 6.41 7.8 8.46
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.77 10.28 9.4 7.68 5.84 7.98 8.5
Baroda Dynamic Bond Fund - Plan A - Growth Option 30-06-2012 1.51 7.87 7.1 4.64 4.74 - 7.09
IIFL Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 0.52 7.82 7.53 7.67 7.04 - 7.08
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.42 6.84 9.17 9.55 8.31 10.05 8.94
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.65 6.71 3.57 5.7 4.5 7.64 7.77
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.65 6.7 3.56 5.7 4.5 7.64 7.5
Indiabulls Dynamic Bond Fund - Regular Plan - Growth option 30-11-2018 0.74 6.15 6.16 - - - 7.21
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.26 6.01 8.28 9.89 8.27 9.05 8.6
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.67 6.01 9.08 10.16 7.97 8.65 8.69
Tata Dynamic Bond Fund- Regular Plan - Growth Option 03-09-2003 0.73 5.9 7.04 7.49 6.31 8.07 6.86
IDBI Dynamic Bond Fund Growth 21-02-2012 1.22 5.8 7.71 7.48 5.12 - 6.15
Quantum Dynamic Bond Fund - Regular Plan Growth Option 01-04-2017 0.72 5.1 7.43 8.84 - - 7.21
DSP Strategic Bond Fund - Regular Plan - Growth 09-05-2007 1.08 5.09 8.09 9.83 7.13 8.56 7.11
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.7 4.93 7.18 8.65 6.57 8.36 6.68
IDFC Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.61 4.89 8.01 10.19 7.87 8.99 8.29
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.5 4.67 7.23 8.91 6.17 - 7.11
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.8 4.53 6.36 8.74 7.61 - 8.15
JM Dynamic Debt Fund (Regular) - Growth Option 25-06-2003 0.99 4.49 5.59 6.05 6.64 7.54 6.77
HSBC Flexi Debt Fund-Growth 05-10-2007 1.73 4.43 5.87 8.23 5.96 7.58 7.88
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.64 4.28 7.13 9.47 7.68 8.63 6.06
BNP PARIBAS Flexi Debt Fund-Regular Plan A - Growth Option 06-02-2009 1.66 4.27 6.48 7.79 6.59 8.17 7.75
HSBC Flexi Debt Fund-Reg.Growth 05-10-2007 1.74 4.18 5.61 7.97 5.7 7.31 7.57
L&T Flexi Bond Fund - Regular Plan - Growth 24-08-2006 1.62 4.12 6.68 8.38 6.82 8.42 5.93
Mahindra Manulife Dynamic Bond Yojana - Regular Plan - Growth 01-08-2018 1.62 4.09 5.16 5.83 - - 5.62
BNP Paribas Flexi Debt Fund Monthly Income Distribution cum Capital Withdrawal Option 09-08-2004 1.84 3.82 5.55 6.0 4.67 - 7.91
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 10-03-2017 1.43 3.75 7.07 9.05 - - 6.73
BNP Paribas Flexi Debt Fund Growth Option 23-09-2004 1.84 3.48 5.91 7.18 6.0 - 7.81
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.75 3.17 5.67 7.37 6.18 8.06 7.46
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.59 3.03 3.84 1.88 3.51 6.93 7.0
Edelweiss Money Market Fund - Regular Plan - Growth Option 27-06-2008 0.98 3.0 5.06 8.56 6.41 7.26 6.53
ITI Dynamic Bond Fund - Regular Plan - Growth Option 15-07-2021 0.0 - - - - - 1.27