Fixed Deposit vs Debt Funds

Fixed Deposit

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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	106,480	6,480	6.48

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	6,480	Short Term	Not Applicable	1,944	4,536

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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Data as on - 29-05-2023

Scheme Name	Launch Date	Expense Ratio (%)	1-Year Ret (%)	2-Yrs Ret (%)	3-Yrs Ret (%)	5-Yrs Ret (%)	10-Yrs Ret (%)	Since Launch Ret (%)
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.19	10.07	6.14	7.06	5.74	6.73	7.62
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	1.19	10.07	6.13	7.05	5.74	6.73	7.33
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.64	8.7	5.03	4.5	7.54	7.06	5.98
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.66	8.37	4.32	5.17	7.69	7.37	8.01
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.7	8.31	4.36	4.47	6.69	6.74	6.44
Baroda BNP Paribas Dynamic Bond Fund-Defunct Plan - Growth Option	01-01-2013	0.0	8.23	-	-	-	-	6.14
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.31	8.21	5.27	5.89	7.74	9.25	8.46
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	01-01-2013	1.69	8.2	-	-	-	-	6.0
Quantum Dynamic Bond Fund - Regular Plan Growth Option	01-04-2017	0.73	7.75	4.98	4.92	7.19	-	6.56
DSP Strategic Bond Fund - Regular Plan - Growth	09-05-2007	1.05	7.15	4.41	4.28	7.5	7.33	6.8
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.61	6.8	3.41	3.76	7.33	7.16	7.68
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.75	6.73	3.64	3.4	5.86	6.56	7.0
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option	24-06-2013	0.52	6.66	5.23	6.23	6.53	-	6.68
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.5	6.62	3.03	3.53	6.25	5.77	6.41
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.95	6.59	4.57	4.93	5.67	7.01	6.59
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.11	6.46	2.97	3.01	6.41	-	5.64
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.72	6.4	6.09	5.86	5.74	6.41	8.13
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.3	6.37	4.2	5.0	7.48	8.01	8.02
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.58	6.34	2.72	3.35	-	-	4.5
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.76	6.23	3.75	3.74	6.44	6.96	5.69
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.52	6.0	12.06	9.23	5.84	7.27	7.85
Indiabulls Dynamic Bond Fund - Regular Plan - Growth option	30-11-2018	0.76	5.88	3.85	4.37	-	-	5.83
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.63	5.82	3.61	3.87	6.61	6.97	7.43
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.19	5.48	-	-	-	-	4.32
Edelweiss Money Market Fund - Regular Plan - Growth Option	27-06-2008	0.97	5.36	3.95	3.66	6.73	6.18	6.25