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	107,101	7,101	7.08
HDFC Dynamic Debt Fund - Growth Option	100000	109,013	9,013	8.99

Post Tax Return	Pre-tax Interest / Profit Amount	Capital Gains Tax	Indexed Amount	Income / Capital Gains Tax	Post Tax Interest / Profit Amount
Fixed Deposit	7,101	Not Applicable	Not Applicable	2,130	4,970
HDFC Dynamic Debt Fund - Growth Option	9,013	Short Term	Not Applicable	2,704	6,309

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 - 19-11-2024

Scheme Name	Launch Date	Expense Ratio (%)	1-Year Ret (%)	2-Yrs Ret (%)	3-Yrs Ret (%)	5-Yrs Ret (%)	10-Yrs Ret (%)	Since Launch Ret (%)
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.57	10.26	8.04	5.48	6.26	7.44	7.7
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	1.19	9.93	8.85	6.18	6.71	7.37	6.9
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option	24-06-2013	0.52	9.77	8.14	6.44	6.68	7.05	6.86
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	9.45	7.83	5.8	6.55	7.84	8.03
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.71	9.34	8.1	5.82	6.2	6.97	6.5
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	0.96	9.21	8.06	6.62	6.71	-	6.86
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.64	8.87	7.33	5.47	5.63	7.29	7.42
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.52	8.85	7.5	5.29	6.61	6.51	8.1
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.78	8.81	7.41	5.62	5.74	7.22	5.83
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.23	8.75	7.7	6.97	6.09	6.62	7.61
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.54	8.63	7.32	7.95	8.21	6.94	7.78
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.5	8.59	7.31	4.69	5.44	6.16	6.46
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.45	8.53	7.93	6.44	6.45	7.69	6.07
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.56	8.47	7.46	5.53	6.68	7.53	7.89
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.57	8.44	6.98	4.72	4.53	-	5.04
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.19	8.44	7.03	5.68	-	-	5.63
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	01-01-2013	1.69	8.29	7.45	5.89	5.68	6.72	7.24
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.29	8.14	7.75	6.45	7.33	8.24	8.39
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.97	8.04	6.97	5.79	5.62	6.69	6.6
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.75	7.85	6.62	5.06	5.16	6.5	6.91
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.08	7.27	6.51	4.62	5.27	-	5.76
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.45	7.22	6.17	4.85	5.09	-	5.87