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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 106,416 6,416 6.4
HDFC Dynamic Debt Fund - Growth Option 100000 108,234 8,234 8.21
Post Tax Return Pre-tax Interest / Profit Amount Capital Gains Tax Indexed Amount Income / Capital Gains Tax Post Tax Interest / Profit Amount
Fixed Deposit 6,416 Not Applicable Not Applicable 1,925 4,491
HDFC Dynamic Debt Fund - Growth Option 8,234 Short Term Not Applicable 2,470 5,764

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 - 25-01-2021
Scheme
Name
Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
IDFC Dynamic Bond Fund -Regular Plan-GROWTH 01-12-2008 1.67 11.93 11.89 10.04 9.2 9.52 8.6
DSP Strategic Bond Fund - Regular Plan - Growth 09-05-2007 1.19 11.74 11.34 9.6 8.58 8.94 7.29
Axis Dynamic Bond Fund - Regular Plan - Growth Option | Invest Online 01-04-2011 0.67 11.4 11.52 9.64 9.12 - 8.92
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.59 11.15 10.84 9.24 9.98 10.28 9.11
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.67 11.1 10.03 8.11 8.19 8.76 6.81
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.16 10.87 11.13 9.8 9.61 9.39 8.82
Baroda Dynamic Bond Fund - Plan A - Growth Option 30-06-2012 1.51 10.08 3.23 4.38 6.16 - 7.37
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.51 9.89 10.37 8.15 7.44 - 7.37
L&T Flexi Bond Fund - Regular Plan - Growth 24-08-2006 1.62 9.6 9.95 8.58 8.57 8.83 6.11
IDBI Dynamic Bond Fund Growth 21-02-2012 1.54 9.6 7.63 6.75 6.1 - 6.29
SBI Dynamic Bond Fund - Regular Plan - Growth | Invest Online 10-02-2004 1.65 9.49 11.53 9.28 9.25 9.13 6.18
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 01-03-2017 1.45 9.15 10.26 8.44 - - 7.26
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth 29-05-2009 1.75 9.11 9.18 7.61 8.15 8.54 7.8
BNP PARIBAS Flexi Debt Fund-Regular Plan A - Growth Option 06-02-2009 1.66 9.0 9.09 7.79 8.25 8.46 8.04
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.66 8.94 4.49 4.9 6.06 7.84 7.83
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.66 8.93 4.49 4.9 6.05 7.84 7.57
Quantum Dynamic Bond Fund - Regular Plan Growth Option 01-04-2017 0.73 8.67 10.22 8.2 - - 7.68
BNP Paribas Flexi Debt Fund Growth Option 23-09-2004 1.65 8.55 8.53 7.23 7.71 - 8.3
Tata Dynamic Bond Fund Regular Plan - Growth 03-09-2003 1.42 8.5 7.85 6.81 7.17 8.2 6.9
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.86 8.34 7.23 5.35 6.65 7.69 8.41
HSBC Flexi Debt Fund-Growth 05-10-2007 1.73 8.19 9.34 7.84 7.3 8.02 8.13
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.8 8.13 9.71 8.82 8.89 - 8.47
BNP Paribas Flexi Debt Fund Monthly Option 09-08-2004 1.65 8.13 7.2 5.97 5.9 - 8.42
HSBC Flexi Debt Fund-Reg.Growth 05-10-2007 1.74 7.93 9.07 7.57 7.04 7.73 7.82
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.59 7.72 1.93 2.22 4.97 7.33 7.29
IIFL Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 1.07 7.33 7.54 6.81 7.07 - 7.02
JM Dynamic Debt Fund - Regular Plan - Growth Option 25-06-2003 0.66 6.92 6.45 6.78 7.23 7.81 6.88
Indiabulls Dynamic Bond Fund - Regular Plan - Growth option 30-11-2018 0.74 6.54 8.05 - - - 7.95
Edelweiss Money Market Fund - Regular Plan - Growth Option 27-06-2008 0.99 6.18 9.46 8.47 7.37 7.42 6.71
Quant Dynamic Bond-Growth 22-05-1998 0.21 4.64 5.34 4.93 5.29 7.86 8.55
Franklin India Dynamic Accrual Fund-Growth 05-03-1997 0.86 2.6 2.31 4.34 6.31 7.65 8.39