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	107,186	7,186	7.19
HDFC Dynamic Debt Fund - Growth Option	100000	105,787	5,787	5.79

Post Tax Return	Pre-tax Interest / Profit Amount	Capital Gains Tax	Indexed Amount	Income / Capital Gains Tax	Post Tax Interest / Profit Amount
Fixed Deposit	7,186	Not Applicable	Not Applicable	2,156	5,030
HDFC Dynamic Debt Fund - Growth Option	5,787	Short Term	Not Applicable	1,736	4,051

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 - 27-05-2022

Scheme Name	Launch Date	Expense Ratio (%)	1-Year Ret (%)	2-Yrs Ret (%)	3-Yrs Ret (%)	5-Yrs Ret (%)	10-Yrs Ret (%)	Since Launch Ret (%)
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.6	18.46	10.9	7.35	5.24	7.91	8.01
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.73	5.7	5.59	6.57	4.76	7.26	8.2
IIFL Dynamic Bond Fund - Regular Plan - Growth Option	24-06-2013	0.52	3.77	6.01	6.18	6.26	-	6.69
Tata Dynamic Bond Fund- Regular Plan - Growth Option	03-09-2003	0.72	3.73	4.78	5.92	5.55	7.78	6.71
Edelweiss Money Market Fund - Regular Plan - Growth Option	27-06-2008	0.99	2.57	2.8	5.46	5.92	7.0	6.32
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.98	2.54	4.12	4.82	5.82	7.1	6.6
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.66	2.39	5.58	4.07	4.02	6.97	7.48
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.38	2.39	4.77	7.34	6.95	9.43	8.49
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	1.66	2.38	5.57	4.06	4.02	6.97	7.13
Quantum Dynamic Bond Fund - Regular Plan Growth Option	01-04-2017	0.73	2.26	3.56	6.41	6.11	-	6.34
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.2	2.0	4.32	6.72	7.07	8.35	8.14
Indiabulls Dynamic Bond Fund - Regular Plan - Growth option	30-11-2018	0.74	1.89	3.63	5.11	-	-	5.83
IDBI Dynamic Bond Fund Growth	21-02-2012	1.16	1.85	4.47	5.05	4.54	5.67	5.78
DSP Strategic Bond Fund - Regular Plan - Growth	09-05-2007	1.14	1.66	2.83	7.17	6.29	7.9	6.78
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.64	1.47	2.44	6.58	6.19	7.76	5.83
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.81	1.43	2.85	5.78	6.07	7.51	7.59
L&T Flexi Bond Fund - Regular Plan - Growth	24-08-2006	1.62	1.28	2.49	5.61	5.81	7.77	5.66
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.75	0.64	1.74	4.98	4.7	7.42	7.02
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.7	0.52	2.6	5.53	5.32	7.47	6.33
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.66	0.32	3.61	6.81	6.52	7.89	7.98
IDFC Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.6	0.1	2.24	6.41	6.1	8.01	7.75
ITI Dynamic Bond Fund - Regular Plan - Growth Option	05-07-2021	1.45	-	-	-	-	-	2.57
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	01-01-2013	1.66	-	-	-	-	-	-0.83
Franklin India Dynamic Accrual Fund-Growth	05-03-1997	0.86	-	18.94	11.4	10.07	9.77	9.23
Baroda BNP Paribas Dynamic Bond Fund-Defunct Plan - Growth Option	01-01-2013	0.0	-	-	-	-	-	-0.71
HSBC Flexi Debt Fund-Growth	05-10-2007	1.73	-0.26	1.89	4.81	4.79	6.73	7.38
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.12	-0.45	1.3	5.9	5.43	-	5.49
HSBC Flexi Debt Fund-Reg.Growth	05-10-2007	1.74	-0.5	1.64	4.55	4.53	6.46	7.08
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.49	-0.51	2.0	5.45	5.1	6.38	6.39
Mahindra Manulife Dynamic Bond Yojana - Regular Plan - Growth	01-08-2018	1.62	-0.77	1.85	3.33	-	-	4.02