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	105,095	5,095	5.09
HDFC Dynamic Debt Fund - Growth Option	100000	101,093	1,093	1.09

Post Tax Return	Pre-tax Interest / Profit Amount	Capital Gains Tax	Indexed Amount	Income / Capital Gains Tax	Post Tax Interest / Profit Amount
Fixed Deposit	5,095	Not Applicable	Not Applicable	1,528	3,566
HDFC Dynamic Debt Fund - Growth Option	1,093	Short Term	Not Applicable	328	765

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 - 07-12-2022

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	1.54	9.64	10.39	8.98	5.18	7.57	7.85
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.18	5.75	5.58	6.92	4.77	7.01	7.6
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	1.18	5.75	5.57	6.91	4.77	7.01	7.3
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.64	4.2	3.08	5.75	6.59	7.61	5.9
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.38	4.15	4.38	7.14	7.21	9.29	8.47
Quantum Dynamic Bond Fund - Regular Plan Growth Option	01-04-2017	0.73	4.07	3.91	6.24	6.21	-	6.45
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.98	3.71	3.32	4.77	5.61	6.98	6.56
IIFL Dynamic Bond Fund - Regular Plan - Growth Option	24-06-2013	0.52	3.45	4.61	5.83	6.0	-	6.61
ITI Dynamic Bond Fund - Regular Plan - Growth Option	05-07-2021	1.2	3.32	-	-	-	-	3.7
Edelweiss Money Market Fund - Regular Plan - Growth Option	27-06-2008	0.98	3.25	3.04	4.43	5.97	6.67	6.24
Indiabulls Dynamic Bond Fund - Regular Plan - Growth option	30-11-2018	0.74	2.52	3.03	4.47	-	-	5.75
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.75	2.39	1.9	4.47	4.98	7.21	6.97
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	1.61	2.34	1.99	4.83	5.77	7.46	5.64
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.3	2.22	2.94	5.85	6.97	8.15	8.06
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.58	2.13	2.39	4.73	5.95	7.33	7.43
IDBI Dynamic Bond Fund Growth	21-02-2012	1.17	1.91	3.61	5.8	5.05	5.51	5.81
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.66	1.76	3.05	6.31	6.93	7.79	7.98
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.69	1.53	2.7	5.51	5.58	7.24	6.36
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.75	1.24	4.67	6.08	4.81	6.95	8.14
DSP Strategic Bond Fund - Regular Plan - Growth	09-05-2007	1.14	1.15	1.98	5.72	6.23	7.51	6.65
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.11	1.09	1.88	4.61	5.7	-	5.54
IDFC Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.62	0.82	1.56	5.59	6.28	7.66	7.64
Mahindra Manulife Dynamic Bond Yojana - Regular Plan - Growth	01-08-2018	1.61	0.54	1.67	3.03	-	-	4.16
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	01-01-2013	1.69	-	-	-	-	-	2.94
Baroda BNP Paribas Dynamic Bond Fund-Defunct Plan - Growth Option	01-01-2013	0.0	-	-	-	-	-	3.09
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.51	-0.15	1.22	4.5	5.2	6.14	6.31