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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 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

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