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 105,823 5,823 5.82
HDFC Dynamic Debt Fund - Growth Option 100000 106,449 6,449 6.45
Post Tax Return Pre-tax Interest / Profit Amount Capital Gains Tax Indexed Amount Income / Capital Gains Tax Post Tax Interest / Profit Amount
Fixed Deposit 5,823 Not Applicable Not Applicable 1,747 4,076
HDFC Dynamic Debt Fund - Growth Option 6,449 Short Term Not Applicable 1,935 4,514

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 - 07-05-2021
Scheme
Name
Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
Franklin India Dynamic Accrual Fund-Growth 05-03-1997 0.06 10.37 3.89 5.44 6.9 7.9 8.5
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.37 10.2 5.01 5.27 5.49 7.77 7.79
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.37 10.19 5.0 5.26 5.48 7.77 7.52
IDBI Dynamic Bond Fund Growth 21-02-2012 1.17 8.44 6.99 7.05 5.8 - 6.21
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.51 8.44 10.4 9.23 9.2 10.18 9.01
IIFL Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 0.85 7.66 7.27 7.01 6.87 - 6.99
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.25 7.63 9.76 9.55 8.92 9.14 8.63
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.67 7.52 10.75 9.78 8.56 8.78 8.76
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.81 6.31 7.44 5.31 5.74 7.5 8.32
JM Dynamic Debt Fund (Regular) - Growth Option 25-06-2003 0.66 6.26 6.03 6.47 6.96 7.73 6.83
Tata Dynamic Bond Fund Regular Plan - Growth 03-09-2003 0.74 6.22 7.54 7.16 6.91 8.12 6.88
Baroda Dynamic Bond Fund - Plan A - Growth Option 30-06-2012 1.52 5.37 3.36 4.03 5.47 - 7.16
Indiabulls Dynamic Bond Fund - Regular Plan - Growth option 30-11-2018 0.74 5.25 7.33 - - - 7.48
IDFC Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.58 5.05 10.68 9.94 8.67 9.27 8.4
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.5 4.93 9.33 8.22 6.83 - 7.16
HSBC Flexi Debt Fund-Growth 05-10-2007 1.74 4.92 8.31 7.94 6.78 7.81 7.98
Quantum Dynamic Bond Fund - Regular Plan Growth Option 01-04-2017 0.71 4.88 9.47 8.65 - - 7.42
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.73 4.82 8.74 8.51 8.22 - 8.29
DSP Strategic Bond Fund - Regular Plan - Growth 09-05-2007 1.04 4.73 10.19 9.54 8.0 8.74 7.17
HSBC Flexi Debt Fund-Reg.Growth 05-10-2007 1.74 4.67 8.05 7.67 6.52 7.53 7.67
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.71 4.59 8.84 8.03 7.41 8.51 6.68
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.59 4.48 2.69 1.81 4.48 7.13 7.12
L&T Flexi Bond Fund - Regular Plan - Growth 24-08-2006 1.62 4.26 8.55 8.13 7.73 8.59 5.96
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.64 4.1 10.16 9.27 8.69 8.89 6.1
BNP PARIBAS Flexi Debt Fund-Regular Plan A - Growth Option 06-02-2009 1.66 3.94 7.91 7.58 7.58 8.27 7.87
BNP Paribas Flexi Debt Fund Monthly Income Distribution cum Capital Withdrawal Option 09-08-2004 1.84 3.64 6.3 5.73 5.38 - 8.13
CANARA ROBECO DYNAMIC BOND FUND - REGULAR PLAN - GROWTH OPTION 29-05-2009 1.75 3.61 8.05 7.29 7.24 8.29 7.59
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.42 3.55 9.58 8.61 - - 7.0
Edelweiss Money Market Fund - Regular Plan - Growth Option 27-06-2008 0.98 3.42 7.86 8.46 7.06 7.35 6.63
BNP Paribas Flexi Debt Fund Growth Option 23-09-2004 1.84 3.28 7.34 7.0 7.01 - 8.02