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 105,198 5,198 5.2
HDFC Dynamic Debt Fund - Growth Option 100000 110,187 10,187 10.19
Post Tax Return Pre-tax Interest / Profit Amount Capital Gains Tax Indexed Amount Income / Capital Gains Tax Post Tax Interest / Profit Amount
Fixed Deposit 5,198 Not Applicable Not Applicable 1,560 3,639
HDFC Dynamic Debt Fund - Growth Option 10,187 Short Term Not Applicable 3,056 7,131

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 - 16-09-2021
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 13.59 3.65 5.43 6.4 7.79 8.46
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.77 10.19 9.35 7.7 5.83 7.97 8.5
IIFL Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 0.52 7.82 7.5 7.66 7.03 - 7.08
Baroda Dynamic Bond Fund - Plan A - Growth Option 30-06-2012 1.51 7.72 7.05 4.66 4.74 - 7.09
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.65 6.7 3.53 5.73 4.5 7.64 7.77
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.65 6.68 3.52 5.72 4.5 7.63 7.5
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.42 6.68 9.09 9.54 8.3 10.05 8.94
Indiabulls Dynamic Bond Fund - Regular Plan - Growth option 30-11-2018 0.74 6.2 6.17 - - - 7.23
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.67 5.99 9.01 10.19 7.97 8.65 8.69
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.26 5.94 8.24 9.91 8.27 9.06 8.6
Tata Dynamic Bond Fund- Regular Plan - Growth Option 03-09-2003 0.73 5.74 6.95 7.51 6.31 8.07 6.86
IDBI Dynamic Bond Fund Growth 21-02-2012 1.22 5.69 7.67 7.49 5.11 - 6.15
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.7 4.9 7.15 8.67 6.56 8.36 6.68
DSP Strategic Bond Fund - Regular Plan - Growth 09-05-2007 1.08 4.89 8.04 9.86 7.13 8.56 7.11
Quantum Dynamic Bond Fund - Regular Plan Growth Option 01-04-2017 0.72 4.84 7.31 8.89 - - 7.2
IDFC Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.61 4.76 7.96 10.28 7.88 9.0 8.3
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.5 4.57 7.14 8.91 6.15 - 7.1
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.8 4.44 6.35 8.75 7.61 - 8.15
JM Dynamic Debt Fund (Regular) - Growth Option 25-06-2003 0.99 4.41 5.59 6.08 6.64 7.54 6.77
HSBC Flexi Debt Fund-Growth 05-10-2007 1.73 4.33 5.79 8.26 5.95 7.58 7.88
BNP PARIBAS Flexi Debt Fund-Regular Plan A - Growth Option 06-02-2009 1.66 4.09 6.41 7.8 6.59 8.17 7.75
HSBC Flexi Debt Fund-Reg.Growth 05-10-2007 1.74 4.08 5.53 8.0 5.69 7.3 7.57
Mahindra Manulife Dynamic Bond Yojana - Regular Plan - Growth 01-08-2018 1.62 4.06 5.13 5.83 - - 5.62
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.64 4.05 7.08 9.51 7.68 8.63 6.06
L&T Flexi Bond Fund - Regular Plan - Growth 24-08-2006 1.62 3.96 6.64 8.4 6.82 8.42 5.94
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 10-03-2017 1.43 3.68 7.05 9.08 - - 6.74
BNP Paribas Flexi Debt Fund Monthly Income Distribution cum Capital Withdrawal Option 09-08-2004 1.84 3.64 5.48 6.01 4.66 - 7.92
BNP Paribas Flexi Debt Fund Growth Option 23-09-2004 1.84 3.29 5.84 7.18 6.0 - 7.81
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.75 3.04 5.65 7.4 6.18 8.06 7.46
Edelweiss Money Market Fund - Regular Plan - Growth Option 27-06-2008 0.98 3.01 5.02 8.58 6.41 7.26 6.53
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.59 2.9 3.8 1.89 3.51 6.93 7.0
ITI Dynamic Bond Fund - Regular Plan - Growth Option 15-07-2021 0.0 - - - - - 1.25