Debt Funds / Hybrid Debt Funds vs Fixed Deposit

Fixed Deposit
Debt Fund
Submit
Pre-Tax Return AMC Name Investment Amount Redeemed / Maturity Amount Total Interest / Profit Amount Annual Interest / Return (%)
Fixed Deposit - 100000 106,660 6,660 6.66
HDFC Dynamic Debt Fund - Growth Option HDFCMF 100000 105,553 5,553 5.55
Post Tax Return AMC Name Pre-tax Interest / Profit Amount Capital Gains Tax Indexed Amount Income / Capital Gains Tax Post Tax Interest / Profit Amount
Fixed Deposit - 6,660 Not Applicable Not Applicable 1,998 4,662
HDFC Dynamic Debt Fund - Growth Option HDFCMF 5,553 Short Term Not Applicable 1,666 3,887

Note:

1. The Fixed deposit interest rate is based on historical State Bank of India Fixed deposit rates for different deposit terms.

2. Short Term in case of debt funds is defined as less than or equal to 3 years.

3. Long Term in case of debt funds is defined as more than 3 years.

4. Short term gain formula:

Short term capital gain = Amount realised - Amount invested

Short term capital gain tax = Short term capital gain * Tax rate of the investor

5. Long term gain formula:

Indexed cost of acquisition = Amount invested * (Index in Year of redemption / Index in year of investment)

Long term capital gain = Amount realised - Indexed Cost of Acquisition

Long term capital gain tax = Long term capital gain (post indexation) @ 20%

Top Performing Debt Mutual Funds
Submit
Scheme Name AMC Name Launch Date Expense Ratio (%) 1-Yr Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
Bandhan Dynamic Bond Fund - Regular Plan B - Growth BandhanMF 01-12-2008 1.67 7.63 5.83 7.24 5.62 6.73 7.52
Kotak Dynamic Bond Fund Regular Plan Growth KotakMF 26-05-2008 1.35 7.09 6.56 7.48 6.17 7.17 7.89
360 One Dynamic Bond Fund - Regular Plan - Growth Option 360ONEMF 24-06-2013 0.59 6.78 7.92 8.29 6.93 6.94 6.99
Axis Dynamic Bond Fund - Regular Plan - Growth Option AxisMF 01-04-2011 0.65 6.75 7.28 7.52 6.28 7.0 7.83
ICICI Prudential All Seasons Bond Fund - Growth ICICIMF 01-05-2009 1.32 5.9 7.07 7.41 6.65 7.42 8.24
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan ABSLMF 27-09-2004 1.24 5.84 6.95 7.41 6.89 5.64 7.56
HDFC Dynamic Debt Fund - Growth Option HDFCMF 28-04-1997 1.39 5.55 5.7 6.67 5.36 5.55 7.95
Mirae Asset Dynamic Bond Fund-Regular Plan Growth MiraeMF 05-03-2017 0.99 5.42 6.49 6.57 5.16 - 5.88
MahIndra Manulife Dynamic Bond Fund - Regular Plan - Growth MahindraManulifeMF 01-08-2018 1.53 5.3 6.05 6.77 5.14 - 5.27
SBI Dynamic Bond Fund - Regular Plan - Growth SBIMF 10-02-2004 1.37 5.12 5.91 6.79 6.11 6.87 6.06
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option NipponIndiaMF 05-11-2004 0.74 4.98 6.96 7.36 6.27 6.3 6.53
UTI Dynamic Bond Fund - Regular Plan - Growth Option UTIMF 23-06-2010 1.69 4.86 6.1 6.73 8.87 6.18 7.58
HSBC Dynamic Bond Fund - Regular Growth HSBCMF 01-01-2013 0.64 4.53 5.74 6.69 5.54 6.15 5.82
Quantum Dynamic Term Fund - Regular Plan Growth Option QuantumMF 05-04-2017 1.01 4.31 5.85 6.92 6.31 - 6.66
JM Dynamic Bond Fund (Regular) - Growth Option JMMF 25-06-2003 0.97 3.9 5.94 6.59 5.74 6.2 6.55
DSP Strategic Bond Fund - Regular Plan - Growth DSPMF 16-05-2007 1.18 3.87 4.89 6.29 5.62 6.3 6.69
PGIM India Dynamic Bond Fund - Growth Option PGIMIndiaMF 12-01-2012 1.68 3.45 5.0 6.16 5.18 6.34 7.1
Union Dynamic Bond Fund - Growth Option UnionMF 13-02-2012 1.54 3.04 4.42 5.69 4.63 5.3 6.18
Groww Dynamic Term Fund Regular Plan Growth Option GrowwMF 30-11-2018 1.36 3.01 4.2 5.13 4.49 - 5.43
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option BarodaBNPMF 23-09-2004 1.72 2.61 4.32 5.61 5.26 5.55 7.3
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option CanaraMF 29-05-2009 1.71 2.6 3.72 5.02 4.47 5.32 6.58
ITI Dynamic Bond Fund - Regular Plan - Growth Option ITIMF 14-07-2021 1.22 2.43 4.31 5.55 5.08 - 5.06