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 105,823 5,823 5.82
HDFC Dynamic Debt Fund - Growth Option HDFCMF 100000 105,510 5,510 5.51
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 - 5,823 Not Applicable Not Applicable 1,747 4,076
HDFC Dynamic Debt Fund - Growth Option HDFCMF 5,510 Short Term Not Applicable 1,653 3,857

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 (%)
Franklin India Dynamic Accrual Fund-Growth FranklinMF 05-03-1997 0.06 10.22 3.88 5.81 6.93 7.94 8.52
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan ABSLMF 27-09-2004 1.66 8.95 4.46 5.62 5.54 7.77 7.8
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth ABSLMF 30-03-2009 1.66 8.94 4.45 5.62 5.53 7.77 7.53
IIFL Dynamic Bond Fund - Regular Plan - Growth Option IIFLMF 24-06-2013 0.53 8.6 7.37 7.47 6.95 - 7.04
ICICI Prudential All Seasons Bond Fund - Growth ICICIMF 01-05-2009 1.45 7.59 9.66 9.55 9.25 10.14 8.99
IDBI Dynamic Bond Fund Growth IDBIMF 21-02-2012 1.23 7.1 7.37 7.33 5.8 - 6.17
Axis Dynamic Bond Fund - Regular Plan - Growth Option AxisMF 01-04-2011 0.67 7.06 9.64 10.25 8.67 8.79 8.77
Baroda Dynamic Bond Fund - Plan A - Growth Option BarodaMF 30-06-2012 1.49 6.79 7.42 4.39 5.43 - 7.12
Kotak Dynamic Bond Fund Regular Plan Growth KotakMF 26-05-2008 1.27 6.63 8.63 9.87 8.93 9.11 8.62
Tata Dynamic Bond Fund Regular Plan - Growth TataMF 03-09-2003 0.72 5.66 7.18 7.53 6.95 8.11 6.88
HDFC Dynamic Debt Fund - Growth Option HDFCMF 28-04-1997 1.78 5.51 6.86 5.67 5.72 7.47 8.29
Indiabulls Dynamic Bond Fund - Regular Plan - Growth option IndiabullsMF 30-11-2018 0.74 5.35 6.45 - - - 7.36
JM Dynamic Debt Fund (Regular) - Growth Option JMMF 25-06-2003 0.66 5.27 5.82 6.32 6.84 7.65 6.81
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option NipponIndiaMF 05-11-2004 0.71 5.03 7.68 8.57 7.52 8.54 6.7
Quantum Dynamic Bond Fund - Regular Plan Growth Option QuantumMF 01-04-2017 0.72 4.63 7.85 8.69 - - 7.26
Union Dynamic Bond Fund - Growth Option UnionMF 13-02-2012 1.5 4.5 7.94 8.61 6.84 - 7.13
Mahindra Manulife Dynamic Bond Yojana - Regular Plan - Growth MahindraManulifeMF 01-08-2018 1.87 4.49 5.39 - - - 5.75
PGIM India Dynamic Bond Fund - Growth Option PGIMIndiaMF 12-01-2012 1.73 4.24 7.31 8.76 8.25 - 8.23
IDFC Dynamic Bond Fund - Regular Plan B - Growth IDFCMF 01-12-2008 1.61 4.02 9.07 10.06 8.61 9.17 8.35
DSP Strategic Bond Fund - Regular Plan - Growth DSPMF 09-05-2007 1.05 3.76 11.6 9.69 7.94 8.64 7.12
L&T Flexi Bond Fund - Regular Plan - Growth L&TMF 24-08-2006 1.62 3.76 7.41 8.34 7.75 8.55 5.96
HSBC Flexi Debt Fund-Growth HSBCMF 05-10-2007 1.73 3.69 6.77 8.19 6.72 7.71 7.93
HSBC Flexi Debt Fund-Reg.Growth HSBCMF 05-10-2007 1.74 3.44 6.51 7.93 6.45 7.43 7.62
UTI Dynamic Bond Fund - Regular Plan - Growth Option UTIMF 23-06-2010 1.59 3.43 4.67 1.96 4.45 7.11 7.08
BNP PARIBAS Flexi Debt Fund-Regular Plan A - Growth Option BNPMF 06-02-2009 1.66 3.41 6.78 7.76 7.53 8.22 7.83
SBI Dynamic Bond Fund - Regular Plan - Growth SBIMF 10-02-2004 1.64 3.36 8.32 9.35 8.38 8.78 6.07
BNP Paribas Flexi Debt Fund Monthly Income Distribution cum Capital Withdrawal Option BNPMF 09-08-2004 1.84 3.07 5.38 5.9 5.36 - 8.05
Mirae Asset Dynamic Bond Fund-Regular Plan Growth MiraeMF 05-03-2017 1.44 3.06 8.15 8.77 - - 6.89
Edelweiss Money Market Fund - Regular Plan - Growth Option EdelweissMF 27-06-2008 0.99 3.02 6.15 8.8 7.03 7.32 6.6
CANARA ROBECO DYNAMIC BOND FUND - REGULAR PLAN - GROWTH OPTION CanaraMF 29-05-2009 1.75 2.82 6.5 7.43 7.27 8.22 7.54
BNP Paribas Flexi Debt Fund Growth Option BNPMF 23-09-2004 1.84 2.72 6.22 7.17 6.96 - 7.94