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- Trailing Return with Market Cap breakup
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- Debt Funds vs Fixed Deposit
- MF Comparison with Asset Classes
Debt Funds / Hybrid Debt Funds vs Fixed Deposit
Pre-Tax Return | AMC Name | Investment Amount | Redeemed / Maturity Amount | Total Interest / Profit Amount | Annual Interest / Return (%) |
---|---|---|---|---|---|
Fixed Deposit | - | 100000 | 107,101 | 7,101 | 7.08 |
HDFC Dynamic Debt Fund - Growth Option | HDFCMF | 100000 | 109,425 | 9,425 | 9.4 |
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 | - | 7,101 | Not Applicable | Not Applicable | 2,130 | 4,970 |
HDFC Dynamic Debt Fund - Growth Option | HDFCMF | 9,425 | Short Term | Not Applicable | 2,827 | 6,597 |
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%