Fixed Deposit vs Debt Funds

Fixed Deposit vs Debt Funds
Fixed Deposit
Debt Fund
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Pre-Tax Return Investment Amount Redeemed / Maturity Amount Total Interest / Profit Amount Annual Interest / Return (%)
Fixed Deposit 100000 105,562 5,562 5.56
HDFC Dynamic Debt Fund - Growth Option 100000 105,949 5,949 5.95
Post Tax Return Pre-tax Interest / Profit Amount Capital Gains Tax Indexed Amount Income / Capital Gains Tax Post Tax Interest / Profit Amount
Fixed Deposit 5,562 Not Applicable Not Applicable 1,669 3,894
HDFC Dynamic Debt Fund - Growth Option 5,949 Short Term Not Applicable 1,785 4,164

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
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Data as on - 07-12-2023
Scheme
Name		 Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
DSP Strategic Bond Fund - Regular Plan - Growth 09-05-2007 1.17 7.45 4.25 3.77 6.86 7.59 6.7
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.30380364 7.27 5.7 5.34 7.71 9.09 8.39
SBI Dynamic Bond Fund - Regular Plan - Growth | Invest Online 10-02-2004 1.44 6.57 5.38 4.23 7.14 7.81 5.93
Quantum Dynamic Bond Fund - Regular Plan Growth Option 01-04-2017 0.96 6.51 5.28 4.77 6.99 - 6.46
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.23 6.4 6.07 5.85 5.28 6.96 7.54
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 01-01-2013 1.69 6.3 4.71 3.67 5.67 7.02 7.13
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option | Invest Online 24-06-2013 0.52 6.12 4.78 5.11 6.28 7.33 6.56
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.48 6.06 3.63 5.13 5.53 6.98 8.06
Axis Dynamic Bond Fund - Regular Plan - Growth Option | Invest Online 01-04-2011 0.658105 6.0 3.86 4.02 7.15 7.86 7.82
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.7 6.0 3.74 3.79 6.23 7.29 6.34
Kotak Dynamic Bond Fund Regular Plan Growth | Invest Online 26-05-2008 1.3 5.92 4.05 3.92 6.98 7.85 7.92
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.76159254 5.89 4.1 3.27 6.01 7.44 5.66
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.98 5.8 4.75 4.14 5.3 6.75 6.52
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.5 5.77 2.77 2.71 5.86 6.4 6.26
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.53 5.77 7.69 8.83 5.71 7.33 7.7
PGIM India Dynamic Bond Fund - Growth Option | Invest Online 12-01-2012 1.64092358 5.65 3.88 3.47 6.12 7.44 7.28
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth | Invest Online 01-12-2008 1.61 5.6 3.18 2.89 6.5 7.67 7.51
Mirae Asset Dynamic Bond Fund-Regular Plan Growth | Invest Online 05-03-2017 1.1208641 5.4 3.22 3.04 6.1 - 5.52
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.1932657 5.33 4.32 - - - 4.39
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.56529327 5.31 2.89 2.87 4.37 - 4.37
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.75 5.04 3.71 2.94 5.39 6.89 6.84
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.16063633 5.02 3.76 3.69 5.62 - 5.61