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 105,198 5,198 5.2
HDFC Dynamic Debt Fund - Growth Option 100000 106,776 6,776 6.78
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 6,776 Short Term Not Applicable 2,033 4,743

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 - 09-06-2023
Scheme
Name		 Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.19 10.18 6.04 7.03 5.84 6.72 7.61
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.19 10.18 6.04 7.02 5.83 6.72 7.32
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.7 9.76 4.33 4.56 6.87 6.76 6.44
Axis Dynamic Bond Fund - Regular Plan - Growth Option | Invest Online 01-04-2011 0.66 9.11 4.12 5.16 7.82 7.38 8.0
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.31 8.96 5.23 6.01 7.87 9.25 8.46
SBI Dynamic Bond Fund - Regular Plan - Growth | Invest Online 10-02-2004 1.64 8.95 5.04 4.5 7.67 7.09 5.98
Baroda BNP Paribas Dynamic Bond Fund-Defunct Plan - Growth Option 01-01-2013 0.0 8.63 - - - - 6.11
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 01-01-2013 1.69 8.61 - - - - 5.98
Quantum Dynamic Bond Fund - Regular Plan Growth Option 01-04-2017 0.73 7.72 5.03 4.94 7.29 - 6.56
DSP Strategic Bond Fund - Regular Plan - Growth 09-05-2007 1.05 7.32 4.37 4.27 7.59 7.35 6.79
Mirae Asset Dynamic Bond Fund-Regular Plan Growth | Invest Online 05-03-2017 1.11 7.22 2.91 2.98 6.43 - 5.62
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.61 7.2 3.35 3.7 7.44 7.17 7.67
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 0.52 7.03 5.08 6.25 6.58 - 6.67
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.75 6.91 3.53 3.36 5.93 6.55 6.98
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.72 6.78 5.99 5.87 5.87 6.42 8.12
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.5 6.77 2.94 3.52 6.39 5.79 6.4
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.58 6.7 2.7 3.32 - - 4.48
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.95 6.63 4.5 4.91 5.65 7.0 6.59
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.3 6.61 4.06 4.98 7.58 8.0 8.01
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.76 6.16 3.61 3.73 6.5 6.99 5.69
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.52 6.03 12.03 9.22 5.94 7.29 7.84
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 0.76 5.97 3.8 4.36 - - 5.81
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.63 5.93 3.6 3.83 6.72 6.98 7.42
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.19 5.55 - - - - 4.34
Edelweiss Money Market Fund - Regular Plan - Growth Option 27-06-2008 0.97 5.44 4.0 3.7 6.92 6.21 6.25