Shilpa Associates

Fixed Deposit vs Debt Funds

Fixed Deposit

Deposit Amount

Start Date

FD Term (in years)

Debt Fund

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To see Top performing debt funds by category and period, please scroll down

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Income Tax Rate

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Pre-Tax Return	Investment Amount	Redeemed / Maturity Amount	Total Interest / Profit Amount	Annual Interest / Return (%)
Fixed Deposit	100000	106975.37	6975.369999999995	6.98
HDFC Dynamic Debt Fund - Growth Option	100000	101,899	1,899	1.9

Post Tax Return	Pre-tax Interest / Profit Amount	Capital Gains Tax	Indexed Amount	Income / Capital Gains Tax	Post Tax Interest / Profit Amount
Fixed Deposit	6975.369999999995	Not Applicable	Not Applicable	2092.61	4882.759999999995
HDFC Dynamic Debt Fund - Growth Option	1,899	Short Term	Not Applicable	570	1,330

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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Scheme Name	Launch Date	Expense Ratio (%)	1-Year Ret (%)	2-Yrs Ret (%)	3-Yrs Ret (%)	5-Yrs Ret (%)	10-Yrs Ret (%)	Since Launch Ret (%)
360 ONE Dynamic Bond Reg Gr	24-06-2013	0.59	4.84	7.8	7.62	6.61	6.8	6.89
Mirae Asset Dynamic Bond Reg Gr	05-03-2017	1.02	4.74	6.52	6.29	4.91	-	5.84
Axis Dynamic Bond Reg Gr	01-04-2011	0.62	4.44	7.14	6.81	5.7	7.18	7.76
ICICI Pru All Seasons Bond Gr	01-05-2009	1.27	4.11	6.81	6.94	6.23	7.74	8.19
Bandhan Dynamic Bond Reg Gr	01-12-2008	1.6	4.08	5.5	6.24	5.07	6.86	7.43
ABSL Dynamic Bond Gr Reg	27-09-2004	1.22	4.05	7.0	6.97	6.58	6.06	7.52
ABSL Dynamic Bond-Discipline Advtg Gr	30-03-2009	1.22	4.05	7.0	6.97	6.58	6.05	7.26
SBI Dynamic Bond Reg Gr	10-02-2004	1.37	3.8	6.21	6.42	5.86	7.13	6.04
Nippon India Dynamic Bond Gr Gr	05-11-2004	0.74	3.63	7.18	6.9	5.82	6.67	6.5
UTI Dynamic Bond Reg Gr	23-06-2010	1.68	3.51	6.34	6.45	8.63	6.53	7.57
Kotak Dynamic Bond Reg Gr	26-05-2008	1.33	3.5	6.22	6.67	5.61	7.28	7.79
Mahindra Manulife Dynamic Bond Fund Reg Gr	01-08-2018	1.51	3.16	5.83	6.04	4.69	-	5.09
JM Dynamic Debt Reg Gr	25-06-2003	0.96	2.74	6.27	6.19	5.52	6.21	6.54
Quantum Dynamic Bond Reg Gr	05-04-2017	0.99	2.49	5.92	6.63	5.98	-	6.58
HSBC Dynamic Bond Fund Reg Gr	01-01-2013	0.61	2.44	5.82	6.19	5.13	6.46	5.77
HDFC Dynamic Debt Gr	28-04-1997	1.42	2.01	5.17	5.82	5.9	5.82	7.89
PGIM India Dynamic Bond Gr	12-01-2012	1.66	1.97	5.36	5.85	4.93	6.59	7.09
Groww Dynamic Term Fund (formerly known as Indiabulls Dynamic Bond Fund) Reg Plan Gr	30-11-2018	1.46	1.28	4.3	4.61	4.3	-	5.35
ITI Dynamic Bond Fund Reg Gr	14-07-2021	1.15	1.01	4.78	5.48	-	-	5.04
Canara Robeco Dynamic Bond Reg Gr	29-05-2009	1.69	0.92	3.99	4.66	4.21	5.73	6.57
DSP Strategic Bond Reg Gr	16-05-2007	1.2	0.84	4.69	5.64	5.1	6.54	6.61
Baroda BNP Paribas Dynamic Bond Fund Gr	23-09-2004	1.7	0.83	4.63	5.2	4.87	5.93	7.29
Union Dynamic Bond Gr	13-02-2012	1.55	-0.2	4.05	4.77	4.02	5.45	6.06