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	106398.02	6398.020000000004	6.4
HDFC Dynamic Term Fund - Regular Plan - Growth Option	100000	102,895	2,895	2.9

Post Tax Return	Pre-tax Interest / Profit Amount	Capital Gains Tax	Indexed Amount	Income / Capital Gains Tax	Post Tax Interest / Profit Amount
Fixed Deposit	6398.020000000004	Not Applicable	Not Applicable	1919.4	4478.610000000001
HDFC Dynamic Term Fund - Regular Plan - Growth Option	2,895	Short Term	Not Applicable	869	2,027

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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Select Period

Scheme Name	Launch Date	Expense Ratio (%)	1-Year Ret (%)	2-Yrs Ret (%)	3-Yrs Ret (%)	5-Yrs Ret (%)	10-Yrs Ret (%)	Since Launch Ret (%)
BANDHAN Dynamic Term Fund Reg B Gr	01-12-2008	1.65	5.78	4.67	7.1	5.29	6.38	7.41
Axis Dynamic Term Fund Reg Gr	01-04-2011	0.65	5.07	6.29	7.16	5.82	6.73	7.72
ABSL Dynamic Term Fund Reg Gr	27-09-2004	1.22	4.35	5.98	7.16	6.58	5.41	7.48
SBI Dynamic Term Fund Reg Gr	10-02-2004	1.37	4.28	5.2	6.71	5.92	6.63	6.01
Kotak Dynamic Term Fund Reg Gr	26-05-2008	1.3492	4.21	5.33	7.16	5.69	6.82	7.78
360 ONE Dynamic Term Fund Reg Gr	24-06-2013	0.59	4.2	6.48	7.8	6.49	6.68	6.82
UTI Dynamic Term Fund Reg Gr	23-06-2010	1.69	3.87	5.25	6.58	6.87	5.9	7.49
ICICI Pru Dynamic Term Fund Reg Gr	01-05-2009	1.32	3.86	5.95	6.84	6.18	7.05	8.11
Nippon India Dynamic Term Fund Gr Plan Gr	05-11-2004	0.74	3.52	5.59	6.88	5.7	5.94	6.43
Mahindra Manulife Dynamic Term Fund Reg Gr	01-08-2018	1.53	3.03	4.93	6.35	4.78	-	5.04
Mirae Asset Dynamic Term Fund Reg Gr	05-03-2017	0.99	2.96	5.1	5.84	4.73	-	5.61
HDFC Dynamic Term Fund Reg Gr	28-04-1997	1.4	2.9	4.26	6.04	4.9	5.16	7.85
JM Dynamic Term Fund Reg Gr	25-06-2003	0.94	2.62	5.16	6.23	5.53	6.02	6.49
HSBC Dynamic Term Fund Reg Gr	01-01-2013	0.83	2.25	4.48	6.19	5.11	5.78	5.71
Quantum Dynamic Term Fund Reg Plan Gr	05-04-2017	1.01	2.09	4.52	6.52	5.76	-	6.41
Groww Dynamic Term Fund Reg Plan Gr	30-11-2018	1.36	1.78	3.51	4.96	4.3	-	5.29
PGIM India Dynamic Term Fund Gr	12-01-2012	1.68	1.24	3.72	5.69	4.74	6.05	6.95
ITI Dynamic Term Fund Reg Gr	14-07-2021	1.23	1.08	3.1	4.94	4.6	-	4.65
Baroda BNP Paribas Dynamic Term Fund Reg Gr	23-09-2004	1.72	0.94	3.47	5.26	4.88	5.3	7.21
DSP Dynamic Term Fund Reg Gr	16-05-2007	1.19	0.8	2.9	5.62	4.91	5.85	6.52
Canara Robeco Dynamic Term Fund Reg Gr	29-05-2009	1.71	0.64	2.4	4.64	4.01	4.92	6.43
Union Dynamic Term Fund Gr	13-02-2012	1.54	-0.04	2.72	4.97	3.93	4.87	5.96