Debt Funds / Hybrid Debt Funds vs Fixed Deposit
| Pre-Tax Return | Investment Amount | Redeemed / Maturity Amount | Total Interest / Profit Amount | Annual Interest / Return (%) |
|---|---|---|---|---|
| Fixed Deposit | 100000 | 106,890 | 6,890 | 6.87 |
| HDFC Dynamic Debt Fund - Growth Option | 100000 | 105,328 | 5,328 | 5.31 |
| Post Tax Return | Pre-tax Interest / Profit Amount | Capital Gains Tax | Indexed Amount | Income / Capital Gains Tax | Post Tax Interest / Profit Amount |
|---|---|---|---|---|---|
| Fixed Deposit | 6,890 | Not Applicable | Not Applicable | 2,067 | 4,823 |
| HDFC Dynamic Debt Fund - Growth Option | 5,328 | Short Term | Not Applicable | 1,598 | 3,730 |
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%
Top Performing Debt Mutual Funds
Data as on - 03-04-2020
| Scheme Name |
Launch Date | Expense Ratio (%) | 1-Yr Ret (%) | 2-Yrs Ret (%) | 3-Yrs Ret (%) | 5-Yrs Ret (%) | 10-Yrs Ret (%) | Since Launch Ret (%) |
|---|---|---|---|---|---|---|---|---|
| Mirae Asset Dynamic Bond Fund-Regular Plan Growth | 01-03-2017 | 1.49 | 13.21 | 9.55 | 7.4 | - | - | 7.39 |
| SBI Dynamic Bond Fund - Regular Plan - Growth | Invest Online | 10-02-2004 | 1.67 | 12.55 | 10.11 | 7.87 | 8.53 | 8.92 | 6.06 |
| IDFC Dynamic Bond Fund -Regular Plan-GROWTH | 01-12-2008 | 1.79 | 11.96 | 10.04 | 7.5 | 8.11 | 9.02 | 8.43 |
| Axis Dynamic Bond Fund - Regular Plan - Growth Option | 20-04-2011 | 0.65 | 11.84 | 9.59 | 7.78 | 8.24 | - | 8.76 |
| Quantum Dynamic Bond Fund - Regular Plan Growth Option | 01-04-2017 | 0.7 | 11.33 | 9.02 | 7.76 | - | - | 7.74 |
| DSP Strategic Bond Fund - Regular Plan - Growth | 09-05-2007 | 1.13 | 10.95 | 9.46 | 7.35 | 7.74 | 8.5 | 7.1 |
| Edelweiss Dynamic Bond Fund - Regular Plan - Growth Option | 27-06-2008 | 1.04 | 10.95 | 10.44 | 7.96 | 7.59 | 7.68 | 6.88 |
| Union Dynamic Bond Fund - Growth Option | 13-02-2012 | 1.52 | 10.81 | 8.05 | 6.36 | 6.48 | - | 7.2 |
| ICICI Prudential All Seasons Bond Fund - Growth | 05-05-2009 | 1.32 | 10.38 | 8.47 | 7.85 | 8.72 | 9.72 | 8.97 |
| ICICI Prudential All Seasons Bond Fund - Premium Growth Option | 04-05-2009 | 1.32 | 10.38 | 8.49 | 7.91 | 8.79 | 9.66 | 8.92 |
| ICICI Prudential All Seasons Bond Fund Retail - Cumulative | 28-03-2002 | 1.32 | 10.38 | 8.49 | 7.91 | 8.79 | 9.46 | 9.18 |
| Kotak Dynamic Bond Fund Regular Plan Growth | 26-05-2008 | 1.08 | 9.93 | 9.51 | 8.41 | 8.97 | 8.98 | 8.65 |
| HSBC Flexi Debt Fund-Growth | 05-10-2007 | 1.78 | 9.81 | 8.2 | 6.24 | 6.72 | 7.84 | 8.17 |
| PGIM India Dynamic Bond Fund - Growth Option | 12-01-2012 | 1.75 | 9.61 | 8.75 | 7.52 | 8.11 | - | 8.44 |
| HSBC Flexi Debt Fund-Reg.Growth | 05-10-2007 | 1.74 | 9.55 | 7.94 | 5.98 | 6.45 | 7.54 | 7.86 |
| L&T Flexi Bond Fund - Regular Plan - Growth | 24-08-2006 | 1.62 | 9.34 | 8.02 | 6.95 | 7.92 | 6.02 | 5.92 |
| BNP PARIBAS Flexi Debt Fund-Regular Plan A - Growth Option | 06-02-2009 | 1.66 | 9.26 | 7.94 | 6.97 | 7.73 | 8.06 | 8.07 |
| Canara Robeco Dynamic Bond Fund - Regular Plan - Growth | 29-05-2009 | 1.75 | 8.87 | 7.22 | 5.91 | 7.17 | 8.16 | 7.73 |
| BNP Paribas Flexi Debt Fund Growth Option | 23-09-2004 | 1.21 | 8.74 | 7.38 | 6.41 | 7.23 | - | 8.42 |
| Nippon India Dynamic Bond Fund-Growth Plan-Growth Option | 01-11-2004 | 2.09 | 8.4 | 7.18 | 6.11 | 7.04 | 8.24 | 6.59 |
| Indiabulls Dynamic Bond Fund - Regular Plan - Growth option | 30-11-2018 | 0.74 | 7.39 | - | - | - | - | 8.38 |
| IIFL Dynamic Bond Fund - Regular Plan - Growth Option | 24-06-2013 | 1.34 | 7.22 | 6.73 | 6.96 | 6.77 | - | 7.04 |
| Tata Dynamic Bond Fund Regular Plan - Growth | 03-09-2003 | 1.45 | 6.87 | 6.76 | 5.8 | 6.78 | 7.96 | 6.86 |
| BNP Paribas Flexi Debt Fund Monthly Option | 09-08-2004 | 1.21 | 6.23 | 5.31 | 4.61 | 5.14 | - | 8.5 |
| Quant Dynamic Bond-Growth | 22-05-1998 | 0.21 | 6.13 | 5.42 | 4.55 | 6.07 | 7.88 | 8.72 |
| IDBI Dynamic Bond Fund Growth | 21-02-2012 | 1.62 | 5.49 | 5.86 | 4.02 | 4.97 | - | 5.97 |
| JM Dynamic Debt Fund - Regular Plan - Growth Option | 25-06-2003 | 0.66 | 5.16 | 6.27 | 6.65 | 7.42 | 7.65 | 6.83 |
| HDFC Dynamic Debt Fund - Growth Option | 28-04-1997 | 1.79 | 5.15 | 3.78 | 3.96 | 5.71 | 7.4 | 8.4 |
| Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth | 30-03-2009 | 1.4 | 0.44 | 2.85 | 3.1 | 5.4 | 7.45 | 7.42 |
| Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan | 27-09-2004 | 1.4 | 0.44 | 2.85 | 3.11 | 5.41 | 7.45 | 7.74 |
| Franklin India Dynamic Accrual Fund-Growth | 05-03-1997 | 1.68 | 0.17 | 4.35 | 5.61 | 7.33 | 7.66 | 8.58 |
| Baroda Dynamic Bond Fund - Plan A - Growth Option | 30-06-2012 | 1.58 | -2.11 | 1.65 | 3.0 | 5.44 | - | 7.09 |
| Principal Dynamic Bond Fund - Growth Option | 13-05-2003 | 1.53 | -2.18 | 1.69 | 2.58 | 4.98 | 6.86 | 6.92 |
| UTI Dynamic Bond Fund - Regular Plan - Growth Option | 23-06-2010 | 1.58 | -5.34 | -1.26 | 0.69 | 4.42 | - | 7.11 |
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