Debt Funds / Hybrid Debt Funds vs Fixed Deposit

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Pre-Tax Return	Investment Amount	Redeemed / Maturity Amount	Total Interest / Profit Amount	Annual Interest / Return (%)
Fixed Deposit	100000	106,923	6,923	6.92
ICICI Prudential Dynamic Bond Fund - Growth	100000	105,191	5,191	5.19

Post Tax Return	Pre-tax Interest / Profit Amount	Capital Gains Tax	Indexed Amount	Income / Capital Gains Tax	Post Tax Interest / Profit Amount
Fixed Deposit	6,923	Not Applicable	Not Applicable	2,077	4,846
ICICI Prudential Dynamic Bond Fund - Growth	5,191	Short Term	Not Applicable	1,557	3,634

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

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Data as on - 18-04-2018

Scheme Name	Launch Date	Expense Ratio (%)	1-Year Ret (%)	2-Yrs Ret (%)	3-Yrs Ret (%)	5-Yrs Ret (%)	10-Yrs Ret (%)	Since Launch Ret (%)
Taurus Dynamic Income Fund - Regular Plan - Growth Option	14-02-2011	0.89	8.83	0.52	2.72	3.84	-	5.8
Indiabulls Income Fund - Regular Plan - Growth Option	04-03-2013	0.75	8.32	7.86	7.67	7.27	-	7.46
Franklin India Income Builder Account-Growth	23-06-1997	2.11	7.6	8.97	8.17	8.83	8.83	9.11
Axis Regular Savings Fund - Growth Option	28-03-2012	1.0	7.46	8.75	8.43	8.74	-	9.14
IIFL Dynamic Bond Fund - Regular Plan - Growth Option	24-06-2013	0.94	7.39	7.01	6.87	-	-	7.13
DSP BlackRock Bond Fund - Growth	29-04-1997	0.8	7.18	8.21	7.67	7.83	7.75	8.48
ICICI Prudential Dynamic Accrual Plan - Growth	18-12-2003	0.92	6.85	8.15	9.3	8.96	7.81	7.31
ICICI Prudential Dynamic Bond Fund - Premium Plus Growth	12-06-2009	1.28	6.66	9.09	9.53	9.52	-	8.64
BNP Paribas Corporate Bond Fund Growth Option	08-11-2008	0.76	6.58	8.21	7.97	8.22	-	7.01
ICICI Prudential Long Term Plan Retail - Cumulative	28-03-2002	1.23	6.45	9.38	8.97	11.08	9.27	9.23
ICICI Prudential Long Term Plan - Premium Growth Option	04-05-2009	0.0	6.45	9.38	8.97	11.15	-	8.96
ICICI Prudential Long Term - Growth	04-05-2009	1.26	6.33	9.3	8.87	11.06	-	9.02
Edelweiss Banking and PSU Debt Fund - Regular Plan - Growth Option	06-09-2013	0.55	6.23	6.62	7.06	-	-	8.26
Franklin India Banking & PSU Debt Fund - Growth	25-04-2014	0.57	6.13	7.08	7.36	-	-	8.16
DHFL Pramerica Premier Bond Fund - Premium Plus Plan - Growth	09-02-2009	0.0	6.11	7.53	7.84	8.11	-	5.67
Sundaram Bond Saver-Growth	18-12-1997	2.11	5.83	7.35	6.97	7.21	7.15	8.11
JM Short Term Fund - Growth Option	04-04-2003	0.0	5.83	7.02	7.2	7.65	8.8	6.13
JM Short Term Fund - Regular Plan - Growth Option	24-06-2002	0.0	5.83	6.96	7.07	7.46	8.53	7.91
DHFL Pramerica Medium Term Income Fund- Regular Plan- Growth	06-03-2014	0.98	5.82	7.77	8.14	-	-	9.79
L&T Resurgent India Corporate Bond Fund - Regular Plan - Growth	30-01-2015	1.59	5.81	7.73	8.42	-	-	8.49
Sundaram Flexible Fund -Flexible Income Plan Regular - Growth	30-12-2004	0.89	5.41	7.36	7.8	7.68	7.18	6.93
Franklin India Income Builder Account-Monthly	23-06-1997	2.11	5.34	6.69	5.9	6.79	7.49	8.0
Baroda Pioneer Dynamic Bond Fund - Plan A - Growth Option	30-06-2012	1.61	5.34	7.89	7.96	8.45	-	8.94
ICICI Prudential Income Opportunities Fund - Growth	18-08-2008	0.98	5.27	7.15	7.58	8.1	-	9.59
DHFL Pramerica Inflation Indexed Bond Fund - Regular Plan - Growth	28-01-2014	0.97	5.22	7.38	9.24	-	-	6.6
Tata Medium Term Fund Regular Plan - Growth	21-11-2002	1.77	5.21	7.22	7.02	7.71	7.35	6.63
L&T Triple Ace Bond Fund-Regular Plan-Growth	31-03-1997	1.03	5.2	5.79	5.93	6.53	6.41	7.22
ICICI Prudential Dynamic Bond Fund - Growth	12-06-2009	1.28	5.19	7.65	8.18	8.34	-	8.02
Franklin India Income Builder Account-Quarterly	23-06-1997	2.11	5.1	6.43	5.66	6.53	7.07	7.8
Franklin India Income Builder Account-Half Yearly	23-06-1997	2.11	5.09	6.43	5.68	6.6	7.04	7.68
SBI Magnum Income Fund-Regular Plan-Growth \| Invest Online	25-11-1998	1.45	4.98	8.46	7.92	7.56	7.47	7.7
Quantum Dynamic Bond Fund - Regular Plan Growth Option	01-04-2017	0.79	4.89	-	-	-	-	4.91
DHFL Pramerica Premier Bond Fund - Growth	21-01-2003	1.4	4.87	6.28	6.59	6.86	8.03	6.84
BNP PARIBAS Flexi Debt Fund-Regular Plan A - Growth Option	06-02-2009	1.64	4.82	7.69	7.55	8.4	-	8.04
DHFL Pramerica Dynamic Bond Fund - Growth Option	12-01-2012	1.69	4.79	7.95	7.54	7.92	-	8.24
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.59	4.71	8.94	8.37	9.24	-	9.33
ICICI Prudential Income - Growth	09-07-1998	1.46	4.66	7.8	7.65	7.63	8.84	8.96
UTI Bond Fund-Growth (for rep. After 6 months- No Load)	17-05-1998	1.41	4.3	8.24	7.52	7.92	8.36	8.63
BNP Paribas Flexi Debt Fund Growth Option	23-09-2004	1.64	4.26	7.16	7.07	8.27	-	8.7
Axis Dynamic Bond Fund - Growth Option	27-04-2011	1.3	4.19	6.96	7.29	7.83	-	8.45
L&T Flexi Bond Fund - Regular Plan - Growth	24-08-2006	1.49	4.16	7.31	7.55	8.34	5.23	5.47
HDFC High Interest Fund - Dynamic Plan-Growth Option	28-04-1997	1.68	3.88	6.71	6.85	8.05	8.35	8.81
Principal Dynamic Bond Fund - Growth Option	13-05-2003	1.52	3.72	7.02	6.99	7.51	8.14	7.57
Canara Robeco Income - Regular Plan - Growth	19-09-2002	1.9	3.68	6.95	6.65	7.63	9.76	8.57
Tata Dynamic Bond Fund Regular Plan - Growth	03-09-2003	1.63	3.63	6.63	6.7	8.38	7.2	6.85
Tata Long Term Debt Fund -Regular Plan - Growth	28-04-1997	1.96	3.57	6.3	6.55	7.57	6.8	8.23
SBI Dynamic Bond Fund - Regular Plan - Growth (Previously Magnum NRI - LTP Upto 22/11/09) \| Invest Online	09-02-2004	1.55	3.57	8.12	7.6	7.43	6.98	5.49
Reliance Dynamic Bond Fund-Growth Plan-Growth Option	15-11-2004	1.67	3.56	6.81	6.86	7.69	7.1	6.45
Aditya Birla Sun Life Active Debt Multi Manager FoF Scheme - Regular Plan - Growth Option	29-12-2006	1.11	3.43	7.19	6.91	7.3	7.83	7.77
Aditya Birla Sun Life Income Plus (Discipline Advantage Plan)	04-03-2009	1.66	3.42	6.42	6.27	6.92	-	7.35
Aditya Birla Sun Life Income Plus - Growth - Regular Plan	21-10-1995	1.65	3.42	6.42	6.27	6.92	8.19	9.41
JM Income Fund - Growth Option	01-04-1995	0.0	3.32	5.27	4.43	5.89	4.56	7.03
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.44	3.29	5.88	6.87	8.34	8.92	8.42
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	1.44	3.29	5.88	6.87	8.34	-	8.37
Reliance Income Fund - Growth Plan Growth Option	01-01-1998	1.99	3.22	6.3	6.42	6.88	8.02	8.76
LIC MF Bond Fund-Regular Plan-Growth	19-06-1999	1.07	3.22	6.14	5.9	6.75	7.67	8.43
BNP Paribas Flexi Debt Fund Monthly Option	09-08-2004	1.6	2.97	4.7	4.97	5.98	-	9.57
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	24-03-2017	2.11	2.89	-	-	-	-	3.03
Edelweiss Dynamic Bond Fund - Regular Plan - Growth Option	27-06-2008	1.75	2.84	4.97	5.6	6.45	-	6.12
Baroda Pioneer Income Fund - Plan A - Growth Option	21-03-2002	2.5	2.8	5.81	6.05	7.07	7.0	6.17
Kotak Bond Regular Plan Growth	25-11-1999	1.8	2.77	5.61	6.03	6.63	8.29	8.84
Invesco India Active Income Fund - Growth	02-08-2007	1.43	2.72	6.41	6.19	6.76	6.65	6.48
DSP BlackRock Strategic Bond Fund - Regular Plan - Growth	09-05-2007	1.09	2.65	5.96	6.4	7.83	6.51	6.59
HDFC Income Fund-Growth	11-09-2000	1.87	2.59	5.68	6.09	6.87	7.87	7.91
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth	29-05-2009	1.75	2.53	7.14	6.98	8.14	-	7.75
Escorts Income Plan-Growth	22-05-1998	0.0	2.52	4.74	6.18	7.42	8.6	9.03
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.76	2.44	5.02	5.25	6.15	-	6.77
IDFC Dynamic Bond Fund -Regular Plan-GROWTH	01-12-2008	1.46	2.39	7.19	6.77	7.67	-	8.02
IDFC Super Saver Income Fund - Investment Plan -Regular Plan- Growth Option	14-07-2000	1.62	2.07	6.89	6.5	7.45	8.2	8.3
Essel Flexible Income Fund-Growth	21-08-2012	1.51	2.03	5.38	5.96	5.53	-	6.05
HSBC Flexi Debt Fund-Growth	05-10-2007	0.0	1.85	5.37	5.55	6.62	8.06	8.08
HSBC Flexi Debt Fund-Reg.Growth	05-10-2007	1.6	1.6	5.1	5.28	6.35	7.75	7.76
HSBC Debt Fund - Growth	10-12-2002	1.84	1.29	4.72	5.08	5.97	7.31	6.83
IDBI Dynamic Bond Fund Growth	21-02-2012	1.47	0.32	4.24	4.33	4.95	-	5.93

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Debt Funds / Hybrid Debt Funds vs Fixed Deposit

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