Debt Funds / Hybrid Debt Funds vs Fixed Deposit
| Pre-Tax Return | AMC Name | Investment Amount | Redeemed / Maturity Amount | Total Interest / Profit Amount | Annual Interest / Return (%) |
|---|---|---|---|---|---|
| Fixed Deposit | - | 100000 | 105,198 | 5,198 | 5.2 |
| HDFC Dynamic Debt Gr | HDFCMF | 100000 | 109,036 | 9,036 | 9.04 |
| Post Tax Return | AMC Name | 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 Gr | HDFCMF | 9,036 | Short Term | Not Applicable | 2,711 | 6,325 |
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
| Scheme Name | AMC Name | Launch Date | Expense Ratio (%) | 1-Yr Ret (%) | 2-Yrs Ret (%) | 3-Yrs Ret (%) | 5-Yrs Ret (%) | 10-Yrs Ret (%) | Since Launch Ret (%) |
|---|---|---|---|---|---|---|---|---|---|
| HDFC Dynamic Debt Gr | HDFCMF | 28-04-1997 | 1.77 | 9.08 | 9.1 | 7.24 | 6.0 | 7.98 | 8.5 |
| Franklin India Dynamic Accrual Fund Gr | FranklinMF | 05-03-1997 | 0.06 | 7.8 | 2.83 | 4.8 | 6.23 | 7.66 | 8.41 |
| IIFL Dynamic Bond Reg Gr | IIFLMF | 24-06-2013 | 0.52 | 6.65 | 7.24 | 7.3 | 6.92 | - | 7.02 |
| ABSL Dynamic Bond Gr Reg | ABSLMF | 27-09-2004 | 1.65 | 5.83 | 3.42 | 5.28 | 4.68 | 7.62 | 7.76 |
| ABSL Dynamic Bond-Discipline Advtg Gr | ABSLMF | 30-03-2009 | 1.65 | 5.82 | 3.41 | 5.27 | 4.67 | 7.62 | 7.48 |
| Baroda Dynamic Bond Plan A Gr | BarodaMF | 30-06-2012 | 1.51 | 5.56 | 6.26 | 4.07 | 4.87 | - | 7.04 |
| ICICI Pru All Seasons Bond Gr | ICICIMF | 01-05-2009 | 1.45 | 5.26 | 8.73 | 9.19 | 8.36 | 10.02 | 8.91 |
| IDBI Dynamic Bond Gr | IDBIMF | 21-02-2012 | 1.22 | 4.7 | 6.78 | 7.02 | 5.2 | - | 6.13 |
| Indiabulls Dynamic Bond Reg Gr | IndiabullsMF | 30-11-2018 | 0.74 | 4.44 | 5.84 | - | - | - | 7.17 |
| Tata Dynamic Bond Reg Gr | TataMF | 03-09-2003 | 0.78 | 4.21 | 6.6 | 7.36 | 6.42 | 8.08 | 6.86 |
| Quantum Dynamic Bond Reg Gr | QuantumMF | 01-04-2017 | 0.72 | 4.19 | 6.76 | 8.39 | - | - | 7.1 |
| Kotak Dynamic Bond Reg Gr | KotakMF | 26-05-2008 | 1.26 | 4.12 | 7.51 | 9.45 | 8.32 | 9.0 | 8.55 |
| Mahindra Manulife Credit Risk Reg Gr | MahindraManulifeMF | 01-08-2018 | 1.61 | 3.5 | 4.95 | - | - | - | 5.51 |
| JM Dynamic Debt Reg Gr | JMMF | 25-06-2003 | 0.66 | 3.49 | 5.54 | 6.1 | 6.69 | 7.58 | 6.78 |
| Axis Dynamic Bond Reg Gr | Invest Online | AxisMF | 01-04-2011 | 0.67 | 3.42 | 8.25 | 9.57 | 7.91 | 8.58 | 8.6 |
| PGIM India Dynamic Bond Gr | PGIMIndiaMF | 12-01-2012 | 1.73 | 3.07 | 6.1 | 8.4 | 7.63 | - | 8.13 |
| Edelweiss Money Mkt Reg Gr | EdelweissMF | 27-06-2008 | 0.97 | 2.98 | 5.0 | 8.41 | 6.62 | 7.3 | 6.57 |
| SBI Dynamic Bond Reg Gr | Invest Online | SBIMF | 10-02-2004 | 1.64 | 2.39 | 6.65 | 9.13 | 7.8 | 8.66 | 6.05 |
| IDFC Dynamic Bond Reg Gr | IDFCMF | 01-12-2008 | 1.61 | 2.34 | 7.53 | 9.76 | 7.96 | 9.01 | 8.29 |
| Mirae Asset Dynamic Bond Reg Gr | MiraeMF | 05-03-2017 | 1.43 | 2.34 | 6.28 | 8.59 | - | - | 6.73 |
| DSP Strategic Bond Reg Gr | DSPMF | 09-05-2007 | 1.05 | 2.3 | 8.34 | 9.41 | 7.15 | 8.53 | 7.06 |
| L&T Flexi Bond Reg Gr | L&TMF | 24-08-2006 | 1.62 | 2.28 | 6.27 | 8.07 | 6.94 | 8.42 | 5.91 |
| BNP Paribas Flexi Debt Reg A Gr | BNPMF | 06-02-2009 | 1.66 | 2.24 | 5.72 | 7.23 | 6.64 | 8.11 | 7.72 |
| Union Dynamic Bond Gr | UnionMF | 13-02-2012 | 1.5 | 2.13 | 6.46 | 8.12 | 6.13 | - | 7.01 |
| HSBC Flexi Debt Gr | HSBCMF | 05-10-2007 | 1.73 | 2.0 | 5.24 | 7.74 | 6.0 | 7.56 | 7.85 |
| Nippon India Dynamic Bond Gr Gr | NipponIndiaMF | 05-11-2004 | 0.71 | 1.98 | 5.98 | 7.9 | 6.52 | 8.3 | 6.59 |
| BNP Paribas Flexi Debt Mly | BNPMF | 09-08-2004 | 1.84 | 1.85 | 4.67 | 5.43 | 4.5 | - | 7.88 |
| HSBC Flexi Debt Reg Gr | HSBCMF | 05-10-2007 | 1.74 | 1.75 | 4.98 | 7.48 | 5.74 | 7.28 | 7.54 |
| Canara Robeco Dynamic Bond Reg Gr | CanaraMF | 29-05-2009 | 1.75 | 1.64 | 5.23 | 7.14 | 6.44 | 8.1 | 7.47 |
| BNP Paribas Flexi Debt Gr | BNPMF | 23-09-2004 | 1.84 | 1.51 | 5.16 | 6.63 | 6.07 | - | 7.77 |
| UTI Dynamic Bond Reg Gr | UTIMF | 23-06-2010 | 1.59 | 1.48 | 3.4 | 1.71 | 3.68 | 6.91 | 7.01 |
| ITI Dynamic Bond Fund Reg Gr | ITIMF | 15-07-2021 | 0.0 | - | - | - | - | - | 0.07 |
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