1. Advisorkhoj
  2. Mutual Funds Research
  3. Debt Funds vs Fixed Deposit

Debt Funds / Hybrid Debt Funds vs Fixed Deposit

Fixed Deposit
Debt Fund
Submit
Pre-Tax Return Investment Amount Redeemed / Maturity Amount Total Interest / Profit Amount Annual Interest / Return (%)
Fixed Deposit 100000 108,243 8,243 8.24
ICICI Prudential Dynamic Bond Fund - Growth 100000 109,430 9,430 9.43
Post Tax Return Pre-tax Interest / Profit Amount Capital Gains Tax Indexed Amount Income / Capital Gains Tax Post Tax Interest / Profit Amount
Fixed Deposit 8,243 Not Applicable Not Applicable 2,473 5,770
ICICI Prudential Dynamic Bond Fund - Growth 9,430 Short Term Not Applicable 2,829 6,601

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

Submit
Data as on - 14-08-2017
Scheme
Name
Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
DHFL Pramerica Dynamic Bond Fund - Growth Option 12-01-2012 1.74 11.64 10.47 11.7 9.31 - 9.28
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.6 11.62 11.31 11.21 10.73 - 10.14
ICICI Prudential Long Term Plan - Premium Growth Option 04-05-2009 1.26 11.38 12.21 12.84 12.13 - 9.53
ICICI Prudential Long Term Plan Retail - Cumulative 28-03-2002 1.26 11.38 12.21 12.84 12.01 9.71 9.56
ICICI Prudential Long Term Plan - Bonus 01-08-2014 1.26 11.32 12.19 12.05 - - 11.89
ICICI Prudential Long Term - Growth 04-05-2009 1.26 11.32 12.19 12.64 12.1 - 9.62
ICICI Prudential Dynamic Bond Fund - Premium Plus Growth 12-06-2009 1.29 10.92 12.32 12.63 10.84 - 9.15
UTI Bond Fund-Growth (for rep. After 6 months- No Load) 17-05-1998 1.66 10.82 10.5 11.14 9.84 8.84 8.93
SBI Dynamic Bond Fund - REGULAR PLAN - Growth (Previously Magnum NRI - LTP Upto 22/11/09) | Invest Online 09-02-2004 1.52 10.8 11.14 11.39 9.41 7.13 5.8
SBI Magnum Income Fund-Regular Plan-Bonus | Invest Online 25-11-1998 1.45 10.68 10.59 10.8 9.2 7.54 7.91
SBI Magnum Income Fund-Regular Plan-Growth | Invest Online 25-11-1998 1.45 10.68 10.59 10.8 9.19 7.53 7.91
IDFC Dynamic Bond Fund -Regular Plan-GROWTH 01-12-2008 1.48 10.59 10.23 11.41 9.91 - 8.79
IDFC Super Saver Income Fund - Investment Plan -Regular Plan- Growth Option 14-07-2000 1.62 10.34 10.01 11.18 9.72 9.03 8.72
ICICI Prudential Income - Growth 09-07-1998 1.86 10.11 11.32 11.8 9.6 9.39 9.31
ICICI Prudential Income - Bonus 20-05-2013 1.86 10.11 11.32 11.8 - - 8.25
Franklin India Income Builder Account-Growth 23-06-1997 2.11 9.96 8.9 9.79 9.72 8.73 9.21
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth 29-05-2009 1.75 9.87 10.51 11.22 10.11 - 8.53
ICICI Prudential Dynamic Bond Fund - Bonus 20-05-2013 1.29 9.48 10.96 11.31 - - 17.24
ICICI Prudential Dynamic Bond Fund - Growth 12-06-2009 1.29 9.48 10.96 11.31 9.85 - 8.59
Axis Regular Savings Fund - Growth Option 28-03-2012 1.0 9.4 9.84 10.66 9.55 - 9.57
Tata Dynamic Bond Fund B - Growth 03-09-2003 1.63 9.36 9.93 10.78 10.67 8.0 7.35
DHFL Pramerica Inflation Indexed Bond Fund - Regular Plan - Growth 28-01-2014 1.07 9.31 12.65 8.49 - - 7.52
DHFL Pramerica Inflation Indexed Bond Fund - Regular Plan - Bonus 28-01-2014 1.07 9.3 12.68 8.51 - - 7.54
Tata Medium Term Fund B - Growth Option 21-11-2002 1.77 9.22 9.8 10.36 10.11 8.02 7.17
Tata Medium Term Fund B - Income / Bonus Option 21-11-2002 1.77 9.22 9.4 9.49 9.07 7.29 6.53
BNP PARIBAS Flexi Debt Fund-Regular Plan A - Growth Option 06-02-2009 1.74 9.15 10.5 11.02 9.86 - 8.63
DHFL Pramerica Medium Term Income Fund- Regular Plan- Growth 06-03-2014 1.03 9.05 10.19 10.79 - - 11.22
Tata Dynamic Bond Fund Regular Plan - Growth 03-09-2003 1.63 8.95 9.51 10.26 10.28 7.79 7.21
ICICI Prudential Dynamic Accrual Plan - Growth 18-12-2003 1.0 8.88 9.44 11.08 9.66 8.01 7.42
Baroda Pioneer Dynamic Bond Fund - Plan A - Growth Option 30-06-2012 1.57 8.84 10.05 11.09 9.65 - 9.71
BNP PARIBAS Corporate Bond Fund - Regular Plan - Growth Option 08-11-2008 0.82 8.83 9.08 9.48 8.77 - 8.92
BNP PARIBAS CORPORATE BOND FUND GROWTH OPTION 08-11-2008 0.82 8.82 9.08 9.47 8.92 - 7.17
Canara Robeco Income - Regular Plan - Growth 19-09-2002 1.9 8.76 9.36 10.32 9.12 10.16 8.96
IIFL Dynamic Bond Fund Regular Plan Bonus 24-06-2013 0.94 8.75 8.39 9.44 - - 7.58
IIFL Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 0.94 8.75 8.39 9.44 - - 7.58
Axis Dynamic Bond Fund - Growth Option 27-04-2011 1.3 8.75 9.8 10.62 9.45 - 9.3
Tata Long Term Debt Fund - Regular Plan -Bonus 01-01-2003 1.96 8.71 9.32 9.98 9.44 7.37 6.79
Tata Long Term Debt Fund -Regular Plan - Growth 28-04-1997 1.96 8.71 9.31 9.98 9.44 7.37 8.53
BNP PARIBAS Flexi Debt Fund-Regular Plan-Growth Option 23-09-2004 1.74 8.64 10.01 10.72 9.96 9.53 8.77
L&T Resurgent India Corporate Bond Fund - REgular Plan - Growth Option 30-01-2015 1.6 8.64 9.73 - - - 9.8
Reliance Dynamic Bond Fund-Growth Plan-Growth Option 15-11-2004 1.67 8.55 10.21 10.96 9.68 7.33 6.86
Sundaram Bond Saver-Bonus Option 18-12-1997 2.06 8.51 8.91 9.41 8.48 7.46 8.28
Sundaram Bond Saver-Growth 18-12-1997 2.06 8.51 8.91 9.41 8.47 7.47 8.28
Sundaram Flexible Fund -Flexible Income Plan Regular - Growth 30-12-2004 0.88 8.44 9.82 11.03 8.6 7.56 7.18
DHFL Pramerica Premier Bond Fund - Premium Plus Plan - Growth 09-02-2009 1.58 8.44 9.01 9.46 9.08 - 5.77
ICICI Prudential Income Opportunities Fund - Bonus 01-08-2014 0.98 8.42 9.64 7.35 - - 7.26
ICICI Prudential Income Opportunities Fund - Growth 18-08-2008 0.98 8.42 9.64 10.78 9.71 - 10.17
Tata Medium Term Fund Regular Plan - Growth 21-11-2002 1.77 8.38 8.91 9.4 9.14 7.54 6.82
Principal Dynamic Bond Fund - Growth Option 13-05-2003 1.54 8.25 9.47 10.5 8.89 8.68 7.79
Birla Sun Life Active Debt Multi Manager FoF Scheme - Regular Plan - Growth Option 29-12-2006 1.11 8.04 9.71 10.38 9.0 8.29 8.22
Reliance Income Fund - Growth Plan Bonus Option 15-02-2003 1.99 7.92 9.86 10.64 8.89 8.76 7.93
Reliance Income Fund - Growth Plan Growth Option 01-01-1998 1.99 7.92 9.86 10.64 8.89 8.75 9.12
Birla Sun Life Income Plus (Discipline Advantage Plan) 04-03-2009 1.64 7.91 9.75 10.79 9.13 - 8.09
Birla Sun Life Income Plus - Growth - Regular Plan 21-10-1995 1.64 7.91 9.75 10.79 9.12 9.03 9.77
Franklin India Banking & PSU Debt Fund - Growth 25-04-2014 0.45 7.81 8.5 8.75 - - 8.87
Invesco India Active Income Fund - Growth 02-08-2007 1.43 7.81 9.75 9.5 8.54 7.12 7.1
DSP BlackRock Bond Fund - Growth 29-04-1997 2.01 7.78 9.18 10.13 8.79 7.72 8.6
Franklin India Income Builder Account-Monthly 23-06-1997 2.11 7.7 6.64 7.53 7.96 7.44 8.18
Franklin India Income Builder Account-Half Yearly 23-06-1997 2.11 7.62 6.62 7.61 8.0 7.29 8.14
Franklin India Income Builder Account-Quarterly 23-06-1997 2.11 7.54 6.48 7.41 7.76 7.2 8.09
LIC MF Bond Fund-Growth 19-06-1999 1.49 7.52 8.32 9.2 8.18 8.19 8.76
JM Short Term Fund - Growth Option 04-04-2003 0.89 7.5 8.44 8.57 8.42 8.9 6.22
JM Short Term Fund - Regular Plan - Growth Option 24-06-2002 0.89 7.47 8.28 8.38 8.19 8.93 8.08
Baroda Pioneer Income Fund - Plan A - Growth Option 21-03-2002 2.4 7.41 8.67 9.56 8.51 7.34 6.45
L&T Flexi Bond Fund - Regular Plan - Growth Option 24-08-2006 1.49 7.37 9.76 10.78 9.67 5.64 5.65
DSP BlackRock Strategic Bond Fund - Regular Plan - Growth 09-05-2007 1.1 7.24 9.43 10.36 9.52 8.01 8.02
PEERLESS Flexible Income Fund-Growth 21-08-2012 1.51 7.22 8.66 8.09 - - 7.09
Escorts Income Plan-Bonus 22-05-1998 2.25 7.2 7.89 8.94 9.14 9.08 9.4
Escorts Income Plan-Growth 22-05-1998 2.25 7.18 7.87 8.93 9.17 9.09 9.4
DHFL Pramerica Premier Bond Fund - Growth 21-01-2003 1.58 7.17 7.75 8.2 7.85 8.08 7.01
DHFL Pramerica Premier Bond Fund - Half-Yearly Bonus 02-04-2013 1.58 7.17 7.75 9.27 - - 8.33
JM Income Fund - Bonus Option - Principal Units 18-03-2002 0.82 7.17 6.21 8.02 7.27 4.88 5.17
JM Income Fund - Growth Option 01-04-1995 0.82 7.17 6.2 8.02 7.27 4.88 7.24
HDFC High Interest Fund - Dynamic Plan-Growth Option 28-04-1997 1.67 7.17 9.98 10.92 9.83 8.88 9.11
HSBC Flexi Debt Fund-Growth 05-10-2007 1.6 7.15 8.51 9.57 8.6 - 8.79
HSBC Flexi Debt Fund-Reg.Growth 05-10-2007 1.6 6.87 8.23 9.29 8.33 - 8.46
Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.44 6.7 10.0 11.27 10.18 - 9.25
Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.44 6.7 10.0 11.27 10.18 9.86 8.99
Edelweiss Bond Fund - Regular Plan - Growth Option 27-06-2008 1.75 6.67 7.67 8.79 8.01 - 6.62
Kotak Bond Regular Plan Growth 25-11-1999 1.8 6.5 9.21 10.07 8.55 8.99 9.25
HSBC Income Fund - Investment - Growth 10-12-2002 1.84 6.44 8.07 9.2 8.09 8.19 7.28
Indiabulls Income Fund - Regular Plan - Growth Option 04-03-2013 0.75 6.28 7.48 9.05 - - 7.33
HDFC Income Fund-Growth 11-09-2000 1.87 5.92 9.52 10.49 8.87 8.48 8.33
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.98 5.54 7.62 8.75 7.71 - 7.69
IDBI Dynamic Bond Fund Growth 21-02-2012 2.77 5.31 6.89 7.92 6.65 - 6.94
L&T Triple Ace Bond Fund -Regular Bonus 31-03-1997 1.18 4.41 7.43 8.36 7.63 6.13 7.5
L&T Triple Ace Bond Fund-Regular Plan-Growth Plan 31-03-1997 1.18 4.41 7.43 8.36 7.63 5.86 7.36
Taurus Dynamic Income Fund - Growth Option 14-02-2011 0.89 -3.92 1.18 3.67 4.66 - 5.92

Advisorkhoj develops innovative mutual fund research tools that help you in your mutual fund investments. We would be happy to get your feedback, suggestions. Please leave your comments below.

comments powered by Disqus

© 2016 Advisorkhoj - A Gamechanger Business Services (I) Pvt. Ltd. Brand - All Rights Reserved

Feedback