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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 0 -100,000 0.0
100000 0 -100,000 0.0
Post Tax Return Pre-tax Interest / Profit Amount Capital Gains Tax Indexed Amount Income / Capital Gains Tax Post Tax Interest / Profit Amount
Fixed Deposit -100,000 Not Applicable Not Applicable 0 -100,000
-100,000 Short Term Not Applicable 0 -100,000

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 - 20-06-2018
Scheme
Name
Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
Indiabulls Income Fund - Regular Plan - Growth Option 04-03-2013 0.75 7.31 7.48 7.53 6.95 - 7.29
Franklin India Corporate Debt Fund - Growth 23-06-1997 0.91 5.4 8.22 7.74 8.15 8.7 9.02
Axis Strategic Bond Fund - Growth Option 28-03-2012 1.0 5.37 8.39 8.25 8.3 - 8.87
ICICI Prudential Advisor Series - Debt Management Fund - Growth 18-12-2003 1.03 5.02 7.79 9.17 8.65 7.7 7.24
JM Short Term Fund - Growth Option 04-04-2003 0.89 4.48 6.83 7.23 7.45 8.72 6.1
JM Short Term Fund - Regular Plan - Growth Option 24-06-2002 0.89 4.48 6.8 7.12 7.27 8.45 7.87
DSP BlackRock Bond Fund - Growth 29-04-1997 0.8 4.33 7.72 7.48 7.42 7.74 8.4
DHFL Pramerica Premier Bond Fund - Premium Plus Plan - Growth 09-02-2009 1.24 4.09 6.91 7.36 7.67 - 5.53
Edelweiss Banking and PSU Debt Fund - Regular Plan - Growth Option 06-09-2013 0.5 4.08 5.99 6.64 - - 7.9
Franklin India Banking & PSU Debt Fund - Growth 25-04-2014 0.59 4.08 6.58 7.07 - - 7.78
BNP Paribas Corporate Bond Fund Growth Option 08-11-2008 0.45 4.06 7.4 7.33 7.79 - 6.81
IIFL Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 1.33 3.78 6.23 6.89 6.83 - 6.82
Franklin India Corporate Debt Fund - Monthly Dividend 23-06-1997 0.9 3.19 5.95 5.42 6.04 7.32 7.89
Sundaram Medium Term Bond Fund - Regular Growth 18-12-1997 2.0 3.17 6.93 6.88 6.63 7.12 8.03
DHFL Pramerica Strategic Debt Fund - Regular Plan - Growth 28-01-2014 1.12 3.15 7.05 8.96 - - 6.39
Franklin India Corporate Debt Fund - Half Yearly Dividend 23-06-1997 0.9 2.94 5.69 5.26 5.94 6.91 7.6
Franklin India Corporate Debt Fund - Quarterly Dividend 23-06-1997 0.9 2.94 5.7 5.02 5.81 6.87 7.69
L&T Resurgent India Bond Fund - Regular Plan - Growth 30-01-2015 1.59 2.94 6.79 7.7 - - 7.79
DHFL Pramerica Premier Bond Fund - Growth 21-01-2003 1.24 2.91 5.69 6.13 6.44 8.0 6.73
L&T Triple Ace Bond Fund-Regular Plan-Growth 31-03-1997 0.5 2.87 5.2 5.77 5.84 6.49 7.12
DHFL Pramerica Medium Term Fund- Regular Plan- Growth 06-03-2014 1.03 2.85 7.06 7.74 - - 9.27
Baroda Pioneer Dynamic Bond Fund - Plan A - Growth Option 30-06-2012 1.61 2.52 7.12 7.6 7.97 - 8.56
ICICI Prudential All Seasons Bond Fund Retail - Cumulative 28-03-2002 1.26 2.18 9.0 9.04 10.77 9.07 9.12
ICICI Prudential All Seasons Bond Fund - Premium Growth Option 04-05-2009 1.26 2.18 9.0 9.04 10.83 - 8.77
ICICI Prudential All Seasons Bond Fund - Growth 04-05-2009 1.26 2.06 8.91 8.98 10.73 - 8.84
Tata Medium Term Fund Regular Plan - Growth 21-11-2002 1.86 2.01 6.51 6.7 7.11 7.19 6.52
Sundaram Corporate Bond Fund Regular - Growth 30-12-2004 0.89 1.86 6.47 7.22 7.42 6.92 6.74
SBI Magnum Income Fund-Regular Plan-Growth | Invest Online 25-11-1998 1.45 1.73 7.26 7.66 6.83 7.43 7.6
ICICI Prudential Bond Fund - Growth 18-08-2008 1.38 1.72 6.37 6.99 7.4 - 9.3
Aditya Birla Sun Life Active Debt Multi Manager FoF Scheme - Regular Plan - Growth Option 29-12-2006 1.1 1.7 7.06 7.2 6.76 7.71 7.69
L&T Flexi Bond Fund - Regular Plan - Growth 24-08-2006 1.49 1.63 6.83 7.39 7.73 5.09 5.36
JM Income Fund - Growth Option 01-04-1995 0.8 1.29 4.74 4.65 5.33 4.77 6.98
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.63 1.19 8.32 8.03 8.85 - 9.07
BNP PARIBAS Flexi Debt Fund-Regular Plan A - Growth Option 06-02-2009 1.81 1.1 7.24 7.39 7.85 - 7.86
Principal Dynamic Bond Fund - Growth Option 13-05-2003 1.54 0.94 6.18 6.7 6.82 8.02 7.44
DHFL Pramerica Dynamic Bond Fund - Growth Option 12-01-2012 1.46 0.87 7.55 7.25 7.45 - 8.01
Axis Dynamic Bond Fund - Growth Option 27-04-2011 1.3 0.81 6.43 6.96 7.19 - 8.18
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 24-03-2017 2.14 0.76 - - - - 2.53
BNP Paribas Flexi Debt Fund Growth Option 23-09-2004 1.81 0.54 6.7 6.9 7.67 - 8.37
Canara Robeco Income Fund - Regular Plan - Growth 19-09-2002 1.9 0.51 6.56 6.54 6.93 9.46 8.44
Quantum Dynamic Bond Fund - Regular Plan Growth Option 01-04-2017 0.79 0.49 - - - - 3.99
Essel Flexible Income Fund-Growth 21-08-2012 1.55 0.32 5.31 5.98 5.21 - 5.97
UTI Bond Fund-Growth (for rep. After 6 months- No Load) 17-05-1998 1.63 0.28 7.43 7.16 7.2 8.26 8.51
Edelweiss Dynamic Bond Fund - Regular Plan - Growth Option 27-06-2008 0.9 0.03 4.58 5.34 5.82 - 5.98
Tata Dynamic Bond Fund Regular Plan - Growth 03-09-2003 1.7 0.01 6.11 6.53 7.75 7.01 6.75
Baroda Pioneer Income Fund - Plan A - Growth Option 21-03-2002 2.46 -0.04 5.05 5.77 6.38 6.82 6.04
SBI Dynamic Bond Fund - Regular Plan - Growth (Previously Magnum NRI) | Invest Online 09-02-2004 1.7 -0.13 6.91 7.59 6.81 7.09 5.41
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.42 -0.13 4.33 5.08 5.5 - 6.48
LIC MF Bond Fund-Regular Plan-Growth 19-06-1999 1.05 -0.15 5.32 5.55 6.25 7.51 8.3
DSP BlackRock Strategic Bond Fund - Regular Plan - Growth 09-05-2007 1.1 -0.37 5.43 6.25 7.34 6.42 6.46
Tata Income Fund -Regular Plan - Growth 28-04-1997 2.02 -0.41 5.54 6.2 6.9 6.71 8.13
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.68 -0.41 5.9 6.68 7.31 8.18 8.68
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth 29-05-2009 1.75 -0.47 7.02 6.94 7.35 - 7.59
ICICI Prudential Long Term Bond Fund - Growth 09-07-1998 1.57 -0.52 7.11 7.57 6.95 8.72 8.84
BNP Paribas Flexi Debt Fund Monthly Option 09-08-2004 1.81 -0.52 4.59 4.86 5.53 - 9.22
Reliance Dynamic Bond Fund-Growth Plan-Growth Option 15-11-2004 1.69 -0.6 6.05 6.7 6.98 6.98 6.31
Reliance Income Fund - Growth Plan Growth Option 01-01-1998 2.16 -0.74 5.82 6.47 6.25 7.95 8.66
IDFC Dynamic Bond Fund -Regular Plan-GROWTH 01-12-2008 1.59 -0.74 6.52 6.75 7.15 - 7.84
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.47 -0.91 5.48 6.52 7.78 8.72 8.29
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.47 -0.91 5.48 6.52 7.78 - 8.18
Aditya Birla Sun Life Income Fund (Discipline Advantage Plan) 04-03-2009 1.48 -1.01 5.86 6.17 6.13 - 7.14
Aditya Birla Sun Life Income Fund - Growth - Regular Plan 21-10-1995 1.48 -1.01 5.86 6.17 6.13 8.05 9.31
IDFC Bond Fund - Long Term Plan - Regular Plan- Growth Option 14-07-2000 1.77 -1.12 6.2 6.46 6.92 8.08 8.19
Invesco India Corporate Bond Fund - Growth 02-08-2007 0.9 -1.28 5.95 6.09 6.18 6.66 6.32
HSBC Flexi Debt Fund-Growth 05-10-2007 1.6 -1.32 4.64 5.39 6.07 7.91 7.88
Escorts Income Plan-Growth 22-05-1998 2.25 -1.38 3.66 5.31 6.84 8.32 8.89
Kotak Bond Regular Plan Growth 25-11-1999 1.84 -1.46 5.16 6.07 6.02 8.19 8.73
IDBI Dynamic Bond Fund Growth 21-02-2012 1.8 -1.53 3.64 4.19 4.44 - 5.67
HSBC Flexi Debt Fund-Reg.Growth 05-10-2007 1.6 -1.56 4.38 5.12 5.8 7.59 7.56
HSBC Debt Fund - Growth 10-12-2002 1.83 -1.81 4.05 4.92 5.45 7.22 6.71
HDFC Income Fund-Growth 11-09-2000 1.96 -1.89 4.99 5.95 6.22 7.75 7.78

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