UTI Digital KYC 728X90

Debt Funds / Hybrid Debt Funds vs Fixed Deposit

Fixed Deposit
Debt Fund
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Pre-Tax Return AMC Name Investment Amount Redeemed / Maturity Amount Total Interest / Profit Amount Annual Interest / Return (%)
Fixed Deposit - 100000 105,823 5,823 5.82
HDFC Dynamic Debt Gr HDFCMF 100000 106,210 6,210 6.21
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 - 5,823 Not Applicable Not Applicable 1,747 4,076
HDFC Dynamic Debt Gr HDFCMF 6,210 Short Term Not Applicable 1,863 4,347

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 - 22-04-2021
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 (%)
ICICI Pru All Seasons Bond Gr ICICIMF 01-05-2009 1.5 8.86 10.32 9.13 9.12 10.14 9.0
ABSL Dynamic Bond Gr Reg ABSLMF 27-09-2004 1.37 8.24 5.06 5.25 5.4 7.75 7.79
ABSL Dynamic Bond-Discipline Advtg Gr ABSLMF 30-03-2009 1.37 8.23 5.05 5.24 5.4 7.75 7.52
Axis Dynamic Bond Reg Gr | Invest Online AxisMF 01-04-2011 0.67 7.86 10.8 9.6 8.47 - 8.74
Kotak Dynamic Bond Reg Gr KotakMF 26-05-2008 1.21 7.79 9.67 9.34 8.84 9.11 8.61
IDBI Dynamic Bond Gr IDBIMF 21-02-2012 1.24 7.6 6.88 6.86 5.68 - 6.15
Franklin India Dynamic Accrual Fund Gr FranklinMF 05-03-1997 0.06 6.79 3.62 5.27 6.84 7.86 8.49
Tata Dynamic Bond Reg Gr TataMF 03-09-2003 0.74 6.36 7.42 7.08 6.84 8.08 6.86
IIFL Dynamic Bond Reg Gr IIFLMF 24-06-2013 0.85 6.32 6.94 6.75 6.77 - 6.93
HDFC Dynamic Debt Gr HDFCMF 28-04-1997 1.79 6.21 6.86 5.24 5.67 7.44 8.31
IDFC Dynamic Bond Reg Gr IDFCMF 01-12-2008 1.58 6.15 10.61 9.67 8.56 9.19 8.36
PGIM India Dynamic Bond Gr PGIMIndiaMF 12-01-2012 1.73 5.84 8.64 8.45 8.17 - 8.26
JM Dynamic Debt Reg Gr JMMF 25-06-2003 0.66 5.81 5.87 6.37 6.91 7.7 6.82
DSP Strategic Bond Reg Gr DSPMF 09-05-2007 1.17 5.78 9.87 9.28 7.88 8.68 7.12
Baroda Dynamic Bond Plan A Gr BarodaMF 30-06-2012 1.52 5.63 3.1 3.93 5.37 - 7.11
Nippon India Dynamic Bond Gr Gr NipponIndiaMF 05-11-2004 0.71 5.55 9.06 7.95 7.39 8.49 6.68
SBI Dynamic Bond Reg Gr | Invest Online SBIMF 10-02-2004 1.64 5.47 10.41 9.21 8.69 8.91 6.1
Union Dynamic Bond Gr UnionMF 13-02-2012 1.5 5.44 9.33 8.14 6.74 - 7.12
Indiabulls Dynamic Bond Reg Gr IndiabullsMF 30-11-2018 0.74 5.36 7.26 - - - 7.41
UTI Dynamic Bond Reg Gr UTIMF 23-06-2010 1.59 5.26 1.24 1.73 4.5 7.14 7.13
Quantum Dynamic Bond Reg Gr QuantumMF 01-04-2017 0.71 5.1 9.37 8.42 - - 7.35
L&T Flexi Bond Reg Gr L&TMF 24-08-2006 1.62 5.03 8.38 7.97 7.65 8.54 5.94
Canara Robeco Dynamic Bond Reg Gr CanaraMF 29-05-2009 1.75 4.75 8.13 7.32 7.19 8.28 7.59
HSBC Flexi Debt Gr HSBCMF 05-10-2007 1.74 4.62 8.11 7.76 6.66 7.74 7.94
BNP Paribas Flexi Debt Reg A Gr BNPMF 06-02-2009 1.66 4.62 7.81 7.45 7.49 8.21 7.85
Mirae Asset Dynamic Bond Reg Gr MiraeMF 05-03-2017 1.42 4.58 9.51 8.54 - - 6.94
HSBC Flexi Debt Reg Gr HSBCMF 05-10-2007 1.74 4.36 7.85 7.49 6.39 7.46 7.63
BNP Paribas Flexi Debt Mly BNPMF 09-08-2004 1.84 4.35 6.19 5.61 5.19 - 8.1
BNP Paribas Flexi Debt Gr BNPMF 23-09-2004 1.84 3.99 7.25 6.87 6.93 - 7.99
Edelweiss Money Mkt Reg Gr EdelweissMF 27-06-2008 0.98 3.51 7.99 8.54 7.06 7.36 6.64

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