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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 106,398 6,398 6.4
HDFC Dynamic Debt Fund - Growth Option 100000 100,793 793 0.79
Post Tax Return Pre-tax Interest / Profit Amount Capital Gains Tax Indexed Amount Income / Capital Gains Tax Post Tax Interest / Profit Amount
Fixed Deposit 6,398 Not Applicable Not Applicable 1,919 4,479
HDFC Dynamic Debt Fund - Growth Option 793 Short Term Not Applicable 238 555

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 - 23-10-2018
Scheme
Name
Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
JM Dynamic Debt Fund - Premium Plan - Growth Option 13-10-2004 0.62 7.27 7.49 7.88 8.32 7.63 7.34
JM Dynamic Debt Fund - Regular Plan - Growth Option 25-06-2003 0.62 7.26 7.47 7.83 8.27 7.55 6.92
Franklin India Dynamic Accrual Fund-Growth 05-03-1997 1.77 5.72 7.68 8.29 9.53 8.48 8.89
IIFL Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 1.33 3.89 5.91 6.32 7.98 - 6.71
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 0.95 3.88 5.53 7.74 8.49 8.21 8.25
ICICI Prudential All Seasons Bond Fund Retail - Cumulative 28-03-2002 1.35 3.35 5.84 8.12 10.49 8.89 9.04
ICICI Prudential All Seasons Bond Fund - Premium Growth Option 04-05-2009 1.35 3.35 5.84 8.12 10.53 - 8.64
ICICI Prudential All Seasons Bond Fund - Growth 04-05-2009 1.35 3.24 5.75 8.06 10.41 - 8.7
Baroda Pioneer Dynamic Bond Fund - Plan A - Growth Option 30-06-2012 1.62 3.09 4.85 6.94 8.61 - 8.4
L&T Flexi Bond Fund - Regular Plan - Growth 24-08-2006 1.73 2.69 4.0 6.57 8.24 5.01 5.35
Axis Dynamic Bond Fund - Growth Option 27-04-2011 1.52 2.48 4.49 6.43 8.17 - 8.11
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.72 1.86 5.42 7.11 8.87 - 8.87
Tata Dynamic Bond Fund Regular Plan - Growth 03-09-2003 1.67 1.84 4.12 6.01 7.97 6.88 6.74
BNP PARIBAS Flexi Debt Fund-Regular Plan A - Growth Option 06-02-2009 1.8 1.79 4.62 6.74 8.21 - 7.77
DHFL Pramerica Dynamic Bond Fund - Growth Option 12-01-2012 1.76 1.75 5.64 6.63 8.0 - 7.87
Quantum Dynamic Bond Fund - Regular Plan Growth Option 01-04-2017 0.79 1.64 - - - - 4.43
IDFC Dynamic Bond Fund -Regular Plan-GROWTH 01-12-2008 1.59 1.56 4.37 6.24 8.05 - 7.81
Edelweiss Dynamic Bond Fund - Regular Plan - Growth Option 27-06-2008 1.0 1.49 3.11 4.86 7.02 5.9 5.97
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 24-03-2017 2.14 1.47 - - - - 2.75
SBI Dynamic Bond Fund - Regular Plan - Growth (Previously Magnum NRI) | Invest Online 09-02-2004 1.69 1.45 4.73 6.85 7.88 7.47 5.41
Principal Dynamic Bond Fund - Growth Option 13-05-2003 1.65 1.35 3.87 5.94 7.68 8.2 7.39
BNP Paribas Flexi Debt Fund Growth Option 23-09-2004 1.8 1.23 4.08 6.21 7.93 - 8.16
DSP Strategic Bond Fund - Regular Plan - Growth 09-05-2007 1.08 1.14 2.91 5.64 7.69 6.65 6.44
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth 29-05-2009 1.64 1.1 4.01 6.32 7.99 - 7.51
BNP Paribas Flexi Debt Fund Monthly Option 09-08-2004 1.8 0.89 2.68 4.24 5.74 - 8.91
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.86 0.79 2.72 5.86 8.03 8.22 8.62
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.65 0.65 2.67 5.81 8.31 8.56 8.23
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.65 0.64 2.67 5.81 8.31 - 8.09
HSBC Flexi Debt Fund-Growth 05-10-2007 1.6 0.55 2.54 4.79 6.85 7.94 7.83
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.51 0.5 1.94 4.41 6.41 - 6.35
HSBC Flexi Debt Fund-Reg.Growth 05-10-2007 1.6 0.3 2.28 4.52 6.58 7.63 7.51
Reliance Dynamic Bond Fund-Growth Plan-Growth Option 03-11-2004 1.9 0.23 3.09 5.85 7.8 7.01 6.26
IDBI Dynamic Bond Fund Growth 21-02-2012 1.79 0.13 1.66 3.72 5.35 - 5.66

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