Debt Funds / Hybrid Debt Funds vs Fixed Deposit

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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

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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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Debt Funds / Hybrid Debt Funds vs Fixed Deposit

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