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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 107,450 7,450 7.45
ICICI Prudential Dynamic Bond Fund - Growth 100000 112,416 12,416 12.42
Post Tax Return Pre-tax Interest / Profit Amount Capital Gains Tax Indexed Amount Income / Capital Gains Tax Post Tax Interest / Profit Amount
Fixed Deposit 7,450 Not Applicable Not Applicable 2,235 5,215
ICICI Prudential Dynamic Bond Fund - Growth 12,416 Short Term Not Applicable 3,725 8,692

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 - 27-06-2017
Scheme
Name
Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
Quantum Dynamic Bond Fund - Growth Option 19-05-2015 0.57 15.84 12.72 - - - 12.47
ICICI Prudential Long Term Plan - Premium Growth Option 04-05-2009 1.27 15.41 13.04 12.92 12.28 - 9.59
ICICI Prudential Long Term Plan Retail - Cumulative 28-03-2002 1.27 15.41 13.04 12.92 12.16 9.74 9.58
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.64 15.4 12.0 11.31 10.96 - 10.22
ICICI Prudential Long Term Plan - Bonus 01-08-2014 1.27 15.36 13.02 - - - 12.16
ICICI Prudential Long Term - Growth 04-05-2009 1.27 15.36 13.02 12.72 12.27 - 9.67
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth 29-05-2009 1.75 14.67 11.24 11.29 10.23 - 8.62
UTI Bond Fund-Growth (for rep. After 6 months- No Load) 17-05-1998 1.66 14.62 11.09 11.05 9.92 8.9 8.95
ICICI Prudential Income - Bonus 20-05-2013 1.86 14.51 12.26 11.77 - - 8.39
ICICI Prudential Income - Growth 09-07-1998 1.86 14.51 12.26 11.77 9.72 9.69 9.35
DHFL Pramerica Dynamic Bond Fund - Growth Option 12-01-2012 1.74 14.17 10.95 11.66 9.31 - 9.35
SBI Dynamic Bond Fund - REGULAR PLAN - Growth (Previously Magnum NRI - LTP Upto 22/11/09) | Invest Online 09-02-2004 1.5 14.13 12.18 11.45 9.61 7.18 5.83
IDFC Dynamic Bond Fund -Regular Plan-GROWTH 01-12-2008 1.49 13.88 11.21 11.5 10.07 - 8.86
ICICI Prudential Dynamic Bond Fund - Premium Plus Growth 12-06-2009 1.31 13.87 12.85 12.57 10.88 - 9.15
IDFC - SSIF - Investment Plan -Regular Plan- Growth Option 14-07-2000 1.79 13.64 10.98 11.25 9.87 9.24 8.75
BNP PARIBAS Flexi Debt Fund-Regular Plan A - Growth Option 06-02-2009 1.74 13.29 11.07 11.06 9.88 - 8.69
SBI Magnum Income Fund-Regular Plan-Bonus | Invest Online 25-11-1998 1.45 12.96 11.25 10.66 9.37 7.65 7.92
SBI Magnum Income Fund-Regular Plan-Growth | Invest Online 25-11-1998 1.45 12.96 11.26 10.66 9.37 7.65 7.92
Tata Dynamic Bond Fund B - Growth 03-09-2003 1.64 12.82 10.78 11.0 10.79 8.07 7.4
Invesco India Active Income Fund - Growth 02-08-2007 1.43 12.82 10.36 9.43 8.67 - 7.1
Reliance Dynamic Bond Fund-Growth Plan-Growth Option 15-11-2004 1.67 12.78 10.99 10.91 9.83 7.27 6.87
BNP PARIBAS Flexi Debt Fund-Regular Plan-Growth Option 23-09-2004 1.74 12.77 10.61 10.81 10.0 9.57 8.81
Birla Sun Life Income Plus (Discipline Advantage Plan) 04-03-2009 1.68 12.59 10.36 10.81 9.21 - 8.14
Birla Sun Life Income Plus - Growth - Regular Plan 21-10-1995 1.68 12.59 10.36 10.81 9.2 9.42 9.8
Canara Robeco Income - Regular Plan - Growth 19-09-2002 1.9 12.52 9.99 10.3 9.25 10.19 8.99
ICICI Prudential Dynamic Bond Fund - Bonus 20-05-2013 1.31 12.42 11.51 11.26 - - 17.57
ICICI Prudential Dynamic Bond Fund - Growth 12-06-2009 1.31 12.42 11.51 11.26 9.91 - 8.61
Tata Dynamic Bond Fund Regular Plan - Growth 03-09-2003 1.64 12.41 10.34 10.47 10.41 7.87 7.26
Reliance Income Fund - Growth Plan Bonus Option 15-02-2003 1.97 12.34 10.66 10.58 9.0 8.9 7.97
Reliance Income Fund - Growth Plan Growth Option 01-01-1998 1.97 12.34 10.66 10.58 9.0 8.9 9.16
Birla Sun Life Active Debt Multi Manager FoF Scheme - Regular Plan - Growth Option 29-12-2006 1.11 12.13 10.56 10.32 9.11 8.38 8.27
HDFC High Interest Fund - Dynamic Plan-Growth Option 28-04-1997 1.73 11.94 10.79 10.93 9.95 9.03 9.15
Axis Dynamic Bond Fund - Growth Option 27-04-2011 1.3 11.94 10.45 10.66 9.58 - 9.39
Tata Income Plus Fund B - Growth Option 21-11-2002 1.77 11.8 10.26 10.33 10.09 7.93 7.17
Tata Income Plus Fund B - Income / Bonus Option 21-11-2002 1.77 11.8 9.85 9.47 9.05 7.2 6.53
L&T Flexi Bond Fund - Regular Plan - Growth Option 24-08-2006 1.49 11.8 10.65 11.05 9.92 5.75 5.7
Baroda Pioneer Dynamic Bond Fund - Plan A - Growth Option 30-06-2012 1.57 11.66 10.48 11.03 - - 9.75
Tata Income Fund - Regular Plan -Bonus 01-01-2003 1.95 11.6 9.97 10.03 9.62 7.43 6.81
Tata Income Fund -Regular Plan - Growth 28-04-1997 1.95 11.59 9.96 10.02 9.61 7.43 8.57
HDFC Income Fund-Growth 11-09-2000 1.9 11.54 10.45 10.54 9.07 8.71 8.37
Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.46 11.54 10.74 11.36 10.39 - 9.34
Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.46 11.54 10.74 11.36 10.39 9.97 9.05
Kotak Bond-Plan A-Growth 25-11-1999 1.8 11.38 10.34 10.15 8.77 9.21 9.32
Principal Dynamic Bond Fund - Growth Option 13-05-2003 1.55 11.35 9.98 10.44 9.03 8.71 7.8
Axis Income Fund - Growth Option 28-03-2012 1.0 11.33 10.13 10.55 9.55 - 9.55
DHFL Pramerica Medium Term Income Fund- Regular Plan- Growth 06-03-2014 1.03 11.32 10.5 10.45 - - 11.26
Sundaram Flexible Fund -Flexible Income Plan Regular - Growth 30-12-2004 0.88 11.21 10.34 10.55 8.6 7.53 7.15
DSP BlackRock Strategic Bond Fund - Regular Plan - Growth 09-05-2007 1.09 11.16 10.08 10.38 9.67 8.05 8.07
ICICI Prudential Income Opportunities Fund - Bonus 01-08-2014 0.99 11.12 10.01 - - - 7.16
ICICI Prudential Income Opportunities Fund - Growth 18-08-2008 0.99 11.12 10.01 10.38 9.8 - 10.18
Franklin India Income Builder Account-Growth 23-06-1997 2.11 11.02 9.1 9.73 9.8 8.84 9.2
DHFL Pramerica Inflation Indexed Bond Fund - Regular Plan - Growth 28-01-2014 1.07 10.95 12.52 8.31 - - 7.36
Tata Income Plus Fund Regular Plan - Growth 21-11-2002 1.77 10.95 9.34 9.36 9.13 7.46 6.83
DHFL Pramerica Inflation Indexed Bond Fund - Regular Plan - Bonus 28-01-2014 1.07 10.94 12.55 8.34 - - 7.39
DSP BlackRock Bond Fund - Growth 29-04-1997 1.99 10.84 9.45 9.95 8.78 7.7 8.6
LIC MF Bond Fund-Growth 19-06-1999 1.49 10.81 8.67 9.07 8.26 8.3 8.78
BNP Paribas Bond Fund Growth Option 08-11-2008 0.82 10.73 9.16 9.22 8.95 - 7.13
BNP Paribas Bond Fund - Regular Plan - Growth Option 08-11-2008 0.82 10.72 9.16 9.22 8.79 - 8.91
L&T Resurgent India Corporate Bond Fund - REgular Plan - Growth Option 30-01-2015 1.6 10.68 10.33 - - - 9.84
Sundaram Bond Saver-Bonus Option 18-12-1997 2.05 10.67 9.13 9.23 8.58 7.42 8.28
Sundaram Bond Saver-Growth 18-12-1997 2.05 10.67 9.13 9.23 8.58 7.43 8.28
HSBC Flexi Debt Fund-Growth 05-10-2007 1.6 10.54 9.27 9.58 8.76 - 8.85
ICICI Prudential Dynamic Accrual Plan - Growth 18-12-2003 1.0 10.37 11.49 10.96 9.66 8.0 7.41
HSBC Flexi Debt Fund-Reg.Growth 05-10-2007 1.6 10.25 8.99 9.3 8.48 - 8.52
PEERLESS Flexible Income Fund-Growth 21-08-2012 1.51 10.16 9.19 8.15 - - 7.16
Baroda Pioneer Income Fund - Plan A - Growth Option 21-03-2002 2.4 10.06 9.03 9.55 8.54 7.24 6.44
HSBC Income Fund - Investment - Growth 10-12-2002 1.84 9.8 8.8 9.2 8.26 8.32 7.31
DHFL Pramerica Premier Bond Fund - Premium Plus Plan - Growth 09-02-2009 1.58 9.71 9.05 9.26 9.15 - 5.7
Edelweiss Bond Fund - Retail Plan - Growth Option 27-06-2008 1.75 9.11 8.26 8.57 8.02 - 6.64
Franklin India Banking & PSU Debt Fund - Growth 25-04-2014 0.45 9.08 8.8 8.72 - - 8.96
JM Short Term Fund..-Growth Plan 24-06-2002 0.89 8.92 8.62 8.41 8.28 8.96 8.1
Franklin India Income Builder Account-Monthly 23-06-1997 2.11 8.72 6.83 7.48 8.08 7.53 8.17
IIFL Dynamic Bond Fund Regular Plan Bonus 24-06-2013 0.94 8.69 8.92 9.4 - - 7.61
IIFL Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 0.94 8.69 8.92 9.4 - - 7.61
Franklin India Income Builder Account-Half Yearly 23-06-1997 2.11 8.65 6.82 7.55 8.07 7.4 8.12
IDBI Dynamic Bond Fund Growth 21-02-2012 2.77 8.62 7.43 8.03 6.81 - 7.03
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.89 8.58 8.09 8.82 7.73 - 7.73
Franklin India Income Builder Account-Quarterly 23-06-1997 2.11 8.57 6.68 7.36 7.8 7.27 8.07
Escorts Income Plan-Bonus 22-05-1998 2.25 8.54 8.63 9.26 9.35 9.28 9.43
Escorts Income Plan-Growth 22-05-1998 2.25 8.53 8.62 9.25 9.37 9.3 9.43
DHFL Pramerica Premier Bond Fund - Growth 21-01-2003 1.58 8.44 7.79 8.01 7.92 8.13 6.99
DHFL Pramerica Premier Bond Fund - Half-Yearly Bonus 02-04-2013 1.58 8.44 7.79 9.08 - - 8.3
JM Income Fund - Bonus Option - Principal Units 18-03-2002 0.82 8.19 6.81 8.04 7.39 4.81 5.17
JM Income Fund - Growth Option 01-04-1995 0.82 8.19 6.81 8.04 7.38 4.81 7.24
Indiabulls Income Fund - Regular Plan - Growth Option 04-03-2013 0.75 7.54 7.93 8.85 - - 7.31
L&T Triple Ace Bond Fund -Regular Bonus 31-03-1997 1.52 7.09 7.63 8.02 7.63 6.01 7.47
L&T Triple Ace Bond Fund-Regular Plan-Growth Plan 31-03-1997 1.52 7.09 7.63 8.03 7.63 5.75 7.34
Taurus Dynamic Income Fund - Growth Option 14-02-2011 0.89 -7.26 -0.15 2.3 4.03 - 5.31

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