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 106,890 6,890 6.87
HDFC Dynamic Debt Fund - Growth Option HDFCMF 100000 108,520 8,520 8.5
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 - 6,890 Not Applicable Not Applicable 2,067 4,823
HDFC Dynamic Debt Fund - Growth Option HDFCMF 8,520 Short Term Not Applicable 2,556 5,964

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 - 28-09-2020
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 Prudential All Seasons Bond Fund - Growth ICICIMF 01-05-2009 1.52 11.82 10.86 8.08 9.46 10.03 9.1
Axis Dynamic Bond Fund - Regular Plan - Growth Option | Invest Online AxisMF 01-04-2011 0.67 11.66 11.96 8.5 8.8 - 8.91
IDFC Dynamic Bond Fund -Regular Plan-GROWTH IDFCMF 01-12-2008 1.72 11.5 12.78 8.44 8.87 9.33 8.59
DSP Strategic Bond Fund - Regular Plan - Growth DSPMF 09-05-2007 1.1 11.37 12.2 8.09 8.38 8.81 7.25
Kotak Dynamic Bond Fund Regular Plan Growth KotakMF 26-05-2008 1.15 10.52 11.66 8.87 9.42 9.29 8.78
Quantum Dynamic Bond Fund - Regular Plan Growth Option QuantumMF 01-04-2017 0.75 9.95 10.5 7.08 - - 7.74
Mirae Asset Dynamic Bond Fund-Regular Plan Growth MiraeMF 10-03-2017 1.38 9.94 11.66 7.89 - - 7.54
Union Dynamic Bond Fund - Growth Option UnionMF 13-02-2012 1.51 9.86 10.87 7.06 7.08 - 7.35
SBI Dynamic Bond Fund - Regular Plan - Growth | Invest Online SBIMF 10-02-2004 1.64 9.85 11.8 7.94 8.96 9.05 6.14
IDBI Dynamic Bond Fund Growth IDBIMF 21-02-2012 1.54 9.85 8.1 5.03 5.6 - 6.17
L&T Flexi Bond Fund - Regular Plan - Growth L&TMF 24-08-2006 1.62 9.64 10.6 7.71 8.39 8.66 6.07
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option NipponIndiaMF 01-11-2004 0.69 9.34 10.23 6.62 7.82 8.53 6.75
BNP PARIBAS Flexi Debt Fund-Regular Plan A - Growth Option BNPMF 06-02-2009 1.66 8.93 9.4 6.62 7.98 8.19 8.04
PGIM India Dynamic Bond Fund - Growth Option PGIMIndiaMF 12-01-2012 1.76 8.81 10.85 7.52 8.48 - 8.53
HDFC Dynamic Debt Fund - Growth Option HDFCMF 28-04-1997 1.79 8.66 6.39 4.2 6.26 7.51 8.42
BNP Paribas Flexi Debt Fund Growth Option BNPMF 23-09-2004 1.65 8.61 8.87 6.08 7.45 - 8.33
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth CanaraMF 29-05-2009 1.75 8.43 9.39 6.28 7.72 8.43 7.82
Tata Dynamic Bond Fund Regular Plan - Growth TataMF 03-09-2003 1.41 8.2 8.07 5.72 7.04 8.14 6.89
HSBC Flexi Debt Fund-Growth HSBCMF 05-10-2007 1.74 7.64 10.07 6.43 7.02 7.91 8.14
Principal Dynamic Bond Fund - Growth Option PrincipalMF 13-05-2003 1.52 7.48 4.04 2.85 5.47 7.03 7.01
Edelweiss Dynamic Bond Fund - Regular Plan - Growth Option EdelweissMF 27-06-2008 0.98 7.45 11.51 7.74 7.59 7.54 6.82
HSBC Flexi Debt Fund-Reg.Growth HSBCMF 05-10-2007 1.74 7.38 9.8 6.17 6.76 7.62 7.83
IIFL Dynamic Bond Fund - Regular Plan - Growth Option IIFLMF 24-06-2013 1.07 7.26 7.64 6.34 6.98 - 6.96
BNP Paribas Flexi Debt Fund Monthly Option BNPMF 09-08-2004 1.65 6.76 6.54 4.41 5.34 - 8.31
JM Dynamic Debt Fund - Regular Plan - Growth Option JMMF 25-06-2003 0.66 6.71 6.8 6.95 7.44 7.86 6.9
Baroda Dynamic Bond Fund - Plan A - Growth Option BarodaMF 30-06-2012 1.51 6.6 3.02 2.68 5.44 - 6.99
Quant Dynamic Bond-Growth QuantMF 22-05-1998 0.21 5.46 7.05 4.51 5.57 7.76 8.63
Indiabulls Dynamic Bond Fund - Regular Plan - Growth option IndiabullsMF 30-11-2018 0.74 5.25 - - - - 7.5
UTI Dynamic Bond Fund - Regular Plan - Growth Option UTIMF 23-06-2010 1.59 5.2 1.08 1.25 4.95 7.4 7.34
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan ABSLMF 27-09-2004 1.65 0.98 4.94 3.34 5.75 7.71 7.83
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth ABSLMF 30-03-2009 1.65 0.97 4.94 3.33 5.75 7.71 7.56
Franklin India Dynamic Accrual Fund-Growth FranklinMF 05-03-1997 0.86 -4.76 1.79 3.06 5.77 7.2 8.26

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