Debt Funds / Hybrid Debt Funds vs Fixed Deposit
| 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
| 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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