Shilpa Associates

Fixed Deposit vs Debt Funds

Fixed Deposit

Deposit Amount

Start Date

FD Term (in years)

Debt Fund

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To see Top performing debt funds by category and period, please scroll down

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Income Tax Rate

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Pre-Tax Return	Investment Amount	Redeemed / Maturity Amount	Total Interest / Profit Amount	Annual Interest / Return (%)
Fixed Deposit	100000	106975.37	6975.369999999995	6.98
HDFC Dynamic Debt Fund - Growth Option	100000	104,188	4,188	4.19

Post Tax Return	Pre-tax Interest / Profit Amount	Capital Gains Tax	Indexed Amount	Income / Capital Gains Tax	Post Tax Interest / Profit Amount
Fixed Deposit	6975.369999999995	Not Applicable	Not Applicable	2092.61	4882.759999999995
HDFC Dynamic Debt Fund - Growth Option	4,188	Short Term	Not Applicable	1,256	2,931

Note: The Fixed deposit interest rate is based on historical State Bank of India Fixed deposit rates for different deposit terms. Short Term if term is less than 3 years. Long Term if term is more than three Years.

Top Performing Debt Mutual Funds

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Scheme Name	Launch Date	Expense Ratio (%)	1-Year Ret (%)	2-Yrs Ret (%)	3-Yrs Ret (%)	5-Yrs Ret (%)	10-Yrs Ret (%)	Since Launch Ret (%)
360 ONE Dynamic Bond Reg Gr	24-06-2013	0.52	8.13	8.8	8.11	6.7	6.99	6.95
ICICI Pru All Seasons Bond Gr	01-05-2009	1.28	7.02	7.59	7.57	6.33	8.09	8.3
Mirae Asset Dynamic Bond Reg Gr	05-03-2017	1.02	7.0	7.01	6.6	4.71	-	5.89
JM Dynamic Debt Reg Gr	25-06-2003	0.98	6.72	7.41	7.0	5.51	6.47	6.61
Axis Dynamic Bond Reg Gr	01-04-2011	0.63	6.72	7.59	7.23	5.57	7.34	7.81
ABSL Dynamic Bond-Discipline Advtg Gr	30-03-2009	1.23	6.65	7.72	7.39	6.64	6.29	7.31
ABSL Dynamic Bond Gr Reg	27-09-2004	1.23	6.64	7.72	7.39	6.65	6.3	7.57
Nippon India Dynamic Bond Gr Gr	05-11-2004	0.75	6.59	7.72	7.42	5.48	6.82	6.51
UTI Dynamic Bond Reg Gr	23-06-2010	1.55	5.98	7.29	6.89	8.32	6.67	7.66
Mahindra Manulife Dynamic Bond Fund Reg Gr	01-08-2018	1.57	5.79	7.01	6.61	4.61	-	5.14
Quantum Dynamic Bond Reg Gr	05-04-2017	1.02	5.67	7.38	7.3	5.95	-	6.73
Kotak Dynamic Bond Reg Gr	26-05-2008	1.33	5.51	7.36	7.03	5.37	7.54	7.87
HSBC Dynamic Bond Fund Reg Gr	01-01-2013	0.78	5.38	7.01	6.81	4.86	6.73	5.81
SBI Dynamic Bond Reg Gr	10-02-2004	1.38	5.35	6.97	6.99	5.44	7.37	6.04
PGIM India Dynamic Bond Gr	12-01-2012	1.65	4.75	6.83	6.55	4.89	6.83	7.22
HDFC Dynamic Debt Gr	28-04-1997	1.41	4.19	6.38	6.46	5.71	6.14	7.95
Baroda BNP Paribas Dynamic Bond Fund Gr	23-09-2004	1.7	4.12	6.09	6.39	4.79	6.23	7.41
ITI Dynamic Bond Fund Reg Gr	14-07-2021	1.2	3.9	6.2	6.03	-	-	5.28
DSP Strategic Bond Reg Gr	16-05-2007	1.21	3.68	6.78	7.15	5.1	6.85	6.73
Groww Dynamic Bond Reg Gr	30-11-2018	1.25	3.67	5.23	5.28	4.43	-	5.55
Union Dynamic Bond Gr	13-02-2012	1.57	3.47	5.97	6.11	4.14	5.79	6.25
Bandhan Dynamic Bond Reg Gr	01-12-2008	1.57	3.33	6.55	6.44	4.45	6.86	7.42
Canara Robeco Dynamic Bond Reg Gr	29-05-2009	1.76	3.07	5.32	5.39	3.99	5.98	6.67