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Fixed Deposit vs Debt Funds

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Fixed Deposit vs Debt Funds
Fixed Deposit
Debt Fund

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 108,056 8,056 8.06
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 8,056 Short Term Not Applicable 2,417 5,639

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


Scheme
Name 		Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
Nippon India Dynamic Bond Gr Gr 05-11-2004 0.74 10.72 8.6 8.99 6.11 7.24 6.64
360 ONE Dynamic Bond Reg Gr 24-06-2013 0.52 10.65 8.99 8.4 7.39 7.28 7.06
Axis Dynamic Bond Reg Gr 01-04-2011 0.63 9.67 7.98 8.47 6.24 7.66 7.99
ABSL Dynamic Bond Gr Reg 27-09-2004 1.23 9.65 8.35 9.02 7.54 6.59 7.68
ABSL Dynamic Bond-Discipline Advtg Gr 30-03-2009 1.23 9.65 8.34 9.01 7.54 6.59 7.45
JM Dynamic Debt Reg Gr 25-06-2003 0.97 9.64 7.87 7.56 6.09 6.8 6.71
ICICI Pru All Seasons Bond Gr 01-05-2009 1.29 9.46 8.35 8.71 6.97 8.38 8.45
Quantum Dynamic Bond Reg Gr 05-04-2017 0.96 9.11 8.66 8.48 6.42 - 7.07
HSBC Dynamic Bond Fund Reg Gr 01-01-2013 0.77 8.99 8.03 7.47 5.44 7.19 5.94
UTI Dynamic Bond Reg Gr 23-06-2010 1.53 8.96 7.9 7.34 8.63 7.06 7.84
Kotak Dynamic Bond Reg Gr 26-05-2008 1.33 8.7 8.26 7.81 6.28 7.99 8.04
PGIM India Dynamic Bond Gr 12-01-2012 1.64 8.52 7.77 7.19 5.42 7.17 7.48
SBI Dynamic Bond Reg Gr 10-02-2004 1.41 8.38 7.68 8.13 5.78 7.77 6.14
ITI Dynamic Bond Fund Reg Gr 14-07-2021 1.19 8.37 7.7 7.0 - - 6.05
Mirae Asset Dynamic Bond Reg Gr 05-03-2017 1.02 8.27 7.04 7.16 4.61 - 5.96
Mahindra Manulife Dynamic Bond Fund Reg Gr 01-08-2018 1.57 8.24 7.42 7.32 4.97 - 5.35
Baroda BNP Paribas Dynamic Bond Fund Gr 23-09-2004 1.7 8.24 7.36 7.91 5.3 6.7 7.61
DSP Strategic Bond Reg Gr 16-05-2007 1.19 8.22 7.98 7.81 5.75 7.35 6.92
Union Dynamic Bond Gr 13-02-2012 1.55 8.13 7.24 7.17 5.02 6.26 6.54
HDFC Dynamic Debt Gr 28-04-1997 1.52 8.12 7.66 7.47 6.63 6.57 8.1
Groww Dynamic Bond Reg Gr 30-11-2018 1.25 7.15 6.2 6.22 5.14 - 5.97
Canara Robeco Dynamic Bond Reg Gr 29-05-2009 1.75 6.83 6.46 6.8 4.62 6.44 6.92
Bandhan Dynamic Bond Reg Gr 01-12-2008 1.57 6.58 7.23 7.44 5.11 7.32 7.63

Disclaimer: We have gathered all the data, information, statistics from the sources believed to be highly reliable and true. All necessary precautions have been taken to avoid any error, lapse or insufficiency; however, no representations or warranties are made (express or implied) as to the reliability, accuracy or completeness of such information. We cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken in on, any information appearing herein. The user is advised to verify the contents of the report independently.

Returns less than 1 year are in absolute (%) and greater than 1 year are compounded annualised (CAGR %). SIP returns are shown in XIRR (%).

The Risk Level of any of the schemes must always be commensurate with the risk profile, investment objective or financial goals of the investor concerned. Mutual Fund Distributors (MFDs) or Registered Investment Advisors (RIAs) should assess the risk profile and investment needs of individual investors into consideration and make scheme(s) or asset allocation recommendations accordingly.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance may or may not be sustained in the future. Investors should always invest according to their risk profile and consult with their mutual fund distributors or financial advisor before investing.