Debt Funds vs Fixed Deposits

Debt Fund
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Pre-Tax Return Investment Amount Redeemed / Maturity Amount Total Interest / Profit Amount Annual Interest / Return (%)
Fixed Deposit 100000 -100,000
100000 -100,000
Post Tax Return Pre-tax Interest / Profit Amount Capital Gains Tax Indexed Amount Income / Capital Gains Tax Post Tax Interest / Profit Amount
Fixed Deposit -100,000 Not Applicable Not Applicable -100,000
-100,000 Short Term Not Applicable -100,000

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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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 Fund - Regular Plan - Growth Option 24-06-2013 0.61 5.24 7.89 7.9 6.83 6.86 6.94
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.65 5.16 7.28 7.19 6.12 7.1 7.8
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.32 4.53 6.96 7.11 6.49 7.51 8.21
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.37 4.47 6.27 6.7 6.11 6.99 6.06
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.02 4.45 6.23 6.23 4.99 - 5.8
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.23 4.43 6.93 7.09 6.75 5.83 7.53
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.74 4.36 7.04 7.11 6.2 6.46 6.51
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.34 4.25 6.42 7.03 6.01 7.2 7.84
Bandhan Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.66 4.2 5.39 6.66 5.34 6.72 7.46
MahIndra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.54 3.48 5.89 6.32 4.95 - 5.17
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.69 3.47 6.21 6.5 8.8 6.28 7.57
Quantum Dynamic Term Fund - Regular Plan Growth Option 05-04-2017 0.99 2.81 5.85 6.69 6.2 - 6.61
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.97 2.8 6.11 6.38 5.67 6.18 6.54
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.43 2.73 5.43 6.18 5.08 5.65 7.91
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.64 2.69 5.74 6.36 5.38 6.25 5.79
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.68 1.77 5.02 5.89 5.07 6.39 7.07
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.17 1.66 4.71 6.0 5.48 6.4 6.65
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.22 1.22 4.51 5.46 5.02 - 5.02
Groww Dynamic Term Fund Regular Plan Growth Option 30-11-2018 1.37 1.15 4.19 4.76 4.42 - 5.37
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 1.72 0.9 4.45 5.35 5.13 5.71 7.29
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.71 0.7 3.72 4.76 4.35 5.5 6.56
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.54 0.01 4.02 5.06 4.33 5.31 6.09