Debt Funds / Hybrid Debt Funds vs Fixed Deposit

Fixed Deposit
Debt Fund
Pre-Tax Return AMC Name Investment Amount Redeemed / Maturity Amount Total Interest / Profit Amount Annual Interest / Return (%)
Fixed Deposit - 100000 105,095 5,095 5.09
HDFC Dynamic Debt Gr HDFCMF 100000 100,820 820 0.82
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 - 5,095 Not Applicable Not Applicable 1,528 3,566
HDFC Dynamic Debt Gr HDFCMF 820 Short Term Not Applicable 246 574

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
Data as on - 09-09-2022
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 (%)
UTI Dynamic Bond Reg Gr UTIMF 23-06-2010 1.59 19.19 10.71 8.44 4.95 7.73 7.95
ABSL Dynamic Bond Gr Reg ABSLMF 27-09-2004 1.65 5.6 6.08 4.33 4.29 7.17 7.65
ABSL Dynamic Bond-Discipline Advtg Gr ABSLMF 30-03-2009 1.65 5.59 6.07 4.32 4.29 7.17 7.36
Tata Dynamic Bond Reg Gr TataMF 03-09-2003 0.72 5.31 5.49 6.27 5.65 7.93 6.78
IIFL Dynamic Bond Reg Gr IIFLMF 24-06-2013 0.52 3.59 5.65 6.15 6.0 - 6.69
ICICI Pru All Seasons Bond Gr ICICIMF 01-05-2009 1.38 3.57 5.05 7.11 6.79 9.38 8.53
ITI Dynamic Bond Fund Reg Gr ITIMF 05-07-2021 1.45 2.99 - - - - 3.55
JM Dynamic Debt Reg Gr JMMF 25-06-2003 0.9 2.98 3.73 4.72 5.68 7.03 6.58
Edelweiss Money Mkt Reg Gr EdelweissMF 27-06-2008 1.0 2.9 2.95 4.11 5.72 6.82 6.28
Quantum Dynamic Bond Reg Gr QuantumMF 01-04-2017 0.73 2.88 3.82 5.49 5.74 - 6.38
SBI Dynamic Bond Reg Gr | Invest Online SBIMF 10-02-2004 1.64 2.84 3.34 5.42 6.13 7.72 5.88
IDBI Dynamic Bond Gr IDBIMF 21-02-2012 1.17 2.77 4.19 5.87 4.65 5.61 5.83
Kotak Dynamic Bond Reg Gr KotakMF 26-05-2008 1.21 2.27 3.99 6.02 6.88 8.29 8.14
Axis Dynamic Bond Reg Gr | Invest Online AxisMF 01-04-2011 0.66 2.11 3.76 6.34 6.6 7.96 8.07
Nippon India Dynamic Bond Gr Gr NipponIndiaMF 05-11-2004 0.69 2.0 3.37 5.1 5.29 7.43 6.41
Indiabulls Dynamic Bond Reg Gr IndiabullsMF 30-11-2018 0.74 1.83 3.98 4.58 - - 5.8
L&T Flexi Bond Reg Gr L&TMF 24-08-2006 1.61 1.78 2.82 4.78 5.69 7.65 5.67
PGIM India Dynamic Bond Gr PGIMIndiaMF 12-01-2012 1.57 1.69 3.0 4.62 5.63 7.43 7.52
Canara Robeco Dynamic Bond Reg Gr CanaraMF 29-05-2009 1.75 1.64 2.28 4.09 4.6 7.3 7.01
DSP Strategic Bond Reg Gr DSPMF 09-05-2007 1.14 1.48 3.09 5.48 5.99 7.71 6.73
Mirae Asset Dynamic Bond Reg Gr MiraeMF 05-03-2017 1.1 0.92 2.29 4.73 5.59 - 5.65
HDFC Dynamic Debt Gr HDFCMF 28-04-1997 1.74 0.79 5.34 6.35 4.56 7.13 8.19
IDFC Dynamic Bond Reg Gr IDFCMF 01-12-2008 1.62 0.65 2.67 5.22 5.94 7.89 7.73
HSBC Flexi Debt Gr HSBCMF 05-10-2007 1.74 0.58 2.36 3.76 4.68 6.59 7.37
HSBC Flexi Debt Reg Gr HSBCMF 05-10-2007 1.74 0.33 2.11 3.51 4.42 6.32 7.07
Mahindra Manulife Credit Risk Reg Gr MahindraManulifeMF 01-08-2018 1.62 0.04 2.0 3.38 - - 4.21
Baroda BNP Paribas Dynamic Bond Fund Gr BarodaBNPMF 01-01-2013 1.69 - - - - - 1.5
Baroda BNP Paribas Dynamic Bond Fund Reg Plan A Gr BarodaBNPMF 01-01-2013 0.0 - - - - - 1.65
Union Dynamic Bond Gr UnionMF 13-02-2012 1.5 -0.21 1.95 4.34 4.98 6.3 6.37

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