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Fixed Deposit vs Debt Funds

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Fixed Deposit vs Debt Funds

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	106398.02	6398.020000000004	6.4
HDFC Dynamic Term Fund - Regular Plan - Growth Option	100000	102,857	2,857	2.86

Post Tax Return	Pre-tax Interest / Profit Amount	Capital Gains Tax	Indexed Amount	Income / Capital Gains Tax	Post Tax Interest / Profit Amount
Fixed Deposit	6398.020000000004	Not Applicable	Not Applicable	1919.4	4478.610000000001
HDFC Dynamic Term Fund - Regular Plan - Growth Option	2,857	Short Term	Not Applicable	857	2,000

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 (%)
BANDHAN Dynamic Term Fund Reg B Gr	01-12-2008	1.65	5.86	4.63	6.78	5.28	6.34	7.41
Axis Dynamic Term Fund Reg Gr	01-04-2011	0.65	5.38	6.27	7.0	5.8	6.71	7.72
ABSL Dynamic Term Fund Reg Gr	27-09-2004	1.22	4.61	5.98	7.01	6.59	5.39	7.48
SBI Dynamic Term Fund Reg Gr	10-02-2004	1.37	4.48	5.23	6.56	5.93	6.61	6.02
360 ONE Dynamic Term Fund Reg Gr	24-06-2013	0.59	4.3	6.46	7.62	6.49	6.67	6.81
Kotak Dynamic Term Fund Reg Gr	26-05-2008	1.3492	4.27	5.24	6.94	5.65	6.78	7.77
ICICI Pru Dynamic Term Fund Reg Gr	01-05-2009	1.32	4.16	5.96	6.74	6.2	7.03	8.12
UTI Dynamic Term Fund Reg Gr	23-06-2010	1.69	4.0	5.17	6.28	6.85	5.85	7.49
Nippon India Dynamic Term Fund Gr Plan Gr	05-11-2004	0.74	3.79	5.56	6.71	5.73	5.92	6.43
Mahindra Manulife Dynamic Term Fund Reg Gr	01-08-2018	1.53	3.19	4.89	6.17	4.77	-	5.04
Mirae Asset Dynamic Term Fund Reg Gr	05-03-2017	0.99	3.08	5.08	5.76	4.72	-	5.61
HDFC Dynamic Term Fund Reg Gr	28-04-1997	1.4	3.06	4.23	5.85	4.88	5.14	7.85
JM Dynamic Term Fund Reg Gr	25-06-2003	0.94	2.84	5.13	6.2	5.53	6.02	6.49
HSBC Dynamic Term Fund Reg Gr	01-01-2013	0.83	2.45	4.44	5.99	5.1	5.74	5.71
Quantum Dynamic Term Fund Reg Plan Gr	05-04-2017	1.01	2.23	4.46	6.23	5.75	-	6.4
Groww Dynamic Term Fund Reg Plan Gr	30-11-2018	1.36	1.91	3.48	4.81	4.29	-	5.29
PGIM India Dynamic Term Fund Gr	12-01-2012	1.68	1.51	3.71	5.57	4.73	6.03	6.95
ITI Dynamic Term Fund Reg Gr	14-07-2021	1.23	1.31	3.11	4.9	4.61	-	4.67
Baroda BNP Paribas Dynamic Term Fund Reg Gr	23-09-2004	1.72	1.17	3.44	5.12	4.88	5.27	7.21
DSP Dynamic Term Fund Reg Gr	16-05-2007	1.19	1.0	2.91	5.4	4.91	5.82	6.52
Canara Robeco Dynamic Term Fund Reg Gr	29-05-2009	1.71	0.86	2.4	4.38	4.01	4.9	6.43
Union Dynamic Term Fund Gr	13-02-2012	1.54	0.05	2.62	4.7	3.9	4.82	5.96