Fixed Deposit vs Debt Funds

Fixed Deposit

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Pre-Tax Return	Investment Amount	Redeemed / Maturity Amount	Total Interest / Profit Amount	Annual Interest / Return (%)
Fixed Deposit	100000	105,562	5,562	5.56
HDFC Dynamic Debt Fund - Growth Option	100000	106,526	6,526	6.53

Post Tax Return	Pre-tax Interest / Profit Amount	Capital Gains Tax	Indexed Amount	Income / Capital Gains Tax	Post Tax Interest / Profit Amount
Fixed Deposit	5,562	Not Applicable	Not Applicable	1,669	3,894
HDFC Dynamic Debt Fund - Growth Option	6,526	Short Term	Not Applicable	1,958	4,568

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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Data as on - 29-09-2023

Scheme Name	Launch Date	Expense Ratio (%)	1-Year Ret (%)	2-Yrs Ret (%)	3-Yrs Ret (%)	5-Yrs Ret (%)	10-Yrs Ret (%)	Since Launch Ret (%)
DSP Strategic Bond Fund - Regular Plan - Growth	09-05-2007	1.14	7.66	4.16	4.38	7.49	7.62	6.74
Quantum Dynamic Bond Fund - Regular Plan Growth Option	01-04-2017	0.96	7.62	5.0	5.04	7.2	-	6.49
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.66	7.4	3.9	4.74	7.58	7.94	7.89
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.31	7.4	5.31	5.81	7.81	9.14	8.41
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.42	7.37	4.93	4.79	7.56	7.79	5.94
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.7	7.32	4.11	4.8	6.76	7.4	6.39
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	01-01-2013	1.69	7.08	-	-	-	-	5.4
Baroda BNP Paribas Dynamic Bond Fund-Defunct Plan - Growth Option	01-01-2013	0.0	7.06	-	-	-	-	5.5
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	1.23	6.76	5.89	6.13	5.65	7.07	7.26
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.23	6.76	5.9	6.14	5.66	7.07	7.56
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.5	6.48	2.53	3.27	6.25	6.4	6.28
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option	24-06-2013	0.52	6.46	4.81	5.71	6.47	7.34	6.59
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.12	6.39	3.07	3.23	6.54	-	5.54
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.61	6.38	2.97	3.53	7.13	7.64	7.54
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.72	6.33	3.4	5.49	5.87	7.07	8.09
Edelweiss Money Market Fund - Regular Plan - Growth Option	27-06-2008	0.96	6.27	4.5	3.98	6.93	7.04	6.25
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.3	6.26	3.74	4.53	7.33	7.93	7.94
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.56	6.14	7.64	9.21	5.9	7.47	7.76
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.98	6.11	4.47	4.43	5.37	6.84	6.53
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.58	5.98	2.61	3.01	4.53	-	4.38
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.75	5.88	3.4	3.32	5.73	6.91	6.87
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.76	5.85	3.69	3.75	6.44	7.45	5.66
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.19	5.56	4.07	-	-	-	4.36
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.64	5.44	3.44	3.82	6.59	7.34	7.31
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.45	5.28	3.47	4.57	-	-	5.59