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	105,198	5,198	5.2
HDFC Dynamic Debt Fund - Growth Option	100000	106,859	6,859	6.86

Post Tax Return	Pre-tax Interest / Profit Amount	Capital Gains Tax	Indexed Amount	Income / Capital Gains Tax	Post Tax Interest / Profit Amount
Fixed Deposit	5,198	Not Applicable	Not Applicable	1,560	3,639
HDFC Dynamic Debt Fund - Growth Option	6,859	Short Term	Not Applicable	2,058	4,802

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 - 08-06-2023

Scheme Name	Launch Date	Expense Ratio (%)	1-Year Ret (%)	2-Yrs Ret (%)	3-Yrs Ret (%)	5-Yrs Ret (%)	10-Yrs Ret (%)	Since Launch Ret (%)
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.19	10.28	6.09	7.07	5.85	6.72	7.61
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	1.19	10.28	6.09	7.06	5.84	6.72	7.33
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.7	9.76	4.37	4.59	6.88	6.77	6.44
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.66	9.18	4.25	5.19	7.83	7.38	8.01
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.64	9.0	5.06	4.57	7.68	7.09	5.98
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.31	8.92	5.26	6.04	7.87	9.25	8.46
Baroda BNP Paribas Dynamic Bond Fund-Defunct Plan - Growth Option	01-01-2013	0.0	8.63	-	-	-	-	6.13
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	01-01-2013	1.69	8.61	-	-	-	-	6.0
Quantum Dynamic Bond Fund - Regular Plan Growth Option	01-04-2017	0.73	7.76	5.06	4.96	7.29	-	6.56
DSP Strategic Bond Fund - Regular Plan - Growth	09-05-2007	1.05	7.49	4.45	4.38	7.63	7.37	6.8
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.11	7.31	2.95	3.05	6.45	-	5.64
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.61	7.24	3.34	3.77	7.44	7.17	7.67
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option	24-06-2013	0.52	7.2	5.18	6.29	6.6	-	6.68
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.75	7.05	3.59	3.43	5.95	6.56	6.99
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.72	6.86	6.04	5.89	5.87	6.42	8.13
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.5	6.84	3.0	3.57	6.4	5.8	6.41
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.3	6.79	4.13	5.05	7.6	8.01	8.02
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.58	6.78	2.73	3.36	-	-	4.5
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.95	6.68	4.52	4.96	5.65	7.0	6.59
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.76	6.22	3.69	3.78	6.51	6.99	5.69
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	0.76	6.08	3.85	4.4	-	-	5.83
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.52	6.07	12.04	9.24	5.94	7.29	7.84
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.63	5.98	3.63	3.9	6.73	6.98	7.43
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.19	5.57	-	-	-	-	4.35
Edelweiss Money Market Fund - Regular Plan - Growth Option	27-06-2008	0.97	5.44	4.0	3.69	6.92	6.21	6.25