Debt Funds / Hybrid Debt Funds vs Fixed Deposit

Fixed Deposit
Debt Fund
To see Top performing debt funds by category and period, please scroll down
Pre-Tax Return AMC Name Investment Amount Redeemed / Maturity Amount Total Interest / Profit Amount Annual Interest / Return (%)
Fixed Deposit - 100,000 106,416 6,416 6.4
HDFC Dynamic Debt Fund - Growth Option HDFCMF 100,000 108,883 8,883 8.86
Pre-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 - 6,416 Not Applicable Not Applicable 1,925 4,491
HDFC Dynamic Debt Fund - Growth Option HDFCMF 8,883 Short Term Not Applicable 2,665 6,218
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

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 (%)