Debt Funds vs Fixed Deposit

Fixed Deposit vs Debt Funds

Fixed Deposit
Debt Fund
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 106,737 6,737 6.74
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 6,737 Short Term Not Applicable 2,021 4,716

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.