Nayak Fin - Debt Fund Vs Fixed Deposit

You can earn better with Debt Funds instead of Fixed deposit

except this, you will gain INDEXATION benefit while investing in Debt Mutual Funds

Risk free
investment

Quick redemption
(Within 24 Hrs)^~

Taxation benefit
on Returns^{^}

Better Returns
over Fixed Deposits

Let’s find out what you LOSE by investing in a Fixed Deposit.

How much do you want to invest

10 Lakhs

For 5 yrs & above, invest in Equity Oriented Funds

Ok Great! How long do you want to invest

Years

Minimum investment for 3 Yrs to get Indexation benefit in Debt Mutual Fund

Amount Invested 10 Lakhs for 3 Years

Rate of Interest^#	Return (Pre Tax)	Indexed Value*	Income Tax^{^}	Post Tax Return	Effective ROI	What you Lose
if invested in Debt Funds
7.50 %	2,25,000	1,50,000	15,000	2,10,000	7 %	---
if invested Fixed Deposit
6.75 %	2,02,500	1,50,000	60,750	1,41,750	4.72 %	74,250

# Interest rate may vary as per RBI credit policy.
* Inflation ( applied at the rate of 5% Per annum ) may vary as per Indian economy.
< Calculated over Simple Interest.
^ Assuming 30% Tax Slab/20% after Indexation.
~ Except on Holidays.
This calculation is just for illustration purpose.
Please contact your Chartered Accountant for detailed calculation on Indexation.

Invest Now in Debt Fund

Recalculate

Invest in Debt Funds with amount 10 Lakhs

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Choose your investment type to show the scheme Lumpsum Investment SIP Investment

Select	Scheme name	Latest Nav	Return(%) 3 Months	Return(%) 6 Months	Return(%) 1 Year	Return(%) 3 Years	Enter Amount	Debit Date

HSBC Credit Risk Fund - Reg - Gr	31.9943	15.06	16.98	21.42	11.02
Aditya Birla Sun Life Credit Risk Fund - Reg - Gr	21.9924	6.16	8.00	16.84	10.89
Invesco India Credit Risk Fund - Reg - Gr	1915.845	4.74	6.44	10.49	9.09
Bandhan GSF - ST - Gr	45.7338	4.31	6.21	12.07	8.88
Nippon India Nivesh Lakshya Fund- Gr	18.0322	4.25	5.34	12.11	9.99
ICICI Prudential Constant Maturity Gilt Fund -Reg - Gr	24.6622	4.22	6.25	11.87	8.81
Franklin India Long Duration Fund - Reg - Gr	10.5119	4.19	-	-	-
Aditya Birla Sun Life Long Duration Fund - Reg - Gr	12.8535	4.15	5.26	11.56	-
DSP Govt Sec Fund - Reg Plan - Gr	96.5748	4.10	5.17	11.29	8.51
ICICI Prudential Long Term Bond Fund- Reg - Gr	90.2712	4.08	5.84	11.44	8.77
Tata Gilt Securities Fund - Reg - Gr	78.4836	4.07	5.36	10.04	8.11
Kotak Long Duration Fund- Reg - Gr	11.1521	4.04	5.16	11.45	-
SBI Magnum Gilt Fund - Reg - Gr	66.4677	4.00	5.27	10.77	8.72
Axis Gilt Fund - Reg - Gr	25.6802	3.98	5.37	11.30	8.31
Bajaj Finserv Gilt Fund - Reg - Gr	1045.0151	3.93	-	-	-
Motilal Oswal 5 Year G-Sec Fund Of Fund - Reg - Gr	12.4731	3.93	6.47	11.02	8.03
Union Dynamic Bond Fund - Gr	23.4484	3.92	5.24	10.58	7.47
Canara Robeco Gilt Fund - Reg - Gr	76.0936	3.91	4.99	10.33	7.77
Canara Robeco Gilt Pgs Auto Repurchase Fund	76.0936	3.91	4.99	10.33	7.77
Axis Floater Fund - Reg - Gr	1297.768	3.90	5.44	11.23	8.20
PGIM India Gilt Fund - Gr	30.3979	3.90	5.01	10.62	7.55
Invesco India GILT Fund - Reg - Gr	2857.1275	3.89	4.90	10.84	7.99
JM Dynamic Bond Fund - Reg- Growth	41.5594	3.88	5.65	10.54	7.47
Baroda BNP Paribas GILT FUND - Plan A - Gr	42.7205	3.87	5.83	11.44	8.50
DSP Strategic Bond Fund - Reg - Gr	3390.6801	3.87	4.81	10.94	8.14
DSP Strategic Bond Fund - Reg - Gr	3390.6801	3.87	4.81	10.94	8.14
Quantum Dynamic Bond Fund - Reg - Gr	21.4624	3.84	5.32	10.65	8.54
UTI Gilt Fund with 10 year Constant Duration - Reg - Gr	12.5878	3.83	5.76	11.20	-
HDFC Long Duration Debt Fund - Reg - Gr	12.3695	3.81	4.76	11.41	-
Aditya Birla Sun Life Government Securities Fund - Reg - Gr	81.7874	3.79	4.96	10.46	8.12
Aditya Birla Sun Life Government Securities Fund- Reg - Gr - Instant Gain-	81.7874	3.79	4.96	10.46	8.12
Canara Robeco Dynamic Bond Fund - Reg - Gr	29.5903	3.78	4.79	9.47	7.09
Mirae Asset Long Duration Fund - Reg - Gr	10.4423	3.77	-	-	-
UTI Gilt Fund - Reg - Gr	63.1228	3.77	5.27	10.42	7.91
Nippon India Dynamic Bond-Reg-Gr	37.2381	3.76	5.56	11.00	8.42
Axis Dynamic Bond Fund - Reg - Gr	29.5349	3.75	5.22	10.22	8.13
HDFC Gilt Fund - Reg - Gr	55.5808	3.75	5.39	10.89	8.09
LIC MF Govt Sec Fund-Reg Plan (D)	17.3277	3.75	4.93	10.01	7.15
LIC MF Govt Sec Fund-Reg Plan (G)	60.1133	3.75	4.93	10.01	7.15
Axis Long Duration Fund - Reg - Gr	1242.818	3.73	4.63	11.19	-
Nippon India Gilt Sec Fund -Reg - Gr	38.31	3.72	4.99	10.49	7.98
PGIM India Dynamic Bond Fund - Reg - Gr	2637.6499	3.72	4.89	10.29	7.30
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Adv Plan-Gr	31.9684	3.71	5.27	10.88	8.98
Aditya Birla Sun Life Dynamic Bond Fund-Reg - Gr	46.2299	3.71	5.27	10.88	8.98
ICICI Prudential Gilt Fund Inv - Reg Plan - Gr	102.5311	3.71	5.44	10.30	8.46
Union Gilt Fund - Reg - Gr	12.3034	3.69	4.89	10.56	-
Bandhan Long Duration Fund - Reg - Gr	11.1424	3.68	4.67	11.13	-
Franklin India Medium to Long Duration Fund - Reg - Gr	10.6214	3.67	5.52	-	-
HDFC Income Fund - Reg - Gr	58.2499	3.67	5.14	10.33	7.67
Kotak Gilt-Inv Reg-Gr	97.0641	3.65	4.67	10.29	7.85

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