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Better Than Fixed Deposits

Debt funds whose returns are more than a conventional fixed deposit instrument for a given time period. Fixed deposit rates vary from bank to bank and in different time periods also. So, a standard annualized rate of 8% p.a. is taken as a benchmark for fixed deposits. The rate is slightly greater than the rate offered by a conventional fixed deposit instrument. The debt schemes which provide better than 8% annualized rate will fall under this category.

  1. A fixed deposit is subject to TDS @ 10% (20% for non-PAN users) by the bank if interest income is greater than Rs. 40,000 as per Assessment Year 2020-21, except some exceptions. Please note that FD interest income is taxable as per the income-tax slab rate. So, an individual lying in the higher tax bracket will have to bear additional tax basis his/her tax slab apart from TDS.
  2. Debt funds are subject to Short-term Capital Gains tax (upto 3 years) as per income tax slab and Long-term Capital Gains tax (more than 3 years) @ 20% after indexation.
  3. No Securities Transaction Tax on sale of debt fund units
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  • Name
  • Rating
  • Fund Size
  • Expense Ratio
  • Min. SIP Investment
Return Duration
  • Fund Size₹1409.36 Cr.
  • Expense ratio1.21%
  • 3Y Return22.94%
  • Risk RatingHigh
  • Category Returns
    -7.97%22.94%
  • Sub-CategorySectoral-Banking
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Min. SIP Investment₹500.00
  • Fund Size₹453.04 Cr.
  • Expense ratio1.10%
  • 3Y Return22.23%
  • Risk RatingHigh
  • Category Returns
    -7.97%22.94%
  • Sub-CategorySectoral-Banking
Invest Now
Min. SIP Investment₹500.00
  • Fund Size₹390.06 Cr.
  • Expense ratio1.06%
  • 3Y Return22.22%
  • Risk RatingHigh
  • Category Returns
    15.78%22.22%
  • Sub-CategorySectoral-Technology
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Min. SIP Investment₹500.00
  • Fund Size₹10211.89 Cr.
  • Expense ratio0.63%
  • 3Y Return21.50%
  • Risk RatingModerately High
  • Category Returns
    6.55%21.50%
  • Sub-CategoryLarge Cap
Invest Now
Min. SIP Investment₹500.00
  • Fund Size₹130.98 Cr.
  • Expense ratio0.54%
  • 3Y Return21.43%
  • Risk RatingHigh
  • Category Returns
    1.00%22.79%
  • Sub-CategoryInternational
Invest Now
Min. SIP Investment₹500.00

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