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Fixed Deposit vs Debt Funds

Fixed Deposit
Debt Fund
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Pre-Tax Return Investment Amount Redeemed / Maturity Amount Total Interest / Profit Amount Annual Interest / Return (%)
Fixed Deposit 100000 106,975 6,975 6.98
HDFC Dynamic Debt Fund - Growth Option 100000 104,283 4,283 4.28
Post Tax Return Pre-tax Interest / Profit Amount Capital Gains Tax Indexed Amount Income / Capital Gains Tax Post Tax Interest / Profit Amount
Fixed Deposit 6,975 Not Applicable Not Applicable 2,093 4,883
HDFC Dynamic Debt Fund - Growth Option 4,283 Short Term Not Applicable 1,285 2,998

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 - 08-12-2025
Scheme
Name		 Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 0.49 8.99 9.54 8.38 6.87 7.08 7.04
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.74 7.68 8.69 7.8 5.74 6.93 6.57
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.98 7.4 7.98 7.21 5.65 6.55 6.65
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.28 7.21 7.86 7.64 6.34 8.1 8.32
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.14 7.12 8.2 7.55 6.76 6.33 7.34
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.14 7.11 8.2 7.55 6.76 6.34 7.6
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.63 7.09 8.09 7.35 5.65 7.39 7.85
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.02 7.02 7.24 6.6 4.72 - 5.91
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.45 6.37 7.8 7.08 8.39 6.74 7.7
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 1.02 6.26 8.11 7.52 6.08 - 6.82
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.57 6.23 7.6 6.81 4.72 - 5.24
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.41 5.8 7.47 7.14 5.52 7.45 6.07
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.78 5.67 7.53 6.95 4.96 6.79 5.84
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.33 5.58 7.68 7.11 5.44 7.6 7.9
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.64 5.25 7.35 6.75 5.0 6.89 7.28
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.41 4.46 6.89 6.57 5.81 6.16 7.98
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 1.7 4.41 6.66 6.52 4.87 6.29 7.44
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.2 4.12 6.58 6.14 - - 5.36
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.21 3.95 7.37 7.34 5.18 6.92 6.76
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.25 3.81 5.7 5.41 4.46 - 5.61
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.55 3.78 6.46 6.19 4.19 5.83 6.28
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.75 3.66 6.0 5.65 4.14 6.08 6.73
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.57 3.52 7.22 6.64 4.59 6.93 7.46

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