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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 105,180 5,180 5.18
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 5,180 Short Term Not Applicable 1,554 3,626

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 - 09-10-2025
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 0.52 8.61 9.75 8.42 7.01 6.94 7.03
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.28 7.89 8.45 7.93 6.59 7.93 8.38
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.74 7.36 8.48 8.18 5.91 6.74 6.56
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.98 7.27 8.1 7.4 5.72 6.62 6.66
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 0.0 7.16 8.7 7.83 6.87 6.23 7.63
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.02 7.16 7.35 6.9 4.72 - 5.93
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 0.0 7.16 8.7 7.83 6.86 6.23 7.39
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.63 7.04 8.29 7.91 5.81 7.27 7.9
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 1.02 6.48 8.92 8.16 6.18 - 6.92
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.57 6.35 8.1 7.23 4.84 - 5.32
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 0.0 6.31 8.01 7.11 8.38 6.59 7.73
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.78 6.17 8.28 7.25 5.16 6.73 5.89
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.33 6.05 8.75 7.73 5.86 7.61 7.98
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.64 5.76 8.05 7.04 5.23 6.77 7.37
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.42 5.63 8.0 7.58 5.69 7.29 6.09
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 1.7 5.41 7.51 7.22 5.19 6.27 7.52
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.52 5.18 7.72 7.08 6.09 6.09 8.03
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.55 4.97 7.68 7.03 4.59 5.82 6.41
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.25 4.96 6.69 6.0 5.06 - 5.81
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.19 4.65 6.91 6.39 - - 5.5
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.21 4.56 8.2 7.71 5.52 6.91 6.84
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.75 3.64 6.8 6.17 4.31 5.94 6.78
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.57 2.98 7.94 7.02 4.75 6.77 7.5

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