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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 105,217 5,217 5.22
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 5,217 Short Term Not Applicable 1,565 3,652

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 - 19-08-2025
Scheme
Name		 Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.0 8.67 8.48 7.77 5.79 6.94 6.59
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 0.0 8.61 8.92 7.84 6.88 7.01 6.98
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 0.0 7.93 8.02 7.81 6.58 8.08 8.37
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.0 7.59 7.76 7.11 5.66 6.63 6.65
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 0.0 7.56 8.01 7.44 6.86 6.33 7.62
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 0.0 7.56 8.01 7.44 6.85 6.33 7.37
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 0.0 7.49 7.18 6.43 4.7 - 5.93
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.0 7.29 7.77 7.27 5.79 7.36 7.87
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 0.0 6.86 7.98 7.8 6.23 - 6.88
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 0.0 6.77 7.47 6.92 8.3 6.73 7.73
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 0.0 6.54 7.42 6.66 4.77 - 5.24
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.0 6.4 7.55 6.84 5.14 6.85 5.86
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 0.0 6.09 7.38 7.6 5.64 7.44 6.08
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 0.0 5.88 6.95 6.39 - - 5.62
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 0.0 5.8 7.23 6.61 5.15 6.86 7.32
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 0.0 5.51 7.55 6.95 5.75 7.63 7.91
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 0.0 5.51 6.89 6.84 5.08 6.36 7.5
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 0.0 5.22 6.96 6.66 5.99 6.19 8.01
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 0.0 5.09 7.28 7.23 5.41 7.0 6.81
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 0.0 4.94 5.97 5.6 4.87 - 5.72
Union Dynamic Bond Fund - Growth Option 13-02-2012 0.0 4.84 6.65 6.28 4.46 5.87 6.35
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 0.0 4.05 5.93 5.75 4.3 6.09 6.79
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 0.0 2.88 6.66 6.15 4.64 6.86 7.46

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