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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 107,123 7,123 7.12
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 7,123 Short Term Not Applicable 2,137 4,986

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 - 05-08-2025
Scheme
Name		 Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 0.52 9.78 9.3 8.23 7.0 7.19 7.05
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.75 9.19 8.59 8.14 5.68 7.05 6.6
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.23 8.87 8.52 7.88 7.01 6.51 7.67
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.23 8.87 8.52 7.88 7.0 6.51 7.44
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.98 8.79 8.3 7.49 5.78 6.75 6.7
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.29 8.71 8.39 8.19 6.6 8.25 8.42
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.63 8.61 8.24 7.91 5.69 7.55 7.96
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.53 8.2 7.99 7.42 8.33 6.95 7.82
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 0.96 7.97 8.51 8.21 6.39 - 7.02
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.78 7.88 8.18 7.3 5.23 7.07 5.93
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.02 7.77 7.23 6.66 4.57 - 5.96
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.33 7.64 8.35 7.62 5.83 7.88 8.01
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.57 7.53 7.76 7.02 4.89 - 5.36
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.64 7.4 7.91 7.09 5.25 7.06 7.43
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.42 7.3 7.86 8.05 5.65 7.63 6.12
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.2 7.15 8.12 7.82 5.54 7.25 6.91
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.52 7.12 7.81 7.33 6.27 6.43 8.08
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.55 7.11 7.62 7.04 4.67 6.15 6.51
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.19 7.11 7.57 6.83 - - 5.92
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 1.7 6.96 7.59 7.49 5.2 6.58 7.57
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.25 6.23 6.59 6.08 4.98 - 5.92
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.75 5.84 6.69 6.33 4.44 6.32 6.89
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.57 5.47 7.66 6.93 4.81 7.16 7.6

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