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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 106,398 6,398 6.4
HDFC Dynamic Term Fund - Regular Plan - Growth Option 100000 102,668 2,668 2.67
Post Tax Return Pre-tax Interest / Profit Amount Capital Gains Tax Indexed Amount Income / Capital Gains Tax Post Tax Interest / Profit Amount
Fixed Deposit 6,398 Not Applicable Not Applicable 1,919 4,479
HDFC Dynamic Term Fund - Regular Plan - Growth Option 2,668 Short Term Not Applicable 800 1,868

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 - 09-10-2026
Scheme
Name		 Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
BANDHAN Dynamic Term Fund - Regular Plan B - Growth 01-12-2008 1.65 5.82 4.39 7.23 5.3 6.38 7.41
Axis Dynamic Term Fund - Regular Plan - Growth Option 01-04-2011 0.65 4.97 6.0 7.17 5.84 6.72 7.71
SBI Dynamic Term Fund - Regular Plan - Growth 10-02-2004 1.37 4.32 4.97 6.76 5.96 6.62 6.01
Aditya Birla Sun Life Dynamic Term Fund - Regular Plan - Growth 27-09-2004 1.22 4.26 5.7 7.2 6.58 5.41 7.48
Kotak Dynamic Term Fund Regular Plan Growth 26-05-2008 1.3478 4.05 5.05 7.16 5.66 6.79 7.76
360 ONE Dynamic Term Fund - Regular Plan - Growth Option 24-06-2013 0.59 3.98 6.27 7.79 6.45 6.66 6.8
ICICI Prudential Dynamic Term Fund - Regular Plan - Growth 01-05-2009 1.32 3.66 5.75 6.83 6.17 7.04 8.1
Nippon India Dynamic Term Fund-Growth Plan-Growth Option 05-11-2004 0.74 3.66 5.5 6.85 5.69 5.95 6.43
UTI Dynamic Term Fund - Regular Plan - Growth Option 23-06-2010 1.28 3.63 4.96 6.53 6.83 5.88 7.47
Mahindra Manulife Dynamic Term Fund - Regular Plan - Growth 01-08-2018 1.58 2.9 4.61 6.34 4.76 - 5.02
HDFC Dynamic Term Fund - Regular Plan - Growth Option 28-04-1997 1.4 2.84 4.01 6.07 4.91 5.15 7.85
Mirae Asset Dynamic Term Fund-Regular Plan Growth 05-03-2017 1.0 2.68 4.9 5.77 4.69 - 5.58
JM Dynamic Term Fund - Regular Plan - Growth Option 25-06-2003 0.93 2.54 4.88 6.22 5.52 6.01 6.48
HSBC Dynamic Term Fund - Regular Growth 01-01-2013 0.83 2.18 4.16 6.21 5.09 5.76 5.7
Quantum Dynamic Term Fund - Regular Plan Growth Option 05-04-2017 1.01 1.9 4.16 6.53 5.73 - 6.38
Groww Dynamic Term Fund Regular Plan Growth Option 30-11-2018 1.36 1.67 3.3 4.99 4.28 - 5.28
PGIM India Dynamic Term Fund - Growth Option 12-01-2012 1.68 1.15 3.43 5.7 4.7 6.03 6.94
ITI Dynamic Term Fund - Regular Plan - Growth Option 14-07-2021 1.23 1.03 2.82 4.91 4.61 - 4.63
Baroda BNP Paribas Dynamic Term Fund - Regular Plan - Growth Option 23-09-2004 1.72 0.8 3.08 5.23 4.86 5.28 7.2
DSP Dynamic Term Fund - Regular Plan - Growth 16-05-2007 1.16 0.6 2.56 5.61 4.89 5.83 6.51
Canara Robeco Dynamic Term Fund - Regular Plan - Growth Option 29-05-2009 1.71 0.44 2.03 4.64 3.96 4.89 6.41
Union Dynamic Term Fund - Growth Option 13-02-2012 1.54 -0.34 2.28 4.94 3.9 4.83 5.94

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