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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 105,016 5,016 5.02
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 5,016 Short Term Not Applicable 1,505 3,511

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 - 22-08-2025
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 8.76 8.94 7.87 6.94 7.06 6.98
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.75 8.09 8.21 7.67 5.86 6.93 6.56
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.29 7.75 7.96 7.76 6.67 8.1 8.36
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 0.0 7.5 8.05 7.47 6.93 6.35 7.62
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 0.0 7.5 8.05 7.47 6.93 6.35 7.37
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.98 7.47 7.73 7.1 5.71 6.62 6.65
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.02 7.44 7.15 6.42 4.82 - 5.92
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.63 7.15 7.79 7.24 5.9 7.38 7.87
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 1.02 6.71 7.95 7.79 6.25 - 6.88
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 0.0 6.58 7.46 6.89 8.38 6.75 7.72
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.57 6.46 7.43 6.67 4.81 - 5.24
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.78 6.25 7.54 6.84 5.23 6.87 5.86
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.42 5.97 7.38 7.63 5.81 7.47 6.08
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.19 5.67 6.88 6.35 - - 5.59
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.64 5.59 7.2 6.61 5.22 6.87 7.32
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.33 5.45 7.54 6.92 5.85 7.66 7.91
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 1.7 5.35 6.85 6.8 5.2 6.37 7.49
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.52 5.02 6.9 6.62 6.05 6.2 8.01
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.25 4.84 5.94 5.58 4.95 - 5.71
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.21 4.75 7.17 7.22 5.55 7.02 6.81
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.55 4.57 6.59 6.25 4.55 5.89 6.34
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.75 3.75 5.84 5.69 4.38 6.1 6.77
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.57 2.55 6.6 6.13 4.75 6.88 7.46

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