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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 103,597 3,597 3.6
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 3,597 Short Term Not Applicable 1,079 2,518

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 - 27-01-2026
Scheme
Name		 Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 0.52 7.64 8.51 8.09 6.8 6.93 6.93
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.01 6.64 6.88 6.54 4.81 - 5.86
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.28 6.46 7.4 7.51 6.33 8.13 8.27
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.75 6.17 7.73 7.44 5.52 6.84 6.5
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.63 5.94 7.41 7.17 5.57 7.33 7.78
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.23 5.85 7.49 7.33 6.61 6.33 7.28
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.23 5.84 7.49 7.34 6.62 6.33 7.54
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.98 5.53 7.04 6.84 5.56 6.38 6.58
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.56 5.11 6.94 6.78 8.33 6.62 7.62
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.33 4.78 6.97 7.08 5.39 7.47 7.84
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.6 4.76 6.65 6.48 4.58 - 5.08
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 1.02 4.75 7.05 7.16 5.92 - 6.68
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.37 4.68 6.76 6.95 5.51 7.35 6.02
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.61 4.23 6.69 6.68 4.87 6.68 5.79
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.65 4.0 6.5 6.44 4.87 6.85 7.18
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.41 3.6 6.18 6.42 5.74 6.19 7.94
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.2 3.15 5.89 5.94 - - 5.25
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 1.7 2.82 5.72 6.14 4.72 6.19 7.37
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.21 2.66 6.32 6.94 5.04 6.78 6.69
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.25 2.62 4.93 5.07 4.45 - 5.49
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.57 2.58 6.04 6.36 4.54 6.83 7.4
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.57 2.13 5.36 5.87 4.07 5.73 6.18
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.76 1.95 4.94 5.31 3.98 6.04 6.63

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