Fixed Deposit vs Debt Funds

Fixed Deposit

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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	103,692	3,692	3.69

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	3,692	Short Term	Not Applicable	1,108	2,585

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 - 02-02-2026

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	7.62	8.16	8.26	6.93	6.95	6.94
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.01	6.6	6.77	6.56	4.93	-	5.87
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.75	6.57	7.63	7.48	5.82	6.94	6.52
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.28	6.42	7.24	7.46	6.42	8.21	8.26
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.63	6.31	7.15	7.11	5.86	7.39	7.78
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.23	6.08	7.07	7.26	6.76	6.41	7.54
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	1.23	6.08	7.06	7.25	6.75	6.41	7.28
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.98	5.63	6.61	6.78	5.67	6.38	6.59
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.56	5.31	6.47	6.71	8.45	6.68	7.61
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	1.02	5.26	6.51	7.12	6.04	-	6.68
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.37	5.05	6.24	6.83	5.67	7.38	6.03
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.6	5.03	6.17	6.4	4.62	-	5.08
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	4.94	6.35	7.15	5.63	7.5	7.84
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.61	4.5	6.21	6.59	5.09	6.73	5.79
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.65	4.03	5.76	6.32	5.03	6.87	7.17
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.41	3.69	5.83	6.35	5.88	6.25	7.94
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.25	3.25	4.6	5.0	4.53	-	5.48
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.57	3.24	5.09	6.23	4.78	6.86	7.4
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	1.21	3.23	5.56	6.89	5.35	6.83	6.69
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.2	3.04	5.24	5.89	-	-	5.23
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	1.7	2.86	5.37	6.01	5.02	6.24	7.36
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.76	2.52	4.37	5.18	4.14	6.14	6.64
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.57	2.22	4.81	5.69	4.31	5.76	6.17