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	104,270	4,270	4.27

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	4,270	Short Term	Not Applicable	1,281	2,989

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 - 09-01-2026

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	8.19	8.91	8.17	6.71	6.98	6.96
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.02	6.96	7.01	6.62	4.7	-	5.89
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.28	6.83	7.48	7.52	6.26	8.06	8.28
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.63	6.78	7.68	7.29	5.51	7.33	7.81
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.75	6.68	8.06	7.58	5.51	6.82	6.52
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.98	6.67	7.37	6.98	5.46	6.45	6.61
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.23	6.58	7.7	7.4	6.58	6.28	7.56
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	1.23	6.58	7.7	7.4	6.57	6.28	7.3
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.55	5.9	7.23	6.87	8.28	6.63	7.65
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	1.02	5.71	7.42	7.31	5.9	-	6.73
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.57	5.66	6.99	6.6	4.58	-	5.13
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	5.51	7.35	7.08	5.35	7.51	7.87
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.38	5.26	6.97	6.94	5.4	7.36	6.03
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.78	5.24	7.0	6.81	4.78	6.72	5.81
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.65	4.71	6.82	6.54	4.85	6.82	7.21
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.41	4.26	6.39	6.5	5.66	6.14	7.95
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	1.7	3.98	6.15	6.34	4.71	6.2	7.4
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.2	3.78	6.2	5.99	-	-	5.27
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	1.21	3.56	6.81	7.1	5.01	6.81	6.72
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.25	3.5	5.16	5.21	4.39	-	5.53
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.57	3.31	6.59	6.45	4.39	6.84	7.42
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.57	3.2	5.82	6.02	4.02	5.74	6.22
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.76	2.96	5.3	5.37	3.96	5.98	6.66