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	103,605	3,605	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	3,605	Short Term	Not Applicable	1,081	2,523

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 - 09-02-2026

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	7.97	8.36	8.35	7.01	6.96	6.96
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.01	6.59	6.82	6.64	4.96	-	5.87
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.75	6.48	7.46	7.47	6.09	6.92	6.51
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.63	6.36	7.13	7.21	6.0	7.38	7.77
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.28	6.26	7.22	7.4	6.38	8.18	8.25
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.23	6.14	7.17	7.3	6.77	6.4	7.54
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	1.23	6.14	7.17	7.3	6.77	6.4	7.28
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.98	5.89	6.78	6.86	5.7	6.38	6.58
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.56	5.36	6.53	6.73	8.45	6.66	7.61
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	1.02	5.24	6.63	7.2	6.09	-	6.68
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	5.19	6.58	7.28	5.74	7.53	7.85
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.6	5.07	6.25	6.47	4.62	-	5.07
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.37	5.05	6.36	6.99	5.72	7.39	6.03
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.61	4.48	6.27	6.63	5.15	6.71	5.78
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.65	4.04	5.75	6.35	5.03	6.85	7.15
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.41	3.58	5.8	6.34	5.88	6.22	7.93
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.2	3.36	5.3	5.97	-	-	5.25
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.57	3.21	5.17	6.4	4.9	6.85	7.4
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.25	2.96	4.66	4.97	4.53	-	5.45
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	1.21	2.93	5.4	6.84	5.34	6.79	6.67
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	1.7	2.83	5.34	6.05	5.0	6.21	7.35
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.76	2.4	4.37	5.21	4.13	6.1	6.62
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.57	1.91	4.65	5.58	4.28	5.7	6.13