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	7.65	8.13	8.24	6.92	6.94	6.93
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.01	6.64	6.75	6.53	4.95	-	5.86
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.28	6.4	7.19	7.42	6.4	8.19	8.26
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.75	6.27	7.42	7.27	5.83	6.89	6.5
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.63	6.2	7.09	7.06	5.87	7.36	7.77
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.23	5.96	6.99	7.21	6.73	6.39	7.54
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	1.23	5.96	6.99	7.21	6.73	6.38	7.27
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.98	5.67	6.54	6.74	5.67	6.37	6.58
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.56	5.21	6.4	6.67	8.44	6.66	7.61
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	1.02	5.08	6.42	7.08	6.01	-	6.66
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	5.02	6.36	7.17	5.66	7.49	7.84
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.6	5.0	6.14	6.39	4.62	-	5.07
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.37	4.99	6.19	6.81	5.68	7.37	6.02
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.61	4.39	6.14	6.55	5.11	6.71	5.78
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.65	4.04	5.71	6.3	5.02	6.86	7.16
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.41	3.69	5.77	6.32	5.86	6.23	7.93
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.2	3.2	5.23	5.89	-	-	5.23
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.57	3.05	5.03	6.22	4.81	6.84	7.39
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.25	3.02	4.54	4.97	4.54	-	5.46
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	1.21	2.93	5.44	6.82	5.36	6.79	6.68
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	1.7	2.76	5.25	5.94	5.01	6.21	7.35
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.76	2.26	4.24	5.12	4.1	6.1	6.62
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.57	2.04	4.68	5.61	4.29	5.73	6.15