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	105,557	5,557	5.56

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	5,557	Short Term	Not Applicable	1,667	3,890

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 - 28-10-2025

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	8.71	9.61	8.38	6.93	6.97	7.01
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.28	7.91	8.21	7.85	6.45	7.96	8.36
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.98	7.88	8.05	7.39	5.69	6.6	6.66
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.74	7.75	8.78	8.14	5.57	6.78	6.56
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	0.0	7.65	8.57	7.8	6.88	6.24	7.62
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	0.0	7.65	8.56	7.79	6.87	6.23	7.38
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.63	7.61	8.3	7.81	5.6	7.29	7.89
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.02	7.19	7.38	6.87	4.68	-	5.92
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	1.02	7.0	8.67	7.99	6.12	-	6.89
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.57	6.79	7.95	7.11	4.76	-	5.29
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.55	6.57	7.93	7.1	8.27	6.59	7.71
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.78	6.51	8.02	7.11	5.01	6.73	5.87
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	6.34	8.48	7.55	5.62	7.6	7.96
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.64	6.15	7.86	6.95	5.05	6.78	7.35
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.41	6.15	7.79	7.49	5.48	7.31	6.08
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	1.7	5.65	7.31	6.97	4.97	6.25	7.49
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.47	5.56	7.5	6.96	6.01	6.1	8.02
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.55	5.04	7.24	6.75	4.35	5.79	6.37
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.19	5.02	6.81	6.36	-	-	5.47
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	1.21	4.92	7.92	7.63	5.31	6.9	6.81
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.25	4.8	6.32	5.81	4.74	-	5.74
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.75	4.2	6.53	6.02	4.18	5.95	6.77
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.57	3.77	7.68	6.88	4.57	6.79	7.49