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	105,484	5,484	5.48

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	5,484	Short Term	Not Applicable	1,645	3,839

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 - 08-10-2025

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	8.76	9.66	8.44	7.09	6.93	7.03
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.28	8.03	8.38	7.94	6.71	7.94	8.38
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.74	7.76	8.65	8.26	6.18	6.76	6.57
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.98	7.58	8.1	7.42	5.78	6.63	6.66
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	0.0	7.5	8.64	7.85	6.98	6.24	7.39
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	0.0	7.49	8.64	7.86	6.98	6.24	7.63
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.63	7.35	8.24	7.94	6.02	7.28	7.9
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.02	7.31	7.31	6.9	4.78	-	5.93
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	1.02	6.8	8.81	8.19	6.28	-	6.93
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.57	6.65	8.05	7.26	4.89	-	5.33
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	0.0	6.54	7.98	7.12	8.51	6.6	7.73
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.78	6.52	8.23	7.29	5.29	6.74	5.89
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	6.27	8.67	7.76	6.01	7.62	7.99
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.64	6.06	8.01	7.07	5.34	6.78	7.38
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.42	5.95	7.94	7.61	5.88	7.29	6.09
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	1.7	5.85	7.52	7.25	5.31	6.28	7.52
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.52	5.48	7.66	7.11	6.19	6.11	8.03
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.55	5.35	7.59	7.06	4.78	5.83	6.42
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.25	5.22	6.64	6.03	5.22	-	5.83
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.19	4.93	6.93	6.41	-	-	5.51
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	1.21	4.9	8.15	7.74	5.66	6.92	6.84
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.75	4.02	6.73	6.23	4.45	5.96	6.8
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.57	3.24	7.78	7.05	4.88	6.78	7.51