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	105,688	5,688	5.69

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	5,688	Short Term	Not Applicable	1,706	3,982

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 - 14-08-2025

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	9.08	9.05	8.0	6.97	7.06	7.01
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.75	8.99	8.57	8.03	5.81	6.98	6.6
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.29	8.26	8.17	7.96	6.61	8.13	8.39
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.23	8.07	8.2	7.6	6.92	6.38	7.64
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	1.23	8.07	8.2	7.6	6.92	6.37	7.39
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.98	8.02	7.97	7.25	5.73	6.67	6.67
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.63	7.81	7.91	7.53	5.77	7.4	7.9
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.02	7.57	7.15	6.52	4.67	-	5.93
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	1.02	7.41	8.24	8.0	6.32	-	6.95
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.53	7.36	7.68	7.14	8.34	6.79	7.76
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.78	6.97	7.79	7.01	5.2	6.91	5.89
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.57	6.81	7.51	6.75	4.84	-	5.27
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.42	6.7	7.64	7.84	5.7	7.5	6.1
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.64	6.57	7.54	6.84	5.24	6.93	7.37
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.19	6.23	7.15	6.51	-	-	5.71
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	1.7	6.07	7.14	7.15	5.18	6.43	7.53
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	6.04	7.67	7.06	5.75	7.68	7.93
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	1.21	5.92	7.52	7.43	5.47	7.07	6.84
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.52	5.85	7.23	6.87	6.07	6.26	8.03
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.55	5.81	7.04	6.6	4.57	5.96	6.42
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.25	5.4	6.2	5.78	4.91	-	5.79
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.75	4.86	6.24	5.98	4.39	6.17	6.83
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.57	4.05	7.05	6.44	4.77	6.95	7.52