Fixed Deposit vs Debt Funds

Fixed Deposit
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 108,137 8,137 8.14
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 8,137 Short Term Not Applicable 2,441 5,696

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 - 21-03-2025
Scheme
Name		 Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.71 8.7 8.42 6.63 6.44 6.69 6.53
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 0.52 8.62 8.82 6.86 6.89 6.73 6.89
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.23 8.56 8.18 7.74 7.68 6.35 7.63
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.76 8.48 8.07 6.69 5.99 6.86 5.89
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.29 8.38 8.21 7.37 7.28 7.91 8.39
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.2 8.36 9.31 6.95 6.52 7.09 6.92
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 0.96 8.34 8.59 7.4 6.75 - 6.94
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.64 8.19 7.97 6.41 5.84 6.95 7.44
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.64 8.16 8.09 6.36 6.83 7.31 7.91
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.33 8.12 8.48 6.6 6.8 7.74 8.02
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 1.69 8.12 7.94 6.66 5.86 6.4 7.59
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.97 8.11 7.65 6.57 6.29 6.71 6.64
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.52 8.02 8.01 6.41 6.97 6.21 8.1
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.5 7.91 7.77 5.93 5.73 5.92 6.51
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.39 7.81 8.16 7.13 6.32 7.36 6.09
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.57 7.75 7.51 5.76 4.91 - 5.17
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.53 7.73 7.63 8.98 9.26 6.72 7.78
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.57 7.72 8.36 6.03 6.15 7.07 7.7
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.2 7.6 7.58 6.54 - - 5.91
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.75 7.02 7.01 5.85 5.31 6.19 6.94
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.03 6.99 6.79 5.12 4.83 - 5.79
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.45 6.9 6.24 5.38 5.31 - 5.94