Fixed Deposit vs Debt Funds

Fixed Deposit
Debt Fund
Submit
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 104,220 4,220 4.22
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 4,220 Short Term Not Applicable 1,266 2,954

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 - 18-12-2025
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 8.17 8.95 8.13 6.76 7.01 6.98
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.75 7.26 8.26 7.67 5.71 6.91 6.55
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.28 7.13 7.66 7.6 6.36 8.1 8.31
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.02 6.98 7.08 6.57 4.71 - 5.9
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.98 6.78 7.48 7.04 5.55 6.5 6.63
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.14 6.59 7.77 7.44 6.67 6.32 7.58
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.14 6.59 7.76 7.44 6.66 6.32 7.32
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.63 6.56 7.77 7.25 5.6 7.36 7.83
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.55 5.88 7.26 6.94 8.35 6.68 7.67
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.57 5.74 7.08 6.66 4.67 - 5.18
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 1.02 5.63 7.45 7.38 6.02 - 6.77
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.78 5.32 7.12 6.86 4.92 6.75 5.83
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.33 5.25 7.4 7.02 5.41 7.56 7.88
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.38 5.19 7.0 7.02 5.48 7.39 6.05
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.65 4.74 6.9 6.63 4.95 6.86 7.25
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.41 4.22 6.53 6.54 5.78 6.16 7.97
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 1.7 4.14 6.15 6.4 4.83 6.24 7.42
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.2 3.98 6.21 6.08 - - 5.33
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.25 3.57 5.22 5.34 4.45 - 5.58
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.21 3.48 6.81 7.23 5.16 6.88 6.75
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.57 3.38 5.99 6.13 4.17 5.8 6.27
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.76 3.19 5.54 5.54 4.1 6.05 6.71
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.57 2.95 6.53 6.49 4.51 6.88 7.44