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 104,199 4,199 4.2
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 4,199 Short Term Not Applicable 1,260 2,939

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 - 02-12-2025
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 0.49 8.84 9.61 8.37 6.87 7.07 7.03
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.74 7.56 8.67 7.8 5.74 6.9 6.56
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.98 7.17 8.03 7.14 5.66 6.56 6.65
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.02 7.04 7.31 6.59 4.71 - 5.91
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.28 7.04 7.87 7.58 6.32 8.05 8.32
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.63 6.97 8.11 7.37 5.64 7.36 7.86
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.14 6.83 8.23 7.5 6.76 6.3 7.59
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.14 6.83 8.23 7.49 6.75 6.3 7.34
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.45 6.18 7.85 7.04 8.37 6.69 7.7
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.57 6.1 7.69 6.71 4.71 - 5.23
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 1.02 6.08 8.28 7.47 6.08 - 6.82
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.41 5.76 7.62 7.13 5.54 7.43 6.08
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.78 5.5 7.6 6.88 4.96 6.77 5.84
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.33 5.31 7.79 7.04 5.42 7.58 7.89
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.64 5.05 7.43 6.69 4.99 6.86 7.28
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.41 4.2 6.89 6.49 5.8 6.12 7.97
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 1.7 4.19 6.69 6.46 4.86 6.26 7.44
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.2 4.06 6.77 6.11 - - 5.39
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.21 3.88 7.51 7.34 5.19 6.9 6.77
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.25 3.59 5.73 5.38 4.45 - 5.6
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.57 3.51 7.49 6.6 4.63 6.92 7.47
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.55 3.42 6.5 6.07 4.16 5.78 6.27
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.75 3.42 6.09 5.57 4.13 6.04 6.73