Fixed Deposit vs Debt Funds

Fixed Deposit

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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	110,564	10,564	10.56

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	10,564	Short Term	Not Applicable	3,169	7,394

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 - 02-05-2025

Scheme Name	Launch Date	Expense Ratio (%)	1-Year Ret (%)	2-Yrs Ret (%)	3-Yrs Ret (%)	5-Yrs Ret (%)	10-Yrs Ret (%)	Since Launch Ret (%)
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	1.2	12.13	9.67	8.2	6.48	7.4	7.06
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.57	11.8	8.94	7.48	6.08	7.37	7.83
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.23	11.63	8.88	8.82	8.18	6.57	7.73
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	1.23	11.62	8.88	8.81	8.18	6.56	7.51
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.56	11.57	8.53	7.35	5.68	6.25	6.7
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	0.96	11.57	9.27	8.41	6.62	-	7.2
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.76	11.41	8.78	7.62	5.99	7.14	6.01
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	11.3	8.96	7.54	6.95	8.02	8.13
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.97	11.18	8.4	7.51	6.43	6.9	6.74
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.64	11.11	8.63	7.37	5.93	7.18	7.59
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.4	11.1	8.65	8.18	6.35	7.68	6.2
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option	24-06-2013	0.52	11.05	9.04	7.68	7.24	7.0	7.04
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.74	11.04	8.67	7.59	6.2	6.96	6.63
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	1.69	11.0	8.45	7.88	5.77	6.68	7.69
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.63	10.93	8.58	7.67	6.83	7.59	8.06
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.52	10.7	8.57	7.43	7.26	6.46	8.16
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.75	10.41	7.79	7.0	5.38	6.51	7.08
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.19	10.31	8.21	7.13	-	-	6.27
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.53	10.25	8.28	9.83	9.06	6.96	7.89
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.29	10.23	8.61	8.04	7.36	8.15	8.47
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.57	10.19	7.95	6.85	5.17	-	5.45
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.25	9.46	7.25	6.43	5.51	-	6.27
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.02	8.1	6.85	6.01	4.63	-	5.91

Fixed Deposit vs Debt Funds

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