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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 104,112 4,112 4.11
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 4,112 Short Term Not Applicable 1,234 2,879

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 - 16-01-2026
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 8.12 8.67 8.15 6.82 6.98 6.96
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.01 6.8 6.91 6.57 4.79 - 5.87
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.63 6.73 7.44 7.16 5.57 7.36 7.79
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.28 6.61 7.35 7.45 6.29 8.13 8.27
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.23 6.5 7.46 7.3 6.6 6.34 7.29
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.23 6.49 7.46 7.3 6.61 6.35 7.55
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.75 6.42 7.71 7.35 5.48 6.85 6.5
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.98 6.25 7.03 6.81 5.55 6.4 6.59
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.56 5.83 6.97 6.77 8.32 6.67 7.63
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 1.02 5.6 7.05 7.16 5.93 - 6.69
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.33 5.55 7.05 7.03 5.39 7.55 7.86
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.6 5.55 6.71 6.46 4.58 - 5.1
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.37 5.36 6.75 6.82 5.5 7.38 6.03
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.61 5.07 6.71 6.66 4.87 6.73 5.79
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.65 4.57 6.52 6.42 4.89 6.87 7.19
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.41 4.11 6.13 6.37 5.7 6.19 7.94
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.25 3.63 4.93 5.14 4.45 - 5.5
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.2 3.61 6.02 5.95 - - 5.25
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.57 3.57 6.19 6.33 4.53 6.86 7.4
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.21 3.55 6.42 6.97 5.07 6.82 6.7
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 1.7 3.54 5.78 6.14 4.75 6.22 7.38
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.57 3.0 5.45 5.84 4.11 5.78 6.2
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.76 2.88 4.99 5.22 3.99 6.05 6.64

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