Fixed Deposit vs Debt Funds

Fixed Deposit

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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	108,193	8,193	8.19

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	8,193	Short Term	Not Applicable	2,458	5,735

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 - 17-06-2025

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	10.81	9.13	8.53	7.39	7.25	7.07
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.74	10.78	8.58	8.87	6.12	7.21	6.64
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.97	10.01	8.08	7.65	6.12	6.82	6.72
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.23	9.93	8.5	9.13	7.6	6.6	7.69
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	1.23	9.92	8.5	9.13	7.59	6.59	7.46
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.63	9.83	8.14	8.52	6.28	7.65	8.0
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.29	9.54	8.38	8.76	6.99	8.36	8.45
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	0.96	9.27	8.71	8.5	6.45	-	7.09
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.53	9.26	8.05	7.47	8.69	7.05	7.86
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.77	9.16	8.13	7.51	5.51	7.17	5.95
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.64	8.68	7.91	7.26	5.5	7.16	7.49
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	8.62	8.31	8.02	6.27	7.96	8.04
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.41	8.61	7.83	8.17	5.88	7.76	6.15
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.19	8.61	7.82	7.08	-	-	6.1
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	1.7	8.59	7.56	7.98	5.4	6.7	7.62
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.55	8.51	7.52	7.29	5.11	6.26	6.56
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.57	8.47	7.58	7.39	4.98	-	5.39
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.02	8.29	7.05	7.12	4.66	-	5.96
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.52	8.28	7.8	7.6	6.65	6.56	8.1
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	1.19	8.25	8.12	7.86	5.81	7.34	6.93
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.25	7.26	6.31	6.25	5.17	-	5.97
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.75	7.07	6.69	6.84	4.69	6.44	6.94
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.57	6.35	7.27	7.34	5.15	7.28	7.62

Fixed Deposit vs Debt Funds

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