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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 104,874 4,874 4.87
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 4,874 Short Term Not Applicable 1,462 3,412

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 - 28-11-2025
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 9.08 9.53 8.38 6.82 7.06 7.02
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.74 7.96 8.71 7.94 5.68 6.91 6.57
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.98 7.8 8.04 7.22 5.65 6.58 6.66
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.63 7.6 8.11 7.43 5.6 7.38 7.87
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.14 7.5 8.25 7.58 6.75 6.31 7.35
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.14 7.49 8.25 7.58 6.75 6.32 7.6
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.28 7.47 7.91 7.65 6.34 8.07 8.33
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.02 7.24 7.31 6.65 4.69 - 5.92
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 1.02 6.82 8.23 7.55 6.08 - 6.84
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.45 6.7 7.83 7.1 8.35 6.72 7.71
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.57 6.66 7.69 6.8 4.72 - 5.25
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.41 6.38 7.57 7.24 5.52 7.44 6.08
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.78 6.08 7.6 6.94 4.93 6.79 5.85
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.33 5.77 7.77 7.07 5.38 7.6 7.89
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.64 5.65 7.44 6.74 4.97 6.87 7.29
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 1.7 4.93 6.77 6.57 4.87 6.28 7.45
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.41 4.87 6.95 6.6 5.82 6.14 7.98
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.21 4.63 7.47 7.37 5.19 6.92 6.77
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.2 4.55 6.66 6.17 - - 5.39
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.55 4.09 6.51 6.17 4.15 5.81 6.28
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.25 4.09 5.75 5.42 4.45 - 5.61
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.75 4.05 6.07 5.67 4.12 6.05 6.73
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.57 3.99 7.35 6.6 4.57 6.91 7.47

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