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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 103,699 3,699 3.7
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 3,699 Short Term Not Applicable 1,110 2,589

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 - 11-02-2026
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 8.32 8.52 8.46 7.06 6.99 6.98
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.02 6.66 6.82 6.66 4.95 - 5.87
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.75 6.57 7.5 7.52 6.05 6.93 6.52
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.63 6.46 7.18 7.24 5.96 7.39 7.78
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.28 6.27 7.26 7.43 6.38 8.18 8.25
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.23 6.22 7.23 7.35 6.77 6.41 7.54
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.23 6.22 7.23 7.35 6.77 6.41 7.28
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.98 5.94 6.82 6.91 5.69 6.38 6.59
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.33 5.58 6.72 7.37 5.79 7.54 7.86
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.56 5.51 6.6 6.8 8.43 6.68 7.61
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 1.01 5.37 6.67 7.27 6.04 - 6.69
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.6 5.14 6.26 6.49 4.61 - 5.08
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.35 5.05 6.37 7.02 5.7 7.38 6.03
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.61 4.65 6.35 6.69 5.15 6.72 5.79
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.65 4.17 5.85 6.44 5.02 6.86 7.16
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.41 3.7 5.87 6.4 5.87 6.24 7.93
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.19 3.49 5.39 6.06 - - 5.29
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.57 3.35 5.18 6.42 4.83 6.85 7.4
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.21 3.21 5.52 6.94 5.33 6.81 6.68
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.25 3.16 4.73 5.04 4.54 - 5.47
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 1.7 2.98 5.44 6.13 4.98 6.23 7.36
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.77 2.71 4.51 5.33 4.18 6.13 6.64
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.57 2.26 4.82 5.71 4.27 5.73 6.15

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