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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 100,317 317 0.32
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 317 Short Term Not Applicable 95 222

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 - 14-05-2026
Scheme
Name		 Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.02 5.15 6.61 6.3 4.9 - 5.84
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 0.59 4.19 7.59 7.31 6.55 6.72 6.83
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.27 3.39 6.71 6.79 6.18 7.67 8.17
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.63 3.09 6.88 6.61 5.69 7.11 7.72
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.75 2.98 6.88 6.67 5.72 6.56 6.46
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.23 2.69 6.89 6.72 6.52 5.99 7.5
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.23 2.69 6.89 6.72 6.52 5.99 7.23
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.68 2.69 6.31 6.36 8.57 6.49 7.57
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.37 2.27 6.29 6.29 5.77 7.18 6.02
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.56 2.02 5.86 5.87 4.6 - 5.03
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.33 1.76 6.25 6.45 5.57 7.22 7.77
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.97 1.6 6.23 6.03 5.45 6.19 6.52
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 1.02 0.92 5.8 6.38 5.79 - 6.51
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.82 0.58 5.72 5.97 5.1 6.37 5.73
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.77 0.45 5.36 5.89 4.92 6.75 7.38
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.25 0.42 5.04 5.51 - - 5.05
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.42 0.32 5.21 5.66 5.82 5.77 7.88
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.67 0.11 5.23 5.57 4.8 6.49 7.05
Groww Dynamic Term Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.46 -0.34 4.3 4.58 4.33 - 5.34
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 1.7 -1.18 4.57 5.04 4.75 5.85 7.27
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.21 -1.61 4.69 5.47 5.0 6.47 6.58
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.74 -1.71 3.97 4.38 4.1 5.65 6.54
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.55 -2.56 4.0 4.53 3.96 5.37 6.02

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