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	104,463	4,463	4.46

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	4,463	Short Term	Not Applicable	1,339	3,124

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 - 29-08-2025

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	8.2	8.58	7.73	6.9	6.99	6.94
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.75	7.6	7.91	7.48	5.85	6.89	6.55
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.29	7.49	7.73	7.58	6.72	8.06	8.34
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.98	7.35	7.63	7.05	5.77	6.6	6.64
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.02	7.33	7.06	6.43	4.88	-	5.92
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	0.0	7.18	7.74	7.32	6.93	6.31	7.6
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	0.0	7.18	7.74	7.32	6.93	6.31	7.34
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.63	6.85	7.46	7.06	5.94	7.33	7.84
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	1.02	6.3	7.66	7.64	6.28	-	6.82
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.57	6.26	7.2	6.59	4.78	-	5.2
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	0.0	6.21	7.07	6.68	8.43	6.69	7.69
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.78	6.0	7.28	6.73	5.32	6.83	5.84
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.42	5.85	7.11	7.34	5.87	7.43	6.06
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.64	5.42	6.94	6.52	5.26	6.84	7.29
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.19	5.14	6.56	6.16	-	-	5.44
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	1.7	5.02	6.52	6.62	5.25	6.31	7.47
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	4.97	7.1	6.64	5.76	7.55	7.87
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.25	4.57	5.65	5.42	4.91	-	5.64
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	1.21	4.54	6.78	7.07	5.6	6.97	6.78
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.52	4.5	6.5	6.36	6.01	6.14	7.99
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.55	3.92	6.07	6.02	4.55	5.81	6.29
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.75	3.32	5.46	5.53	4.38	6.04	6.73
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.57	2.13	6.07	5.89	4.74	6.79	7.4