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 108,380 8,380 8.38
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 8,380 Short Term Not Applicable 2,514 5,866

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 - 28-03-2025
Scheme
Name		 Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.23 9.18 8.51 8.01 7.41 6.42 7.66
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.76 9.04 8.33 6.92 5.83 6.94 5.92
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 0.52 9.04 9.02 6.95 6.79 6.79 6.93
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.2 8.93 9.72 7.28 6.48 7.19 6.96
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 0.96 8.86 8.89 7.66 6.55 - 7.02
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.71 8.82 8.56 6.67 6.29 6.76 6.55
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.64 8.77 8.37 6.59 6.42 7.4 7.95
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.29 8.72 8.39 7.51 7.11 8.0 8.42
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.64 8.7 8.24 6.67 5.7 7.02 7.48
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.97 8.66 7.94 6.81 6.08 6.77 6.67
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.33 8.49 8.77 6.76 6.6 7.81 8.05
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.5 8.44 8.02 6.25 5.44 6.01 6.56
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.52 8.38 8.2 6.59 6.82 6.28 8.11
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 1.69 8.36 8.09 6.86 5.56 6.46 7.61
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.57 8.22 8.6 6.39 6.09 7.17 7.74
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.39 8.18 8.36 7.37 6.18 7.46 6.12
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.57 8.18 7.76 5.97 4.76 - 5.25
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.53 8.11 7.89 9.24 9.1 6.8 7.81
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.2 7.89 7.79 6.71 - - 6.03
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.75 7.55 7.26 6.12 5.22 6.28 6.98
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.45 7.44 6.49 5.59 5.31 - 6.02
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.03 7.2 6.85 5.14 4.71 - 5.82