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 103,885 3,885 3.89
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 3,885 Short Term Not Applicable 1,166 2,720

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 - 04-02-2026
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 7.83 8.24 8.3 6.95 6.96 6.95
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.75 6.68 7.66 7.5 5.86 6.94 6.52
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.01 6.65 6.8 6.58 4.93 - 5.87
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.28 6.54 7.29 7.5 6.44 8.21 8.27
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.63 6.51 7.24 7.17 5.89 7.4 7.79
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.23 6.21 7.12 7.29 6.77 6.41 7.29
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.23 6.2 7.12 7.29 6.78 6.42 7.55
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.98 5.79 6.67 6.82 5.68 6.4 6.59
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.56 5.45 6.52 6.75 8.47 6.68 7.62
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 1.02 5.4 6.57 7.17 6.06 - 6.7
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.33 5.2 6.46 7.23 5.66 7.52 7.85
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.6 5.17 6.23 6.44 4.65 - 5.1
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.37 5.12 6.26 6.85 5.66 7.38 6.03
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.61 4.67 6.29 6.64 5.1 6.73 5.8
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.65 4.22 5.85 6.38 5.03 6.88 7.18
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.41 3.89 5.91 6.4 5.9 6.26 7.94
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.21 3.37 5.62 6.93 5.35 6.83 6.7
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.25 3.31 4.63 5.02 4.52 - 5.49
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.57 3.29 5.13 6.26 4.76 6.85 7.4
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.2 3.17 5.29 5.93 - - 5.25
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 1.7 2.99 5.43 6.05 5.01 6.24 7.37
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.76 2.62 4.41 5.21 4.15 6.14 6.64
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.57 2.42 4.89 5.74 4.31 5.77 6.18