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 109,890 9,890 9.89
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 9,890 Short Term Not Applicable 2,967 6,923

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 - 08-05-2025
Scheme
Name		 Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.19 10.99 8.98 8.16 6.07 7.41 7.01
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.23 10.95 8.57 8.99 7.87 6.58 7.71
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.74 10.95 8.58 8.59 5.97 7.08 6.63
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.23 10.94 8.56 8.99 7.87 6.57 7.48
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 0.52 10.79 8.85 8.14 7.27 7.11 7.03
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 0.96 10.75 8.96 8.63 6.46 - 7.15
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.54 10.66 8.04 7.53 5.32 6.29 6.65
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.97 10.6 8.09 7.5 6.22 6.86 6.73
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.77 10.58 8.41 7.6 5.63 7.17 5.98
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.33 10.56 8.66 7.86 6.59 8.05 8.1
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.64 10.35 8.26 7.33 5.58 7.2 7.55
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.57 10.34 8.39 8.0 5.62 7.39 7.77
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.63 10.26 8.14 8.27 6.39 7.61 8.02
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.41 10.2 8.21 8.31 5.94 7.72 6.17
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 1.7 10.15 7.97 8.01 5.45 6.7 7.66
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.52 9.89 8.2 7.52 6.87 6.53 8.14
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.29 9.85 8.38 8.42 7.07 8.26 8.45
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.53 9.83 8.09 7.24 8.77 7.01 7.87
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.19 9.69 8.0 7.04 - - 6.18
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.75 9.54 7.32 7.16 4.98 6.55 7.04
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.57 9.53 7.62 7.21 5.03 - 5.39
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.25 8.69 6.92 6.56 5.35 - 6.17
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.04 7.94 6.78 6.75 4.45 - 5.9