Fixed Deposit vs Debt Funds

Fixed Deposit
Debt Fund
Submit
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 104,101 4,101 4.1
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 4,101 Short Term Not Applicable 1,230 2,871

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 - 20-01-2026
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 7.94 8.6 8.12 6.81 6.95 6.94
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.01 6.71 6.88 6.51 4.78 - 5.86
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.28 6.65 7.4 7.46 6.31 8.12 8.27
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.63 6.64 7.44 7.15 5.61 7.33 7.78
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.75 6.54 7.79 7.4 5.57 6.85 6.51
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.23 6.41 7.52 7.3 6.62 6.32 7.28
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.23 6.4 7.52 7.31 6.62 6.33 7.55
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.98 6.18 7.09 6.79 5.53 6.39 6.58
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.56 5.68 6.95 6.73 8.31 6.62 7.62
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 1.02 5.57 7.13 7.14 5.91 - 6.68
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.33 5.38 7.03 7.03 5.39 7.48 7.85
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.6 5.37 6.7 6.41 4.55 - 5.08
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.37 5.33 6.8 6.82 5.48 7.34 6.02
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.61 4.96 6.73 6.64 4.83 6.68 5.79
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.65 4.51 6.57 6.41 4.86 6.84 7.18
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.41 4.1 6.19 6.39 5.71 6.17 7.94
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.2 3.66 6.09 5.95 - - 5.25
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.25 3.55 4.97 5.09 4.43 - 5.49
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.57 3.5 6.27 6.3 4.51 6.83 7.4
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 1.7 3.5 5.79 6.12 4.7 6.19 7.37
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.21 3.46 6.45 6.95 5.03 6.79 6.69
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.76 2.91 5.06 5.25 3.98 6.04 6.64
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.57 2.83 5.45 5.78 4.07 5.73 6.18