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 104,644 4,644 4.64
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 4,644 Short Term Not Applicable 1,393 3,251

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 - 24-12-2025
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 8.23 8.91 8.18 6.75 7.01 6.97
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.28 7.28 7.7 7.64 6.37 8.11 8.31
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.63 7.23 7.81 7.38 5.65 7.39 7.84
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.02 7.09 7.04 6.62 4.73 - 5.9
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.98 7.08 7.56 7.1 5.57 6.5 6.63
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.23 7.07 7.92 7.53 6.72 6.34 7.59
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.23 7.07 7.92 7.52 6.72 6.33 7.33
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.75 6.9 7.85 7.5 5.54 6.85 6.52
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.55 6.24 7.38 6.95 8.37 6.69 7.67
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 1.02 6.13 7.57 7.43 6.02 - 6.77
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.57 6.04 7.12 6.68 4.66 - 5.17
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.78 5.85 7.21 6.95 4.93 6.77 5.84
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.33 5.71 7.49 7.12 5.42 7.57 7.88
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.38 5.69 7.12 7.09 5.49 7.4 6.05
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.65 5.19 7.02 6.68 4.97 6.87 7.25
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.41 4.65 6.6 6.6 5.79 6.18 7.97
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 1.7 4.64 6.34 6.55 4.89 6.28 7.43
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.21 4.34 7.07 7.34 5.2 6.91 6.76
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.2 4.21 6.36 6.13 - - 5.36
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.25 4.19 5.48 5.44 4.53 - 5.62
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.57 4.1 6.23 6.29 4.24 5.84 6.29
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.57 3.71 6.71 6.55 4.51 6.89 7.44
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.76 3.55 5.53 5.53 4.08 6.03 6.7