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 110,249 10,249 10.25
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 10,249 Short Term Not Applicable 3,075 7,174

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 - 28-05-2025
Scheme
Name		 Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option 24-06-2013 0.52 11.6 9.21 8.38 7.43 7.11 7.11
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.74 11.56 8.89 8.71 6.23 7.11 6.68
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.23 11.23 8.98 9.35 7.84 6.62 7.75
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.23 11.23 8.98 9.35 7.83 6.62 7.54
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.97 11.19 8.54 7.91 6.4 6.95 6.78
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.77 10.98 8.87 8.0 5.77 7.19 6.03
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.19 10.87 9.18 8.52 6.21 7.43 7.06
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.63 10.86 8.45 8.44 6.47 7.63 8.08
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.33 10.77 9.02 8.14 6.59 8.01 8.14
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 0.96 10.76 9.41 8.85 6.7 - 7.26
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.54 10.72 8.36 7.81 5.45 6.3 6.71
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 1.7 10.47 8.31 8.29 5.64 6.73 7.7
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.41 10.44 8.56 8.63 6.11 7.74 6.22
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.64 10.36 8.53 7.65 5.71 7.21 7.6
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.52 10.25 8.56 7.86 6.94 6.55 8.17
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.53 10.14 8.37 7.58 8.89 7.02 7.92
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.29 10.07 8.62 8.49 6.97 8.24 8.49
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.57 9.81 8.66 8.07 5.71 7.39 7.81
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.57 9.7 7.98 7.46 5.2 - 5.53
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.75 9.67 7.65 7.37 5.07 6.55 7.09
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.19 9.66 8.27 7.34 - - 6.36
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.25 9.17 7.19 6.78 5.51 - 6.27
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.04 8.38 6.98 6.81 4.57 - 5.97