Fixed Deposit vs Debt Funds

Fixed Deposit

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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	104,525	4,525	4.53

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	4,525	Short Term	Not Applicable	1,358	3,168

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 - 12-09-2025

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	8.3	8.88	7.82	6.97	7.02	6.97
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.28	7.58	7.98	7.6	6.6	8.09	8.35
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.74	7.46	7.98	7.38	5.75	6.88	6.54
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.02	7.33	7.13	6.4	4.76	-	5.92
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	0.0	7.2	8.12	7.44	6.9	6.37	7.37
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	0.0	7.19	8.12	7.44	6.9	6.37	7.62
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.98	7.16	7.77	7.11	5.78	6.6	6.65
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.63	6.81	7.71	7.08	5.77	7.38	7.86
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	0.0	6.37	7.45	6.81	8.37	6.74	7.72
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	1.02	6.36	7.98	7.75	6.23	-	6.87
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.78	6.08	7.64	6.91	5.31	6.87	5.87
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.57	6.05	7.39	6.63	4.75	-	5.22
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.42	5.89	7.46	7.37	5.78	7.47	6.09
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.64	5.57	7.4	6.69	5.21	6.9	7.33
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	1.7	5.29	7.01	6.81	5.25	6.38	7.5
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	5.18	7.67	6.87	5.73	7.62	7.92
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.19	4.94	6.66	6.24	-	-	5.49
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.52	4.87	7.02	6.57	6.09	6.22	8.01
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.25	4.84	6.1	5.67	5.01	-	5.74
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.55	4.67	6.82	6.38	4.62	5.92	6.37
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	1.21	4.53	7.21	7.22	5.6	7.02	6.81
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.75	3.49	5.87	5.73	4.38	6.1	6.77
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.57	2.94	7.03	6.46	4.96	6.93	7.49