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	105,058	5,058	5.06

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	5,058	Short Term	Not Applicable	1,517	3,541

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 - 20-08-2025

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	8.89	8.99	7.89	6.9	7.04	6.99
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.75	8.32	8.34	7.68	5.75	6.92	6.57
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.29	7.9	8.02	7.81	6.57	8.08	8.37
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.98	7.65	7.81	7.15	5.66	6.64	6.66
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	0.0	7.59	8.08	7.49	6.88	6.34	7.62
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	0.0	7.59	8.07	7.48	6.88	6.34	7.38
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.02	7.46	7.18	6.43	4.7	-	5.93
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.63	7.25	7.8	7.3	5.81	7.37	7.88
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	1.02	6.92	8.04	7.84	6.24	-	6.9
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	0.0	6.77	7.52	6.96	8.32	6.74	7.73
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.57	6.5	7.45	6.68	4.78	-	5.24
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.78	6.42	7.61	6.88	5.14	6.87	5.86
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.42	6.02	7.41	7.62	5.65	7.45	6.08
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.19	5.91	6.99	6.42	-	-	5.64
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.64	5.74	7.29	6.65	5.16	6.87	7.33
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	5.59	7.59	6.98	5.76	7.65	7.92
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	1.7	5.57	6.95	6.88	5.1	6.38	7.5
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.52	5.24	7.0	6.68	6.0	6.2	8.02
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.25	4.98	6.01	5.62	4.89	-	5.73
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	1.21	4.94	7.33	7.27	5.41	7.01	6.82
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.55	4.84	6.73	6.34	4.49	5.89	6.36
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.75	3.98	5.96	5.76	4.3	6.1	6.79
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.57	2.86	6.79	6.23	4.67	6.89	7.48