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	101,870	1,870	1.87

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	1,870	Short Term	Not Applicable	561	1,309

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 - 11-06-2026

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	0.59	4.71	7.78	7.61	6.59	6.79	6.89
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.02	4.63	6.53	6.29	4.9	-	5.84
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.62	4.26	7.07	6.76	5.68	7.17	7.75
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.27	3.93	6.76	6.91	6.21	7.73	8.18
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.22	3.9	6.95	6.94	6.56	6.04	7.52
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	1.22	3.9	6.95	6.94	6.56	6.04	7.25
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.37	3.66	6.21	6.4	5.85	7.13	6.03
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.6	3.65	5.41	6.2	5.03	6.84	7.42
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.74	3.52	7.09	6.85	5.79	6.65	6.5
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.68	3.39	6.32	6.42	8.62	6.53	7.57
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	3.21	6.16	6.63	5.57	7.26	7.78
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.51	3.07	5.81	6.04	4.68	-	5.08
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.96	2.65	6.22	6.19	5.5	6.2	6.54
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.61	2.21	5.75	6.15	5.1	6.45	5.76
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	0.99	2.19	5.86	6.59	5.96	-	6.57
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.42	1.87	5.16	5.82	5.89	5.82	7.88
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.66	1.81	5.29	5.81	4.9	6.58	7.08
Groww Dynamic Term Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.46	1.09	4.26	4.63	4.28	-	5.34
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.15	1.03	4.76	5.46	-	-	5.02
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.69	0.81	3.96	4.66	4.19	5.72	6.56
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	1.7	0.73	4.58	5.18	4.84	5.92	7.29
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	1.2	0.61	4.63	5.61	5.07	6.53	6.6
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.55	-0.39	3.98	4.74	3.98	5.43	6.05