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	108,067	8,067	8.07

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	8,067	Short Term	Not Applicable	2,420	5,647

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 - 11-07-2025

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	10.45	9.17	8.31	6.99	7.16	7.05
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.75	10.14	8.66	8.46	5.85	7.1	6.62
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.98	9.61	8.16	7.52	5.73	6.78	6.71
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.23	9.56	8.44	8.97	7.02	6.51	7.68
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	1.23	9.56	8.43	8.97	7.01	6.51	7.45
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.63	9.42	8.21	8.05	5.73	7.58	7.98
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.29	9.4	8.44	8.43	6.67	8.26	8.44
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.53	9.02	8.12	7.43	8.32	6.98	7.84
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	0.96	8.98	8.65	8.33	6.37	-	7.06
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.78	8.82	8.22	7.47	5.19	7.09	5.94
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	8.54	8.39	7.86	5.82	7.91	8.04
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.57	8.3	7.71	7.24	4.9	-	5.38
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.64	8.28	7.96	7.19	5.25	7.08	7.46
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.55	8.09	7.61	7.18	4.7	6.18	6.54
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.42	8.08	7.76	8.0	5.57	7.64	6.13
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.19	8.08	7.66	6.94	-	-	5.99
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	1.7	8.07	7.57	7.79	5.18	6.61	7.6
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.52	8.07	7.86	7.5	6.28	6.47	8.09
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.02	8.01	7.16	6.77	4.47	-	5.96
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	1.2	7.77	8.19	7.83	5.51	7.27	6.92
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.25	7.18	6.48	6.23	5.05	-	5.97
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.75	6.75	6.77	6.64	4.45	6.37	6.92
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.57	6.29	7.62	7.26	4.84	7.21	7.63