Fixed Deposit vs Debt Funds

Fixed Deposit

Deposit Amount

Start Date

End Date

Debt Fund

Select Category

To see Top performing debt funds by category and period, please scroll down

Select AMC

Select Scheme

Income Tax Rate

Submit

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	111,003	11,003	11.0

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	11,003	Short Term	Not Applicable	3,301	7,702

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

Select Category

Select Period

Submit

Data as on - 21-04-2025

Scheme Name	Launch Date	Expense Ratio (%)	1-Year Ret (%)	2-Yrs Ret (%)	3-Yrs Ret (%)	5-Yrs Ret (%)	10-Yrs Ret (%)	Since Launch Ret (%)
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	1.2	12.11	9.88	8.06	6.56	7.35	7.04
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	0.96	11.87	9.35	8.43	6.68	-	7.2
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.23	11.86	8.93	8.79	7.64	6.54	7.73
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.57	11.83	8.81	7.28	6.11	7.29	7.81
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.56	11.78	8.63	7.29	5.66	6.2	6.69
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.76	11.68	8.8	7.57	6.02	7.1	6.01
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.64	11.54	8.81	7.38	6.05	7.19	7.61
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.97	11.49	8.49	7.51	6.37	6.93	6.75
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	1.69	11.41	8.61	7.84	5.82	6.65	7.69
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.4	11.24	8.79	8.13	6.38	7.63	6.2
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.19	11.17	8.45	7.26	-	-	6.41
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	11.11	8.96	7.43	6.82	7.95	8.11
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.74	11.08	8.79	7.66	6.22	6.91	6.62
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.63	10.92	8.7	7.69	6.68	7.56	8.06
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.52	10.9	8.59	7.4	7.05	6.42	8.16
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option	24-06-2013	0.52	10.86	9.09	7.64	7.03	6.92	7.02
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.53	10.63	8.4	9.81	9.04	6.93	7.9
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.29	10.55	8.7	8.07	7.31	8.11	8.48
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.75	10.45	7.79	6.89	5.41	6.45	7.07
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.57	10.42	8.0	6.8	5.03	-	5.44
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.25	9.36	7.12	6.31	5.52	-	6.24
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.02	7.98	6.83	5.94	4.79	-	5.9