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	107,752	7,752	7.75

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	7,752	Short Term	Not Applicable	2,326	5,427

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 - 20-06-2025

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	10.36	9.03	8.33	7.24	7.1	7.04
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.74	10.2	8.46	8.67	6.02	7.07	6.62
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.97	9.52	7.94	7.5	5.96	6.79	6.71
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.23	9.45	8.37	9.01	7.47	6.49	7.68
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	1.23	9.45	8.36	9.0	7.46	6.49	7.44
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.29	9.36	8.35	8.59	6.9	8.24	8.44
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.63	9.32	8.01	8.29	6.12	7.53	7.98
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	0.96	8.86	8.58	8.36	6.39	-	7.06
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.53	8.85	7.89	7.33	8.56	6.91	7.84
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.77	8.66	8.02	7.39	5.4	7.04	5.93
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.02	8.19	7.05	7.07	4.65	-	5.96
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.19	8.13	7.64	6.96	-	-	6.01
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.41	8.11	7.74	7.97	5.79	7.61	6.13
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	8.08	8.27	7.92	6.11	7.85	8.03
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.64	8.06	7.75	7.13	5.39	7.04	7.46
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.57	7.98	7.47	7.2	4.89	-	5.34
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	1.7	7.94	7.38	7.77	5.29	6.56	7.59
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.55	7.88	7.35	7.12	4.95	6.12	6.53
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.52	7.75	7.66	7.38	6.49	6.42	8.09
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	1.19	7.47	7.97	7.75	5.71	7.22	6.91
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.25	7.0	6.29	6.17	5.12	-	5.95
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.75	6.48	6.57	6.59	4.59	6.31	6.91
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.57	5.56	7.2	7.12	5.02	7.12	7.6