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	104,829	4,829	4.83

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	4,829	Short Term	Not Applicable	1,449	3,380

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 - 10-09-2025

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	8.32	8.88	7.82	6.96	7.02	6.97
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.28	7.57	7.95	7.56	6.59	8.08	8.35
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.02	7.35	7.12	6.4	4.76	-	5.92
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.98	7.33	7.8	7.12	5.79	6.61	6.65
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	0.0	7.26	8.1	7.4	6.89	6.37	7.61
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	0.0	7.26	8.1	7.4	6.88	6.36	7.36
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.74	7.19	7.85	7.29	5.72	6.86	6.53
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.63	6.91	7.66	7.07	5.76	7.38	7.86
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	0.0	6.43	7.46	6.79	8.37	6.74	7.72
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	1.02	6.38	7.96	7.73	6.22	-	6.86
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.78	6.17	7.62	6.89	5.3	6.87	5.86
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.57	6.12	7.37	6.59	4.75	-	5.22
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.42	6.04	7.47	7.35	5.79	7.47	6.09
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.64	5.65	7.37	6.65	5.2	6.89	7.33
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	1.7	5.37	6.94	6.77	5.23	6.37	7.49
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.19	5.19	6.71	6.27	-	-	5.51
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	5.12	7.58	6.81	5.69	7.61	7.91
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.25	4.86	6.07	5.64	4.99	-	5.73
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.52	4.83	6.95	6.5	6.06	6.21	8.01
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.55	4.65	6.75	6.31	4.59	5.9	6.36
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	1.21	4.63	7.21	7.19	5.59	7.02	6.81
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.75	3.47	5.83	5.66	4.35	6.08	6.76
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.57	2.96	6.99	6.39	4.94	6.92	7.49