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	104,611	4,611	4.61

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	4,611	Short Term	Not Applicable	1,383	3,228

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 - 02-01-2026

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	0.52	8.47	9.05	8.24	6.77	7.01	6.98
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.28	7.33	7.73	7.68	6.36	8.12	8.31
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.63	7.21	7.8	7.38	5.61	7.37	7.83
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.23	7.11	7.96	7.55	6.7	6.34	7.58
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	1.23	7.11	7.96	7.54	6.7	6.34	7.33
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.02	7.11	7.06	6.65	4.73	-	5.9
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.98	7.07	7.53	7.07	5.52	6.47	6.62
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.75	7.03	8.08	7.56	5.58	6.86	6.53
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.55	6.15	7.39	6.93	8.31	6.66	7.66
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	6.08	7.64	7.24	5.47	7.56	7.9
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.57	6.08	7.22	6.73	4.66	-	5.18
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	1.02	6.02	7.59	7.4	5.95	-	6.76
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.78	5.73	7.17	6.94	4.85	6.76	5.83
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.38	5.6	7.1	7.04	5.43	7.38	6.04
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.65	5.21	7.1	6.7	4.94	6.87	7.25
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.41	4.76	6.65	6.64	5.76	6.19	7.97
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	1.7	4.69	6.5	6.56	4.82	6.27	7.43
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	1.21	4.28	7.16	7.29	5.13	6.89	6.75
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.57	4.17	6.32	6.33	4.21	5.84	6.29
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.25	4.1	5.48	5.42	4.51	-	5.61
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.2	4.0	6.31	6.03	-	-	5.29
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.57	3.57	6.81	6.54	4.43	6.87	7.43
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.76	3.51	5.57	5.55	4.04	6.03	6.69