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	103,605	3,605	3.6

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	3,605	Short Term	Not Applicable	1,081	2,523

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 - 06-02-2026

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	7.63	8.25	8.28	6.96	6.96	6.95
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.01	6.53	6.82	6.6	4.94	-	5.87
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.28	6.25	7.24	7.44	6.4	8.18	8.25
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.75	6.22	7.46	7.43	5.85	6.9	6.51
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.63	6.14	7.2	7.16	5.93	7.37	7.78
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.23	5.88	7.15	7.28	6.78	6.39	7.54
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	1.23	5.88	7.15	7.28	6.77	6.39	7.28
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.98	5.55	6.73	6.81	5.69	6.38	6.58
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.56	5.16	6.53	6.73	8.47	6.66	7.61
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	1.02	4.89	6.6	7.15	6.06	-	6.68
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.6	4.82	6.23	6.44	4.64	-	5.08
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	4.8	6.51	7.22	5.69	7.5	7.85
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.37	4.76	6.35	6.89	5.69	7.37	6.03
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.61	4.23	6.31	6.62	5.11	6.71	5.79
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.65	3.88	5.78	6.34	5.03	6.85	7.16
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.41	3.49	5.9	6.36	5.89	6.23	7.93
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.2	3.12	5.31	5.95	-	-	5.26
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.57	2.8	5.12	6.29	4.82	6.84	7.4
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	1.21	2.74	5.52	6.87	5.35	6.8	6.68
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.25	2.7	4.66	4.99	4.53	-	5.47
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	1.7	2.62	5.38	6.01	5.0	6.21	7.35
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.76	2.04	4.36	5.17	4.12	6.1	6.63
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.57	1.84	4.76	5.62	4.29	5.72	6.15