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	106,995	6,995	6.98
HDFC Dynamic Debt Fund - Growth Option	100000	108,177	8,177	8.15

Post Tax Return	Pre-tax Interest / Profit Amount	Capital Gains Tax	Indexed Amount	Income / Capital Gains Tax	Post Tax Interest / Profit Amount
Fixed Deposit	6,995	Not Applicable	Not Applicable	2,099	4,897
HDFC Dynamic Debt Fund - Growth Option	8,177	Short Term	Not Applicable	2,453	5,724

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 - 16-01-2025

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	1.22	9.39	8.73	6.38	6.78	7.0	6.88
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option	24-06-2013	0.52	9.24	8.18	6.63	6.74	6.71	6.86
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.71	9.03	7.83	6.23	6.51	6.6	6.51
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.57	8.9	7.75	5.67	6.35	6.96	7.65
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	8.6	7.79	6.11	6.55	7.62	8.0
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.64	8.53	7.36	5.77	5.66	6.85	7.39
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	0.96	8.53	7.95	6.94	6.64	-	6.83
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.2	8.5	7.14	6.09	-	-	5.72
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.23	8.46	7.72	7.23	7.19	6.29	7.6
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.77	8.41	7.48	5.97	5.84	6.78	5.83
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.52	8.2	7.53	5.72	6.63	6.11	8.08
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.45	8.18	7.57	6.58	6.36	7.26	6.06
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.64	8.18	7.39	5.87	6.59	7.21	7.87
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.53	8.13	7.25	8.32	8.3	6.66	7.76
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.29	8.12	7.88	6.92	7.29	7.84	8.37
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	01-01-2013	1.69	8.09	7.48	6.3	5.85	6.35	7.24
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.5	7.98	7.3	5.2	5.56	5.83	6.45
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.57	7.9	6.93	5.07	4.54	-	5.03
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.97	7.85	7.11	6.08	5.72	6.67	6.6
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.75	7.16	6.42	5.25	5.25	6.1	6.89
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.03	7.04	6.46	4.9	5.31	-	5.75
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.45	6.26	5.9	4.94	5.06	-	5.81