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Fixed Deposit vs Debt Funds

Fixed Deposit
Debt Fund
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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 103,716 3,716 3.72
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 3,716 Short Term Not Applicable 1,115 2,601

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 - 16-03-2026
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 7.58 7.77 8.28 7.1 6.87 6.92
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.75 7.37 7.71 7.97 6.46 6.94 6.55
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 0.63 6.67 7.03 7.43 6.3 7.34 7.78
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 1.02 6.61 6.68 6.68 5.05 - 5.86
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.23 6.34 7.14 7.35 6.88 6.26 7.28
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.23 6.33 7.14 7.36 6.89 6.27 7.54
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.28 6.23 7.1 7.4 6.53 8.03 8.24
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.98 5.75 6.63 6.82 5.8 6.34 6.57
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 1.35 5.68 6.47 7.14 5.94 7.42 6.05
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.56 5.57 6.4 6.8 8.68 6.67 7.61
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 1.33 4.99 6.21 7.15 5.94 7.44 7.82
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.6 4.96 6.04 6.46 4.7 - 5.06
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 1.0 4.94 6.26 7.12 6.21 - 6.64
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.61 4.65 6.2 6.69 5.5 6.65 5.79
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 1.66 3.97 5.75 6.4 5.24 6.77 7.15
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 1.41 3.88 5.64 6.4 6.1 6.12 7.93
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.19 3.44 5.26 6.02 - - 5.27
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 1.59 3.08 4.98 6.33 5.16 6.84 7.38
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 1.32 2.95 4.54 4.9 4.62 - 5.42
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.22 2.91 5.18 6.86 5.59 6.75 6.66
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 1.78 2.86 4.55 5.37 4.4 5.99 6.65
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 1.7 2.71 5.12 6.0 5.19 6.09 7.34
Union Dynamic Bond Fund - Growth Option 13-02-2012 1.57 1.78 4.47 5.53 4.48 5.63 6.12

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