Fixed Deposit vs Debt Funds

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 100,406 406 0.41
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 406 Short Term Not Applicable 122 284

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 - 05-06-2026
Scheme
Name		 Launch Date Expense Ratio (%) 1-Year Ret (%) 2-Yrs Ret (%) 3-Yrs Ret (%) 5-Yrs Ret (%) 10-Yrs Ret (%) Since Launch Ret (%)
Mirae Asset Dynamic Bond Fund-Regular Plan Growth | Invest Online 05-03-2017 1.02 4.58 6.52 6.2 4.92 - 5.82
360 ONE Dynamic Bond Fund - Regular Plan - Growth Option | Invest Online 24-06-2013 0.59 3.75 7.65 7.38 6.55 6.74 6.85
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 1.27 3.39 6.68 6.8 6.22 7.7 8.17
Axis Dynamic Bond Fund - Regular Plan - Growth Option | Invest Online 01-04-2011 0.63 3.12 6.97 6.6 5.7 7.14 7.73
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 1.23 2.66 6.88 6.79 6.53 6.0 7.5
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 1.23 2.66 6.88 6.78 6.53 6.0 7.24
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 1.68 2.43 6.25 6.33 8.59 6.51 7.56
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 0.75 2.15 6.68 6.52 5.68 6.55 6.45
SBI Dynamic Bond Fund - Regular Plan - Growth | Invest Online 10-02-2004 1.37 2.13 6.2 6.25 5.8 7.16 6.02
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 1.56 1.94 5.76 5.87 4.65 - 5.04
Kotak Dynamic Bond Fund Regular Plan Growth | Invest Online 26-05-2008 1.33 1.88 6.22 6.5 5.59 7.24 7.77
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth | Invest Online 01-12-2008 1.77 1.44 5.49 6.04 5.05 6.82 7.4
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 0.97 1.43 6.17 6.05 5.5 6.18 6.53
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 1.02 0.74 5.63 6.36 5.86 - 6.5
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 0.82 0.71 5.66 5.98 5.12 6.41 5.74
HDFC Dynamic Debt Fund - Growth Option | Invest Online 28-04-1997 1.42 0.41 5.14 5.7 5.86 5.8 7.88
PGIM India Dynamic Bond Fund - Growth Option | Invest Online 12-01-2012 1.67 0.32 5.22 5.65 4.87 6.54 7.06
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 1.25 0.2 4.8 5.44 - - 5.02
Groww Dynamic Term Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option | Invest Online 30-11-2018 1.46 -0.37 4.17 4.46 4.27 - 5.3
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 1.7 -0.97 4.52 5.04 4.83 5.88 7.27
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 1.21 -1.27 4.64 5.43 5.1 6.49 6.59
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option | Invest Online 29-05-2009 1.74 -1.54 3.83 4.39 4.12 5.67 6.53
Union Dynamic Bond Fund - Growth Option | Invest Online 13-02-2012 1.55 -2.2 3.99 4.6 4.03 5.41 6.04