Fixed Deposit vs Debt Funds

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Pre-Tax Return	Investment Amount	Annual Interest / Return (%)	Investment Value at the end of the term	Total Interest / Profit
Fixed Deposit	100000	6.98	106,975	6,975
HDFC Dynamic Debt Fund - Growth Option	100000	7.32	107,317	7,317

Post Tax Return	Pre-tax Interest / Profit	Capital Gains	Income / Capital Gains Tax	Post Tax Interest / Profit
Fixed Deposit	6,975	Not Applicable	2,093	4,883
HDFC Dynamic Debt Fund - Growth Option	7,317	Short Term	2,195	5,122

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 - 01-08-2025

Scheme Name	Launch Date	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	9.86	9.19	8.16	6.99	7.15	7.04
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	9.58	8.66	8.26	5.75	7.06	6.62
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	9.19	8.44	7.82	7.01	6.49	7.67
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	9.19	8.43	7.82	7.0	6.49	7.44
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	9.02	8.38	8.17	6.63	8.24	8.43
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	8.95	8.17	7.41	5.75	6.74	6.7
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	8.9	8.09	7.85	5.7	7.53	7.96
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	8.42	7.88	7.35	8.32	6.93	7.82
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	8.23	8.44	8.17	6.37	-	7.02
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	8.18	8.08	7.22	5.22	7.05	5.93
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	7.94	8.24	7.57	5.84	7.86	8.02
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	7.79	7.15	6.57	4.57	-	5.95
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	7.74	7.65	6.94	4.87	-	5.35
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	7.7	7.85	7.0	5.25	7.04	7.43
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	7.58	7.75	7.94	5.64	7.6	6.12
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	7.5	7.98	7.74	5.53	7.22	6.9
Union Dynamic Bond Fund - Growth Option	13-02-2012	7.43	7.5	7.0	4.68	6.13	6.51
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	7.42	7.73	7.29	6.27	6.41	8.08
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	7.25	7.45	7.46	5.19	6.56	7.57
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	7.23	7.43	6.72	-	-	5.86
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	6.5	6.51	6.08	4.99	-	5.92
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	6.2	6.61	6.34	4.45	6.31	6.89
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	5.81	7.55	6.83	4.81	7.14	7.6

Period	Annualized Return (%)	Value of Rs. 1 Lakh Invested
1 Year Return
3 Year Return
5 Year Return