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	4.07	104,066	4,066

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	4,066	Short Term	1,220	2,846

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 - 30-01-2026

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	7.77	8.56	8.17	6.84	6.95	6.94
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	6.69	7.5	7.6	6.38	8.17	8.28
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	6.63	6.86	6.59	4.8	-	5.86
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	6.4	7.42	7.21	5.57	7.35	7.78
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	6.38	7.79	7.52	5.55	6.86	6.51
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	6.15	7.54	7.41	6.65	6.37	7.29
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	6.14	7.54	7.42	6.65	6.37	7.55
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	5.71	7.03	6.9	5.57	6.39	6.59
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	5.28	6.89	6.81	8.34	6.62	7.62
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	5.24	7.09	7.25	5.45	7.5	7.86
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	5.14	6.7	6.99	5.54	7.35	6.03
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	5.08	7.0	7.22	5.94	-	6.68
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	5.04	6.62	6.54	4.6	-	5.1
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	4.58	6.73	6.77	4.9	6.7	5.8
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	4.33	6.51	6.55	4.92	6.86	7.19
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	3.97	6.28	6.55	5.79	6.23	7.95
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	3.3	6.38	7.07	5.11	6.82	6.71
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	3.19	5.79	5.95	-	-	5.25
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	3.18	5.82	6.27	4.79	6.23	7.38
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	3.11	4.98	5.14	4.47	-	5.51
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	3.06	5.73	6.35	4.53	6.81	7.39
Union Dynamic Bond Fund - Growth Option	13-02-2012	2.77	5.53	6.08	4.18	5.78	6.22
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	2.49	5.0	5.44	4.03	6.11	6.65

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