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	4.01	104,006	4,006

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	4,006	Short Term	1,202	2,804

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 - 04-12-2025

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	8.95	9.66	8.42	6.88	7.09	7.04
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	7.38	8.58	7.74	5.68	6.89	6.56
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	6.94	7.26	6.57	4.67	-	5.91
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	6.92	7.96	7.11	5.62	6.55	6.65
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	6.89	7.8	7.55	6.29	8.06	8.31
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	6.72	8.09	7.35	5.62	7.37	7.86
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	6.65	8.19	7.5	6.74	6.31	7.34
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	6.64	8.2	7.5	6.75	6.31	7.59
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	5.96	7.76	7.01	8.34	6.7	7.7
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	5.82	7.57	6.66	4.68	-	5.21
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	5.79	8.15	7.43	6.02	-	6.81
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	5.5	7.53	7.1	5.48	7.43	6.07
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	5.21	7.52	6.84	4.89	6.76	5.84
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	5.18	7.77	7.03	5.39	7.58	7.89
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	4.82	7.36	6.67	4.94	6.85	7.28
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	4.01	6.83	6.48	5.78	6.13	7.97
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	3.97	6.64	6.43	4.8	6.26	7.44
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	3.89	6.68	6.1	-	-	5.38
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	3.5	7.4	7.3	5.12	6.9	6.76
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	3.38	5.65	5.36	4.43	-	5.59
Union Dynamic Bond Fund - Growth Option	13-02-2012	3.2	6.4	6.05	4.1	5.78	6.27
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	3.15	7.34	6.57	4.55	6.92	7.47
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	3.12	5.98	5.54	4.08	6.04	6.72

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