Fixed Deposit vs Debt Funds

Fixed Deposit

Deposit Amount

Start Date

Debt Fund

Select Category

To see Top performing debt funds by category and period, please scroll down

Select AMC

Select Scheme

Income Tax Rate

Submit

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	5.48	105,484	5,484

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	5,484	Short Term	1,645	3,839

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

Select Category

Select Period

Submit

Data as on - 08-10-2025

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	8.76	9.66	8.44	7.09	6.93	7.03
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	8.03	8.38	7.94	6.71	7.94	8.38
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	7.76	8.65	8.26	6.18	6.76	6.57
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	7.58	8.1	7.42	5.78	6.63	6.66
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	7.5	8.64	7.85	6.98	6.24	7.39
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	7.49	8.64	7.86	6.98	6.24	7.63
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	7.35	8.24	7.94	6.02	7.28	7.9
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	7.31	7.31	6.9	4.78	-	5.93
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	6.8	8.81	8.19	6.28	-	6.93
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	6.65	8.05	7.26	4.89	-	5.33
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	6.54	7.98	7.12	8.51	6.6	7.73
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	6.52	8.23	7.29	5.29	6.74	5.89
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	6.27	8.67	7.76	6.01	7.62	7.99
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	6.06	8.01	7.07	5.34	6.78	7.38
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	5.95	7.94	7.61	5.88	7.29	6.09
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	5.85	7.52	7.25	5.31	6.28	7.52
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	5.48	7.66	7.11	6.19	6.11	8.03
Union Dynamic Bond Fund - Growth Option	13-02-2012	5.35	7.59	7.06	4.78	5.83	6.42
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	5.22	6.64	6.03	5.22	-	5.83
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	4.93	6.93	6.41	-	-	5.51
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	4.9	8.15	7.74	5.66	6.92	6.84
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	4.02	6.73	6.23	4.45	5.96	6.8
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	3.24	7.78	7.05	4.88	6.78	7.51

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