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	4.91	104,909	4,909

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	4,909	Short Term	1,473	3,436

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 - 31-10-2025

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	8.46	9.59	8.34	6.92	6.99	7.01
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	7.72	8.78	8.18	5.59	6.8	6.56
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	7.71	8.04	7.43	5.69	6.6	6.66
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	7.67	8.13	7.82	6.44	7.97	8.35
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	7.41	8.26	7.77	5.6	7.3	7.88
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	7.3	8.48	7.75	6.84	6.25	7.61
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	7.3	8.47	7.74	6.83	6.24	7.36
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	7.19	7.37	6.86	4.69	-	5.92
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	6.62	8.55	7.99	6.11	-	6.87
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	6.49	7.88	7.1	4.74	-	5.27
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	6.49	7.92	7.09	8.31	6.61	7.71
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	6.18	7.93	7.07	5.01	6.73	5.86
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	6.06	7.81	7.53	5.54	7.34	6.08
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	5.73	8.27	7.44	5.57	7.59	7.93
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	5.72	7.72	6.88	5.04	6.78	7.32
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	5.34	7.2	6.93	4.97	6.25	7.48
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	5.02	7.31	6.87	5.95	6.08	8.0
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	4.89	6.8	6.35	-	-	5.46
Union Dynamic Bond Fund - Growth Option	13-02-2012	4.57	7.09	6.69	4.32	5.78	6.34
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	4.56	7.83	7.54	5.28	6.9	6.8
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	4.49	6.19	5.73	4.71	-	5.7
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	3.92	6.48	6.02	4.19	5.97	6.76
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	3.24	7.57	6.86	4.57	6.79	7.47

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