Fixed Deposit vs Debt Funds

Fixed Deposit vs Debt Funds

Fixed Deposit
Debt Fund
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 3.98 103,981 3,981
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 3,981 Short Term 1,194 2,787

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 - 22-01-2026
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 7.97 8.63 8.14 6.84 6.96 6.95
ICICI Prudential All Seasons Bond Fund - Growth 01-05-2009 6.69 7.47 7.51 6.34 8.12 8.28
Mirae Asset Dynamic Bond Fund-Regular Plan Growth 05-03-2017 6.65 6.88 6.52 4.79 - 5.86
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option 05-11-2004 6.47 7.81 7.42 5.56 6.84 6.51
Axis Dynamic Bond Fund - Regular Plan - Growth Option 01-04-2011 6.34 7.48 7.18 5.61 7.33 7.79
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth 30-03-2009 6.25 7.59 7.35 6.65 6.32 7.29
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan 27-09-2004 6.24 7.59 7.35 6.65 6.32 7.55
JM Dynamic Bond Fund (Regular) - Growth Option 25-06-2003 5.95 7.13 6.83 5.57 6.4 6.59
UTI Dynamic Bond Fund - Regular Plan - Growth Option 23-06-2010 5.44 7.02 6.77 8.34 6.62 7.63
Quantum Dynamic Bond Fund - Regular Plan Growth Option 05-04-2017 5.17 7.19 7.18 5.94 - 6.69
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth 01-08-2018 5.09 6.76 6.45 4.58 - 5.09
Kotak Dynamic Bond Fund Regular Plan Growth 26-05-2008 5.07 7.03 7.02 5.39 7.47 7.85
SBI Dynamic Bond Fund - Regular Plan - Growth 10-02-2004 4.98 6.83 6.84 5.5 7.35 6.03
HSBC Dynamic Bond Fund - Regular Growth 01-01-2013 4.71 6.82 6.7 4.88 6.7 5.8
PGIM India Dynamic Bond Fund - Growth Option 12-01-2012 4.41 6.65 6.46 4.9 6.86 7.19
HDFC Dynamic Debt Fund - Growth Option 28-04-1997 3.98 6.28 6.45 5.76 6.18 7.95
ITI Dynamic Bond Fund - Regular Plan - Growth Option 14-07-2021 3.46 6.11 5.97 - - 5.27
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option 23-09-2004 3.38 5.89 6.18 4.75 6.21 7.38
DSP Strategic Bond Fund - Regular Plan - Growth 16-05-2007 3.17 6.55 7.02 5.08 6.81 6.7
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option 30-11-2018 3.01 5.02 5.12 4.46 - 5.5
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth 01-12-2008 2.88 6.28 6.31 4.53 6.83 7.4
Union Dynamic Bond Fund - Growth Option 13-02-2012 2.71 5.59 5.87 4.13 5.75 6.2
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option 29-05-2009 2.53 5.15 5.31 4.02 6.04 6.65