Debt Funds vs Fixed Deposit

Debt Mutual Funds Vs Fixed Deposits

Fixed Deposit

Deposit Amount

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End Date

Debt Fund

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Income Tax Rate

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Pre-Tax Return	Investment Amount	Redeemed / Maturity Amount	Total Interest / Profit Amount	Annual Interest / Return (%)
Fixed Deposit	100000	106,975	6,975	6.98
HDFC Dynamic Debt Fund - Growth Option	100000	108,131	8,131	8.13

Post Tax Return	Pre-tax Interest / Profit Amount	Capital Gains Tax	Indexed Amount	Income / Capital Gains Tax	Post Tax Interest / Profit Amount
Fixed Deposit	6,975	Not Applicable	Not Applicable	2,093	4,883
HDFC Dynamic Debt Fund - Growth Option	8,131	Short Term	Not Applicable	2,439	5,692

Note:

1. The Fixed deposit interest rate is based on historical State Bank of India Fixed deposit rates for different deposit terms.

2. Short Term in case of debt funds is defined as less than or equal to 3 years.

3. Long Term in case of debt funds is defined as more than 3 years.

4. Short term gain formula:

Short term capital gain = Amount realised - Amount invested

Short term capital gain tax = Short term capital gain * Tax rate of the investor

5. Long term gain formula:

Indexed cost of acquisition = Amount invested * (Index in Year of redemption / Index in year of investment)

Long term capital gain = Amount realised - Indexed Cost of Acquisition

Long term capital gain tax = Long term capital gain (post indexation) @ 20%

Top Performing Debt Mutual Funds

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Data as on - 14-07-2025

Scheme Name	Launch Date	Expense Ratio (%)	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	0.52	10.46	9.1	8.28	7.02	7.21	7.05
Nippon India Dynamic Bond Fund-Growth Plan-Growth Option	05-11-2004	0.75	10.16	8.61	8.37	5.78	7.14	6.63
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Regular Plan	27-09-2004	1.23	9.68	8.43	8.03	7.04	6.55	7.68
Aditya Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	30-03-2009	1.23	9.68	8.42	8.02	7.03	6.55	7.45
JM Dynamic Bond Fund (Regular) - Growth Option	25-06-2003	0.98	9.63	8.12	7.46	5.76	6.77	6.71
Axis Dynamic Bond Fund - Regular Plan - Growth Option	01-04-2011	0.63	9.51	8.15	7.98	5.73	7.6	7.98
ICICI Prudential All Seasons Bond Fund - Growth	01-05-2009	1.29	9.51	8.44	8.32	6.7	8.31	8.44
UTI Dynamic Bond Fund - Regular Plan - Growth Option	23-06-2010	1.53	9.14	8.08	7.42	8.36	7.01	7.84
Quantum Dynamic Bond Fund - Regular Plan Growth Option	05-04-2017	0.96	9.05	8.6	8.31	6.4	-	7.06
HSBC Dynamic Bond Fund - Regular Growth	01-01-2013	0.78	8.91	8.19	7.41	5.23	7.12	5.94
Kotak Dynamic Bond Fund Regular Plan Growth	26-05-2008	1.33	8.66	8.35	7.77	5.86	7.94	8.04
Mahindra Manulife Dynamic Bond Fund - Regular Plan - Growth	01-08-2018	1.57	8.41	7.68	7.19	4.93	-	5.39
PGIM India Dynamic Bond Fund - Growth Option	12-01-2012	1.64	8.39	7.93	7.16	5.3	7.12	7.47
Union Dynamic Bond Fund - Growth Option	13-02-2012	1.55	8.24	7.61	7.19	4.74	6.22	6.55
HDFC Dynamic Debt Fund - Growth Option	28-04-1997	1.52	8.22	7.88	7.49	6.33	6.51	8.1
SBI Dynamic Bond Fund - Regular Plan - Growth	10-02-2004	1.42	8.21	7.76	8.0	5.66	7.68	6.13
Baroda BNP Paribas Dynamic Bond Fund - Regular Plan - Growth Option	23-09-2004	1.7	8.17	7.53	7.75	5.24	6.64	7.6
ITI Dynamic Bond Fund - Regular Plan - Growth Option	14-07-2021	1.19	8.09	7.63	6.92	-	-	5.98
Mirae Asset Dynamic Bond Fund-Regular Plan Growth	05-03-2017	1.02	8.06	7.1	6.69	4.54	-	5.96
DSP Strategic Bond Fund - Regular Plan - Growth	16-05-2007	1.2	7.92	8.19	7.86	5.59	7.31	6.93
Groww Dynamic Bond Fund (formerly known as Indiabulls Dynamic Bond Fund) - Regular Plan - Growth option	30-11-2018	1.25	7.3	6.51	6.24	5.03	-	5.99
Canara Robeco Dynamic Bond Fund - Regular Plan - Growth Option	29-05-2009	1.75	6.9	6.78	6.59	4.51	6.41	6.93
BANDHAN Dynamic Bond Fund - Regular Plan B - Growth	01-12-2008	1.57	6.53	7.69	7.2	4.93	7.25	7.64

Disclaimer : We have gathered all the data, information, statistics from the sources believed to be highly reliable and true. All necessary precautions have been taken to avoid any error, lapse or insufficiency; however, no representations or warranties are made (express or implied) as to the reliability, accuracy or completeness of such information. We cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken in on, any information appearing herein. The user is advised to verify the contents of the report independently.

Returns less than 1 year are in absolute (%) and greater than 1 year are compounded annualised (CAGR %). SIP returns are shown in XIRR (%).

The Risk Level of any of the schemes must always be commensurate with the risk profile, investment objective or financial goals of the investor concerned. Mutual Fund Distributors (MFDs) or Registered Investment Advisors (RIAs) should assess the risk profile and investment needs of individual investors into consideration and make scheme(s) or asset allocation recommendations accordingly.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance may or may not be sustained in the future. Investors should always invest according to their risk profile and consult with their mutual fund distributors or financial advisor before investing.