INVEST / MONTH		GROWS TO
₹5,000 for 25 years	→	₹94,88,000 at 12% p.a.*
₹5,000 for 20 years	→	₹49,96,000 at 12% p.a.*

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	0	-100,000	0.0
	100000	0	-100,000	0.0

Post Tax Return	Pre-tax Interest / Profit Amount	Capital Gains Tax	Indexed Amount	Income / Capital Gains Tax	Post Tax Interest / Profit Amount
Fixed Deposit	-100,000	Not Applicable	Not Applicable	0	-100,000
	-100,000	Short Term	Not Applicable	0	-100,000

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 - 08-10-2026

Scheme Name	Launch Date	Expense Ratio (%)	1-Year Ret (%)	2-Yrs Ret (%)	3-Yrs Ret (%)	5-Yrs Ret (%)	10-Yrs Ret (%)	Since Launch Ret (%)
BANDHAN Dynamic Term Fund - Regular Plan B - Growth	01-12-2008	1.65	5.75	4.48	7.1	5.3	6.38	7.41
Axis Dynamic Term Fund - Regular Plan - Growth Option	01-04-2011	0.65	4.89	6.12	7.11	5.84	6.72	7.71
SBI Dynamic Term Fund - Regular Plan - Growth	10-02-2004	1.37	4.25	5.09	6.7	5.96	6.62	6.01
Aditya Birla Sun Life Dynamic Term Fund - Regular Plan - Growth	27-09-2004	1.22	4.18	5.82	7.14	6.58	5.4	7.48
360 ONE Dynamic Term Fund - Regular Plan - Growth Option	24-06-2013	0.59	3.96	6.33	7.73	6.45	6.66	6.8
Kotak Dynamic Term Fund Regular Plan Growth	26-05-2008	1.3492	3.89	5.08	7.06	5.64	6.79	7.76
ICICI Prudential Dynamic Term Fund - Regular Plan - Growth	01-05-2009	1.32	3.65	5.82	6.78	6.17	7.04	8.1
UTI Dynamic Term Fund - Regular Plan - Growth Option	23-06-2010	1.69	3.51	5.01	6.47	6.81	5.87	7.47
Nippon India Dynamic Term Fund-Growth Plan-Growth Option	05-11-2004	0.74	3.47	5.59	6.9	5.7	5.95	6.43
Mahindra Manulife Dynamic Term Fund - Regular Plan - Growth	01-08-2018	1.53	2.75	4.68	6.26	4.75	-	5.01
HDFC Dynamic Term Fund - Regular Plan - Growth Option	28-04-1997	1.4	2.67	4.07	5.98	4.89	5.14	7.84
Mirae Asset Dynamic Term Fund-Regular Plan Growth	05-03-2017	0.99	2.62	4.94	5.73	4.67	-	5.57
JM Dynamic Term Fund - Regular Plan - Growth Option	25-06-2003	0.94	2.5	5.01	6.2	5.52	6.01	6.48
HSBC Dynamic Term Fund - Regular Growth	01-01-2013	0.83	2.04	4.26	6.14	5.09	5.76	5.7
Quantum Dynamic Term Fund - Regular Plan Growth Option	05-04-2017	1.01	1.78	4.26	6.42	5.72	-	6.38
Groww Dynamic Term Fund Regular Plan Growth Option	30-11-2018	1.36	1.54	3.37	4.92	4.27	-	5.27
PGIM India Dynamic Term Fund - Growth Option	12-01-2012	1.68	1.1	3.55	5.66	4.71	6.04	6.94
ITI Dynamic Term Fund - Regular Plan - Growth Option	14-07-2021	1.23	1.06	2.98	4.94	4.63	-	4.65
Baroda BNP Paribas Dynamic Term Fund - Regular Plan - Growth Option	23-09-2004	1.72	0.72	3.25	5.21	4.86	5.28	7.2
DSP Dynamic Term Fund - Regular Plan - Growth	16-05-2007	1.19	0.54	2.7	5.56	4.89	5.83	6.51
Canara Robeco Dynamic Term Fund - Regular Plan - Growth Option	29-05-2009	1.71	0.27	2.13	4.54	3.97	4.89	6.41
Union Dynamic Term Fund - Growth Option	13-02-2012	1.54	-0.55	2.36	4.81	3.87	4.82	5.93

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.