HDFC Dynamic Debt Fund - Growth Option vs UTI Dynamic Bond Fund
Dynamic Bond · Direct Plan – Growth · Compared on official AMFI NAV data · NAVs as of 13-Jul-2026
| Metric | HDFC Dynamic Debt Fund - Growth Option | UTI Dynamic Bond Fund |
|---|---|---|
| Latest NAV | ₹103.64 | ₹35.47 |
| 1-Year Return | +4.95% | +5.18% |
| 3-Year Return (CAGR) | +7.33% | +7.66% |
| 5-Year Return (CAGR) | N/A | N/A |
| Volatility (1Y, annualised) | 2.9% | 1.7% |
| Max Drawdown | −2.6% | −1.6% |
| Fund House | HDFC Mutual Fund | UTI Mutual Fund |
Growth of ₹10,000
If you had invested ₹10,000 in each fund
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HDFC Dynamic Debt Fund - Growth Option vs UTI Dynamic Bond Fund: which is better?
HDFC Dynamic Debt Fund - Growth Option and UTI Dynamic Bond Fund are both dynamic bond mutual funds (direct plan, growth option). This comparison uses each fund's official AMFI NAV history — the same daily data the fund houses publish — to compare returns, volatility and drawdowns side by side.
On 3-year returns (annualised), UTI Dynamic Bond Fund leads with +7.66% against +7.33% — a gap of about 0.32 percentage points per year over that period.
UTI Dynamic Bond Fund has been the steadier fund over the past year, with annualised volatility of 1.7% versus 2.9%. Looking at worst falls, HDFC Dynamic Debt Fund - Growth Option's deepest drawdown in the stored history is −2.6% against −1.6% for UTI Dynamic Bond Fund.
Which fund suits you depends on your horizon and appetite for swings: the higher-return fund is only the better pick if you can hold through its rougher months. Use the ₹10,000 growth chart above to see how each fund actually behaved through market cycles, and consider consulting a SEBI-registered adviser before investing. This comparison is informational, not investment advice.
Key takeaways
- UTI Dynamic Bond Fund has delivered higher 3-year returns (+7.66% vs +7.33%).
- UTI Dynamic Bond Fund has shown lower volatility over the trailing year.
- UTI Dynamic Bond Fund has had the shallower maximum drawdown (−1.6%).
Frequently Asked Questions
Which fund has given higher returns — HDFC Dynamic Debt Fund - Growth Option or UTI Dynamic Bond Fund?
Over the past 3 year period, UTI Dynamic Bond Fund has delivered higher returns: +7.66% versus +7.33% annualised. Past performance does not guarantee future results.
Which fund is less risky — HDFC Dynamic Debt Fund - Growth Option or UTI Dynamic Bond Fund?
Based on the trailing year, UTI Dynamic Bond Fund has shown lower day-to-day volatility (HDFC Dynamic Debt Fund - Growth Option: 2.9%, UTI Dynamic Bond Fund: 1.7% annualised). Volatility and drawdowns describe past behaviour, not future safety — both funds carry the market risk of their category.
Can I invest in both HDFC Dynamic Debt Fund - Growth Option and UTI Dynamic Bond Fund?
Yes — many investors split a SIP across two funds. If both funds are from the same category, remember they will hold overlapping stocks, so diversification benefits may be smaller than they appear. Check each scheme's portfolio before doubling up within one category.
More Dynamic Bond comparisons
Returns, volatility and drawdowns are computed from official AMFI NAV history for direct-growth plans and may differ slightly from fund-house factsheets due to date conventions. Mutual fund investments are subject to market risks. This comparison is for informational purposes only — not investment advice.