FD Calculator - Fixed Deposit Calculator

Updated on September 21, 2025 , 20988 views

Fixed Deposits are long-term investment tool which helps investors save money for the long term. Investors can choose a fixed tenure for which the deposit will be kept with the Bank. In general, FD investments are better for those looking for long-term wealth creation as they offer high interest rates as compared to savings accounts.

How is FD interest Calculated?

Interest on FD is compounded quarterly, in most banks. The formula for this is:

A = P * (1+ r/n) ^ n*t , where

I = A – P
A = Maturity value
P = Principal amount
r = rate of interest
t = Number of years
n = Compounded interest frequency
I = Interest earned amount

Benefits of FD

FD can be used as Collateral for taking loans. You can take up to 80-90% loans on your FD amount
The depositor can choose to transfer the amount at the time of maturity for a further Fixed Deposit.
The money can be deposited only once. Once deposited, withdrawal of money from the account will accrue a penalty.
FD schemes are good investment tools for those who have surplus funds and want to earn money from it.

Fixed Deposit (FD) Calculator

Investment Amount:₹100,000

Interest Earned:₹28,930.22

Maturity Amount: ₹128,930.22

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Tax Benefits on FD

Similar to other personal tax-saving and investment instruments, Fixed Deposits schemes also attract Taxes. A TDS of 10% is deducted on the returns accrued from an FD if the total interest exceeds Rs. 10,000 in a single financial year.

Let’s compare this to the SIP scheme and you can see that SIPs are more beneficial for the long term. Since long-term gains from equity are tax-free, any SIP which invests in ELSS (Equity Linked Mutual Funds) is also tax-free after one year.

*Below is the list of fund based on last 1 year performance & having fund age > 1 year.

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP World Gold Fund Growth	₹42.9199 ↑ 1.61	₹1,421	500	37.1	65.5	90.6	49.2	15.6	15.9
DSP World Mining Fund Growth	₹21.6841 ↑ 0.41	₹148	500	25.4	31.8	31.8	17.7	16.3	-8.1
DSP US Flexible Equity Fund Growth	₹71.0222 ↓ -0.17	₹1,000	500	15.7	29.4	29.5	23.2	19	17.8
Kotak Global Emerging Market Fund Growth	₹29.275 ↑ 0.13	₹116	1,000	17.2	25.2	28.4	16.7	9.8	5.9
Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Growth	₹19.4782 ↓ -0.02	₹137	1,000	14.9	22.9	28.2	15.9	6.4	5.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP World Gold Fund	DSP World Mining Fund	DSP US Flexible Equity Fund	Kotak Global Emerging Market Fund	Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
Point 1	Highest AUM (₹1,421 Cr).	Lower mid AUM (₹148 Cr).	Upper mid AUM (₹1,000 Cr).	Bottom quartile AUM (₹116 Cr).	Bottom quartile AUM (₹137 Cr).
Point 2	Oldest track record among peers (18 yrs).	Established history (15+ yrs).	Established history (13+ yrs).	Established history (18+ yrs).	Established history (11+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Top rated.	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 15.56% (lower mid).	5Y return: 16.30% (upper mid).	5Y return: 18.98% (top quartile).	5Y return: 9.78% (bottom quartile).	5Y return: 6.37% (bottom quartile).
Point 6	3Y return: 49.17% (top quartile).	3Y return: 17.67% (lower mid).	3Y return: 23.16% (upper mid).	3Y return: 16.71% (bottom quartile).	3Y return: 15.85% (bottom quartile).
Point 7	1Y return: 90.63% (top quartile).	1Y return: 31.82% (upper mid).	1Y return: 29.48% (lower mid).	1Y return: 28.42% (bottom quartile).	1Y return: 28.15% (bottom quartile).
Point 8	Alpha: 3.15 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -2.48 (bottom quartile).	Alpha: -1.03 (lower mid).	Alpha: -2.83 (bottom quartile).
Point 9	Sharpe: 1.80 (top quartile).	Sharpe: 0.73 (bottom quartile).	Sharpe: 0.77 (bottom quartile).	Sharpe: 1.08 (upper mid).	Sharpe: 0.94 (lower mid).
Point 10	Information ratio: -1.09 (bottom quartile).	Information ratio: 0.00 (top quartile).	Information ratio: -0.62 (lower mid).	Information ratio: -0.54 (upper mid).	Information ratio: -1.21 (bottom quartile).

DSP World Gold Fund

Highest AUM (₹1,421 Cr).
Oldest track record among peers (18 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 15.56% (lower mid).
3Y return: 49.17% (top quartile).
1Y return: 90.63% (top quartile).
Alpha: 3.15 (top quartile).
Sharpe: 1.80 (top quartile).
Information ratio: -1.09 (bottom quartile).

DSP World Mining Fund

Lower mid AUM (₹148 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 16.30% (upper mid).
3Y return: 17.67% (lower mid).
1Y return: 31.82% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.73 (bottom quartile).
Information ratio: 0.00 (top quartile).

DSP US Flexible Equity Fund

Upper mid AUM (₹1,000 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: High.
5Y return: 18.98% (top quartile).
3Y return: 23.16% (upper mid).
1Y return: 29.48% (lower mid).
Alpha: -2.48 (bottom quartile).
Sharpe: 0.77 (bottom quartile).
Information ratio: -0.62 (lower mid).

Kotak Global Emerging Market Fund

Bottom quartile AUM (₹116 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 9.78% (bottom quartile).
3Y return: 16.71% (bottom quartile).
1Y return: 28.42% (bottom quartile).
Alpha: -1.03 (lower mid).
Sharpe: 1.08 (upper mid).
Information ratio: -0.54 (upper mid).

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Bottom quartile AUM (₹137 Cr).
Established history (11+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 6.37% (bottom quartile).
3Y return: 15.85% (bottom quartile).
1Y return: 28.15% (bottom quartile).
Alpha: -2.83 (bottom quartile).
Sharpe: 0.94 (lower mid).
Information ratio: -1.21 (bottom quartile).

Top Funds for 2025

*Best funds based on 1 year performance.

1. DSP World Gold Fund

"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized."

Research Highlights for DSP World Gold Fund

Highest AUM (₹1,421 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 15.56% (bottom quartile).
3Y return: 49.17% (upper mid).
1Y return: 90.63% (upper mid).
Alpha: 3.15 (upper mid).
Sharpe: 1.80 (bottom quartile).
Information ratio: -1.09 (bottom quartile).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Gold I2 (~77.7%).
Top-3 holdings concentration ~100.1%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (22 Sep 25)	₹42.9199 ↑ 1.61 (3.90 %)
Net Assets (Cr)	₹1,421 on 31 Aug 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	1.8
Information Ratio	-1.09
Alpha Ratio	3.15
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹7,754
31 Aug 22	₹5,954
31 Aug 23	₹7,515
31 Aug 24	₹9,830
31 Aug 25	₹16,461

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for DSP World Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Sep 25

Duration	Returns
1 Month	24.2%
3 Month	37.1%
6 Month	65.5%
1 Year	90.6%
3 Year	49.2%
5 Year	15.6%
10 Year
15 Year
Since launch	8.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	15.9%
2023	7%
2022	-7.7%
2021	-9%
2020	31.4%
2019	35.1%
2018	-10.7%
2017	-4%
2016	52.7%
2015	-18.5%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.51 Yr.

Data below for DSP World Gold Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Basic Materials	95.27%

Asset Allocation

Asset Class	Value
Cash	1.87%
Equity	95.34%
Debt	0.01%
Other	2.79%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	78%	₹942 Cr	1,578,535 ↓ -32,363
VanEck Gold Miners ETF - \| GDX	21%	₹259 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹13 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹2 Cr

2. HDFC Long Term Advantage Fund

To generate long term capital appreciation from a portfolio that is predominantly in equity and equity related instruments

Research Highlights for HDFC Long Term Advantage Fund

Bottom quartile AUM (₹1,318 Cr).
Oldest track record among peers (24 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.39% (upper mid).
3Y return: 20.64% (bottom quartile).
1Y return: 35.51% (bottom quartile).
Alpha: 1.75 (bottom quartile).
Sharpe: 2.27 (upper mid).
Information ratio: -0.15 (upper mid).

Below is the key information for HDFC Long Term Advantage Fund

HDFC Long Term Advantage Fund Growth
Launch Date	2 Jan 01
NAV (14 Jan 22)	₹595.168 ↑ 0.28 (0.05 %)
Net Assets (Cr)	₹1,318 on 30 Nov 21
Category	Equity - ELSS
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.25
Sharpe Ratio	2.27
Information Ratio	-0.15
Alpha Ratio	1.75
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹15,833

HDFC Long Term Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Purchase not allowed

Returns for HDFC Long Term Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Sep 25

Duration	Returns
1 Month	4.4%
3 Month	1.2%
6 Month	15.4%
1 Year	35.5%
3 Year	20.6%
5 Year	17.4%
10 Year
15 Year
Since launch	21.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for HDFC Long Term Advantage Fund

Name	Since	Tenure

Data below for HDFC Long Term Advantage Fund as on 30 Nov 21

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.