FD Calculator - Fixed Deposit Calculator

Updated on October 12, 2026 , 22151 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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Fund Selection Methodology used to find 5 funds

Category: Equity
Investment Option: SIP
Minimum fund age: 1 year
Sorted On : 1-year return (high to low)
No Of Funds: 5

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 (%)	2025 (%)
Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Growth	₹27.7546 ↓ -0.75	₹275	1,000	-0.7	10.7	39.7	27.9	10.3	41.1
DSP World Mining Fund Growth	₹32.1829 ↓ -0.40	₹195	500	7.8	-2.7	38.8	29.5	18.3	79
DSP US Flexible Equity Fund Growth	₹94.0675 ↓ -1.28	₹1,270	500	0.1	14.4	31.6	27.9	18.4	33.8
Nippon India Japan Equity Fund Growth	₹28.1045 ↓ -0.02	₹353	100	1.6	12.8	29.1	21.5	9.9	19.8
Kotak Global Emerging Market Fund Growth	₹38.256 ↓ -1.79	₹1,730	1,000	-0.9	9.4	29	25.1	10.8	39.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 Oct 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Edelweiss Emerging Markets Opportunities Equity Off-shore Fund	DSP World Mining Fund	DSP US Flexible Equity Fund	Nippon India Japan Equity Fund	Kotak Global Emerging Market Fund
Point 1	Bottom quartile AUM (₹275 Cr).	Bottom quartile AUM (₹195 Cr).	Upper mid AUM (₹1,270 Cr).	Lower mid AUM (₹353 Cr).	Highest AUM (₹1,730 Cr).
Point 2	Established history (12+ yrs).	Established history (16+ yrs).	Established history (14+ yrs).	Established history (12+ yrs).	Oldest track record among peers (19 yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).	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: 10.34% (bottom quartile).	5Y return: 18.31% (upper mid).	5Y return: 18.45% (top quartile).	5Y return: 9.93% (bottom quartile).	5Y return: 10.77% (lower mid).
Point 6	3Y return: 27.88% (upper mid).	3Y return: 29.46% (top quartile).	3Y return: 27.87% (lower mid).	3Y return: 21.54% (bottom quartile).	3Y return: 25.09% (bottom quartile).
Point 7	1Y return: 39.72% (top quartile).	1Y return: 38.82% (upper mid).	1Y return: 31.55% (lower mid).	1Y return: 29.10% (bottom quartile).	1Y return: 29.00% (bottom quartile).
Point 8	Alpha: 4.19 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -7.01 (bottom quartile).	Alpha: -4.23 (lower mid).	Alpha: -6.20 (bottom quartile).
Point 9	Sharpe: 1.80 (top quartile).	Sharpe: 1.76 (upper mid).	Sharpe: 1.42 (lower mid).	Sharpe: 1.34 (bottom quartile).	Sharpe: 1.39 (bottom quartile).
Point 10	Information ratio: -0.37 (lower mid).	Information ratio: 0.00 (top quartile).	Information ratio: -0.07 (upper mid).	Information ratio: -1.01 (bottom quartile).	Information ratio: -0.83 (bottom quartile).

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Bottom quartile AUM (₹275 Cr).
Established history (12+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 10.34% (bottom quartile).
3Y return: 27.88% (upper mid).
1Y return: 39.72% (top quartile).
Alpha: 4.19 (top quartile).
Sharpe: 1.80 (top quartile).
Information ratio: -0.37 (lower mid).

DSP World Mining Fund

Bottom quartile AUM (₹195 Cr).
Established history (16+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 18.31% (upper mid).
3Y return: 29.46% (top quartile).
1Y return: 38.82% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 1.76 (upper mid).
Information ratio: 0.00 (top quartile).

DSP US Flexible Equity Fund

Upper mid AUM (₹1,270 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: High.
5Y return: 18.45% (top quartile).
3Y return: 27.87% (lower mid).
1Y return: 31.55% (lower mid).
Alpha: -7.01 (bottom quartile).
Sharpe: 1.42 (lower mid).
Information ratio: -0.07 (upper mid).

Nippon India Japan Equity Fund

Lower mid AUM (₹353 Cr).
Established history (12+ yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 9.93% (bottom quartile).
3Y return: 21.54% (bottom quartile).
1Y return: 29.10% (bottom quartile).
Alpha: -4.23 (lower mid).
Sharpe: 1.34 (bottom quartile).
Information ratio: -1.01 (bottom quartile).

Kotak Global Emerging Market Fund

Highest AUM (₹1,730 Cr).
Oldest track record among peers (19 yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 10.77% (lower mid).
3Y return: 25.09% (bottom quartile).
1Y return: 29.00% (bottom quartile).
Alpha: -6.20 (bottom quartile).
Sharpe: 1.39 (bottom quartile).
Information ratio: -0.83 (bottom quartile).

About the Fincash Research Team

At Fincash, our mission is to help investors make informed, confident decisions. With over 10 years in Mutual Fund distribution, our team blends deep industry expertise with a commitment to transparency, accuracy, and investor education.

Who We Are

AMFI Registration No.: 112358
MCA CIN: U74999MH2016PTC282153
Location: Thane, Maharashtra, India
Experience: 10+ years in Mutual Fund distribution

Our Expertise

Certified Mutual Fund Distributors with hands-on advisory experience.
Market analysts tracking performance, macro trends, and sectors.
Data specialists processing NAVs, allocations, and risk metrics from Morning Star.

Our Research Process

Data sourcing: SEBI-registered fund houses & verified third-party provider Morning Star
Screening: Returns, manager track record, expenses, sector mix, risk-adjusted metrics.
Expert review: Senior team members review every article and list for accuracy.
Updates: Regular refreshes so performance data reflects current market conditions.

Why Trust Us

Regulated & compliant: AMFI-registered and MCA-incorporated.
Investor-first: No pay-to-promote lists; suitability and performance drive coverage.
Education-focused: We simplify complex concepts for everyday investors.

Disclaimer

Content is for educational and informational purposes only and is not investment advice. Please consider your risk profile and consult a financial advisor before investing.

Top Funds for 2026

*Best funds based on 1 year performance.

1. Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

The primary investment objective of the Scheme is to seek to provide long term capital growth by investing predominantly in the JPMorgan Funds - Emerging Markets Opportunities Fund, an equity fund which invests primarily in an aggressively managed portfolio of emerging market companies

Research Highlights for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Highest AUM (₹275 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: High.
5Y return: 10.34% (bottom quartile).
3Y return: 27.88% (bottom quartile).
1Y return: 39.72% (upper mid).
Alpha: 4.19 (upper mid).
Sharpe: 1.80 (upper mid).
Information ratio: -0.37 (bottom quartile).
Top sector: Technology.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding JPM Emerging Mkts Opps I acc USD (~96.0%).
Top-3 holdings concentration ~100.3%.

Below is the key information for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Growth
Launch Date	7 Jul 14
NAV (13 Oct 26)	₹27.7546 ↓ -0.75 (-2.64 %)
Net Assets (Cr)	₹275 on 31 Aug 26
Category	Equity - Global
AMC	Edelweiss Asset Management Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.44
Sharpe Ratio	1.8
Information Ratio	-0.37
Alpha Ratio	4.19
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹7,237
30 Sep 23	₹7,991
30 Sep 24	₹9,608
30 Sep 25	₹11,929
30 Sep 26	₹17,049

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578 Invest Now

Returns for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Oct 26

Duration	Returns
1 Month	-2.6%
3 Month	-0.7%
6 Month	10.7%
1 Year	39.7%
3 Year	27.9%
5 Year	10.3%
10 Year
15 Year
Since launch	8.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	41.1%
2024	5.9%
2023	5.5%
2022	-16.8%
2021	-5.9%
2020	21.7%
2019	25.1%
2018	-7.2%
2017	30%
2016	9.8%

Fund Manager information for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Name	Since	Tenure
Bhavesh Jain	9 Apr 18	8.4 Yr.
Bharat Lahoti	1 Oct 21	4.92 Yr.

Data below for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund as on 31 Aug 26

Equity Sector Allocation

Sector	Value
Technology	36.75%
Financial Services	23.82%
Consumer Cyclical	9.38%
Communication Services	6.79%
Industrials	6.01%
Energy	3.77%
Basic Materials	2.33%
Consumer Defensive	2.2%
Utility	2%
Health Care	0.51%

Asset Allocation

Asset Class	Value
Cash	5.17%
Equity	94.83%
Debt	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
JPM Emerging Mkts Opps I acc USD Investment Fund \| -	96%	₹264 Cr	114,732 ↑ 2,676
Clearing Corporation Of India Ltd. CBLO/Reverse Repo \| -	4%	₹11 Cr
Net Receivables/(Payables) CBLO \| -	0%	₹0 Cr
Accrued Interest CBLO \| -	0%	₹0 Cr

2. DSP World Mining Fund

The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in the units of BlackRock Global Funds – World Mining Fund. 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 money market/liquid schemes of DSP BlackRock Mutual Fund, in order to meet liquidity requirements from time to time.

Research Highlights for DSP World Mining Fund

Bottom quartile AUM (₹195 Cr).
Oldest track record among peers (16 yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 18.31% (upper mid).
3Y return: 29.46% (upper mid).
1Y return: 38.82% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.76 (bottom quartile).
Information ratio: 0.00 (upper mid).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Mining I2 (~96.2%).
Top-3 holdings concentration ~100.3%.

Below is the key information for DSP World Mining Fund

DSP World Mining Fund Growth
Launch Date	29 Dec 09
NAV (13 Oct 26)	₹32.1829 ↓ -0.40 (-1.22 %)
Net Assets (Cr)	₹195 on 31 Aug 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.14
Sharpe Ratio	1.76
Information Ratio	0
Alpha Ratio	0
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
30 Sep 21	₹10,000
30 Sep 22	₹10,135
30 Sep 23	₹11,850
30 Sep 24	₹13,690
30 Sep 25	₹17,513
30 Sep 26	₹25,041

DSP World Mining Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 Invest Now

Returns for DSP World Mining Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 13 Oct 26

Duration	Returns
1 Month	-7.8%
3 Month	7.8%
6 Month	-2.7%
1 Year	38.8%
3 Year	29.5%
5 Year	18.3%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	79%
2024	-8.1%
2023	0%
2022	12.2%
2021	18%
2020	34.9%
2019	21.5%
2018	-9.4%
2017	21.1%
2016	49.7%

Fund Manager information for DSP World Mining Fund

Name	Since	Tenure
Kaivalya Nadkarni	1 May 25	1.34 Yr.

Data below for DSP World Mining Fund as on 31 Aug 26

Equity Sector Allocation

Sector	Value
Basic Materials	94.51%
Energy	0.85%

Asset Allocation

Asset Class	Value
Cash	4.64%
Equity	95.36%
Debt	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Mining I2 Investment Fund \| -	96%	₹187 Cr	139,088 ↓ -1,946
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	4%	₹8 Cr
Net Receivables/Payables Net Current Assets \| -	0%	₹0 Cr

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.