FD Calculator - Fixed Deposit Calculator

Updated on February 22, 2026 , 21424 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 (%)	2024 (%)
DSP World Gold Fund Growth	₹66.5931 ↑ 2.21	₹1,975	500	52.1	92.7	172.7	62.5	31	167.1
DSP World Mining Fund Growth	₹33.0538 ↑ 0.78	₹181	500	47.9	74.1	101.7	25.4	19.6	79
DSP World Energy Fund Growth	₹27.0424 ↑ 0.07	₹103	500	24.6	29.9	54	15.8	12.9	39.2
Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Growth	₹24.5533 ↑ 0.21	₹191	1,000	23.5	37	51.6	20.6	5.8	41.1
Kotak Global Emerging Market Fund Growth	₹34.9 ↑ 0.17	₹539	1,000	21.5	29.3	47.4	20.9	7.6	39.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP World Gold Fund	DSP World Mining Fund	DSP World Energy Fund	Edelweiss Emerging Markets Opportunities Equity Off-shore Fund	Kotak Global Emerging Market Fund
Point 1	Highest AUM (₹1,975 Cr).	Bottom quartile AUM (₹181 Cr).	Bottom quartile AUM (₹103 Cr).	Lower mid AUM (₹191 Cr).	Upper mid AUM (₹539 Cr).
Point 2	Oldest track record among peers (18 yrs).	Established history (16+ yrs).	Established history (16+ yrs).	Established history (11+ yrs).	Established history (18+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 2★ (bottom quartile).	Rating: 3★ (lower 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: 31.02% (top quartile).	5Y return: 19.56% (upper mid).	5Y return: 12.90% (lower mid).	5Y return: 5.80% (bottom quartile).	5Y return: 7.60% (bottom quartile).
Point 6	3Y return: 62.48% (top quartile).	3Y return: 25.44% (upper mid).	3Y return: 15.78% (bottom quartile).	3Y return: 20.64% (bottom quartile).	3Y return: 20.94% (lower mid).
Point 7	1Y return: 172.70% (top quartile).	1Y return: 101.73% (upper mid).	1Y return: 53.96% (lower mid).	1Y return: 51.58% (bottom quartile).	1Y return: 47.40% (bottom quartile).
Point 8	Alpha: 2.12 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: -0.75 (bottom quartile).	Alpha: -1.44 (bottom quartile).
Point 9	Sharpe: 3.41 (top quartile).	Sharpe: 3.17 (upper mid).	Sharpe: 1.88 (bottom quartile).	Sharpe: 2.68 (lower mid).	Sharpe: 2.63 (bottom quartile).
Point 10	Information ratio: -0.47 (lower mid).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: -0.84 (bottom quartile).	Information ratio: -0.59 (bottom quartile).

DSP World Gold Fund

Highest AUM (₹1,975 Cr).
Oldest track record among peers (18 yrs).
Top rated.
Risk profile: High.
5Y return: 31.02% (top quartile).
3Y return: 62.48% (top quartile).
1Y return: 172.70% (top quartile).
Alpha: 2.12 (top quartile).
Sharpe: 3.41 (top quartile).
Information ratio: -0.47 (lower mid).

DSP World Mining Fund

Bottom quartile AUM (₹181 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 19.56% (upper mid).
3Y return: 25.44% (upper mid).
1Y return: 101.73% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 3.17 (upper mid).
Information ratio: 0.00 (top quartile).

DSP World Energy Fund

Bottom quartile AUM (₹103 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 12.90% (lower mid).
3Y return: 15.78% (bottom quartile).
1Y return: 53.96% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.88 (bottom quartile).
Information ratio: 0.00 (upper mid).

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Lower mid AUM (₹191 Cr).
Established history (11+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 5.80% (bottom quartile).
3Y return: 20.64% (bottom quartile).
1Y return: 51.58% (bottom quartile).
Alpha: -0.75 (bottom quartile).
Sharpe: 2.68 (lower mid).
Information ratio: -0.84 (bottom quartile).

Kotak Global Emerging Market Fund

Upper mid AUM (₹539 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 7.60% (bottom quartile).
3Y return: 20.94% (lower mid).
1Y return: 47.40% (bottom quartile).
Alpha: -1.44 (bottom quartile).
Sharpe: 2.63 (bottom quartile).
Information ratio: -0.59 (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. 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 (₹1,975 Cr).
Oldest track record among peers (18 yrs).
Top rated.
Risk profile: High.
5Y return: 31.02% (upper mid).
3Y return: 62.48% (upper mid).
1Y return: 172.70% (upper mid).
Alpha: 2.12 (upper mid).
Sharpe: 3.41 (upper mid).
Information ratio: -0.47 (bottom quartile).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding BGF World Gold I2 (~73.8%).
Top-3 holdings concentration ~100.8%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (23 Feb 26)	₹66.5931 ↑ 2.21 (3.43 %)
Net Assets (Cr)	₹1,975 on 31 Jan 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	3.41
Information Ratio	-0.47
Alpha Ratio	2.12
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 Jan 21	₹10,000
31 Jan 22	₹8,807
31 Jan 23	₹9,422
31 Jan 24	₹8,517
31 Jan 25	₹12,548
31 Jan 26	₹33,170

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹657,502.
Net Profit of ₹357,502 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 23 Feb 26

Duration	Returns
1 Month	1.6%
3 Month	52.1%
6 Month	92.7%
1 Year	172.7%
3 Year	62.5%
5 Year	31%
10 Year
15 Year
Since launch	10.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	167.1%
2023	15.9%
2022	7%
2021	-7.7%
2020	-9%
2019	31.4%
2018	35.1%
2017	-10.7%
2016	-4%
2015	52.7%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.93 Yr.

Data below for DSP World Gold Fund as on 31 Jan 26

Equity Sector Allocation

Sector	Value
Basic Materials	95.89%

Asset Allocation

Asset Class	Value
Cash	1.55%
Equity	95.89%
Debt	0.01%
Other	2.56%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	74%	₹1,458 Cr	1,177,658 ↓ -41,596
VanEck Gold Miners ETF - \| GDX	25%	₹497 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	2%	₹35 Cr
Net Receivables/Payables Net Current Assets \| -	1%	-₹15 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 (₹181 Cr).
Established history (16+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 19.56% (bottom quartile).
3Y return: 25.44% (bottom quartile).
1Y return: 101.73% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 3.17 (bottom quartile).
Information ratio: 0.00 (upper mid).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding BGF World Mining I2 (~99.3%).
Top-3 holdings concentration ~100.5%.

Below is the key information for DSP World Mining Fund

DSP World Mining Fund Growth
Launch Date	29 Dec 09
NAV (23 Feb 26)	₹33.0538 ↑ 0.78 (2.43 %)
Net Assets (Cr)	₹181 on 31 Jan 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.14
Sharpe Ratio	3.17
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
31 Jan 21	₹10,000
31 Jan 22	₹11,733
31 Jan 23	₹14,422
31 Jan 24	₹12,454
31 Jan 25	₹12,799
31 Jan 26	₹25,833

DSP World Mining Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 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 23 Feb 26

Duration	Returns
1 Month	3.6%
3 Month	47.9%
6 Month	74.1%
1 Year	101.7%
3 Year	25.4%
5 Year	19.6%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	79%
2023	-8.1%
2022	0%
2021	12.2%
2020	18%
2019	34.9%
2018	21.5%
2017	-9.4%
2016	21.1%
2015	49.7%

Fund Manager information for DSP World Mining Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.93 Yr.

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

Equity Sector Allocation

Sector	Value
Basic Materials	95.77%
Energy	1.05%

Asset Allocation

Asset Class	Value
Cash	3.15%
Equity	96.82%
Debt	0.02%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Mining I2 Investment Fund \| -	99%	₹180 Cr	149,227 ↓ -1,163
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹2 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.