FD Calculator - Fixed Deposit Calculator

Updated on November 4, 2026 , 22215 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 (%)
DSP World Mining Fund Growth	₹29.8467 ↓ -0.11	₹176	500	-8.8	-6.7	35.9	26.2	16.9	79
DSP World Gold Fund Growth	₹55.8025 ↑ 1.32	₹1,665	500	2.6	-2	35.4	50.6	26.5	167.1
Invesco India Feeder- Invesco Pan European Equity Fund Growth	₹26.1101 ↑ 0.09	₹235	500	-4.2	4.9	29.1	21.1	13.9	42.5
Baroda Pioneer Mid-Cap Fund Growth	₹16.5124 ↑ 0.15	₹97	500	-8.1	0.1	26.2	22.5	15.9
Invesco India Feeder- Invesco Global Equity Income Fund Growth	₹39.3239 ↑ 0.71	₹329	500	-0.1	8.2	26.2	25	16.7	23.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 5 Nov 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP World Mining Fund	DSP World Gold Fund	Invesco India Feeder- Invesco Pan European Equity Fund	Baroda Pioneer Mid-Cap Fund	Invesco India Feeder- Invesco Global Equity Income Fund
Point 1	Bottom quartile AUM (₹176 Cr).	Highest AUM (₹1,665 Cr).	Lower mid AUM (₹235 Cr).	Bottom quartile AUM (₹97 Cr).	Upper mid AUM (₹329 Cr).
Point 2	Established history (16+ yrs).	Oldest track record among peers (19 yrs).	Established history (12+ yrs).	Established history (16+ yrs).	Established history (12+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 1★ (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: 16.93% (upper mid).	5Y return: 26.49% (top quartile).	5Y return: 13.93% (bottom quartile).	5Y return: 15.89% (bottom quartile).	5Y return: 16.68% (lower mid).
Point 6	3Y return: 26.25% (upper mid).	3Y return: 50.55% (top quartile).	3Y return: 21.14% (bottom quartile).	3Y return: 22.51% (bottom quartile).	3Y return: 25.02% (lower mid).
Point 7	1Y return: 35.95% (top quartile).	1Y return: 35.45% (upper mid).	1Y return: 29.13% (lower mid).	1Y return: 26.24% (bottom quartile).	1Y return: 26.18% (bottom quartile).
Point 8	Alpha: 0.00 (upper mid).	Alpha: 4.06 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: 1.05 (lower mid).	Sharpe: 0.67 (bottom quartile).	Sharpe: 1.29 (upper mid).	Sharpe: 3.23 (top quartile).	Sharpe: 0.64 (bottom quartile).
Point 10	Information ratio: 0.00 (top quartile).	Information ratio: -0.80 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).

DSP World Mining Fund

Bottom quartile AUM (₹176 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 16.93% (upper mid).
3Y return: 26.25% (upper mid).
1Y return: 35.95% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.05 (lower mid).
Information ratio: 0.00 (top quartile).

DSP World Gold Fund

Highest AUM (₹1,665 Cr).
Oldest track record among peers (19 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 26.49% (top quartile).
3Y return: 50.55% (top quartile).
1Y return: 35.45% (upper mid).
Alpha: 4.06 (top quartile).
Sharpe: 0.67 (bottom quartile).
Information ratio: -0.80 (bottom quartile).

Invesco India Feeder- Invesco Pan European Equity Fund

Lower mid AUM (₹235 Cr).
Established history (12+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 13.93% (bottom quartile).
3Y return: 21.14% (bottom quartile).
1Y return: 29.13% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.29 (upper mid).
Information ratio: 0.00 (upper mid).

Baroda Pioneer Mid-Cap Fund

Bottom quartile AUM (₹97 Cr).
Established history (16+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: High.
5Y return: 15.89% (bottom quartile).
3Y return: 22.51% (bottom quartile).
1Y return: 26.24% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 3.23 (top quartile).
Information ratio: 0.00 (lower mid).

Invesco India Feeder- Invesco Global Equity Income Fund

Upper mid AUM (₹329 Cr).
Established history (12+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 16.68% (lower mid).
3Y return: 25.02% (lower mid).
1Y return: 26.18% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.64 (bottom quartile).
Information ratio: 0.00 (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 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 (₹176 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 16.93% (bottom quartile).
3Y return: 26.25% (upper mid).
1Y return: 35.95% (upper mid).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.05 (bottom quartile).
Information ratio: 0.00 (upper mid).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding BGF World Mining I2 (~97.2%).
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 (05 Nov 26)	₹29.8467 ↓ -0.11 (-0.38 %)
Net Assets (Cr)	₹176 on 30 Sep 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.14
Sharpe Ratio	1.05
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 Oct 21	₹10,000
31 Oct 22	₹9,981
31 Oct 23	₹10,267
31 Oct 24	₹12,008
31 Oct 25	₹16,345
31 Oct 26	₹21,095

DSP World Mining Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 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 5 Nov 26

Duration	Returns
1 Month	-8%
3 Month	-8.8%
6 Month	-6.7%
1 Year	35.9%
3 Year	26.2%
5 Year	16.9%
10 Year
15 Year
Since launch	6.7%

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	1.42 Yr.

Data below for DSP World Mining Fund as on 30 Sep 26

Equity Sector Allocation

Sector	Value
Basic Materials	95.46%
Energy	0.85%

Asset Allocation

Asset Class	Value
Cash	3.68%
Equity	96.32%
Debt	0.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Mining I2 Investment Fund \| -	97%	₹171 Cr	139,088
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	3%	₹5 Cr
Net Receivables/Payables Net Current Assets \| -	0%	₹0 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

Highest AUM (₹1,318 Cr).
Oldest track record among peers (25 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 (upper mid).
Sharpe: 2.27 (upper mid).
Information ratio: -0.15 (bottom quartile).

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

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 5 Nov 26

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
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

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.