+91-22-48913909FD Calculator - Fixed Deposit Calculator
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.
Investment Amount:₹100,000 Interest Earned:₹28,930.22 Maturity Amount: ₹128,930.22Fixed Deposit (FD) Calculator
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Fund Selection Methodology used to find 5 funds
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 Mining Fund Growth ₹29.6414
↓ -0.03 ₹187 500 -3.1 10.4 73.1 23.4 15.2 79 Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Growth ₹28.7631
↑ 0.55 ₹250 1,000 24.9 35.5 67.1 27.6 9.6 41.1 DSP World Gold Fund Growth ₹49.2738
↓ -0.22 ₹1,679 500 -15 -7.5 64.8 43.9 22.6 167.1 DSP World Energy Fund Growth ₹29.9398
↑ 0.46 ₹122 500 12.4 26.1 61.7 18.1 12.6 39.2 Kotak Global Emerging Market Fund Growth ₹40.823
↑ 0.78 ₹1,793 1,000 26.6 32.6 61.2 27.6 11 39.1 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Jun 26 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Mining Fund Edelweiss Emerging Markets Opportunities Equity Off-shore Fund DSP World Gold Fund DSP World Energy Fund Kotak Global Emerging Market Fund Point 1 Bottom quartile AUM (₹187 Cr). Lower mid AUM (₹250 Cr). Upper mid AUM (₹1,679 Cr). Bottom quartile AUM (₹122 Cr). Highest AUM (₹1,793 Cr). Point 2 Established history (16+ yrs). Established history (11+ yrs). Oldest track record among peers (18 yrs). Established history (16+ yrs). Established history (18+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 2★ (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: 15.25% (upper mid). 5Y return: 9.56% (bottom quartile). 5Y return: 22.60% (top quartile). 5Y return: 12.59% (lower mid). 5Y return: 11.04% (bottom quartile). Point 6 3Y return: 23.42% (bottom quartile). 3Y return: 27.55% (lower mid). 3Y return: 43.90% (top quartile). 3Y return: 18.12% (bottom quartile). 3Y return: 27.57% (upper mid). Point 7 1Y return: 73.07% (top quartile). 1Y return: 67.11% (upper mid). 1Y return: 64.76% (lower mid). 1Y return: 61.72% (bottom quartile). 1Y return: 61.23% (bottom quartile). Point 8 Alpha: 0.00 (upper mid). Alpha: 5.56 (top quartile). Alpha: -0.46 (bottom quartile). Alpha: 0.00 (lower mid). Alpha: -1.76 (bottom quartile). Point 9 Sharpe: 2.76 (upper mid). Sharpe: 2.62 (lower mid). Sharpe: 1.77 (bottom quartile). Sharpe: 4.00 (top quartile). Sharpe: 2.29 (bottom quartile). Point 10 Information ratio: 0.00 (top quartile). Information ratio: -0.40 (bottom quartile). Information ratio: -0.78 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: -0.25 (lower mid). DSP World Mining Fund
Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
DSP World Gold Fund
DSP World Energy Fund
Kotak Global Emerging Market Fund
Top Funds for 2026
*Best funds based on 1 year performance.
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. Below is the key information for DSP World Mining Fund Returns up to 1 year are on 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 Below is the key information for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Returns up to 1 year are on 1. DSP World Mining Fund
DSP World Mining Fund
Growth Launch Date 29 Dec 09 NAV (30 Jun 26) ₹29.6414 ↓ -0.03 (-0.09 %) Net Assets (Cr) ₹187 on 31 May 26 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.14 Sharpe Ratio 2.76 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 Jun 21 ₹10,000 30 Jun 22 ₹9,282 30 Jun 23 ₹10,814 30 Jun 24 ₹11,032 30 Jun 25 ₹11,747 30 Jun 26 ₹20,331 Returns for DSP World Mining Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jun 26 Duration Returns 1 Month -12.1% 3 Month -3.1% 6 Month 10.4% 1 Year 73.1% 3 Year 23.4% 5 Year 15.2% 10 Year 15 Year Since launch 6.8% 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 Kaivalya Nadkarni 1 May 25 1.08 Yr. Data below for DSP World Mining Fund as on 31 May 26
Equity Sector Allocation
Sector Value Basic Materials 92.54% Energy 1.1% Asset Allocation
Asset Class Value Cash 6.34% Equity 93.64% Debt 0.02% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Mining I2
Investment Fund | -96% ₹170 Cr 141,035
↓ -2,102 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -4% ₹8 Cr Net Receivables/Payables
Net Current Assets | -0% ₹0 Cr 2. Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
Growth Launch Date 7 Jul 14 NAV (30 Jun 26) ₹28.7631 ↑ 0.55 (1.96 %) Net Assets (Cr) ₹250 on 31 May 26 Category Equity - Global AMC Edelweiss Asset Management Limited Rating ☆☆☆ Risk High Expense Ratio 1.04 Sharpe Ratio 2.62 Information Ratio -0.4 Alpha Ratio 5.56 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 Jun 21 ₹10,000 30 Jun 22 ₹7,234 30 Jun 23 ₹7,605 30 Jun 24 ₹8,447 30 Jun 25 ₹9,445 30 Jun 26 ₹15,783 Returns for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Jun 26 Duration Returns 1 Month -1% 3 Month 24.9% 6 Month 35.5% 1 Year 67.1% 3 Year 27.6% 5 Year 9.6% 10 Year 15 Year Since launch 9.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 41.1% 2023 5.9% 2022 5.5% 2021 -16.8% 2020 -5.9% 2019 21.7% 2018 25.1% 2017 -7.2% 2016 30% 2015 9.8% Fund Manager information for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
Name Since Tenure Bhavesh Jain 9 Apr 18 8.15 Yr. Bharat Lahoti 1 Oct 21 4.67 Yr. Data below for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund as on 31 May 26
Equity Sector Allocation
Sector Value Technology 30.34% Financial Services 22.43% Consumer Cyclical 10.26% Communication Services 9.72% Industrials 6.05% Energy 5.91% Basic Materials 2.97% Consumer Defensive 2.12% Utility 1.31% Health Care 0.6% Asset Allocation
Asset Class Value Cash 6.31% Equity 92.73% Debt 0.02% Other 0.61% Top Securities Holdings / Portfolio
Name Holding Value Quantity JPM Emerging Mkts Opps I (acc) USD
Investment Fund | -95% ₹211 Cr 98,240 Clearing Corporation Of India Ltd.
CBLO/Reverse Repo | -5% ₹10 Cr Net Receivables/(Payables)
CBLO | -0% ₹0 Cr Accrued Interest
CBLO | -0% ₹0 Cr
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.
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Research Highlights for DSP World Mining Fund