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FD Calculator - Fixed Deposit Calculator

Updated on August 12, 2025 , 20857 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

FD Calculator

  • 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

Principal:
Tenure:
Months
Rate of Interest (ROI):
%

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.

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
DSP World Gold Fund Growth ₹34.2065
↑ 0.24
₹1,202 500 27.338.264.733.19.615.9
Aditya Birla Sun Life International Equity Fund - Plan A Growth ₹43.7333
↑ 0.19
₹215 1,000 13.416.529.913.4127.4
DSP US Flexible Equity Fund Growth ₹67.9417
↑ 0.92
₹935 500 1811.528.517.216.817.8
Baroda Pioneer Mid-Cap Fund Growth ₹16.5124
↑ 0.15
₹97 500 -8.10.126.222.515.9
Invesco India Feeder- Invesco Global Equity Income Fund Growth ₹31.0966
↑ 0.11
₹49 500 1011.625.421.118.513.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 13 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryDSP World Gold FundAditya Birla Sun Life International Equity Fund - Plan ADSP US Flexible Equity FundBaroda Pioneer Mid-Cap FundInvesco India Feeder- Invesco Global Equity Income Fund
Point 1Highest AUM (₹1,202 Cr).Lower mid AUM (₹215 Cr).Upper mid AUM (₹935 Cr).Bottom quartile AUM (₹97 Cr).Bottom quartile AUM (₹49 Cr).
Point 2Oldest track record among peers (17 yrs).Established history (17+ yrs).Established history (13+ yrs).Established history (14+ yrs).Established history (11+ yrs).
Point 3Rating: 3★ (upper mid).Rating: 2★ (bottom quartile).Top rated.Rating: 1★ (bottom quartile).Rating: 3★ (lower mid).
Point 4Risk profile: High.Risk profile: High.Risk profile: High.Risk profile: High.Risk profile: High.
Point 55Y return: 9.61% (bottom quartile).5Y return: 12.00% (bottom quartile).5Y return: 16.82% (upper mid).5Y return: 15.89% (lower mid).5Y return: 18.46% (top quartile).
Point 63Y return: 33.15% (top quartile).3Y return: 13.44% (bottom quartile).3Y return: 17.15% (bottom quartile).3Y return: 22.51% (upper mid).3Y return: 21.09% (lower mid).
Point 71Y return: 64.67% (top quartile).1Y return: 29.92% (upper mid).1Y return: 28.45% (lower mid).1Y return: 26.24% (bottom quartile).1Y return: 25.38% (bottom quartile).
Point 8Alpha: 1.97 (upper mid).Alpha: 6.87 (top quartile).Alpha: -4.34 (bottom quartile).Alpha: 0.00 (lower mid).Alpha: 0.00 (bottom quartile).
Point 9Sharpe: 1.80 (upper mid).Sharpe: 1.38 (lower mid).Sharpe: 0.51 (bottom quartile).Sharpe: 3.23 (top quartile).Sharpe: 1.23 (bottom quartile).
Point 10Information ratio: -0.35 (lower mid).Information ratio: -1.19 (bottom quartile).Information ratio: -0.49 (bottom quartile).Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).

DSP World Gold Fund

  • Highest AUM (₹1,202 Cr).
  • Oldest track record among peers (17 yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: High.
  • 5Y return: 9.61% (bottom quartile).
  • 3Y return: 33.15% (top quartile).
  • 1Y return: 64.67% (top quartile).
  • Alpha: 1.97 (upper mid).
  • Sharpe: 1.80 (upper mid).
  • Information ratio: -0.35 (lower mid).

Aditya Birla Sun Life International Equity Fund - Plan A

  • Lower mid AUM (₹215 Cr).
  • Established history (17+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 12.00% (bottom quartile).
  • 3Y return: 13.44% (bottom quartile).
  • 1Y return: 29.92% (upper mid).
  • Alpha: 6.87 (top quartile).
  • Sharpe: 1.38 (lower mid).
  • Information ratio: -1.19 (bottom quartile).

DSP US Flexible Equity Fund

  • Upper mid AUM (₹935 Cr).
  • Established history (13+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 16.82% (upper mid).
  • 3Y return: 17.15% (bottom quartile).
  • 1Y return: 28.45% (lower mid).
  • Alpha: -4.34 (bottom quartile).
  • Sharpe: 0.51 (bottom quartile).
  • Information ratio: -0.49 (bottom quartile).

Baroda Pioneer Mid-Cap Fund

  • Bottom quartile AUM (₹97 Cr).
  • Established history (14+ yrs).
  • Rating: 1★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 15.89% (lower mid).
  • 3Y return: 22.51% (upper mid).
  • 1Y return: 26.24% (bottom quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 3.23 (top quartile).
  • Information ratio: 0.00 (top quartile).

Invesco India Feeder- Invesco Global Equity Income Fund

  • Bottom quartile AUM (₹49 Cr).
  • Established history (11+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: High.
  • 5Y return: 18.46% (top quartile).
  • 3Y return: 21.09% (lower mid).
  • 1Y return: 25.38% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 1.23 (bottom quartile).
  • Information ratio: 0.00 (upper mid).

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

  • Bottom quartile AUM (₹1,202 Cr).
  • Established history (17+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 9.61% (bottom quartile).
  • 3Y return: 33.15% (upper mid).
  • 1Y return: 64.67% (upper mid).
  • Alpha: 1.97 (upper mid).
  • Sharpe: 1.80 (bottom quartile).
  • Information ratio: -0.35 (bottom quartile).
  • Top sector: Basic Materials.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~95%).
  • Largest holding BGF World Gold I2 (~77.8%).
  • Top-3 holdings concentration ~100.3%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund
Growth
Launch Date 14 Sep 07
NAV (13 Aug 25) ₹34.2065 ↑ 0.24   (0.71 %)
Net Assets (Cr) ₹1,202 on 30 Jun 25
Category Equity - Global
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk High
Expense Ratio 1.35
Sharpe Ratio 1.8
Information Ratio -0.35
Alpha Ratio 1.97
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.

DateValue
31 Jul 20₹10,000
31 Jul 21₹8,272
31 Jul 22₹6,099
31 Jul 23₹7,748
31 Jul 24₹9,223
31 Jul 25₹13,652

DSP World Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859
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 13 Aug 25

DurationReturns
1 Month 12.2%
3 Month 27.3%
6 Month 38.2%
1 Year 64.7%
3 Year 33.1%
5 Year 9.6%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Jay Kothari1 Mar 1312.43 Yr.

Data below for DSP World Gold Fund as on 30 Jun 25

Equity Sector Allocation
SectorValue
Basic Materials94.86%
Asset Allocation
Asset ClassValue
Cash2.29%
Equity95.12%
Debt0.02%
Other2.57%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
BGF World Gold I2
Investment Fund | -
78%₹935 Cr1,610,898
↓ -37,716
VanEck Gold Miners ETF
- | GDX
21%₹255 Cr573,719
Treps / Reverse Repo Investments
CBLO/Reverse Repo | -
1%₹14 Cr
Net Receivables/Payables
CBLO | -
0%-₹3 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 (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.

DateValue
31 Jul 20₹10,000
31 Jul 21₹15,844

HDFC Long Term Advantage Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 13 Aug 25

DurationReturns
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
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for HDFC Long Term Advantage Fund
NameSinceTenure

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

Equity Sector Allocation
SectorValue
Asset Allocation
Asset ClassValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

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.
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