+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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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 ₹58.2712
↑ 1.95 ₹1,689 500 31.3 91.2 172.9 49.4 25.1 167.1 DSP World Mining Fund Growth ₹29.3662
↑ 0.82 ₹181 500 27.8 65.6 90.3 18.8 17.3 79 Invesco India Feeder- Invesco Pan European Equity Fund Growth ₹23.0844
↓ -0.05 ₹105 500 12.4 18.8 50 16.9 14.1 42.5 Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Growth ₹22.0967
↑ 0.12 ₹163 1,000 10.2 28.3 48.1 16.1 3.9 41.1 Kotak Global Emerging Market Fund Growth ₹32.261
↑ 0.31 ₹230 1,000 8.8 26.2 46.5 17.1 6.3 39.1 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Jan 26 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund DSP World Mining Fund Invesco India Feeder- Invesco Pan European Equity Fund Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Kotak Global Emerging Market Fund Point 1 Highest AUM (₹1,689 Cr). Lower mid AUM (₹181 Cr). Bottom quartile AUM (₹105 Cr). Bottom quartile AUM (₹163 Cr). Upper mid AUM (₹230 Cr). Point 2 Oldest track record among peers (18 yrs). Established history (16+ yrs). Established history (11+ yrs). Established history (11+ yrs). Established history (18+ yrs). Point 3 Top rated. Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (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: 25.07% (top quartile). 5Y return: 17.29% (upper mid). 5Y return: 14.11% (lower mid). 5Y return: 3.91% (bottom quartile). 5Y return: 6.30% (bottom quartile). Point 6 3Y return: 49.41% (top quartile). 3Y return: 18.79% (upper mid). 3Y return: 16.95% (bottom quartile). 3Y return: 16.10% (bottom quartile). 3Y return: 17.09% (lower mid). Point 7 1Y return: 172.89% (top quartile). 1Y return: 90.29% (upper mid). 1Y return: 49.98% (lower mid). 1Y return: 48.08% (bottom quartile). 1Y return: 46.54% (bottom quartile). Point 8 Alpha: -4.29 (bottom quartile). Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Alpha: 1.04 (top quartile). Alpha: -3.99 (bottom quartile). Point 9 Sharpe: 2.51 (lower mid). Sharpe: 1.75 (bottom quartile). Sharpe: 2.54 (top quartile). Sharpe: 2.53 (upper mid). Sharpe: 2.07 (bottom quartile). Point 10 Information ratio: -1.02 (bottom quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: -0.90 (bottom quartile). Information ratio: -0.59 (lower mid). DSP World Gold Fund
DSP World Mining Fund
Invesco India Feeder- Invesco Pan European Equity Fund
Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
Kotak Global Emerging Market Fund
Top Funds for 2025
*Best funds based on 1 year performance.
"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." Below is the key information for DSP World Gold Fund Returns up to 1 year are on 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 Below is the key information for DSP World Mining Fund Returns up to 1 year are on 1. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (12 Jan 26) ₹58.2712 ↑ 1.95 (3.47 %) Net Assets (Cr) ₹1,689 on 30 Nov 25 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 2.51 Information Ratio -1.02 Alpha Ratio -4.29 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 Dec 20 ₹10,000 31 Dec 21 ₹9,101 31 Dec 22 ₹8,405 31 Dec 23 ₹8,991 31 Dec 24 ₹10,424 31 Dec 25 ₹27,842 Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Jan 26 Duration Returns 1 Month 10.1% 3 Month 31.3% 6 Month 91.2% 1 Year 172.9% 3 Year 49.4% 5 Year 25.1% 10 Year 15 Year Since launch 10.1% 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 12.76 Yr. Data below for DSP World Gold Fund as on 30 Nov 25
Equity Sector Allocation
Sector Value Basic Materials 93.58% Asset Allocation
Asset Class Value Cash 3.5% Equity 93.84% Debt 0.01% Other 2.64% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -74% ₹1,246 Cr 1,278,985
↓ -68,948 VanEck Gold Miners ETF
- | GDX25% ₹427 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -1% ₹24 Cr Net Receivables/Payables
Net Current Assets | -0% -₹8 Cr 2. DSP World Mining Fund
DSP World Mining Fund
Growth Launch Date 29 Dec 09 NAV (12 Jan 26) ₹29.3662 ↑ 0.82 (2.88 %) Net Assets (Cr) ₹181 on 30 Nov 25 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.14 Sharpe Ratio 1.75 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 Dec 20 ₹10,000 31 Dec 21 ₹11,803 31 Dec 22 ₹13,238 31 Dec 23 ₹13,240 31 Dec 24 ₹12,171 31 Dec 25 ₹21,791 Returns for DSP World Mining Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Jan 26 Duration Returns 1 Month 11.3% 3 Month 27.8% 6 Month 65.6% 1 Year 90.3% 3 Year 18.8% 5 Year 17.3% 10 Year 15 Year Since launch 6.9% 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 12.76 Yr. Data below for DSP World Mining Fund as on 30 Nov 25
Equity Sector Allocation
Sector Value Basic Materials 96.07% Energy 1.35% Asset Allocation
Asset Class Value Cash 2.51% Equity 97.49% Debt 0% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Mining I2
Investment Fund | -99% ₹180 Cr 193,620 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -1% ₹2 Cr Net Receivables/Payables
Net Current Assets | -0% -₹1 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 Gold Fund