FD કેલ્ક્યુલેટર - ફિક્સ્ડ ડિપોઝીટ કેલ્ક્યુલેટર

Updated on January 5, 2026 , 21303 views

ફિક્સ્ડ ડિપોઝિટ એ લાંબા ગાળાના રોકાણનું સાધન છે જે રોકાણકારોને મદદ કરે છેનાણાં બચાવવા લાંબા ગાળા માટે. રોકાણકારો એક નિશ્ચિત મુદત પસંદ કરી શકે છે જેના માટે ડિપોઝિટ તેની પાસે રાખવામાં આવશેબેંક. સામાન્ય રીતે,FD લાંબા ગાળાની સંપત્તિનું સર્જન કરવા માંગતા લોકો માટે રોકાણ વધુ સારું છે કારણ કે તેઓ બચત ખાતાની તુલનામાં ઊંચા વ્યાજ દરો ઓફર કરે છે.

FD વ્યાજની ગણતરી કેવી રીતે થાય છે?

મોટાભાગની બેંકોમાં FD પર વ્યાજ ત્રિમાસિક ચક્રવૃદ્ધિ કરવામાં આવે છે. આ માટેનું સૂત્ર છે:

A = P * (1+ r/n) ^ n*t , ક્યાં

આઈ = એ - પી
એ = પરિપક્વતા મૂલ્ય
પી = મૂળ રકમ
આર = વ્યાજ દર
t = વર્ષોની સંખ્યા
n = ચક્રવૃદ્ધિ વ્યાજ આવર્તન
આઈ = વ્યાજની ઉપાર્જિત રકમ

FD ના લાભો

FD તરીકે ઉપયોગ કરી શકાય છેકોલેટરલ લોન લેવા માટે. તમે તમારી FD રકમ પર 80-90% સુધીની લોન લઈ શકો છો
થાપણદાર વધુ ફિક્સ્ડ ડિપોઝિટ માટે પાકતી મુદતના સમયે રકમ ટ્રાન્સફર કરવાનું પસંદ કરી શકે છે.
પૈસા માત્ર એક જ વાર જમા કરાવી શકાય છે. એકવાર જમા કરાવ્યા પછી, ખાતામાંથી પૈસા ઉપાડવા પર પેનલ્ટી લાગશે.
જેમની પાસે ફાજલ ફંડ છે અને તેમાંથી પૈસા કમાવવા માંગે છે તેમના માટે FD સ્કીમ્સ રોકાણના સારા સાધનો છે.

ફિક્સ્ડ ડિપોઝિટ (FD) કેલ્ક્યુલેટર

Investment Amount:₹100,000

Interest Earned:₹28,930.22

Maturity Amount: ₹128,930.22

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FD પર કર લાભો

અન્ય વ્યક્તિગત કર-બચત અને રોકાણ સાધનોની જેમ, ફિક્સ્ડ ડિપોઝિટ સ્કીમ્સ પણ આકર્ષે છેકર. જો કુલ વ્યાજ રૂ. કરતાં વધી જાય તો FDમાંથી ઉપાર્જિત વળતર પર 10% TDS કાપવામાં આવે છે. 10,000 એક નાણાકીય વર્ષમાં.

ચાલો તેની સાથે સરખામણી કરીએSIP સ્કીમ અને તમે જોઈ શકો છો કે SIP લાંબા ગાળા માટે વધુ ફાયદાકારક છે. ઇક્વિટીમાંથી લાંબા ગાળાના લાભો કરમુક્ત હોવાથી, કોઈપણ SIP જે રોકાણ કરે છેELSS (ઇક્વિટી લિંક્ડમ્યુચ્યુઅલ ફંડ) પણ એક વર્ષ પછી કરમુક્ત છે.

*નીચે છેલ્લા 1 વર્ષની કામગીરી અને ફંડની ઉંમર > 1 વર્ષ પર આધારિત ફંડની યાદી છે.

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP World Gold Fund Growth	₹55.3828 ↑ 0.67	₹1,689	500	19.9	80.1	169.4	47.5	22.2	167.1
DSP World Mining Fund Growth	₹28.2759 ↑ 0.40	₹181	500	20.7	59.8	83.3	18.9	16.3	79
Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Growth	₹22.2273 ↑ 0.25	₹163	1,000	10.5	29.4	46.5	17.1	4.7	41.1
Invesco India Feeder- Invesco Pan European Equity Fund Growth	₹22.8209 ↑ 0.00	₹105	500	10.2	17.9	44.4	18	13.9	42.5
Kotak Global Emerging Market Fund Growth	₹32.271 ↑ 0.24	₹230	1,000	7.2	26.9	44	17.8	7.1	39.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Jan 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP World Gold Fund	DSP World Mining Fund	Edelweiss Emerging Markets Opportunities Equity Off-shore Fund	Invesco India Feeder- Invesco Pan European Equity Fund	Kotak Global Emerging Market Fund
Point 1	Highest AUM (₹1,689 Cr).	Lower mid AUM (₹181 Cr).	Bottom quartile AUM (₹163 Cr).	Bottom quartile AUM (₹105 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: 22.23% (top quartile).	5Y return: 16.31% (upper mid).	5Y return: 4.73% (bottom quartile).	5Y return: 13.90% (lower mid).	5Y return: 7.07% (bottom quartile).
Point 6	3Y return: 47.55% (top quartile).	3Y return: 18.91% (upper mid).	3Y return: 17.12% (bottom quartile).	3Y return: 17.97% (lower mid).	3Y return: 17.82% (bottom quartile).
Point 7	1Y return: 169.41% (top quartile).	1Y return: 83.34% (upper mid).	1Y return: 46.47% (lower mid).	1Y return: 44.37% (bottom quartile).	1Y return: 44.00% (bottom quartile).
Point 8	Alpha: -4.29 (bottom quartile).	Alpha: 0.00 (upper mid).	Alpha: 1.04 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: -3.99 (bottom quartile).
Point 9	Sharpe: 2.51 (lower mid).	Sharpe: 1.75 (bottom quartile).	Sharpe: 2.53 (upper mid).	Sharpe: 2.54 (top quartile).	Sharpe: 2.07 (bottom quartile).
Point 10	Information ratio: -1.02 (bottom quartile).	Information ratio: 0.00 (top quartile).	Information ratio: -0.90 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: -0.59 (lower mid).

DSP World Gold Fund

Highest AUM (₹1,689 Cr).
Oldest track record among peers (18 yrs).
Top rated.
Risk profile: High.
5Y return: 22.23% (top quartile).
3Y return: 47.55% (top quartile).
1Y return: 169.41% (top quartile).
Alpha: -4.29 (bottom quartile).
Sharpe: 2.51 (lower mid).
Information ratio: -1.02 (bottom quartile).

DSP World Mining Fund

Lower mid AUM (₹181 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 16.31% (upper mid).
3Y return: 18.91% (upper mid).
1Y return: 83.34% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 1.75 (bottom quartile).
Information ratio: 0.00 (top quartile).

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Bottom quartile AUM (₹163 Cr).
Established history (11+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 4.73% (bottom quartile).
3Y return: 17.12% (bottom quartile).
1Y return: 46.47% (lower mid).
Alpha: 1.04 (top quartile).
Sharpe: 2.53 (upper mid).
Information ratio: -0.90 (bottom quartile).

Invesco India Feeder- Invesco Pan European Equity Fund

Bottom quartile AUM (₹105 Cr).
Established history (11+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 13.90% (lower mid).
3Y return: 17.97% (lower mid).
1Y return: 44.37% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 2.54 (top quartile).
Information ratio: 0.00 (upper mid).

Kotak Global Emerging Market Fund

Upper mid AUM (₹230 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 7.07% (bottom quartile).
3Y return: 17.82% (bottom quartile).
1Y return: 44.00% (bottom quartile).
Alpha: -3.99 (bottom quartile).
Sharpe: 2.07 (bottom quartile).
Information ratio: -0.59 (lower mid).

2022 માટે ટોચના ભંડોળ

*1 વર્ષની કામગીરીના આધારે શ્રેષ્ઠ ભંડોળ.

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 (₹1,689 Cr).
Oldest track record among peers (18 yrs).
Top rated.
Risk profile: High.
5Y return: 22.23% (upper mid).
3Y return: 47.55% (upper mid).
1Y return: 169.41% (upper mid).
Alpha: -4.29 (bottom quartile).
Sharpe: 2.51 (upper mid).
Information ratio: -1.02 (bottom quartile).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding BGF World Gold I2 (~73.8%).
Top-3 holdings concentration ~100.4%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (06 Jan 26)	₹55.3828 ↑ 0.67 (1.23 %)
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

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 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 6 Jan 26

Duration	Returns
1 Month	11.5%
3 Month	19.9%
6 Month	80.1%
1 Year	169.4%
3 Year	47.5%
5 Year	22.2%
10 Year
15 Year
Since launch	9.8%

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	12.76 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 - \| GDX	25%	₹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

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: 16.31% (bottom quartile).
3Y return: 18.91% (bottom quartile).
1Y return: 83.34% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.75 (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 ~100.6%.

Below is the key information for DSP World Mining Fund

DSP World Mining Fund Growth
Launch Date	29 Dec 09
NAV (06 Jan 26)	₹28.2759 ↑ 0.40 (1.43 %)
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

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 6 Jan 26

Duration	Returns
1 Month	11.6%
3 Month	20.7%
6 Month	59.8%
1 Year	83.3%
3 Year	18.9%
5 Year	16.3%
10 Year
15 Year
Since launch	6.7%

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	12.76 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

Disclaimer:
અહીં આપેલી માહિતી સચોટ છે તેની ખાતરી કરવા માટેના તમામ પ્રયાસો કરવામાં આવ્યા છે. જો કે, ડેટાની શુદ્ધતા અંગે કોઈ ગેરંટી આપવામાં આવતી નથી. કોઈપણ રોકાણ કરતા પહેલા કૃપા કરીને સ્કીમ માહિતી દસ્તાવેજ સાથે ચકાસો.