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फिनकैश »एफडी कैलकुलेटर

FD कैलकुलेटर - सावधि जमा कैलकुलेटर

Updated on December 4, 2023 , 16824 views

सावधि जमा दीर्घकालिक निवेश उपकरण है जो निवेशकों की मदद करता हैपैसे बचाएं लंबी अवधि के लिए। निवेशक एक निश्चित अवधि चुन सकते हैं जिसके लिए जमा को रखा जाएगाबैंक. सामान्य रूप में,एफडी लंबी अवधि के धन सृजन की तलाश करने वालों के लिए निवेश बेहतर है क्योंकि वे बचत खातों की तुलना में उच्च ब्याज दरों की पेशकश करते हैं।

FD ब्याज़ की गणना कैसे की जाती है?

अधिकांश बैंकों में FD पर ब्याज तिमाही चक्रवृद्धि ब्याज होता है। इसके लिए सूत्र है:

ए = पी * (1+ आर/एन) ^ एन*टी , जहां

FD Calculator

  • मैं = ए - पी
  • = परिपक्वता मूल्य
  • पी = मूल राशि
  • आर = ब्याज दर
  • टी = वर्षों की संख्या
  • एन = चक्रवृद्धि ब्याज आवृत्ति
  • मैं = ब्याज अर्जित राशि

FD के लाभ

  • FD के रूप में इस्तेमाल किया जा सकता हैसंपार्श्विक ऋण लेने के लिए। आप अपनी FD राशि पर 80-90% तक का ऋण ले सकते हैं
  • जमाकर्ता आगे की सावधि जमा के लिए परिपक्वता के समय राशि को स्थानांतरित करना चुन सकता है।
  • पैसा केवल एक बार जमा किया जा सकता है। एक बार जमा करने के बाद, खाते से पैसे निकालने पर जुर्माना लगेगा।
  • FD स्कीम उन लोगों के लिए निवेश के अच्छे साधन हैं जिनके पास सरप्लस फंड है और वे इससे पैसा कमाना चाहते हैं।

सावधि जमा (FD) कैलकुलेटर

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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FD पर टैक्स लाभ

अन्य व्यक्तिगत कर-बचत और निवेश साधनों की तरह, सावधि जमा योजनाएं भी आकर्षित करती हैंकरों. कुल ब्याज रुपये से अधिक होने पर FD से अर्जित रिटर्न पर 10% का TDS काटा जाता है। 10,000 एक ही वित्तीय वर्ष में।

आइए इसकी तुलना से करेंसिप योजना और आप देख सकते हैं कि लंबी अवधि के लिए एसआईपी अधिक फायदेमंद हैं। चूंकि इक्विटी से लंबी अवधि के लाभ कर-मुक्त हैं, इसलिए कोई भी एसआईपी जो इसमें निवेश करता हैईएलएसएस (इक्विटी लिंक्डम्यूचुअल फंड्स) भी एक वर्ष के बाद कर-मुक्त है।

*पिछले 1 साल के प्रदर्शन और फंड की उम्र> 1 साल के आधार पर फंड की सूची नीचे दी गई है।

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2022 (%)
HDFC Infrastructure Fund Growth ₹35.92
↑ 0.21
₹958 300 12.938.246.339.419.119.3
Nippon India Power and Infra Fund Growth ₹259.614
↑ 1.07
₹2,707 100 13.332.343.936.622.910.9
Franklin India Smaller Companies Fund Growth ₹141.009
↑ 0.37
₹9,684 500 1130.343.136.122.73.6
Franklin Build India Fund Growth ₹104.134
↑ 0.36
₹1,558 500 15.534.440.834.922.611.2
SBI Infrastructure Fund Growth ₹39.6529
↑ 0.02
₹1,309 500 15.230.840.733.724.39.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Dec 23

2022 के लिए शीर्ष फंड

*1 साल के प्रदर्शन के आधार पर सर्वश्रेष्ठ फंड।

1. HDFC Infrastructure Fund

To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure.

HDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 10 Mar 08. It is a fund with High risk and has given a CAGR/Annualized return of since its launch.  Ranked 26 in Sectoral category.  Return for 2022 was 19.3% , 2021 was 43.2% and 2020 was -7.5% .

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund
Growth
Launch Date 10 Mar 08
NAV (06 Dec 23) ₹35.92 ↑ 0.21   (0.59 %)
Net Assets (Cr) ₹958 on 31 Oct 23
Category Equity - Sectoral
AMC HDFC Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.56
Sharpe Ratio 1.82
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Nov 18₹10,000
30 Nov 19₹10,161
30 Nov 20₹8,001
30 Nov 21₹12,816
30 Nov 22₹15,701
30 Nov 23₹22,153

HDFC Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520
Invest Now

Returns for HDFC Infrastructure 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 Dec 23

DurationReturns
1 Month 10.6%
3 Month 12.9%
6 Month 38.2%
1 Year 46.3%
3 Year 39.4%
5 Year 19.1%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
2022 19.3%
2021 43.2%
2020 -7.5%
2019 -3.4%
2018 -29%
2017 43.3%
2016 -1.9%
2015 -2.5%
2014 73.9%
2013 -14.4%
Fund Manager information for HDFC Infrastructure Fund
NameSinceTenure
Rakesh Vyas1 Jun 194.42 Yr.
Dhruv Muchhal22 Jun 230.36 Yr.

Data below for HDFC Infrastructure Fund as on 31 Oct 23

Equity Sector Allocation
SectorValue
Industrials45.96%
Financial Services16.51%
Basic Materials10.25%
Energy6.22%
Utility5.13%
Consumer Cyclical3.25%
Technology2.41%
Real Estate1.99%
Communication Services1.34%
Asset Allocation
Asset ClassValue
Cash6.94%
Equity93.06%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL
7%₹65 Cr1,613,625
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT
6%₹61 Cr209,762
Coal India Ltd (Energy)
Equity, Since 31 Oct 18 | COALINDIA
6%₹55 Cr1,765,000
Premier Explosives Ltd (Basic Materials)
Equity, Since 31 May 17 | PREMEXPLN
5%₹49 Cr375,467
↑ 18,371
NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | 532555
5%₹49 Cr2,084,125
Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | KPIL
5%₹45 Cr683,608
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK
4%₹43 Cr465,000
↑ 20,000
State Bank of India (Financial Services)
Equity, Since 31 Mar 08 | SBIN
4%₹40 Cr704,361
G R Infraprojects Ltd (Industrials)
Equity, Since 31 Jul 21 | 543317
3%₹30 Cr269,267
↑ 30,000
AIA Engineering Ltd (Industrials)
Equity, Since 31 Oct 21 | AIAENG
3%₹25 Cr71,061

2. Nippon India Power and Infra Fund

(Erstwhile Reliance Diversified Power Sector Fund)

The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies in the power sector.

Nippon India Power and Infra Fund is a Equity - Sectoral fund was launched on 8 May 04. It is a fund with High risk and has given a CAGR/Annualized return of 18.1% since its launch.  Ranked 13 in Sectoral category.  Return for 2022 was 10.9% , 2021 was 48.9% and 2020 was 10.8% .

Below is the key information for Nippon India Power and Infra Fund

Nippon India Power and Infra Fund
Growth
Launch Date 8 May 04
NAV (06 Dec 23) ₹259.614 ↑ 1.07   (0.41 %)
Net Assets (Cr) ₹2,707 on 31 Oct 23
Category Equity - Sectoral
AMC Nippon Life Asset Management Ltd.
Rating
Risk High
Expense Ratio 2.23
Sharpe Ratio 1.68
Information Ratio 1.91
Alpha Ratio 12.2
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Nov 18₹10,000
30 Nov 19₹9,980
30 Nov 20₹10,240
30 Nov 21₹16,227
30 Nov 22₹18,747
30 Nov 23₹26,192

Nippon India Power and Infra Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691
Invest Now

Returns for Nippon India Power and Infra 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 Dec 23

DurationReturns
1 Month 11.3%
3 Month 13.3%
6 Month 32.3%
1 Year 43.9%
3 Year 36.6%
5 Year 22.9%
10 Year
15 Year
Since launch 18.1%
Historical performance (Yearly) on absolute basis
YearReturns
2022 10.9%
2021 48.9%
2020 10.8%
2019 -2.9%
2018 -21.1%
2017 61.7%
2016 0.1%
2015 0.3%
2014 50.8%
2013 -14.6%
Fund Manager information for Nippon India Power and Infra Fund
NameSinceTenure
Sanjay Doshi2 Jan 176.83 Yr.
Kinjal Desai25 May 185.44 Yr.
Akshay Sharma1 Dec 220.92 Yr.

Data below for Nippon India Power and Infra Fund as on 31 Oct 23

Equity Sector Allocation
SectorValue
Industrials33.92%
Utility16.65%
Energy10.09%
Basic Materials9.68%
Consumer Cyclical6.75%
Communication Services5.83%
Real Estate5.7%
Technology5.1%
Health Care1.78%
Asset Allocation
Asset ClassValue
Cash4.51%
Equity95.49%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
NTPC Ltd (Utilities)
Equity, Since 31 May 09 | 532555
7%₹200 Cr8,500,000
Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE
7%₹194 Cr850,000
↑ 50,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 07 | LT
7%₹187 Cr639,337
Bosch Ltd (Consumer Cyclical)
Equity, Since 31 Aug 21 | 500530
6%₹156 Cr80,000
↑ 1,351
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 18 | BHARTIARTL
5%₹123 Cr1,350,000
UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Oct 19 | ULTRACEMCO
5%₹122 Cr145,000
Kaynes Technology India Ltd (Industrials)
Equity, Since 30 Nov 22 | KAYNES
4%₹95 Cr397,598
↓ -10,923
Container Corporation of India Ltd (Industrials)
Equity, Since 31 Aug 22 | CONCOR
3%₹88 Cr1,274,151
Coal India Ltd (Energy)
Equity, Since 31 Aug 23 | COALINDIA
3%₹79 Cr2,500,000
Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Oct 21 | 532898
3%₹73 Cr3,600,000

Disclaimer:
यहां प्रदान की गई जानकारी सटीक है, यह सुनिश्चित करने के लिए सभी प्रयास किए गए हैं। हालांकि, डेटा की शुद्धता के संबंध में कोई गारंटी नहीं दी जाती है। कृपया कोई भी निवेश करने से पहले योजना सूचना दस्तावेज के साथ सत्यापित करें।
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