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।
अधिकांश बैंकों में FD पर ब्याज तिमाही चक्रवृद्धि ब्याज होता है। इसके लिए सूत्र है:
ए = पी * (1+ आर/एन) ^ एन*टी , जहां

Investment Amount:₹100,000 Interest Earned:₹28,930.22 Maturity Amount: ₹128,930.22सावधि जमा (FD) कैलकुलेटर
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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।
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2025 (%) DSP World Mining Fund Growth ₹33.1618
↓ -0.28 ₹195 500 10.4 15.1 49.7 29 20.7 79 Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Growth ₹28.6108
↓ -0.19 ₹275 1,000 -0.1 21.2 44.4 28.8 11.5 41.1 DSP World Gold Fund Growth ₹60.6011
↓ -0.78 ₹1,828 500 21.5 14.2 40 55.1 30.5 167.1 Kotak Global Emerging Market Fund Growth ₹40.524
↓ -0.37 ₹1,730 1,000 -0.4 23 37 27.3 12.6 39.1 Franklin Asian Equity Fund Growth ₹45.5358
↓ -0.01 ₹996 500 -0.9 22.2 35.7 23.5 8.8 23.7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Sep 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 Kotak Global Emerging Market Fund Franklin Asian Equity Fund Point 1 Bottom quartile AUM (₹195 Cr). Bottom quartile AUM (₹275 Cr). Highest AUM (₹1,828 Cr). Upper mid AUM (₹1,730 Cr). Lower mid AUM (₹996 Cr). Point 2 Established history (16+ yrs). Established history (12+ yrs). Oldest track record among peers (19 yrs). Established history (19+ yrs). Established history (18+ yrs). Point 3 Rating: 3★ (upper mid). Rating: 3★ (lower mid). Rating: 3★ (bottom quartile). Rating: 3★ (bottom quartile). Top rated. Point 4 Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Point 5 5Y return: 20.73% (upper mid). 5Y return: 11.51% (bottom quartile). 5Y return: 30.53% (top quartile). 5Y return: 12.58% (lower mid). 5Y return: 8.84% (bottom quartile). Point 6 3Y return: 29.05% (upper mid). 3Y return: 28.80% (lower mid). 3Y return: 55.08% (top quartile). 3Y return: 27.27% (bottom quartile). 3Y return: 23.53% (bottom quartile). Point 7 1Y return: 49.67% (top quartile). 1Y return: 44.41% (upper mid). 1Y return: 40.03% (lower mid). 1Y return: 36.96% (bottom quartile). 1Y return: 35.73% (bottom quartile). Point 8 Alpha: 0.00 (lower mid). Alpha: 4.19 (top quartile). Alpha: 4.18 (upper mid). Alpha: -6.20 (bottom quartile). Alpha: 0.00 (bottom quartile). Point 9 Sharpe: 1.76 (upper mid). Sharpe: 1.80 (top quartile). Sharpe: 1.25 (bottom quartile). Sharpe: 1.39 (bottom quartile). Sharpe: 1.39 (lower mid). Point 10 Information ratio: 0.00 (top quartile). Information ratio: -0.37 (lower mid). Information ratio: -1.01 (bottom quartile). Information ratio: -0.83 (bottom quartile). Information ratio: 0.00 (upper mid). DSP World Mining Fund
Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
DSP World Gold Fund
Kotak Global Emerging Market Fund
Franklin Asian Equity Fund
*1 साल के प्रदर्शन के आधार पर सर्वश्रेष्ठ फंड।
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 (24 Sep 26) ₹33.1618 ↓ -0.28 (-0.83 %) Net Assets (Cr) ₹195 on 31 Aug 26 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.14 Sharpe Ratio 1.76 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 31 Aug 21 ₹10,000 31 Aug 22 ₹9,847 31 Aug 23 ₹11,099 31 Aug 24 ₹11,646 31 Aug 25 ₹14,040 31 Aug 26 ₹25,070 Returns for DSP World Mining Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Sep 26 Duration Returns 1 Month -8.9% 3 Month 10.4% 6 Month 15.1% 1 Year 49.7% 3 Year 29% 5 Year 20.7% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 79% 2024 -8.1% 2023 0% 2022 12.2% 2021 18% 2020 34.9% 2019 21.5% 2018 -9.4% 2017 21.1% 2016 49.7% Fund Manager information for DSP World Mining Fund
Name Since Tenure Kaivalya Nadkarni 1 May 25 1.25 Yr. Data below for DSP World Mining Fund as on 31 Aug 26
Equity Sector Allocation
Sector Value Basic Materials 93.15% Energy 1.01% Asset Allocation
Asset Class Value Cash 5.83% Equity 94.15% Debt 0.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Mining I2
Investment Fund | -96% ₹161 Cr 141,034 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -3% ₹6 Cr Net Receivables/Payables
Net Current Assets | -1% ₹1 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 (24 Sep 26) ₹28.6108 ↓ -0.19 (-0.66 %) Net Assets (Cr) ₹275 on 31 Aug 26 Category Equity - Global AMC Edelweiss Asset Management Limited Rating ☆☆☆ Risk High Expense Ratio 1.44 Sharpe Ratio 1.8 Information Ratio -0.37 Alpha Ratio 4.19 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 31 Aug 21 ₹10,000 31 Aug 22 ₹7,804 31 Aug 23 ₹7,986 31 Aug 24 ₹8,986 31 Aug 25 ₹10,616 31 Aug 26 ₹16,665 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 24 Sep 26 Duration Returns 1 Month 2.4% 3 Month -0.1% 6 Month 21.2% 1 Year 44.4% 3 Year 28.8% 5 Year 11.5% 10 Year 15 Year Since launch 9% Historical performance (Yearly) on absolute basis
Year Returns 2025 41.1% 2024 5.9% 2023 5.5% 2022 -16.8% 2021 -5.9% 2020 21.7% 2019 25.1% 2018 -7.2% 2017 30% 2016 9.8% Fund Manager information for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
Name Since Tenure Bhavesh Jain 9 Apr 18 8.32 Yr. Bharat Lahoti 1 Oct 21 4.84 Yr. Data below for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund as on 31 Aug 26
Equity Sector Allocation
Sector Value Technology 42.21% Financial Services 20.2% Consumer Cyclical 8.02% Communication Services 7.14% Industrials 5.46% Energy 3.24% Basic Materials 2.19% Consumer Defensive 1.64% Utility 1.5% Health Care 0.51% Asset Allocation
Asset Class Value Cash 5.39% Equity 94.05% Debt 0.01% Other 0.29% Top Securities Holdings / Portfolio
Name Holding Value Quantity JPM Emerging Mkts Opps I acc USD
Investment Fund | -96% ₹250 Cr 112,056
↑ 5,164 Clearing Corporation Of India Ltd.
CBLO/Reverse Repo | -4% ₹12 Cr Net Receivables/(Payables)
CBLO | -0% -₹1 Cr Accrued Interest
CBLO | -0% ₹0 Cr
Research Highlights for DSP World Mining Fund