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FD कैलकुलेटर - सावधि जमा कैलकुलेटर

Updated on July 22, 2026 , 21886 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 (%)2024 (%)
DSP World Mining Fund Growth ₹30.5179
↓ -0.29
₹164 500 -7.4-4.463.223.616.379
Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Growth ₹28.3172
↑ 0.23
₹259 1,000 8.322.559.726.210.341.1
DSP World Gold Fund Growth ₹50.1271
↓ -1.40
₹1,433 500 -16.7-23.557.542.323.2167.1
Kotak Global Emerging Market Fund Growth ₹39.319
↑ 0.38
₹1,767 1,000 6.916.249.525.111.339.1
DSP US Flexible Equity Fund Growth ₹92.839
↓ -1.09
₹1,291 500 7.516.844.526.41833.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 23 Jul 26

Research Highlights & Commentary of 5 Funds showcased

CommentaryDSP World Mining FundEdelweiss Emerging Markets Opportunities Equity Off-shore FundDSP World Gold FundKotak Global Emerging Market Fund DSP US Flexible Equity Fund
Point 1Bottom quartile AUM (₹164 Cr).Bottom quartile AUM (₹259 Cr).Upper mid AUM (₹1,433 Cr).Highest AUM (₹1,767 Cr).Lower mid AUM (₹1,291 Cr).
Point 2Established history (16+ yrs).Established history (12+ yrs).Oldest track record among peers (18 yrs).Established history (18+ yrs).Established history (13+ yrs).
Point 3Rating: 3★ (upper mid).Rating: 3★ (lower mid).Rating: 3★ (bottom quartile).Rating: 3★ (bottom quartile).Top rated.
Point 4Risk profile: High.Risk profile: High.Risk profile: High.Risk profile: High.Risk profile: High.
Point 55Y return: 16.26% (lower mid).5Y return: 10.28% (bottom quartile).5Y return: 23.23% (top quartile).5Y return: 11.28% (bottom quartile).5Y return: 17.97% (upper mid).
Point 63Y return: 23.57% (bottom quartile).3Y return: 26.25% (lower mid).3Y return: 42.34% (top quartile).3Y return: 25.09% (bottom quartile).3Y return: 26.40% (upper mid).
Point 71Y return: 63.18% (top quartile).1Y return: 59.70% (upper mid).1Y return: 57.48% (lower mid).1Y return: 49.51% (bottom quartile).1Y return: 44.48% (bottom quartile).
Point 8Alpha: 0.00 (lower mid).Alpha: 6.30 (top quartile).Alpha: 2.12 (upper mid).Alpha: -1.76 (bottom quartile).Alpha: -4.10 (bottom quartile).
Point 9Sharpe: 1.74 (bottom quartile).Sharpe: 2.20 (top quartile).Sharpe: 1.22 (bottom quartile).Sharpe: 1.88 (lower mid).Sharpe: 1.93 (upper mid).
Point 10Information ratio: 0.00 (upper mid).Information ratio: -0.41 (bottom quartile).Information ratio: -0.50 (bottom quartile).Information ratio: -0.25 (lower mid).Information ratio: 0.15 (top quartile).

DSP World Mining Fund

  • Bottom quartile AUM (₹164 Cr).
  • Established history (16+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: High.
  • 5Y return: 16.26% (lower mid).
  • 3Y return: 23.57% (bottom quartile).
  • 1Y return: 63.18% (top quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 1.74 (bottom quartile).
  • Information ratio: 0.00 (upper mid).

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

  • Bottom quartile AUM (₹259 Cr).
  • Established history (12+ yrs).
  • Rating: 3★ (lower mid).
  • Risk profile: High.
  • 5Y return: 10.28% (bottom quartile).
  • 3Y return: 26.25% (lower mid).
  • 1Y return: 59.70% (upper mid).
  • Alpha: 6.30 (top quartile).
  • Sharpe: 2.20 (top quartile).
  • Information ratio: -0.41 (bottom quartile).

DSP World Gold Fund

  • Upper mid AUM (₹1,433 Cr).
  • Oldest track record among peers (18 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 23.23% (top quartile).
  • 3Y return: 42.34% (top quartile).
  • 1Y return: 57.48% (lower mid).
  • Alpha: 2.12 (upper mid).
  • Sharpe: 1.22 (bottom quartile).
  • Information ratio: -0.50 (bottom quartile).

Kotak Global Emerging Market Fund

  • Highest AUM (₹1,767 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 11.28% (bottom quartile).
  • 3Y return: 25.09% (bottom quartile).
  • 1Y return: 49.51% (bottom quartile).
  • Alpha: -1.76 (bottom quartile).
  • Sharpe: 1.88 (lower mid).
  • Information ratio: -0.25 (lower mid).

DSP US Flexible Equity Fund

  • Lower mid AUM (₹1,291 Cr).
  • Established history (13+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 17.97% (upper mid).
  • 3Y return: 26.40% (upper mid).
  • 1Y return: 44.48% (bottom quartile).
  • Alpha: -4.10 (bottom quartile).
  • Sharpe: 1.93 (upper mid).
  • Information ratio: 0.15 (top quartile).

2022 के लिए शीर्ष फंड

*1 साल के प्रदर्शन के आधार पर सर्वश्रेष्ठ फंड।

1. 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 (₹164 Cr).
  • Oldest track record among peers (16 yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 16.26% (upper mid).
  • 3Y return: 23.57% (bottom quartile).
  • 1Y return: 63.18% (upper mid).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: 1.74 (bottom quartile).
  • Information ratio: 0.00 (upper mid).
  • Higher exposure to Basic Materials vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~94%).
  • Largest holding BGF World Mining I2 (~96.3%).
  • Top-3 holdings concentration ~100.5%.

Below is the key information for DSP World Mining Fund

DSP World Mining Fund
Growth
Launch Date 29 Dec 09
NAV (23 Jul 26) ₹30.5179 ↓ -0.29   (-0.93 %)
Net Assets (Cr) ₹164 on 30 Jun 26
Category Equity - Global
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk High
Expense Ratio 1.14
Sharpe Ratio 1.74
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.

DateValue
30 Jun 21₹10,000
30 Jun 22₹9,282
30 Jun 23₹10,814
30 Jun 24₹11,032
30 Jun 25₹11,747
30 Jun 26₹20,331

DSP World Mining Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual 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 23 Jul 26

DurationReturns
1 Month -3.8%
3 Month -7.4%
6 Month -4.4%
1 Year 63.2%
3 Year 23.6%
5 Year 16.3%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Kaivalya Nadkarni1 May 251.17 Yr.

Data below for DSP World Mining Fund as on 30 Jun 26

Equity Sector Allocation
SectorValue
Basic Materials93.17%
Energy1.11%
Asset Allocation
Asset ClassValue
Cash5.71%
Equity94.28%
Debt0.01%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
BGF World Mining I2
Investment Fund | -
96%₹180 Cr141,035
Treps / Reverse Repo Investments
CBLO/Reverse Repo | -
4%₹7 Cr
Net Receivables/Payables
Net Current Assets | -
0%₹0 Cr

2. Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

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

  • Highest AUM (₹259 Cr).
  • Established history (12+ yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 10.28% (bottom quartile).
  • 3Y return: 26.25% (upper mid).
  • 1Y return: 59.70% (bottom quartile).
  • Alpha: 6.30 (upper mid).
  • Sharpe: 2.20 (upper mid).
  • Information ratio: -0.41 (bottom quartile).
  • Top sector: Technology.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~93%).
  • Largest holding JPM Emerging Mkts Opps I acc USD (~96.2%).
  • Top-3 holdings concentration ~100.5%.

Below is the key information for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
Growth
Launch Date 7 Jul 14
NAV (23 Jul 26) ₹28.3172 ↑ 0.23   (0.82 %)
Net Assets (Cr) ₹259 on 30 Jun 26
Category Equity - Global
AMC Edelweiss Asset Management Limited
Rating
Risk High
Expense Ratio 1.04
Sharpe Ratio 2.2
Information Ratio -0.41
Alpha Ratio 6.3
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.

DateValue
30 Jun 21₹10,000
30 Jun 22₹7,234
30 Jun 23₹7,605
30 Jun 24₹8,447
30 Jun 25₹9,445
30 Jun 26₹15,783

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578
Invest Now

Returns for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Jul 26

DurationReturns
1 Month -1.3%
3 Month 8.3%
6 Month 22.5%
1 Year 59.7%
3 Year 26.2%
5 Year 10.3%
10 Year
15 Year
Since launch 9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 41.1%
2023 5.9%
2022 5.5%
2021 -16.8%
2020 -5.9%
2019 21.7%
2018 25.1%
2017 -7.2%
2016 30%
2015 9.8%
Fund Manager information for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
NameSinceTenure
Bhavesh Jain9 Apr 188.23 Yr.
Bharat Lahoti1 Oct 214.75 Yr.

Data below for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund as on 30 Jun 26

Equity Sector Allocation
SectorValue
Technology35.88%
Financial Services20.6%
Consumer Cyclical10.01%
Communication Services7.79%
Industrials5.82%
Energy5.13%
Basic Materials2.8%
Consumer Defensive1.98%
Utility1.27%
Health Care0.52%
Asset Allocation
Asset ClassValue
Cash6.04%
Equity93.14%
Debt0.01%
Other0.49%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
JPM Emerging Mkts Opps I acc USD
Investment Fund | -
96%₹241 Cr102,137
↑ 3,897
Clearing Corporation Of India Ltd.
CBLO/Reverse Repo | -
4%₹10 Cr
Net Receivables/(Payables)
CBLO | -
0%-₹1 Cr
Accrued Interest
CBLO | -
0%₹0 Cr

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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