FD कैलकुलेटर - सावधि जमा कैलकुलेटर

Updated on September 3, 2025 , 20939 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

मैं = ए - पी
ए = 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

Investment Amount:₹100,000

Interest Earned:₹28,930.22

Maturity Amount: ₹128,930.22

Ready to Invest?
Talk to our investment specialist

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।

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP World Gold Fund Growth	₹37.9789 ↓ -0.35	₹1,212	500	21.7	60.8	83.7	43.7	12.5	15.9
DSP World Mining Fund Growth	₹20.1744 ↓ -0.07	₹133	500	17.2	29.8	29.8	15.3	14.3	-8.1
DSP US Flexible Equity Fund Growth	₹68.7384 ↑ 1.09	₹989	500	13.3	21.2	27.2	20	17.3	17.8
Baroda Pioneer Mid-Cap Fund Growth	₹16.5124 ↑ 0.15	₹97	500	-8.1	0.1	26.2	22.5	15.9
Aditya Birla Sun Life International Equity Fund - Plan A Growth	₹43.9505 ↑ 0.29	₹229	1,000	9.4	16	25.2	16.6	12.2	7.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 4 Sep 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP World Gold Fund	DSP World Mining Fund	DSP US Flexible Equity Fund	Baroda Pioneer Mid-Cap Fund	Aditya Birla Sun Life International Equity Fund - Plan A
Point 1	Highest AUM (₹1,212 Cr).	Bottom quartile AUM (₹133 Cr).	Upper mid AUM (₹989 Cr).	Bottom quartile AUM (₹97 Cr).	Lower mid AUM (₹229 Cr).
Point 2	Oldest track record among peers (17 yrs).	Established history (15+ yrs).	Established history (13+ yrs).	Established history (14+ yrs).	Established history (17+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Top rated.	Rating: 1★ (bottom quartile).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 12.49% (bottom quartile).	5Y return: 14.29% (lower mid).	5Y return: 17.32% (top quartile).	5Y return: 15.89% (upper mid).	5Y return: 12.18% (bottom quartile).
Point 6	3Y return: 43.73% (top quartile).	3Y return: 15.29% (bottom quartile).	3Y return: 20.02% (lower mid).	3Y return: 22.51% (upper mid).	3Y return: 16.59% (bottom quartile).
Point 7	1Y return: 83.71% (top quartile).	1Y return: 29.78% (upper mid).	1Y return: 27.19% (lower mid).	1Y return: 26.24% (bottom quartile).	1Y return: 25.24% (bottom quartile).
Point 8	Alpha: 2.80 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: -1.71 (bottom quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 5.36 (top quartile).
Point 9	Sharpe: 1.56 (upper mid).	Sharpe: 0.23 (bottom quartile).	Sharpe: 0.78 (bottom quartile).	Sharpe: 3.23 (top quartile).	Sharpe: 1.37 (lower mid).
Point 10	Information ratio: -0.56 (bottom quartile).	Information ratio: 0.00 (top quartile).	Information ratio: -0.40 (lower mid).	Information ratio: 0.00 (upper mid).	Information ratio: -1.05 (bottom quartile).

DSP World Gold Fund

Highest AUM (₹1,212 Cr).
Oldest track record among peers (17 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 12.49% (bottom quartile).
3Y return: 43.73% (top quartile).
1Y return: 83.71% (top quartile).
Alpha: 2.80 (upper mid).
Sharpe: 1.56 (upper mid).
Information ratio: -0.56 (bottom quartile).

DSP World Mining Fund

Bottom quartile AUM (₹133 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 14.29% (lower mid).
3Y return: 15.29% (bottom quartile).
1Y return: 29.78% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.23 (bottom quartile).
Information ratio: 0.00 (top quartile).

DSP US Flexible Equity Fund

Upper mid AUM (₹989 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: High.
5Y return: 17.32% (top quartile).
3Y return: 20.02% (lower mid).
1Y return: 27.19% (lower mid).
Alpha: -1.71 (bottom quartile).
Sharpe: 0.78 (bottom quartile).
Information ratio: -0.40 (lower mid).

Baroda Pioneer Mid-Cap Fund

Bottom quartile AUM (₹97 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: High.
5Y return: 15.89% (upper mid).
3Y return: 22.51% (upper mid).
1Y return: 26.24% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 3.23 (top quartile).
Information ratio: 0.00 (upper mid).

Aditya Birla Sun Life International Equity Fund - Plan A

Lower mid AUM (₹229 Cr).
Established history (17+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 12.18% (bottom quartile).
3Y return: 16.59% (bottom quartile).
1Y return: 25.24% (bottom quartile).
Alpha: 5.36 (top quartile).
Sharpe: 1.37 (lower mid).
Information ratio: -1.05 (bottom quartile).

2022 के लिए शीर्ष फंड

*1 साल के प्रदर्शन के आधार पर सर्वश्रेष्ठ फंड।

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

Bottom quartile AUM (₹1,212 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: High.
5Y return: 12.49% (bottom quartile).
3Y return: 43.73% (upper mid).
1Y return: 83.71% (upper mid).
Alpha: 2.80 (upper mid).
Sharpe: 1.56 (bottom quartile).
Information ratio: -0.56 (bottom quartile).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Gold I2 (~77.7%).
Top-3 holdings concentration ~100.1%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (04 Sep 25)	₹37.9789 ↓ -0.35 (-0.91 %)
Net Assets (Cr)	₹1,212 on 31 Jul 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	1.56
Information Ratio	-0.56
Alpha Ratio	2.8
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 20	₹10,000
31 Aug 21	₹7,754
31 Aug 22	₹5,954
31 Aug 23	₹7,515
31 Aug 24	₹9,830
31 Aug 25	₹16,461

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 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 4 Sep 25

Duration	Returns
1 Month	19.6%
3 Month	21.7%
6 Month	60.8%
1 Year	83.7%
3 Year	43.7%
5 Year	12.5%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	15.9%
2023	7%
2022	-7.7%
2021	-9%
2020	31.4%
2019	35.1%
2018	-10.7%
2017	-4%
2016	52.7%
2015	-18.5%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.51 Yr.

Data below for DSP World Gold Fund as on 31 Jul 25

Equity Sector Allocation

Sector	Value
Basic Materials	95.27%

Asset Allocation

Asset Class	Value
Cash	1.87%
Equity	95.34%
Debt	0.01%
Other	2.79%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	78%	₹942 Cr	1,578,535 ↓ -32,363
VanEck Gold Miners ETF - \| GDX	21%	₹259 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹13 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹2 Cr

2. HDFC Long Term Advantage Fund

To generate long term capital appreciation from a portfolio that is predominantly in equity and equity related instruments

Research Highlights for HDFC Long Term Advantage Fund

Highest AUM (₹1,318 Cr).
Oldest track record among peers (24 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.39% (upper mid).
3Y return: 20.64% (bottom quartile).
1Y return: 35.51% (bottom quartile).
Alpha: 1.75 (bottom quartile).
Sharpe: 2.27 (upper mid).
Information ratio: -0.15 (upper mid).

Below is the key information for HDFC Long Term Advantage Fund

HDFC Long Term Advantage Fund Growth
Launch Date	2 Jan 01
NAV (14 Jan 22)	₹595.168 ↑ 0.28 (0.05 %)
Net Assets (Cr)	₹1,318 on 30 Nov 21
Category	Equity - ELSS
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.25
Sharpe Ratio	2.27
Information Ratio	-0.15
Alpha Ratio	1.75
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹15,833

HDFC Long Term Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Purchase not allowed

Returns for HDFC Long Term Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 4 Sep 25

Duration	Returns
1 Month	4.4%
3 Month	1.2%
6 Month	15.4%
1 Year	35.5%
3 Year	20.6%
5 Year	17.4%
10 Year
15 Year
Since launch	21.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for HDFC Long Term Advantage Fund

Name	Since	Tenure

Data below for HDFC Long Term Advantage Fund as on 30 Nov 21

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

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।