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 (%) 2024 (%) DSP World Mining Fund Growth ₹30.5179
↓ -0.29 ₹164 500 -7.4 -4.4 63.2 23.6 16.3 79 Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Growth ₹28.3172
↑ 0.23 ₹259 1,000 8.3 22.5 59.7 26.2 10.3 41.1 DSP World Gold Fund Growth ₹50.1271
↓ -1.40 ₹1,433 500 -16.7 -23.5 57.5 42.3 23.2 167.1 Kotak Global Emerging Market Fund Growth ₹39.319
↑ 0.38 ₹1,767 1,000 6.9 16.2 49.5 25.1 11.3 39.1 DSP US Flexible Equity Fund Growth ₹92.839
↓ -1.09 ₹1,291 500 7.5 16.8 44.5 26.4 18 33.8 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
Commentary DSP World Mining Fund Edelweiss Emerging Markets Opportunities Equity Off-shore Fund DSP World Gold Fund Kotak Global Emerging Market Fund DSP US Flexible Equity Fund Point 1 Bottom 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 2 Established history (16+ yrs). Established history (12+ yrs). Oldest track record among peers (18 yrs). Established history (18+ yrs). Established history (13+ 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: 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 6 3Y 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 7 1Y 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 8 Alpha: 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 9 Sharpe: 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 10 Information 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
Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
DSP World Gold Fund
Kotak Global Emerging Market Fund
DSP US Flexible 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 (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.
Date Value 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 Returns for DSP World Mining Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 23 Jul 26 Duration Returns 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
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 Kaivalya Nadkarni 1 May 25 1.17 Yr. Data below for DSP World Mining Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Basic Materials 93.17% Energy 1.11% Asset Allocation
Asset Class Value Cash 5.71% Equity 94.28% Debt 0.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Mining I2
Investment Fund | -96% ₹180 Cr 141,035 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
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.
Date Value 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 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 23 Jul 26 Duration Returns 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
Year Returns 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
Name Since Tenure Bhavesh Jain 9 Apr 18 8.23 Yr. Bharat Lahoti 1 Oct 21 4.75 Yr. Data below for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Technology 35.88% Financial Services 20.6% Consumer Cyclical 10.01% Communication Services 7.79% Industrials 5.82% Energy 5.13% Basic Materials 2.8% Consumer Defensive 1.98% Utility 1.27% Health Care 0.52% Asset Allocation
Asset Class Value Cash 6.04% Equity 93.14% Debt 0.01% Other 0.49% Top Securities Holdings / Portfolio
Name Holding Value Quantity JPM Emerging Mkts Opps I acc USD
Investment Fund | -96% ₹241 Cr 102,137
↑ 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
Research Highlights for DSP World Mining Fund