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 Gold Fund Growth ₹42.9199
↑ 1.61 ₹1,421 500 37.1 65.5 90.6 49.2 15.6 15.9 DSP World Mining Fund Growth ₹21.6841
↑ 0.41 ₹148 500 25.4 31.8 31.8 17.7 16.3 -8.1 DSP US Flexible Equity Fund Growth ₹71.0222
↓ -0.17 ₹1,000 500 15.7 29.4 29.5 23.2 19 17.8 Kotak Global Emerging Market Fund Growth ₹29.275
↑ 0.13 ₹116 1,000 17.2 25.2 28.4 16.7 9.8 5.9 Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Growth ₹19.4782
↓ -0.02 ₹137 1,000 14.9 22.9 28.2 15.9 6.4 5.9 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Sep 25 Research Highlights & Commentary of 5 Funds showcased
Commentary DSP World Gold Fund DSP World Mining Fund DSP US Flexible Equity Fund Kotak Global Emerging Market Fund Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Point 1 Highest AUM (₹1,421 Cr). Lower mid AUM (₹148 Cr). Upper mid AUM (₹1,000 Cr). Bottom quartile AUM (₹116 Cr). Bottom quartile AUM (₹137 Cr). Point 2 Oldest track record among peers (18 yrs). Established history (15+ yrs). Established history (13+ yrs). Established history (18+ yrs). Established history (11+ yrs). Point 3 Rating: 3★ (upper mid). Rating: 3★ (lower mid). Top rated. Rating: 3★ (bottom quartile). Rating: 3★ (bottom quartile). Point 4 Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Risk profile: High. Point 5 5Y return: 15.56% (lower mid). 5Y return: 16.30% (upper mid). 5Y return: 18.98% (top quartile). 5Y return: 9.78% (bottom quartile). 5Y return: 6.37% (bottom quartile). Point 6 3Y return: 49.17% (top quartile). 3Y return: 17.67% (lower mid). 3Y return: 23.16% (upper mid). 3Y return: 16.71% (bottom quartile). 3Y return: 15.85% (bottom quartile). Point 7 1Y return: 90.63% (top quartile). 1Y return: 31.82% (upper mid). 1Y return: 29.48% (lower mid). 1Y return: 28.42% (bottom quartile). 1Y return: 28.15% (bottom quartile). Point 8 Alpha: 3.15 (top quartile). Alpha: 0.00 (upper mid). Alpha: -2.48 (bottom quartile). Alpha: -1.03 (lower mid). Alpha: -2.83 (bottom quartile). Point 9 Sharpe: 1.80 (top quartile). Sharpe: 0.73 (bottom quartile). Sharpe: 0.77 (bottom quartile). Sharpe: 1.08 (upper mid). Sharpe: 0.94 (lower mid). Point 10 Information ratio: -1.09 (bottom quartile). Information ratio: 0.00 (top quartile). Information ratio: -0.62 (lower mid). Information ratio: -0.54 (upper mid). Information ratio: -1.21 (bottom quartile). DSP World Gold Fund
DSP World Mining Fund
DSP US Flexible Equity Fund
Kotak Global Emerging Market Fund
Edelweiss Emerging Markets Opportunities Equity Off-shore 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 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." Below is the key information for DSP World Gold Fund Returns up to 1 year are on 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 Below is the key information for HDFC Long Term Advantage Fund Returns up to 1 year are on 1. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (22 Sep 25) ₹42.9199 ↑ 1.61 (3.90 %) Net Assets (Cr) ₹1,421 on 31 Aug 25 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 1.8 Information Ratio -1.09 Alpha Ratio 3.15 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 Returns for DSP World Gold Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 22 Sep 25 Duration Returns 1 Month 24.2% 3 Month 37.1% 6 Month 65.5% 1 Year 90.6% 3 Year 49.2% 5 Year 15.6% 10 Year 15 Year Since launch 8.4% 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 Aug 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
- | GDX21% ₹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
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
Purchase not allowed Returns for HDFC Long Term Advantage Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 22 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
Research Highlights for DSP World Gold Fund