FD कैलकुलेटर - सावधि जमा कैलकुलेटर

Updated on October 13, 2026 , 22153 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

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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।

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Growth	₹27.5481 ↓ -0.21	₹275	1,000	-2.5	9.9	40.5	27.6	10	41.1
DSP World Mining Fund Growth	₹31.2407 ↓ -0.94	₹195	500	2.2	-5.5	34	28.2	16.9	79
DSP US Flexible Equity Fund Growth	₹93.3268 ↓ -0.74	₹1,270	500	-1.1	13.5	33.4	27.5	18	33.8
Kotak Global Emerging Market Fund Growth	₹38.043 ↓ -0.21	₹1,730	1,000	-2.2	8.8	30.5	24.9	10.6	39.1
Baroda Pioneer Mid-Cap Fund Growth	₹16.5124 ↑ 0.15	₹97	500	-8.1	0.1	26.2	22.5	15.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 14 Oct 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Edelweiss Emerging Markets Opportunities Equity Off-shore Fund	DSP World Mining Fund	DSP US Flexible Equity Fund	Kotak Global Emerging Market Fund	Baroda Pioneer Mid-Cap Fund
Point 1	Lower mid AUM (₹275 Cr).	Bottom quartile AUM (₹195 Cr).	Upper mid AUM (₹1,270 Cr).	Highest AUM (₹1,730 Cr).	Bottom quartile AUM (₹97 Cr).
Point 2	Established history (12+ yrs).	Established history (16+ yrs).	Established history (14+ yrs).	Oldest track record among peers (19 yrs).	Established history (16+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Top rated.	Rating: 3★ (bottom quartile).	Rating: 1★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 10.03% (bottom quartile).	5Y return: 16.85% (upper mid).	5Y return: 17.96% (top quartile).	5Y return: 10.58% (bottom quartile).	5Y return: 15.89% (lower mid).
Point 6	3Y return: 27.56% (upper mid).	3Y return: 28.18% (top quartile).	3Y return: 27.53% (lower mid).	3Y return: 24.86% (bottom quartile).	3Y return: 22.51% (bottom quartile).
Point 7	1Y return: 40.51% (top quartile).	1Y return: 33.97% (upper mid).	1Y return: 33.39% (lower mid).	1Y return: 30.54% (bottom quartile).	1Y return: 26.24% (bottom quartile).
Point 8	Alpha: 4.19 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -7.01 (bottom quartile).	Alpha: -6.20 (bottom quartile).	Alpha: 0.00 (lower mid).
Point 9	Sharpe: 1.80 (upper mid).	Sharpe: 1.76 (lower mid).	Sharpe: 1.42 (bottom quartile).	Sharpe: 1.39 (bottom quartile).	Sharpe: 3.23 (top quartile).
Point 10	Information ratio: -0.37 (bottom quartile).	Information ratio: 0.00 (top quartile).	Information ratio: -0.07 (lower mid).	Information ratio: -0.83 (bottom quartile).	Information ratio: 0.00 (upper mid).

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Lower mid AUM (₹275 Cr).
Established history (12+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 10.03% (bottom quartile).
3Y return: 27.56% (upper mid).
1Y return: 40.51% (top quartile).
Alpha: 4.19 (top quartile).
Sharpe: 1.80 (upper mid).
Information ratio: -0.37 (bottom quartile).

DSP World Mining Fund

Bottom quartile AUM (₹195 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 16.85% (upper mid).
3Y return: 28.18% (top quartile).
1Y return: 33.97% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 1.76 (lower mid).
Information ratio: 0.00 (top quartile).

DSP US Flexible Equity Fund

Upper mid AUM (₹1,270 Cr).
Established history (14+ yrs).
Top rated.
Risk profile: High.
5Y return: 17.96% (top quartile).
3Y return: 27.53% (lower mid).
1Y return: 33.39% (lower mid).
Alpha: -7.01 (bottom quartile).
Sharpe: 1.42 (bottom quartile).
Information ratio: -0.07 (lower mid).

Kotak Global Emerging Market Fund

Highest AUM (₹1,730 Cr).
Oldest track record among peers (19 yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 10.58% (bottom quartile).
3Y return: 24.86% (bottom quartile).
1Y return: 30.54% (bottom quartile).
Alpha: -6.20 (bottom quartile).
Sharpe: 1.39 (bottom quartile).
Information ratio: -0.83 (bottom quartile).

Baroda Pioneer Mid-Cap Fund

Bottom quartile AUM (₹97 Cr).
Established history (16+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: High.
5Y return: 15.89% (lower mid).
3Y return: 22.51% (bottom quartile).
1Y return: 26.24% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 3.23 (top quartile).
Information ratio: 0.00 (upper mid).

2022 के लिए शीर्ष फंड

*1 साल के प्रदर्शन के आधार पर सर्वश्रेष्ठ फंड।

1. 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

Bottom quartile AUM (₹275 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: High.
5Y return: 10.03% (bottom quartile).
3Y return: 27.56% (upper mid).
1Y return: 40.51% (upper mid).
Alpha: 4.19 (upper mid).
Sharpe: 1.80 (bottom quartile).
Information ratio: -0.37 (bottom quartile).
Top sector: Technology.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding JPM Emerging Mkts Opps I acc USD (~96.0%).
Top-3 holdings concentration ~100.3%.

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 (14 Oct 26)	₹27.5481 ↓ -0.21 (-0.74 %)
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
30 Sep 21	₹10,000
30 Sep 22	₹7,237
30 Sep 23	₹7,991
30 Sep 24	₹9,608
30 Sep 25	₹11,929
30 Sep 26	₹17,049

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund SIP 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 14 Oct 26

Duration	Returns
1 Month	-3.3%
3 Month	-2.5%
6 Month	9.9%
1 Year	40.5%
3 Year	27.6%
5 Year	10%
10 Year
15 Year
Since launch	8.6%

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	8.4 Yr.
Bharat Lahoti	1 Oct 21	4.92 Yr.

Data below for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund as on 31 Aug 26

Equity Sector Allocation

Sector	Value
Technology	36.75%
Financial Services	23.82%
Consumer Cyclical	9.38%
Communication Services	6.79%
Industrials	6.01%
Energy	3.77%
Basic Materials	2.33%
Consumer Defensive	2.2%
Utility	2%
Health Care	0.51%

Asset Allocation

Asset Class	Value
Cash	5.17%
Equity	94.83%
Debt	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
JPM Emerging Mkts Opps I acc USD Investment Fund \| -	96%	₹264 Cr	114,732 ↑ 2,676
Clearing Corporation Of India Ltd. CBLO/Reverse Repo \| -	4%	₹11 Cr
Net Receivables/(Payables) CBLO \| -	0%	₹0 Cr
Accrued Interest CBLO \| -	0%	₹0 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 (25 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

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 14 Oct 26

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
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

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।