FD ಕ್ಯಾಲ್ಕುಲೇಟರ್ - ಸ್ಥಿರ ಠೇವಣಿ ಕ್ಯಾಲ್ಕುಲೇಟರ್

Updated on November 12, 2026 , 22248 views

ಸ್ಥಿರ ಠೇವಣಿಗಳು ಹೂಡಿಕೆದಾರರಿಗೆ ಸಹಾಯ ಮಾಡುವ ದೀರ್ಘಾವಧಿಯ ಹೂಡಿಕೆ ಸಾಧನವಾಗಿದೆಹಣ ಉಳಿಸಿ ದೀರ್ಘಾವಧಿಗೆ. ಹೂಡಿಕೆದಾರರು ನಿಗದಿತ ಅವಧಿಯನ್ನು ಆಯ್ಕೆ ಮಾಡಬಹುದು, ಇದಕ್ಕಾಗಿ ಠೇವಣಿ ಇರಿಸಲಾಗುವುದುಬ್ಯಾಂಕ್. ಸಾಮಾನ್ಯವಾಗಿ,FD ಉಳಿತಾಯ ಖಾತೆಗಳಿಗೆ ಹೋಲಿಸಿದರೆ ಹೆಚ್ಚಿನ ಬಡ್ಡಿದರಗಳನ್ನು ನೀಡುವುದರಿಂದ ದೀರ್ಘಾವಧಿಯ ಸಂಪತ್ತು ಸೃಷ್ಟಿಗಾಗಿ ಹುಡುಕುತ್ತಿರುವವರಿಗೆ ಹೂಡಿಕೆಗಳು ಉತ್ತಮವಾಗಿವೆ.

FD ಬಡ್ಡಿಯನ್ನು ಹೇಗೆ ಲೆಕ್ಕ ಹಾಕಲಾಗುತ್ತದೆ?

ಹೆಚ್ಚಿನ ಬ್ಯಾಂಕ್‌ಗಳಲ್ಲಿ FD ಮೇಲಿನ ಬಡ್ಡಿಯನ್ನು ತ್ರೈಮಾಸಿಕವಾಗಿ ಸಂಯೋಜಿಸಲಾಗುತ್ತದೆ. ಇದರ ಸೂತ್ರವು ಹೀಗಿದೆ:

A = P * (1+ r/n) ^ n*t , ಅಲ್ಲಿ

I = ಎ - ಪಿ
ಎ = ಮುಕ್ತಾಯ ಮೌಲ್ಯ
ಪ = ಪ್ರಧಾನ ಮೊತ್ತ
ಆರ್ = ಬಡ್ಡಿ ದರ
ಟಿ = ವರ್ಷಗಳ ಸಂಖ್ಯೆ
ಎನ್ = ಸಂಯೋಜಿತ ಬಡ್ಡಿ ಆವರ್ತನ
I = ಬಡ್ಡಿ ಗಳಿಸಿದ ಮೊತ್ತ

FD ಯ ಪ್ರಯೋಜನಗಳು

FD ಅನ್ನು ಬಳಸಬಹುದುಮೇಲಾಧಾರ ಸಾಲ ತೆಗೆದುಕೊಳ್ಳಲು. ನಿಮ್ಮ FD ಮೊತ್ತದ ಮೇಲೆ ನೀವು 80-90% ವರೆಗೆ ಲೋನ್‌ಗಳನ್ನು ತೆಗೆದುಕೊಳ್ಳಬಹುದು
ಠೇವಣಿದಾರರು ಮತ್ತಷ್ಟು ಸ್ಥಿರ ಠೇವಣಿಗಾಗಿ ಮುಕ್ತಾಯದ ಸಮಯದಲ್ಲಿ ಮೊತ್ತವನ್ನು ವರ್ಗಾಯಿಸಲು ಆಯ್ಕೆ ಮಾಡಬಹುದು.
ಹಣವನ್ನು ಒಮ್ಮೆ ಮಾತ್ರ ಠೇವಣಿ ಮಾಡಬಹುದು. ಒಮ್ಮೆ ಠೇವಣಿ ಮಾಡಿದ ನಂತರ, ಖಾತೆಯಿಂದ ಹಣವನ್ನು ಹಿಂಪಡೆಯಲು ದಂಡ ವಿಧಿಸಲಾಗುತ್ತದೆ.
FD ಯೋಜನೆಗಳು ಹೆಚ್ಚುವರಿ ಹಣವನ್ನು ಹೊಂದಿರುವವರಿಗೆ ಮತ್ತು ಅದರಿಂದ ಹಣವನ್ನು ಗಳಿಸಲು ಬಯಸುವವರಿಗೆ ಉತ್ತಮ ಹೂಡಿಕೆ ಸಾಧನಗಳಾಗಿವೆ.

ಸ್ಥಿರ ಠೇವಣಿ (FD) ಕ್ಯಾಲ್ಕುಲೇಟರ್

Investment Amount:₹100,000

Interest Earned:₹28,930.22

Maturity Amount: ₹128,930.22

Ready to Invest?
Talk to our investment specialist

FD ಮೇಲಿನ ತೆರಿಗೆ ಪ್ರಯೋಜನಗಳು

ಇತರ ವೈಯಕ್ತಿಕ ತೆರಿಗೆ-ಉಳಿತಾಯ ಮತ್ತು ಹೂಡಿಕೆ ಸಾಧನಗಳಂತೆಯೇ, ಸ್ಥಿರ ಠೇವಣಿ ಯೋಜನೆಗಳು ಸಹ ಆಕರ್ಷಿಸುತ್ತವೆತೆರಿಗೆಗಳು. ಒಟ್ಟು ಬಡ್ಡಿಯು ರೂ.ಗಿಂತ ಹೆಚ್ಚಿದ್ದರೆ FD ಯಿಂದ ಸಂಚಿತವಾದ ಆದಾಯದ ಮೇಲೆ 10% TDS ಅನ್ನು ಕಡಿತಗೊಳಿಸಲಾಗುತ್ತದೆ. 10,000 ಒಂದೇ ಆರ್ಥಿಕ ವರ್ಷದಲ್ಲಿ.

ಇದನ್ನು ಹೋಲಿಕೆ ಮಾಡೋಣSIP ಯೋಜನೆ ಮತ್ತು SIP ಗಳು ದೀರ್ಘಾವಧಿಗೆ ಹೆಚ್ಚು ಪ್ರಯೋಜನಕಾರಿ ಎಂದು ನೀವು ನೋಡಬಹುದು. ಈಕ್ವಿಟಿಯಿಂದ ದೀರ್ಘಾವಧಿಯ ಲಾಭಗಳು ತೆರಿಗೆ-ಮುಕ್ತವಾಗಿರುವುದರಿಂದ, ಹೂಡಿಕೆ ಮಾಡುವ ಯಾವುದೇ SIPELSS (ಇಕ್ವಿಟಿ ಲಿಂಕ್ಡ್ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು) ಒಂದು ವರ್ಷದ ನಂತರ ತೆರಿಗೆ ಮುಕ್ತವಾಗಿದೆ.

*ಕಳೆದ 1 ವರ್ಷದ ಕಾರ್ಯಕ್ಷಮತೆ ಮತ್ತು ನಿಧಿಯ ವಯಸ್ಸು > 1 ವರ್ಷವನ್ನು ಆಧರಿಸಿದ ನಿಧಿಯ ಪಟ್ಟಿಯನ್ನು ಕೆಳಗೆ ನೀಡಲಾಗಿದೆ.

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
Baroda Pioneer Mid-Cap Fund Growth	₹16.5124 ↑ 0.15	₹97	500	-8.1	0.1	26.2	22.5	15.9
Motilal Oswal Focused 25 Fund Growth	₹55.7045 ↑ 0.08	₹1,845	500	5.1	22.6	26.1	14.3	10	-1.7
SBI Healthcare Opportunities Fund Growth	₹541.276 ↓ -0.06	₹5,870	500	4.2	18.4	24.8	24.1	19.4	-3.5
Sundaram Select Focus Fund Growth	₹264.968 ↓ -1.18	₹1,354	100	-5	8.5	24.5	17	17.3
DSP World Mining Fund Growth	₹29.3171 ↓ -0.81	₹176	500	-13.8	-14.4	24	27.5	15.6	79
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 11 Mar 22

Research Highlights & Commentary of 5 Funds showcased

Commentary	Baroda Pioneer Mid-Cap Fund	Motilal Oswal Focused 25 Fund	SBI Healthcare Opportunities Fund	Sundaram Select Focus Fund	DSP World Mining Fund
Point 1	Bottom quartile AUM (₹97 Cr).	Upper mid AUM (₹1,845 Cr).	Highest AUM (₹5,870 Cr).	Lower mid AUM (₹1,354 Cr).	Bottom quartile AUM (₹176 Cr).
Point 2	Established history (16+ yrs).	Established history (13+ yrs).	Established history (21+ yrs).	Oldest track record among peers (24 yrs).	Established history (16+ yrs).
Point 3	Rating: 1★ (bottom quartile).	Top rated.	Rating: 2★ (bottom quartile).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).
Point 4	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.
Point 5	5Y return: 15.89% (lower mid).	5Y return: 10.00% (bottom quartile).	5Y return: 19.39% (top quartile).	5Y return: 17.29% (upper mid).	5Y return: 15.64% (bottom quartile).
Point 6	3Y return: 22.51% (lower mid).	3Y return: 14.27% (bottom quartile).	3Y return: 24.14% (upper mid).	3Y return: 17.03% (bottom quartile).	3Y return: 27.52% (top quartile).
Point 7	1Y return: 26.24% (top quartile).	1Y return: 26.05% (upper mid).	1Y return: 24.82% (lower mid).	1Y return: 24.49% (bottom quartile).	1Y return: 23.96% (bottom quartile).
Point 8	Alpha: 0.00 (lower mid).	Alpha: 25.82 (top quartile).	Alpha: 3.63 (upper mid).	Alpha: -5.62 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: 3.23 (top quartile).	Sharpe: 1.06 (lower mid).	Sharpe: 0.95 (bottom quartile).	Sharpe: 1.85 (upper mid).	Sharpe: 1.05 (bottom quartile).
Point 10	Information ratio: 0.00 (lower mid).	Information ratio: 0.36 (top quartile).	Information ratio: 0.10 (upper mid).	Information ratio: -0.52 (bottom quartile).	Information ratio: 0.00 (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% (lower mid).
1Y return: 26.24% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 3.23 (top quartile).
Information ratio: 0.00 (lower mid).

Motilal Oswal Focused 25 Fund

Upper mid AUM (₹1,845 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 10.00% (bottom quartile).
3Y return: 14.27% (bottom quartile).
1Y return: 26.05% (upper mid).
Alpha: 25.82 (top quartile).
Sharpe: 1.06 (lower mid).
Information ratio: 0.36 (top quartile).

SBI Healthcare Opportunities Fund

Highest AUM (₹5,870 Cr).
Established history (21+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 19.39% (top quartile).
3Y return: 24.14% (upper mid).
1Y return: 24.82% (lower mid).
Alpha: 3.63 (upper mid).
Sharpe: 0.95 (bottom quartile).
Information ratio: 0.10 (upper mid).

Sundaram Select Focus Fund

Lower mid AUM (₹1,354 Cr).
Oldest track record among peers (24 yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately High.
5Y return: 17.29% (upper mid).
3Y return: 17.03% (bottom quartile).
1Y return: 24.49% (bottom quartile).
Alpha: -5.62 (bottom quartile).
Sharpe: 1.85 (upper mid).
Information ratio: -0.52 (bottom quartile).

DSP World Mining Fund

Bottom quartile AUM (₹176 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 15.64% (bottom quartile).
3Y return: 27.52% (top quartile).
1Y return: 23.96% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.05 (bottom quartile).
Information ratio: 0.00 (bottom quartile).

2022 ರ ಟಾಪ್ ಫಂಡ್‌ಗಳು

*1 ವರ್ಷದ ಕಾರ್ಯಕ್ಷಮತೆಯ ಆಧಾರದ ಮೇಲೆ ಉತ್ತಮ ನಿಧಿಗಳು.

1. 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

Bottom quartile AUM (₹1,318 Cr).
Oldest track record among peers (25 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 17.39% (upper mid).
3Y return: 20.64% (upper mid).
1Y return: 35.51% (upper mid).
Alpha: 1.75 (bottom quartile).
Sharpe: 2.27 (upper mid).
Information ratio: -0.15 (bottom quartile).

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 Jan 22

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

2. Motilal Oswal Focused 25 Fund

(Erstwhile Motilal Oswal MOSt Focused 25 Fund)

The investment objective of the Scheme is to achieve long term capital appreciation by investing in upto 25 companies with long term sustainable competitive advantage and growth potential. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Research Highlights for Motilal Oswal Focused 25 Fund

Highest AUM (₹1,845 Cr).
Established history (13+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 10.00% (bottom quartile).
3Y return: 14.27% (bottom quartile).
1Y return: 26.05% (bottom quartile).
Alpha: 25.82 (upper mid).
Sharpe: 1.06 (bottom quartile).
Information ratio: 0.36 (upper mid).
Top sector: Industrials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~91%).
Largest holding ICICI Prudential Asset Management Co Ltd (~3.9%).

Below is the key information for Motilal Oswal Focused 25 Fund

Motilal Oswal Focused 25 Fund Growth
Launch Date	7 May 13
NAV (13 Nov 26)	₹55.7045 ↑ 0.08 (0.14 %)
Net Assets (Cr)	₹1,845 on 30 Sep 26
Category	Equity - Focused
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.97
Sharpe Ratio	1.06
Information Ratio	0.36
Alpha Ratio	25.82
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 21	₹10,000
31 Oct 22	₹10,026
31 Oct 23	₹10,603
31 Oct 24	₹13,760
31 Oct 25	₹12,987
31 Oct 26	₹15,362

Motilal Oswal Focused 25 Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 Invest Now

Returns for Motilal Oswal Focused 25 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 Jan 22

Duration	Returns
1 Month	3.1%
3 Month	5.1%
6 Month	22.6%
1 Year	26.1%
3 Year	14.3%
5 Year	10%
10 Year
15 Year
Since launch	13.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	-1.7%
2024	13.6%
2023	18.8%
2022	2%
2021	14.6%
2020	17.3%
2019	17.1%
2018	-4.2%
2017	32.2%
2016	2.8%

Fund Manager information for Motilal Oswal Focused 25 Fund

Name	Since	Tenure
Varun Sharma	14 Aug 25	1.13 Yr.
Swapnil Mayekar	18 Nov 25	0.87 Yr.
Ankit Agarwal	5 Aug 25	1.15 Yr.
Rakesh Shetty	22 Nov 22	3.86 Yr.

Data below for Motilal Oswal Focused 25 Fund as on 30 Sep 26

Equity Sector Allocation

Sector	Value
Industrials	26.53%
Financial Services	22.3%
Consumer Cyclical	16%
Technology	15.2%
Health Care	5.22%
Basic Materials	3.1%
Real Estate	2.75%

Asset Allocation

Asset Class	Value
Cash	8.88%
Equity	91.12%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Prudential Asset Management Co Ltd (Financial Services) Equity, Since 31 Jan 26 \| ICICIAMC	4%	₹71 Cr	226,973 ↑ 3,019
Sansera Engineering Ltd (Consumer Cyclical) Equity, Since 31 Jul 26 \| SANSERA	4%	₹70 Cr	154,945 ↑ 9,197
State Bank of India (Financial Services) Equity, Since 31 Aug 26 \| SBIN	4%	₹68 Cr	713,866 ↑ 288,015
Coforge Ltd (Technology) Equity, Since 31 Jul 26 \| COFORGE	4%	₹68 Cr	390,941 ↑ 35,262
Syrma SGS Technology Ltd (Technology) Equity, Since 31 May 26 \| SYRMA	4%	₹68 Cr	380,031 ↑ 18,068
One97 Communications Ltd (Technology) Equity, Since 30 Apr 23 \| PAYTM	4%	₹65 Cr	388,552 ↑ 33,028
Shadowfax Technologies Ltd (Industrials) Equity, Since 30 Jun 26 \| SHADOWFAX	4%	₹65 Cr	2,324,205 ↑ 161,769
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Jan 26 \| ETERNAL	4%	₹65 Cr	2,034,833 ↑ 85,325
PNB Housing Finance Ltd (Financial Services) Equity, Since 31 May 26 \| PNBHOUSING	3%	₹64 Cr	568,670
Aditya Infotech Ltd (Industrials) Equity, Since 28 Feb 26 \| CPPLUS	3%	₹64 Cr	165,246 ↓ -21,000

Disclaimer:
ಇಲ್ಲಿ ಒದಗಿಸಲಾದ ಮಾಹಿತಿಯು ನಿಖರವಾಗಿದೆ ಎಂದು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಲು ಎಲ್ಲಾ ಪ್ರಯತ್ನಗಳನ್ನು ಮಾಡಲಾಗಿದೆ. ಆದಾಗ್ಯೂ, ಡೇಟಾದ ನಿಖರತೆಯ ಬಗ್ಗೆ ಯಾವುದೇ ಗ್ಯಾರಂಟಿಗಳನ್ನು ನೀಡಲಾಗುವುದಿಲ್ಲ. ಯಾವುದೇ ಹೂಡಿಕೆ ಮಾಡುವ ಮೊದಲು ದಯವಿಟ್ಟು ಸ್ಕೀಮ್ ಮಾಹಿತಿ ದಾಖಲೆಯೊಂದಿಗೆ ಪರಿಶೀಲಿಸಿ.