FD कॅल्क्युलेटर - मुदत ठेव कॅल्क्युलेटर

Updated on October 16, 2025 , 21059 views

मुदत ठेवी हे दीर्घकालीन गुंतवणूक साधन आहे जे गुंतवणूकदारांना मदत करतेपैसे वाचवा दीर्घ मुदतीसाठी. गुंतवणूकदार एक निश्चित कालावधी निवडू शकतात ज्यासाठी ठेव ठेवली जाईलबँक. सामान्यतः,एफडी दीर्घकालीन संपत्ती निर्माण करणार्‍यांसाठी गुंतवणूक अधिक चांगली आहे कारण ते बचत खात्यांच्या तुलनेत उच्च व्याजदर देतात.

FD व्याज कसे मोजले जाते?

एफडीवरील व्याज बहुतेक बँकांमध्ये तिमाहीत चक्रवाढ होते. यासाठी सूत्र आहे:

A = P * (1+ r/n) ^ n*t , कुठे

आय = ए - पी
ए = परिपक्वता मूल्य
पी = मूळ रक्कम
आर = व्याजदर
ट = वर्षांची संख्या
n = चक्रवाढ व्याज वारंवारता
आय = व्याज मिळालेली रक्कम

एफडीचे फायदे

FD म्हणून वापरता येईलसंपार्श्विक कर्ज घेण्यासाठी. तुम्ही तुमच्या FD रकमेवर 80-90% पर्यंत कर्ज घेऊ शकता
ठेवीदार पुढील मुदत ठेवीसाठी मुदतपूर्तीच्या वेळी रक्कम हस्तांतरित करणे निवडू शकतो.
पैसे फक्त एकदाच जमा करता येतात. एकदा जमा केल्यानंतर, खात्यातून पैसे काढल्यास दंड जमा होईल.
ज्यांच्याकडे अतिरिक्त निधी आहे आणि ज्यांच्याकडून पैसे कमवायचे आहेत त्यांच्यासाठी FD योजना ही गुंतवणूकीची चांगली साधने आहेत.

मुदत ठेव (FD) कॅल्क्युलेटर

Investment Amount:₹100,000

Interest Earned:₹28,930.22

Maturity Amount: ₹128,930.22

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FD वर कर लाभ

इतर वैयक्तिक कर-बचत आणि गुंतवणूक साधनांप्रमाणेच, मुदत ठेवी योजना देखील आकर्षित करतातकर. एकूण व्याज रु. पेक्षा जास्त असल्यास FD मधून जमा झालेल्या परताव्यावर 10% TDS कापला जातो. १०,000 एकाच आर्थिक वर्षात.

याची तुलना करूयाSIP योजना आणि तुम्ही पाहू शकता की दीर्घ मुदतीसाठी एसआयपी अधिक फायदेशीर आहेत. इक्विटीमधून दीर्घकालीन नफा करमुक्त असल्याने, गुंतवणूक करणारी कोणतीही SIPELSS (इक्विटी लिंक्डम्युच्युअल फंड) देखील एक वर्षानंतर करमुक्त आहे.

*गेल्या 1 वर्षाच्या कामगिरीवर आणि फंडाचे वय > 1 वर्ष यावर आधारित फंडाची यादी खाली दिली आहे.

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP World Gold Fund Growth	₹48.2112 ↑ 1.12	₹1,421	500	59.9	59.9	108.4	55.2	18.1	15.9
DSP World Mining Fund Growth	₹23.6428 ↓ 0.00	₹148	500	35.4	46.5	37.7	20.7	17.7	-8.1
Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Growth	₹19.9623 ↑ 0.08	₹137	1,000	15.5	36.7	28	18.2	6	5.9
Kotak Global Emerging Market Fund Growth	₹29.77 ↑ 0.13	₹116	1,000	15.9	37.4	27.2	19.3	9.3	5.9
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 16 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP World Gold Fund	DSP World Mining Fund	Edelweiss Emerging Markets Opportunities Equity Off-shore Fund	Kotak Global Emerging Market Fund	Baroda Pioneer Mid-Cap Fund
Point 1	Highest AUM (₹1,421 Cr).	Upper mid AUM (₹148 Cr).	Lower mid AUM (₹137 Cr).	Bottom quartile AUM (₹116 Cr).	Bottom quartile AUM (₹97 Cr).
Point 2	Oldest track record among peers (18 yrs).	Established history (15+ yrs).	Established history (11+ yrs).	Established history (18+ yrs).	Established history (15+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	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: 18.05% (top quartile).	5Y return: 17.73% (upper mid).	5Y return: 6.00% (bottom quartile).	5Y return: 9.29% (bottom quartile).	5Y return: 15.89% (lower mid).
Point 6	3Y return: 55.16% (top quartile).	3Y return: 20.72% (lower mid).	3Y return: 18.22% (bottom quartile).	3Y return: 19.32% (bottom quartile).	3Y return: 22.51% (upper mid).
Point 7	1Y return: 108.36% (top quartile).	1Y return: 37.67% (upper mid).	1Y return: 28.02% (lower mid).	1Y return: 27.24% (bottom quartile).	1Y return: 26.24% (bottom quartile).
Point 8	Alpha: 3.15 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: -2.83 (bottom quartile).	Alpha: -1.03 (bottom quartile).	Alpha: 0.00 (lower mid).
Point 9	Sharpe: 1.80 (upper mid).	Sharpe: 0.73 (bottom quartile).	Sharpe: 0.94 (bottom quartile).	Sharpe: 1.08 (lower mid).	Sharpe: 3.23 (top quartile).
Point 10	Information ratio: -1.09 (bottom quartile).	Information ratio: 0.00 (top quartile).	Information ratio: -1.21 (bottom quartile).	Information ratio: -0.54 (lower mid).	Information ratio: 0.00 (upper mid).

DSP World Gold Fund

Highest AUM (₹1,421 Cr).
Oldest track record among peers (18 yrs).
Top rated.
Risk profile: High.
5Y return: 18.05% (top quartile).
3Y return: 55.16% (top quartile).
1Y return: 108.36% (top quartile).
Alpha: 3.15 (top quartile).
Sharpe: 1.80 (upper mid).
Information ratio: -1.09 (bottom quartile).

DSP World Mining Fund

Upper mid AUM (₹148 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 17.73% (upper mid).
3Y return: 20.72% (lower mid).
1Y return: 37.67% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.73 (bottom quartile).
Information ratio: 0.00 (top quartile).

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Lower mid AUM (₹137 Cr).
Established history (11+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 6.00% (bottom quartile).
3Y return: 18.22% (bottom quartile).
1Y return: 28.02% (lower mid).
Alpha: -2.83 (bottom quartile).
Sharpe: 0.94 (bottom quartile).
Information ratio: -1.21 (bottom quartile).

Kotak Global Emerging Market Fund

Bottom quartile AUM (₹116 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 9.29% (bottom quartile).
3Y return: 19.32% (bottom quartile).
1Y return: 27.24% (bottom quartile).
Alpha: -1.03 (bottom quartile).
Sharpe: 1.08 (lower mid).
Information ratio: -0.54 (lower mid).

Baroda Pioneer Mid-Cap Fund

Bottom quartile AUM (₹97 Cr).
Established history (15+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: High.
5Y return: 15.89% (lower mid).
3Y return: 22.51% (upper mid).
1Y return: 26.24% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 3.23 (top quartile).
Information ratio: 0.00 (upper mid).

2022 साठी शीर्ष निधी

*1 वर्षाच्या कामगिरीवर आधारित सर्वोत्तम निधी.

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

Highest AUM (₹1,421 Cr).
Oldest track record among peers (18 yrs).
Top rated.
Risk profile: High.
5Y return: 18.05% (upper mid).
3Y return: 55.16% (upper mid).
1Y return: 108.36% (upper mid).
Alpha: 3.15 (upper mid).
Sharpe: 1.80 (upper mid).
Information ratio: -1.09 (bottom quartile).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding BGF World Gold I2 (~76.6%).
Top-3 holdings concentration ~100.2%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (16 Oct 25)	₹48.2112 ↑ 1.12 (2.37 %)
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
30 Sep 20	₹10,000
30 Sep 21	₹7,753
30 Sep 22	₹6,406
30 Sep 23	₹7,497
30 Sep 24	₹10,968
30 Sep 25	₹21,899

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 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 16 Oct 25

Duration	Returns
1 Month	18.2%
3 Month	59.9%
6 Month	59.9%
1 Year	108.4%
3 Year	55.2%
5 Year	18.1%
10 Year
15 Year
Since launch	9.1%

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	95.55%

Asset Allocation

Asset Class	Value
Cash	1.55%
Equity	95.62%
Debt	0.01%
Other	2.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	77%	₹1,088 Cr	1,545,650 ↓ -32,885
VanEck Gold Miners ETF - \| GDX	22%	₹318 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹18 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹3 Cr

2. DSP World Mining Fund

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.

Research Highlights for DSP World Mining Fund

Bottom quartile AUM (₹148 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 17.73% (bottom quartile).
3Y return: 20.72% (bottom quartile).
1Y return: 37.67% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.73 (bottom quartile).
Information ratio: 0.00 (upper mid).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding BGF World Mining I2 (~99.1%).
Top-3 holdings concentration ~100.4%.

Below is the key information for DSP World Mining Fund

DSP World Mining Fund Growth
Launch Date	29 Dec 09
NAV (16 Oct 25)	₹23.6428 ↓ 0.00 (-0.02 %)
Net Assets (Cr)	₹148 on 31 Aug 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.14
Sharpe Ratio	0.73
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 Sep 20	₹10,000
30 Sep 21	₹12,815
30 Sep 22	₹12,989
30 Sep 23	₹15,186
30 Sep 24	₹17,544
30 Sep 25	₹22,443

DSP World Mining Fund SIP Returns

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

Returns for DSP World Mining Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Oct 25

Duration	Returns
1 Month	11.7%
3 Month	35.4%
6 Month	46.5%
1 Year	37.7%
3 Year	20.7%
5 Year	17.7%
10 Year
15 Year
Since launch	5.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-8.1%
2023	0%
2022	12.2%
2021	18%
2020	34.9%
2019	21.5%
2018	-9.4%
2017	21.1%
2016	49.7%
2015	-36%

Fund Manager information for DSP World Mining Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	12.51 Yr.

Data below for DSP World Mining Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Basic Materials	96.53%
Energy	1.47%

Asset Allocation

Asset Class	Value
Cash	1.67%
Equity	98%
Debt	0%
Other	0.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Mining I2 Investment Fund \| -	99%	₹147 Cr	196,725
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹2 Cr
Net Receivables/Payables Net Current Assets \| -	0%	₹0 Cr

Disclaimer:
येथे प्रदान केलेली माहिती अचूक असल्याची खात्री करण्यासाठी सर्व प्रयत्न केले गेले आहेत. तथापि, डेटाच्या अचूकतेबद्दल कोणतीही हमी दिली जात नाही. कृपया कोणतीही गुंतवणूक करण्यापूर्वी योजना माहिती दस्तऐवजासह सत्यापित करा.