FD ਕੈਲਕੁਲੇਟਰ - ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਕੈਲਕੁਲੇਟਰ

Updated on September 28, 2026 , 22099 views

ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਲੰਬੇ ਸਮੇਂ ਦੇ ਨਿਵੇਸ਼ ਸਾਧਨ ਹਨ ਜੋ ਨਿਵੇਸ਼ਕਾਂ ਦੀ ਮਦਦ ਕਰਦੇ ਹਨਪੈਸੇ ਬਚਾਓ ਲੰਬੇ ਸਮੇਂ ਲਈ. ਨਿਵੇਸ਼ਕ ਇੱਕ ਨਿਸ਼ਚਿਤ ਕਾਰਜਕਾਲ ਦੀ ਚੋਣ ਕਰ ਸਕਦੇ ਹਨ ਜਿਸ ਲਈ ਜਮ੍ਹਾਂ ਰਕਮ ਨੂੰ ਕੋਲ ਰੱਖਿਆ ਜਾਵੇਗਾਬੈਂਕ. ਆਮ ਤੌਰ ਤੇ,ਐੱਫ.ਡੀ ਨਿਵੇਸ਼ ਉਹਨਾਂ ਲਈ ਬਿਹਤਰ ਹੁੰਦੇ ਹਨ ਜੋ ਲੰਬੇ ਸਮੇਂ ਦੀ ਦੌਲਤ ਬਣਾਉਣ ਦੀ ਕੋਸ਼ਿਸ਼ ਕਰ ਰਹੇ ਹਨ ਕਿਉਂਕਿ ਉਹ ਬਚਤ ਖਾਤਿਆਂ ਦੇ ਮੁਕਾਬਲੇ ਉੱਚ ਵਿਆਜ ਦਰਾਂ ਦੀ ਪੇਸ਼ਕਸ਼ ਕਰਦੇ ਹਨ।

FD ਵਿਆਜ ਦੀ ਗਣਨਾ ਕਿਵੇਂ ਕੀਤੀ ਜਾਂਦੀ ਹੈ?

ਜ਼ਿਆਦਾਤਰ ਬੈਂਕਾਂ ਵਿੱਚ, FD 'ਤੇ ਵਿਆਜ ਤਿਮਾਹੀ ਵਿੱਚ ਮਿਸ਼ਰਿਤ ਹੁੰਦਾ ਹੈ। ਇਸਦੇ ਲਈ ਫਾਰਮੂਲਾ ਹੈ:

A = P * (1+ r/n) ^ n*t , ਕਿੱਥੇ

ਆਈ = ਏ - ਪੀ
ਏ = ਪਰਿਪੱਕਤਾ ਮੁੱਲ
ਪੀ = ਮੂਲ ਰਕਮ
ਆਰ = ਵਿਆਜ ਦੀ ਦਰ
ਟੀ = ਸਾਲਾਂ ਦੀ ਗਿਣਤੀ
n = ਮਿਸ਼ਰਿਤ ਵਿਆਜ ਦੀ ਬਾਰੰਬਾਰਤਾ
ਆਈ = ਵਿਆਜ ਦੀ ਕਮਾਈ ਕੀਤੀ ਰਕਮ

FD ਦੇ ਲਾਭ

FD ਦੇ ਤੌਰ 'ਤੇ ਵਰਤਿਆ ਜਾ ਸਕਦਾ ਹੈਜਮਾਂਦਰੂ ਕਰਜ਼ਾ ਲੈਣ ਲਈ। ਤੁਸੀਂ ਆਪਣੀ FD ਰਕਮ 'ਤੇ 80-90% ਤੱਕ ਲੋਨ ਲੈ ਸਕਦੇ ਹੋ
ਜਮ੍ਹਾਕਰਤਾ ਹੋਰ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਲਈ ਮਿਆਦ ਪੂਰੀ ਹੋਣ ਦੇ ਸਮੇਂ ਰਕਮ ਨੂੰ ਟ੍ਰਾਂਸਫਰ ਕਰਨ ਦੀ ਚੋਣ ਕਰ ਸਕਦਾ ਹੈ।
ਪੈਸੇ ਸਿਰਫ ਇੱਕ ਵਾਰ ਜਮ੍ਹਾ ਕੀਤੇ ਜਾ ਸਕਦੇ ਹਨ। ਇੱਕ ਵਾਰ ਜਮ੍ਹਾ ਹੋਣ 'ਤੇ, ਖਾਤੇ ਵਿੱਚੋਂ ਪੈਸੇ ਕਢਵਾਉਣ 'ਤੇ ਜੁਰਮਾਨਾ ਲੱਗੇਗਾ।
FD ਸਕੀਮਾਂ ਉਹਨਾਂ ਲਈ ਨਿਵੇਸ਼ ਦੇ ਚੰਗੇ ਸਾਧਨ ਹਨ ਜਿਨ੍ਹਾਂ ਕੋਲ ਵਾਧੂ ਫੰਡ ਹਨ ਅਤੇ ਇਸ ਤੋਂ ਪੈਸਾ ਕਮਾਉਣਾ ਚਾਹੁੰਦੇ ਹਨ।

ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ (FD) ਕੈਲਕੁਲੇਟਰ

Investment Amount:₹100,000

Interest Earned:₹28,930.22

Maturity Amount: ₹128,930.22

Ready to Invest?
Talk to our investment specialist

FD 'ਤੇ ਟੈਕਸ ਲਾਭ

ਹੋਰ ਨਿੱਜੀ ਟੈਕਸ-ਬਚਤ ਅਤੇ ਨਿਵੇਸ਼ ਸਾਧਨਾਂ ਵਾਂਗ, ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ ਸਕੀਮਾਂ ਵੀ ਆਕਰਸ਼ਿਤ ਕਰਦੀਆਂ ਹਨਟੈਕਸ. ਜੇਕਰ ਕੁੱਲ ਵਿਆਜ ਰੁਪਏ ਤੋਂ ਵੱਧ ਹੈ ਤਾਂ ਇੱਕ FD ਤੋਂ ਪ੍ਰਾਪਤ ਰਿਟਰਨ 'ਤੇ 10% ਦਾ TDS ਕੱਟਿਆ ਜਾਂਦਾ ਹੈ। 10,000 ਇੱਕ ਵਿੱਤੀ ਸਾਲ ਵਿੱਚ.

ਆਉ ਇਸਦੀ ਤੁਲਨਾ ਕਰੀਏSIP ਸਕੀਮ ਅਤੇ ਤੁਸੀਂ ਦੇਖ ਸਕਦੇ ਹੋ ਕਿ SIP ਲੰਬੇ ਸਮੇਂ ਲਈ ਵਧੇਰੇ ਫਾਇਦੇਮੰਦ ਹਨ। ਕਿਉਂਕਿ ਇਕੁਇਟੀ ਤੋਂ ਲੰਬੇ ਸਮੇਂ ਦੇ ਲਾਭ ਟੈਕਸ-ਮੁਕਤ ਹੁੰਦੇ ਹਨ, ਕੋਈ ਵੀ ਐਸਆਈਪੀ ਜੋ ਨਿਵੇਸ਼ ਕਰਦਾ ਹੈELSS (ਇਕਵਿਟੀ ਲਿੰਕਡਮਿਉਚੁਅਲ ਫੰਡ) ਵੀ ਇੱਕ ਸਾਲ ਬਾਅਦ ਟੈਕਸ-ਮੁਕਤ ਹੈ।

*ਹੇਠਾਂ ਪਿਛਲੇ 1 ਸਾਲ ਦੀ ਕਾਰਗੁਜ਼ਾਰੀ ਅਤੇ ਫੰਡ ਦੀ ਉਮਰ > 1 ਸਾਲ ਦੇ ਆਧਾਰ 'ਤੇ ਫੰਡ ਦੀ ਸੂਚੀ ਹੈ।

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Growth	₹28.2449 ↓ -0.03	₹275	1,000	0.1	20.1	43.7	28.7	11.3	41.1
DSP World Mining Fund Growth	₹32.5895 ↓ -0.10	₹195	500	9.9	10.5	43.7	28.6	20.6	79
Kotak Global Emerging Market Fund Growth	₹39.937 ↓ -0.09	₹1,730	1,000	-0.3	21.1	35.9	26.8	12.4	39.1
Franklin Asian Equity Fund Growth	₹44.4824 ↓ -0.10	₹996	500	-1.9	26.3	32.5	22.8	8.3	23.7
DSP World Gold Fund Growth	₹58.7417 ↓ -0.07	₹1,828	500	18.7	6.9	32.2	56.6	30.1	167.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Edelweiss Emerging Markets Opportunities Equity Off-shore Fund	DSP World Mining Fund	Kotak Global Emerging Market Fund	Franklin Asian Equity Fund	DSP World Gold Fund
Point 1	Bottom quartile AUM (₹275 Cr).	Bottom quartile AUM (₹195 Cr).	Upper mid AUM (₹1,730 Cr).	Lower mid AUM (₹996 Cr).	Highest AUM (₹1,828 Cr).
Point 2	Established history (12+ yrs).	Established history (16+ yrs).	Oldest track record among peers (19 yrs).	Established history (18+ yrs).	Established history (19+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Top rated.	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: 11.26% (bottom quartile).	5Y return: 20.56% (upper mid).	5Y return: 12.45% (lower mid).	5Y return: 8.29% (bottom quartile).	5Y return: 30.10% (top quartile).
Point 6	3Y return: 28.72% (upper mid).	3Y return: 28.56% (lower mid).	3Y return: 26.85% (bottom quartile).	3Y return: 22.79% (bottom quartile).	3Y return: 56.58% (top quartile).
Point 7	1Y return: 43.74% (top quartile).	1Y return: 43.73% (upper mid).	1Y return: 35.92% (lower mid).	1Y return: 32.52% (bottom quartile).	1Y return: 32.18% (bottom quartile).
Point 8	Alpha: 4.19 (top quartile).	Alpha: 0.00 (lower mid).	Alpha: -6.20 (bottom quartile).	Alpha: 0.00 (bottom quartile).	Alpha: 4.18 (upper mid).
Point 9	Sharpe: 1.80 (top quartile).	Sharpe: 1.76 (upper mid).	Sharpe: 1.39 (bottom quartile).	Sharpe: 1.39 (lower mid).	Sharpe: 1.25 (bottom quartile).
Point 10	Information ratio: -0.37 (lower mid).	Information ratio: 0.00 (top quartile).	Information ratio: -0.83 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: -1.01 (bottom quartile).

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Bottom quartile AUM (₹275 Cr).
Established history (12+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 11.26% (bottom quartile).
3Y return: 28.72% (upper mid).
1Y return: 43.74% (top quartile).
Alpha: 4.19 (top quartile).
Sharpe: 1.80 (top quartile).
Information ratio: -0.37 (lower mid).

DSP World Mining Fund

Bottom quartile AUM (₹195 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 20.56% (upper mid).
3Y return: 28.56% (lower mid).
1Y return: 43.73% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.76 (upper mid).
Information ratio: 0.00 (top quartile).

Kotak Global Emerging Market Fund

Upper mid AUM (₹1,730 Cr).
Oldest track record among peers (19 yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 12.45% (lower mid).
3Y return: 26.85% (bottom quartile).
1Y return: 35.92% (lower mid).
Alpha: -6.20 (bottom quartile).
Sharpe: 1.39 (bottom quartile).
Information ratio: -0.83 (bottom quartile).

Franklin Asian Equity Fund

Lower mid AUM (₹996 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 8.29% (bottom quartile).
3Y return: 22.79% (bottom quartile).
1Y return: 32.52% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.39 (lower mid).
Information ratio: 0.00 (upper mid).

DSP World Gold Fund

Highest AUM (₹1,828 Cr).
Established history (19+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 30.10% (top quartile).
3Y return: 56.58% (top quartile).
1Y return: 32.18% (bottom quartile).
Alpha: 4.18 (upper mid).
Sharpe: 1.25 (bottom quartile).
Information ratio: -1.01 (bottom quartile).

2022 ਲਈ ਪ੍ਰਮੁੱਖ ਫੰਡ

*1 ਸਾਲ ਦੀ ਕਾਰਗੁਜ਼ਾਰੀ ਦੇ ਆਧਾਰ 'ਤੇ ਵਧੀਆ ਫੰਡ।

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

Highest AUM (₹275 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: High.
5Y return: 11.26% (bottom quartile).
3Y return: 28.72% (upper mid).
1Y return: 43.74% (upper mid).
Alpha: 4.19 (upper mid).
Sharpe: 1.80 (upper mid).
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 (29 Sep 26)	₹28.2449 ↓ -0.03 (-0.10 %)
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

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 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 29 Sep 26

Duration	Returns
1 Month	-0.5%
3 Month	0.1%
6 Month	20.1%
1 Year	43.7%
3 Year	28.7%
5 Year	11.3%
10 Year
15 Year
Since launch	8.9%

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	8.4 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. 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 (₹195 Cr).
Oldest track record among peers (16 yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 20.56% (upper mid).
3Y return: 28.56% (bottom quartile).
1Y return: 43.73% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.76 (bottom quartile).
Information ratio: 0.00 (upper mid).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Mining I2 (~96.2%).
Top-3 holdings concentration ~100.3%.

Below is the key information for DSP World Mining Fund

DSP World Mining Fund Growth
Launch Date	29 Dec 09
NAV (29 Sep 26)	₹32.5895 ↓ -0.10 (-0.29 %)
Net Assets (Cr)	₹195 on 31 Aug 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.14
Sharpe Ratio	1.76
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 21	₹10,000
30 Sep 22	₹10,135
30 Sep 23	₹11,850
30 Sep 24	₹13,690
30 Sep 25	₹17,513

DSP World Mining Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 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 29 Sep 26

Duration	Returns
1 Month	-10.6%
3 Month	9.9%
6 Month	10.5%
1 Year	43.7%
3 Year	28.6%
5 Year	20.6%
10 Year
15 Year
Since launch	7.3%

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	1.34 Yr.

Data below for DSP World Mining Fund as on 31 Aug 26

Equity Sector Allocation

Sector	Value
Basic Materials	94.51%
Energy	0.85%

Asset Allocation

Asset Class	Value
Cash	4.64%
Equity	95.36%
Debt	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Mining I2 Investment Fund \| -	96%	₹187 Cr	139,088 ↓ -1,946
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	4%	₹8 Cr
Net Receivables/Payables Net Current Assets \| -	0%	₹0 Cr

Disclaimer:
ਇਹ ਯਕੀਨੀ ਬਣਾਉਣ ਲਈ ਸਾਰੇ ਯਤਨ ਕੀਤੇ ਗਏ ਹਨ ਕਿ ਇੱਥੇ ਦਿੱਤੀ ਗਈ ਜਾਣਕਾਰੀ ਸਹੀ ਹੈ। ਹਾਲਾਂਕਿ, ਡੇਟਾ ਦੀ ਸ਼ੁੱਧਤਾ ਬਾਰੇ ਕੋਈ ਗਾਰੰਟੀ ਨਹੀਂ ਦਿੱਤੀ ਗਈ ਹੈ। ਕਿਰਪਾ ਕਰਕੇ ਕੋਈ ਵੀ ਨਿਵੇਸ਼ ਕਰਨ ਤੋਂ ਪਹਿਲਾਂ ਸਕੀਮ ਜਾਣਕਾਰੀ ਦਸਤਾਵੇਜ਼ ਨਾਲ ਤਸਦੀਕ ਕਰੋ।