ایف ڈی کیلکولیٹر - فکسڈ ڈپازٹ کیلکولیٹر

Updated on July 9, 2026 , 21843 views

فکسڈ ڈپازٹ طویل مدتی سرمایہ کاری کا آلہ ہے جو سرمایہ کاروں کی مدد کرتا ہے۔پیسے بچانا طویل مدت کے لئے. سرمایہ کار ایک مقررہ مدت کا انتخاب کر سکتے ہیں جس کے لیے ڈپازٹ کے پاس رکھا جائے گا۔بینک. عام طور پر،ایف ڈی سرمایہ کاری ان لوگوں کے لیے بہتر ہے جو طویل مدتی دولت کی تخلیق کے خواہاں ہیں کیونکہ وہ بچت کھاتوں کے مقابلے میں زیادہ شرح سود پیش کرتے ہیں۔

FD سود کا حساب کیسے لگایا جاتا ہے؟

زیادہ تر بینکوں میں، FD پر سود سہ ماہی میں بڑھایا جاتا ہے۔ اس کا فارمولا یہ ہے:

A = P * (1+ r/n) ^ n*t، کہاں

میں = اے - پی
اے = پختگی کی قیمت
پی = اصل رقم
r = شرح سود
t = سالوں کی تعداد
n = مرکب سود کی تعدد
میں = سود سے کمائی گئی رقم

ایف ڈی کے فوائد

FD بطور استعمال کیا جا سکتا ہے۔ضمانت قرض لینے کے لیے۔ آپ اپنی FD رقم پر 80-90% تک قرض لے سکتے ہیں۔
جمع کنندہ مزید فکسڈ ڈپازٹ کے لیے میچورٹی کے وقت رقم منتقل کرنے کا انتخاب کر سکتا ہے۔
رقم صرف ایک بار جمع کی جا سکتی ہے۔ ایک بار جمع ہونے کے بعد، اکاؤنٹ سے رقم نکالنے پر جرمانہ عائد ہوگا۔
FD اسکیمیں ان لوگوں کے لیے سرمایہ کاری کے اچھے اوزار ہیں جن کے پاس فاضل فنڈز ہیں اور وہ اس سے پیسہ کمانا چاہتے ہیں۔

فکسڈ ڈپازٹ (FD) کیلکولیٹر

Investment Amount:₹100,000

Interest Earned:₹28,930.22

Maturity Amount: ₹128,930.22

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ایف ڈی پر ٹیکس کے فوائد

دوسرے ذاتی ٹیکس کی بچت اور سرمایہ کاری کے آلات کی طرح، فکسڈ ڈپازٹ اسکیمیں بھی اپنی طرف متوجہ کرتی ہیں۔ٹیکس. اگر کل سود روپے سے زیادہ ہو تو FD سے جمع ہونے والے ریٹرن پر 10% کا TDS کاٹا جاتا ہے۔ 10،000 ایک مالی سال میں

آئیے اس کا موازنہ کرتے ہیں۔گھونٹ اسکیم اور آپ دیکھ سکتے ہیں کہ SIPs طویل مدتی کے لیے زیادہ فائدہ مند ہیں۔ چونکہ ایکویٹی سے طویل مدتی فوائد ٹیکس سے پاک ہوتے ہیں، اس لیے کوئی بھی ایس آئی پی جو سرمایہ کاری کرتا ہے۔ای ایل ایس ایس (ایکویٹی لنکڈباہمی چندہ) ایک سال کے بعد بھی ٹیکس سے پاک ہے۔

*ذیل میں پچھلے 1 سال کی کارکردگی اور فنڈ کی عمر> 1 سال کی بنیاد پر فنڈ کی فہرست ہے۔

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
DSP World Mining Fund Growth	₹29.5133 ↑ 0.29	₹187	500	-9.6	3.4	69.7	23.6	15	79
DSP World Gold Fund Growth	₹50.0235 ↑ 0.83	₹1,679	500	-19.8	-11.2	67.6	44.7	22.6	167.1
Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Growth	₹28.5583 ↑ 0.45	₹250	1,000	16	30	65.9	27.6	10.2	41.1
Kotak Global Emerging Market Fund Growth	₹39.397 ↑ 0.33	₹1,793	1,000	13.9	23.3	54	26	11	39.1
DSP World Energy Fund Growth	₹29.3381 ↑ 0.33	₹122	500	5.6	20.6	50.4	17.9	12.3	39.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 Jul 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP World Mining Fund	DSP World Gold Fund	Edelweiss Emerging Markets Opportunities Equity Off-shore Fund	Kotak Global Emerging Market Fund	DSP World Energy Fund
Point 1	Bottom quartile AUM (₹187 Cr).	Upper mid AUM (₹1,679 Cr).	Lower mid AUM (₹250 Cr).	Highest AUM (₹1,793 Cr).	Bottom quartile AUM (₹122 Cr).
Point 2	Established history (16+ yrs).	Oldest track record among peers (18 yrs).	Established history (12+ yrs).	Established history (18+ yrs).	Established history (16+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 14.96% (upper mid).	5Y return: 22.59% (top quartile).	5Y return: 10.19% (bottom quartile).	5Y return: 11.02% (bottom quartile).	5Y return: 12.31% (lower mid).
Point 6	3Y return: 23.57% (bottom quartile).	3Y return: 44.67% (top quartile).	3Y return: 27.56% (upper mid).	3Y return: 25.99% (lower mid).	3Y return: 17.87% (bottom quartile).
Point 7	1Y return: 69.71% (top quartile).	1Y return: 67.61% (upper mid).	1Y return: 65.94% (lower mid).	1Y return: 54.02% (bottom quartile).	1Y return: 50.38% (bottom quartile).
Point 8	Alpha: 0.00 (upper mid).	Alpha: -0.46 (bottom quartile).	Alpha: 5.56 (top quartile).	Alpha: -1.76 (bottom quartile).	Alpha: 0.00 (lower mid).
Point 9	Sharpe: 2.76 (upper mid).	Sharpe: 1.77 (bottom quartile).	Sharpe: 2.62 (lower mid).	Sharpe: 2.29 (bottom quartile).	Sharpe: 4.00 (top quartile).
Point 10	Information ratio: 0.00 (top quartile).	Information ratio: -0.78 (bottom quartile).	Information ratio: -0.40 (bottom quartile).	Information ratio: -0.25 (lower mid).	Information ratio: 0.00 (upper mid).

DSP World Mining Fund

Bottom quartile AUM (₹187 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 14.96% (upper mid).
3Y return: 23.57% (bottom quartile).
1Y return: 69.71% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 2.76 (upper mid).
Information ratio: 0.00 (top quartile).

DSP World Gold Fund

Upper mid AUM (₹1,679 Cr).
Oldest track record among peers (18 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 22.59% (top quartile).
3Y return: 44.67% (top quartile).
1Y return: 67.61% (upper mid).
Alpha: -0.46 (bottom quartile).
Sharpe: 1.77 (bottom quartile).
Information ratio: -0.78 (bottom quartile).

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Lower mid AUM (₹250 Cr).
Established history (12+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 10.19% (bottom quartile).
3Y return: 27.56% (upper mid).
1Y return: 65.94% (lower mid).
Alpha: 5.56 (top quartile).
Sharpe: 2.62 (lower mid).
Information ratio: -0.40 (bottom quartile).

Kotak Global Emerging Market Fund

Highest AUM (₹1,793 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 11.02% (bottom quartile).
3Y return: 25.99% (lower mid).
1Y return: 54.02% (bottom quartile).
Alpha: -1.76 (bottom quartile).
Sharpe: 2.29 (bottom quartile).
Information ratio: -0.25 (lower mid).

DSP World Energy Fund

Bottom quartile AUM (₹122 Cr).
Established history (16+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 12.31% (lower mid).
3Y return: 17.87% (bottom quartile).
1Y return: 50.38% (bottom quartile).
Alpha: 0.00 (lower mid).
Sharpe: 4.00 (top quartile).
Information ratio: 0.00 (upper mid).

2022 کے لیے سرفہرست فنڈز

*1 سال کی کارکردگی کی بنیاد پر بہترین فنڈز۔

1. 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 (₹187 Cr).
Established history (16+ yrs).
Top rated.
Risk profile: High.
5Y return: 14.96% (bottom quartile).
3Y return: 23.57% (bottom quartile).
1Y return: 69.71% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.76 (upper mid).
Information ratio: 0.00 (upper mid).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding BGF World Mining I2 (~96.3%).
Top-3 holdings concentration ~100.5%.

Below is the key information for DSP World Mining Fund

DSP World Mining Fund Growth
Launch Date	29 Dec 09
NAV (09 Jul 26)	₹29.5133 ↑ 0.29 (1.00 %)
Net Assets (Cr)	₹187 on 31 May 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.14
Sharpe Ratio	2.76
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 Jun 21	₹10,000
30 Jun 22	₹9,282
30 Jun 23	₹10,814
30 Jun 24	₹11,032
30 Jun 25	₹11,747
30 Jun 26	₹20,331

DSP World Mining Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 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 9 Jul 26

Duration	Returns
1 Month	-8.5%
3 Month	-9.6%
6 Month	3.4%
1 Year	69.7%
3 Year	23.6%
5 Year	15%
10 Year
15 Year
Since launch	6.8%

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	1.17 Yr.

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

Equity Sector Allocation

Sector	Value
Basic Materials	93.17%
Energy	1.11%

Asset Allocation

Asset Class	Value
Cash	5.71%
Equity	94.28%
Debt	0.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Mining I2 Investment Fund \| -	96%	₹180 Cr	141,035
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	4%	₹7 Cr
Net Receivables/Payables Net Current Assets \| -	0%	₹0 Cr

2. 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 (₹1,679 Cr).
Oldest track record among peers (18 yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 22.59% (upper mid).
3Y return: 44.67% (upper mid).
1Y return: 67.61% (bottom quartile).
Alpha: -0.46 (bottom quartile).
Sharpe: 1.77 (bottom quartile).
Information ratio: -0.78 (bottom quartile).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding BGF World Gold I2 (~68.0%).
Top-3 holdings concentration ~100.4%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (09 Jul 26)	₹50.0235 ↑ 0.83 (1.69 %)
Net Assets (Cr)	₹1,679 on 31 May 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	1.77
Information Ratio	-0.78
Alpha Ratio	-0.46
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 Jun 21	₹10,000
30 Jun 22	₹8,181
30 Jun 23	₹9,294
30 Jun 24	₹10,640
30 Jun 25	₹16,808
30 Jun 26	₹27,693

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 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 9 Jul 26

Duration	Returns
1 Month	-4.4%
3 Month	-19.8%
6 Month	-11.2%
1 Year	67.6%
3 Year	44.7%
5 Year	22.6%
10 Year
15 Year
Since launch	8.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	167.1%
2023	15.9%
2022	7%
2021	-7.7%
2020	-9%
2019	31.4%
2018	35.1%
2017	-10.7%
2016	-4%
2015	52.7%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Kaivalya Nadkarni	1 May 25	1.17 Yr.

Data below for DSP World Gold Fund as on 31 May 26

Equity Sector Allocation

Sector	Value
Basic Materials	94.47%

Asset Allocation

Asset Class	Value
Cash	3.62%
Equity	94.47%
Debt	0%
Other	1.91%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	68%	₹1,141 Cr	1,005,044
VanEck Gold Miners ETF - \| GDX	29%	₹490 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	3%	₹54 Cr
Net Receivables/Payables Net Current Assets \| -	0%	-₹6 Cr

Disclaimer:
یہاں فراہم کردہ معلومات کے درست ہونے کو یقینی بنانے کے لیے تمام کوششیں کی گئی ہیں۔ تاہم، ڈیٹا کی درستگی کے حوالے سے کوئی ضمانت نہیں دی جاتی ہے۔ براہ کرم کوئی بھی سرمایہ کاری کرنے سے پہلے اسکیم کی معلومات کے دستاویز کے ساتھ تصدیق کریں۔