ایف ڈی کیلکولیٹر - فکسڈ ڈپازٹ کیلکولیٹر

Updated on September 26, 2026 , 22091 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	₹33.2038 ↑ 0.04	₹195	500	12.1	11	51.2	29.7	20.8	79
Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Growth	₹28.6108 ↓ -0.19	₹275	1,000	-0.1	21.2	44.4	28.8	11.5	41.1
DSP World Gold Fund Growth	₹60.85 ↑ 0.25	₹1,828	500	23.7	9.6	42.1	56	30.6	167.1
Kotak Global Emerging Market Fund Growth	₹40.652 ↑ 0.13	₹1,730	1,000	-1.8	21	38.3	27.6	12.7	39.1
Franklin Asian Equity Fund Growth	₹44.8461 ↓ -0.69	₹996	500	-2.4	22.6	35.6	23.2	8.4	23.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 25 Sep 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	DSP World Mining Fund	Edelweiss Emerging Markets Opportunities Equity Off-shore Fund	DSP World Gold Fund	Kotak Global Emerging Market Fund	Franklin Asian Equity Fund
Point 1	Bottom quartile AUM (₹195 Cr).	Bottom quartile AUM (₹275 Cr).	Highest AUM (₹1,828 Cr).	Upper mid AUM (₹1,730 Cr).	Lower mid AUM (₹996 Cr).
Point 2	Established history (16+ yrs).	Established history (12+ yrs).	Oldest track record among peers (19 yrs).	Established history (19+ yrs).	Established history (18+ yrs).
Point 3	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).	Top rated.
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 20.76% (upper mid).	5Y return: 11.51% (bottom quartile).	5Y return: 30.64% (top quartile).	5Y return: 12.65% (lower mid).	5Y return: 8.37% (bottom quartile).
Point 6	3Y return: 29.75% (upper mid).	3Y return: 28.80% (lower mid).	3Y return: 56.00% (top quartile).	3Y return: 27.59% (bottom quartile).	3Y return: 23.15% (bottom quartile).
Point 7	1Y return: 51.22% (top quartile).	1Y return: 44.41% (upper mid).	1Y return: 42.07% (lower mid).	1Y return: 38.30% (bottom quartile).	1Y return: 35.63% (bottom quartile).
Point 8	Alpha: 0.00 (lower mid).	Alpha: 4.19 (top quartile).	Alpha: 4.18 (upper mid).	Alpha: -6.20 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 9	Sharpe: 1.76 (upper mid).	Sharpe: 1.80 (top quartile).	Sharpe: 1.25 (bottom quartile).	Sharpe: 1.39 (bottom quartile).	Sharpe: 1.39 (lower mid).
Point 10	Information ratio: 0.00 (top quartile).	Information ratio: -0.37 (lower mid).	Information ratio: -1.01 (bottom quartile).	Information ratio: -0.83 (bottom quartile).	Information ratio: 0.00 (upper mid).

DSP World Mining Fund

Bottom quartile AUM (₹195 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 20.76% (upper mid).
3Y return: 29.75% (upper mid).
1Y return: 51.22% (top quartile).
Alpha: 0.00 (lower mid).
Sharpe: 1.76 (upper mid).
Information ratio: 0.00 (top quartile).

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Bottom quartile AUM (₹275 Cr).
Established history (12+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 11.51% (bottom quartile).
3Y return: 28.80% (lower mid).
1Y return: 44.41% (upper mid).
Alpha: 4.19 (top quartile).
Sharpe: 1.80 (top quartile).
Information ratio: -0.37 (lower mid).

DSP World Gold Fund

Highest AUM (₹1,828 Cr).
Oldest track record among peers (19 yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 30.64% (top quartile).
3Y return: 56.00% (top quartile).
1Y return: 42.07% (lower mid).
Alpha: 4.18 (upper mid).
Sharpe: 1.25 (bottom quartile).
Information ratio: -1.01 (bottom quartile).

Kotak Global Emerging Market Fund

Upper mid AUM (₹1,730 Cr).
Established history (19+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 12.65% (lower mid).
3Y return: 27.59% (bottom quartile).
1Y return: 38.30% (bottom quartile).
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: 8.37% (bottom quartile).
3Y return: 23.15% (bottom quartile).
1Y return: 35.63% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.39 (lower mid).
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 (₹195 Cr).
Oldest track record among peers (16 yrs).
Top rated.
Risk profile: High.
5Y return: 20.76% (upper mid).
3Y return: 29.75% (upper mid).
1Y return: 51.22% (upper mid).
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 (25 Sep 26)	₹33.2038 ↑ 0.04 (0.13 %)
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
31 Aug 21	₹10,000
31 Aug 22	₹9,847
31 Aug 23	₹11,099
31 Aug 24	₹11,646
31 Aug 25	₹14,040
31 Aug 26	₹25,070

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 25 Sep 26

Duration	Returns
1 Month	-8.3%
3 Month	12.1%
6 Month	11%
1 Year	51.2%
3 Year	29.7%
5 Year	20.8%
10 Year
15 Year
Since launch	7.4%

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

2. 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).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 11.51% (bottom quartile).
3Y return: 28.80% (bottom quartile).
1Y return: 44.41% (bottom quartile).
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 (24 Sep 26)	₹28.6108 ↓ -0.19 (-0.66 %)
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
31 Aug 21	₹10,000
31 Aug 22	₹7,804
31 Aug 23	₹7,986
31 Aug 24	₹8,986
31 Aug 25	₹10,616
31 Aug 26	₹16,665

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 25 Sep 26

Duration	Returns
1 Month	2.4%
3 Month	-0.1%
6 Month	21.2%
1 Year	44.4%
3 Year	28.8%
5 Year	11.5%
10 Year
15 Year
Since launch	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

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۔