ایف ڈی کیلکولیٹر - فکسڈ ڈپازٹ کیلکولیٹر

Updated on November 26, 2025 , 21208 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 Gold Fund Growth	₹47.8166 ↑ 1.54	₹1,498	500	33.8	63.2	126.1	45.4	21.3	15.9
DSP World Mining Fund Growth	₹24.2577 ↑ 0.27	₹169	500	24	46	47.7	15.1	16.8	-8.1
Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Growth	₹20.5882 ↑ 0.03	₹164	1,000	13.3	26.7	37.6	16.4	4.4	5.9
Invesco India Feeder- Invesco Pan European Equity Fund Growth	₹21.1523 ↑ 0.27	₹103	500	6.4	12.7	36.2	16.6	13.8	-5.1
DSP US Flexible Equity Fund Growth	₹74.67 ↑ 1.23	₹1,091	500	10.9	30	32.7	22	17.1	17.8
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 26 Nov 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	Invesco India Feeder- Invesco Pan European Equity Fund	DSP US Flexible Equity Fund
Point 1	Highest AUM (₹1,498 Cr).	Lower mid AUM (₹169 Cr).	Bottom quartile AUM (₹164 Cr).	Bottom quartile AUM (₹103 Cr).	Upper mid AUM (₹1,091 Cr).
Point 2	Oldest track record among peers (18 yrs).	Established history (15+ yrs).	Established history (11+ yrs).	Established history (11+ yrs).	Established history (13+ 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: 21.32% (top quartile).	5Y return: 16.76% (lower mid).	5Y return: 4.41% (bottom quartile).	5Y return: 13.81% (bottom quartile).	5Y return: 17.07% (upper mid).
Point 6	3Y return: 45.39% (top quartile).	3Y return: 15.10% (bottom quartile).	3Y return: 16.41% (bottom quartile).	3Y return: 16.55% (lower mid).	3Y return: 22.02% (upper mid).
Point 7	1Y return: 126.05% (top quartile).	1Y return: 47.75% (upper mid).	1Y return: 37.64% (lower mid).	1Y return: 36.19% (bottom quartile).	1Y return: 32.67% (bottom quartile).
Point 8	Alpha: -4.16 (bottom quartile).	Alpha: 0.00 (lower mid).	Alpha: 1.28 (upper mid).	Alpha: 0.00 (bottom quartile).	Alpha: 3.17 (top quartile).
Point 9	Sharpe: 1.83 (upper mid).	Sharpe: 1.28 (bottom quartile).	Sharpe: 2.24 (top quartile).	Sharpe: 1.57 (lower mid).	Sharpe: 1.31 (bottom quartile).
Point 10	Information ratio: -1.04 (bottom quartile).	Information ratio: 0.00 (top quartile).	Information ratio: -0.93 (bottom quartile).	Information ratio: 0.00 (upper mid).	Information ratio: -0.28 (lower mid).

DSP World Gold Fund

Highest AUM (₹1,498 Cr).
Oldest track record among peers (18 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 21.32% (top quartile).
3Y return: 45.39% (top quartile).
1Y return: 126.05% (top quartile).
Alpha: -4.16 (bottom quartile).
Sharpe: 1.83 (upper mid).
Information ratio: -1.04 (bottom quartile).

DSP World Mining Fund

Lower mid AUM (₹169 Cr).
Established history (15+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 16.76% (lower mid).
3Y return: 15.10% (bottom quartile).
1Y return: 47.75% (upper mid).
Alpha: 0.00 (lower mid).
Sharpe: 1.28 (bottom quartile).
Information ratio: 0.00 (top quartile).

Edelweiss Emerging Markets Opportunities Equity Off-shore Fund

Bottom quartile AUM (₹164 Cr).
Established history (11+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 4.41% (bottom quartile).
3Y return: 16.41% (bottom quartile).
1Y return: 37.64% (lower mid).
Alpha: 1.28 (upper mid).
Sharpe: 2.24 (top quartile).
Information ratio: -0.93 (bottom quartile).

Invesco India Feeder- Invesco Pan European Equity Fund

Bottom quartile AUM (₹103 Cr).
Established history (11+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 13.81% (bottom quartile).
3Y return: 16.55% (lower mid).
1Y return: 36.19% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.57 (lower mid).
Information ratio: 0.00 (upper mid).

DSP US Flexible Equity Fund

Upper mid AUM (₹1,091 Cr).
Established history (13+ yrs).
Top rated.
Risk profile: High.
5Y return: 17.07% (upper mid).
3Y return: 22.02% (upper mid).
1Y return: 32.67% (bottom quartile).
Alpha: 3.17 (top quartile).
Sharpe: 1.31 (bottom quartile).
Information ratio: -0.28 (lower mid).

2022 کے لیے سرفہرست فنڈز

*1 سال کی کارکردگی کی بنیاد پر بہترین فنڈز۔

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 (₹1,498 Cr).
Oldest track record among peers (18 yrs).
Top rated.
Risk profile: High.
5Y return: 21.32% (upper mid).
3Y return: 45.39% (upper mid).
1Y return: 126.05% (upper mid).
Alpha: -4.16 (bottom quartile).
Sharpe: 1.83 (upper mid).
Information ratio: -1.04 (bottom quartile).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding BGF World Gold I2 (~75.3%).
Top-3 holdings concentration ~101.3%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (26 Nov 25)	₹47.8166 ↑ 1.54 (3.32 %)
Net Assets (Cr)	₹1,498 on 31 Oct 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	1.83
Information Ratio	-1.04
Alpha Ratio	-4.16
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 Oct 20	₹10,000
31 Oct 21	₹9,021
31 Oct 22	₹6,936
31 Oct 23	₹8,194
31 Oct 24	₹11,716
31 Oct 25	₹21,909

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 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 26 Nov 25

Duration	Returns
1 Month	12.4%
3 Month	33.8%
6 Month	63.2%
1 Year	126.1%
3 Year	45.4%
5 Year	21.3%
10 Year
15 Year
Since launch	9%

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	12.68 Yr.

Data below for DSP World Gold Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Basic Materials	95.15%

Asset Allocation

Asset Class	Value
Cash	2.29%
Equity	95.15%
Debt	0.02%
Other	2.54%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	75%	₹1,127 Cr	1,347,933 ↓ -108,097
VanEck Gold Miners ETF - \| GDX	24%	₹367 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	2%	₹23 Cr
Net Receivables/Payables Net Current Assets \| -	1%	-₹20 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 (₹169 Cr).
Established history (15+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 16.76% (bottom quartile).
3Y return: 15.10% (bottom quartile).
1Y return: 47.75% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 1.28 (bottom quartile).
Information ratio: 0.00 (upper mid).
Top sector: Basic Materials.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding BGF World Mining I2 (~98.8%).
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 (27 Nov 25)	₹24.2577 ↑ 0.27 (1.13 %)
Net Assets (Cr)	₹169 on 31 Oct 25
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.14
Sharpe Ratio	1.28
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 Oct 20	₹10,000
31 Oct 21	₹13,881
31 Oct 22	₹13,855
31 Oct 23	₹14,251
31 Oct 24	₹16,669
31 Oct 25	₹22,688

DSP World Mining Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 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 26 Nov 25

Duration	Returns
1 Month	10.3%
3 Month	24%
6 Month	46%
1 Year	47.7%
3 Year	15.1%
5 Year	16.8%
10 Year
15 Year
Since launch	5.7%

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	12.68 Yr.

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

Equity Sector Allocation

Sector	Value
Basic Materials	96.18%
Energy	1.1%

Asset Allocation

Asset Class	Value
Cash	2.35%
Equity	97.28%
Debt	0.01%
Other	0.36%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Mining I2 Investment Fund \| -	99%	₹167 Cr	193,620 ↓ -1,404
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	1%	₹2 Cr
Net Receivables/Payables Net Current Assets \| -	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۔