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FD Calculator - Fixed Deposit Calculator
Fixed Deposits are long-term investment tool which helps investors save money for the long term. Investors can choose a fixed tenure for which the deposit will be kept with the Bank. In general, FD investments are better for those looking for long-term wealth creation as they offer high interest rates as compared to savings accounts.
How is FD interest Calculated?
Interest on FD is compounded quarterly, in most banks. The formula for this is:
A = P * (1+ r/n) ^ n*t , where
- I = A – P
- A = Maturity value
- P = Principal amount
- r = rate of interest
- t = Number of years
- n = Compounded interest frequency
- I = Interest earned amount
Benefits of FD
- FD can be used as Collateral for taking loans. You can take up to 80-90% loans on your FD amount
- The depositor can choose to transfer the amount at the time of maturity for a further Fixed Deposit.
- The money can be deposited only once. Once deposited, withdrawal of money from the account will accrue a penalty.
- FD schemes are good investment tools for those who have surplus funds and want to earn money from it.
Investment Amount:₹100,000 Interest Earned:₹28,930.22 Maturity Amount: ₹128,930.22Fixed Deposit (FD) Calculator
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Tax Benefits on FD
Similar to other personal tax-saving and investment instruments, Fixed Deposits schemes also attract Taxes. A TDS of 10% is deducted on the returns accrued from an FD if the total interest exceeds Rs. 10,000 in a single financial year.
Let’s compare this to the SIP scheme and you can see that SIPs are more beneficial for the long term. Since long-term gains from equity are tax-free, any SIP which invests in ELSS (Equity Linked Mutual Funds) is also tax-free after one year.
*Below is the list of fund based on last 1 year performance & having fund age > 1 year.
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2023 (%) DSP BlackRock World Gold Fund Growth ₹22.0182
↓ -0.27 ₹947 500 -6.7 9.6 41.6 9.9 8.4 15.9 Principal Emerging Bluechip Fund Growth ₹183.316
↑ 2.03 ₹3,124 100 2.9 13.6 38.9 21.9 19.2 Motilal Oswal Midcap 30 Fund Growth ₹93.6567
↓ -0.90 ₹26,421 500 -10 -5.2 28.2 27.8 27 57.1 SBI Healthcare Opportunities Fund Growth ₹404.222
↓ -9.00 ₹3,628 500 -1.3 6.5 27 23.1 26.4 42.2 Franklin India Feeder - Franklin U S Opportunities Fund Growth ₹74.5566
↓ -1.89 ₹3,749 500 4.8 14.4 26.6 15.2 15.8 27.1 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Jan 25
Top Funds for 2025
*Best funds based on 1 year performance.
"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." DSP BlackRock World Gold Fund is a Equity - Global fund was launched on 14 Sep 07. It is a fund with High risk and has given a Below is the key information for DSP BlackRock World Gold Fund Returns up to 1 year are on The primary objective of the Scheme is to achieve long-term capital appreciation by investing in equity & equity related instruments of mid cap & small cap companies. Principal Emerging Bluechip Fund is a Equity - Large & Mid Cap fund was launched on 12 Nov 08. It is a fund with Moderately High risk and has given a Below is the key information for Principal Emerging Bluechip Fund Returns up to 1 year are on 1. DSP BlackRock World Gold Fund
CAGR/Annualized return of 4.6% since its launch. Ranked 11 in Global category. Return for 2024 was 15.9% , 2023 was 7% and 2022 was -7.7% . DSP BlackRock World Gold Fund
Growth Launch Date 14 Sep 07 NAV (27 Jan 25) ₹22.0182 ↓ -0.27 (-1.22 %) Net Assets (Cr) ₹947 on 31 Dec 24 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.35 Sharpe Ratio 0.41 Information Ratio -0.29 Alpha Ratio 3.62 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 Dec 19 ₹10,000 31 Dec 20 ₹13,141 31 Dec 21 ₹11,960 31 Dec 22 ₹11,045 31 Dec 23 ₹11,815 31 Dec 24 ₹13,698 Returns for DSP BlackRock World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jan 25 Duration Returns 1 Month 9.1% 3 Month -6.7% 6 Month 9.6% 1 Year 41.6% 3 Year 9.9% 5 Year 8.4% 10 Year 15 Year Since launch 4.6% Historical performance (Yearly) on absolute basis
Year Returns 2023 15.9% 2022 7% 2021 -7.7% 2020 -9% 2019 31.4% 2018 35.1% 2017 -10.7% 2016 -4% 2015 52.7% 2014 -18.5% Fund Manager information for DSP BlackRock World Gold Fund
Name Since Tenure Jay Kothari 1 Mar 13 11.84 Yr. Data below for DSP BlackRock World Gold Fund as on 31 Dec 24
Equity Sector Allocation
Sector Value Basic Materials 93.09% Asset Allocation
Asset Class Value Cash 3.02% Equity 93.33% Debt 0.01% Other 3.65% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -82% ₹852 Cr 2,040,186
↓ -25,142 VanEck Gold Miners ETF
- | GDX17% ₹183 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -1% ₹15 Cr Net Receivables/Payables
Net Current Assets | -0% -₹4 Cr 2. Principal Emerging Bluechip Fund
CAGR/Annualized return of 24.8% since its launch. Ranked 1 in Large & Mid Cap category. . Principal Emerging Bluechip Fund
Growth Launch Date 12 Nov 08 NAV (31 Dec 21) ₹183.316 ↑ 2.03 (1.12 %) Net Assets (Cr) ₹3,124 on 30 Nov 21 Category Equity - Large & Mid Cap AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.08 Sharpe Ratio 2.74 Information Ratio 0.22 Alpha Ratio 2.18 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹12,230 Returns for Principal Emerging Bluechip Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jan 25 Duration Returns 1 Month 2.9% 3 Month 2.9% 6 Month 13.6% 1 Year 38.9% 3 Year 21.9% 5 Year 19.2% 10 Year 15 Year Since launch 24.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 Fund Manager information for Principal Emerging Bluechip Fund
Name Since Tenure Data below for Principal Emerging Bluechip Fund as on 30 Nov 21
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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