Table of Contents
- FD व्याज कसे मोजले जाते?
- एफडीचे फायदे
- FD वर कर लाभ
- 2022 साठी शीर्ष निधी
Top 2 Equity - Sectoral Funds
FD कॅल्क्युलेटर - मुदत ठेव कॅल्क्युलेटर
मुदत ठेवी हे दीर्घकालीन गुंतवणूक साधन आहे जे गुंतवणूकदारांना मदत करतेपैसे वाचवा दीर्घ मुदतीसाठी. गुंतवणूकदार एक निश्चित कालावधी निवडू शकतात ज्यासाठी ठेव ठेवली जाईलबँक. सामान्यतः,एफडी दीर्घकालीन संपत्ती निर्माण करणार्‍यांसाठी गुंतवणूक अधिक चांगली आहे कारण ते बचत खात्यांच्या तुलनेत उच्च व्याजदर देतात.
FD व्याज कसे मोजले जाते?
एफडीवरील व्याज बहुतेक बँकांमध्ये तिमाहीत चक्रवाढ होते. यासाठी सूत्र आहे:
A = P * (1+ r/n) ^ n*t , कुठे
- आय = ए - पी
- ए = परिपक्वता मूल्य
- पी = मूळ रक्कम
- आर = व्याजदर
- ट = वर्षांची संख्या
- n = चक्रवाढ व्याज वारंवारता
- आय = व्याज मिळालेली रक्कम
एफडीचे फायदे
- FD म्हणून वापरता येईलसंपार्श्विक कर्ज घेण्यासाठी. तुम्ही तुमच्या FD रकमेवर 80-90% पर्यंत कर्ज घेऊ शकता
- ठेवीदार पुढील मुदत ठेवीसाठी मुदतपूर्तीच्या वेळी रक्कम हस्तांतरित करणे निवडू शकतो.
- पैसे फक्त एकदाच जमा करता येतात. एकदा जमा केल्यानंतर, खात्यातून पैसे काढल्यास दंड जमा होईल.
- ज्यांच्याकडे अतिरिक्त निधी आहे आणि ज्यांच्याकडून पैसे कमवायचे आहेत त्यांच्यासाठी FD योजना ही गुंतवणूकीची चांगली साधने आहेत.
Investment Amount:₹100,000 Interest Earned:₹28,930.22 Maturity Amount: ₹128,930.22मुदत ठेव (FD) कॅल्क्युलेटर
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FD वर कर लाभ
इतर वैयक्तिक कर-बचत आणि गुंतवणूक साधनांप्रमाणेच, मुदत ठेवी योजना देखील आकर्षित करतातकर. एकूण व्याज रु. पेक्षा जास्त असल्यास FD मधून जमा झालेल्या परताव्यावर 10% TDS कापला जातो. १०,000 एकाच आर्थिक वर्षात.
याची तुलना करूयाSIP योजना आणि तुम्ही पाहू शकता की दीर्घ मुदतीसाठी एसआयपी अधिक फायदेशीर आहेत. इक्विटीमधून दीर्घकालीन नफा करमुक्त असल्याने, गुंतवणूक करणारी कोणतीही SIPELSS (इक्विटी लिंक्डम्युच्युअल फंड) देखील एक वर्षानंतर करमुक्त आहे.
*गेल्या 1 वर्षाच्या कामगिरीवर आणि फंडाचे वय > 1 वर्ष यावर आधारित फंडाची यादी खाली दिली आहे.
Fund NAV Net Assets (Cr) Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2023 (%) Motilal Oswal Midcap 30 Fund Growth ₹104.202
↑ 1.59 ₹20,056 500 4.7 24.3 57.3 32 31.4 41.7 LIC MF Infrastructure Fund Growth ₹49.1207
↑ 0.72 ₹786 1,000 -4.6 10 56.9 29.9 27.1 44.4 SBI PSU Fund Growth ₹30.661
↑ 0.02 ₹4,471 500 -9.6 -3.4 49.8 33 23.5 54 Motilal Oswal Long Term Equity Fund Growth ₹51.3947
↑ 0.75 ₹4,074 500 0.6 14.6 49.6 23.2 22.7 37 Canara Robeco Infrastructure Growth ₹153.42
↑ 0.96 ₹848 1,000 -5.4 3 48.9 26.5 28.2 41.2 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Nov 24
2022 साठी शीर्ष निधी
*1 वर्षाच्या कामगिरीवर आधारित सर्वोत्तम निधी.
The investment objective of the scheme is to provide long term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector. LIC MF Infrastructure Fund is a Equity - Sectoral fund was launched on 29 Feb 08. It is a fund with High risk and has given a Below is the key information for LIC MF Infrastructure Fund Returns up to 1 year are on The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others. SBI PSU Fund is a Equity - Sectoral fund was launched on 7 Jul 10. It is a fund with High risk and has given a Below is the key information for SBI PSU Fund Returns up to 1 year are on 1. LIC MF Infrastructure Fund
CAGR/Annualized return of 10% since its launch. Return for 2023 was 44.4% , 2022 was 7.9% and 2021 was 46.6% . LIC MF Infrastructure Fund
Growth Launch Date 29 Feb 08 NAV (19 Nov 24) ₹49.1207 ↑ 0.72 (1.49 %) Net Assets (Cr) ₹786 on 31 Oct 24 Category Equity - Sectoral AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating Risk High Expense Ratio 2.3 Sharpe Ratio 2.93 Information Ratio 1.03 Alpha Ratio 26.1 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 Oct 19 ₹10,000 31 Oct 20 ₹8,857 31 Oct 21 ₹15,041 31 Oct 22 ₹16,473 31 Oct 23 ₹20,435 31 Oct 24 ₹34,608 Returns for LIC MF Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Nov 24 Duration Returns 1 Month -5.1% 3 Month -4.6% 6 Month 10% 1 Year 56.9% 3 Year 29.9% 5 Year 27.1% 10 Year 15 Year Since launch 10% Historical performance (Yearly) on absolute basis
Year Returns 2023 44.4% 2022 7.9% 2021 46.6% 2020 -0.1% 2019 13.3% 2018 -14.6% 2017 42.2% 2016 -2.2% 2015 -6.2% 2014 49.6% Fund Manager information for LIC MF Infrastructure Fund
Name Since Tenure Yogesh Patil 18 Sep 20 4.12 Yr. Mahesh Bendre 1 Jul 24 0.34 Yr. Data below for LIC MF Infrastructure Fund as on 31 Oct 24
Equity Sector Allocation
Sector Value Industrials 52.08% Basic Materials 11.24% Utility 7.02% Consumer Cyclical 6.98% Financial Services 6.04% Technology 2.96% Real Estate 2.5% Communication Services 2.16% Health Care 1.79% Energy 1.13% Asset Allocation
Asset Class Value Cash 5.23% Equity 94.77% Top Securities Holdings / Portfolio
Name Holding Value Quantity Garware Hi-Tech Films Ltd (Basic Materials)
Equity, Since 31 Aug 23 | 5006554% ₹35 Cr 86,410
↑ 7,043 Shakti Pumps (India) Ltd (Industrials)
Equity, Since 31 Mar 24 | SHAKTIPUMP4% ₹29 Cr 65,192
↑ 702 Schneider Electric Infrastructure Ltd (Industrials)
Equity, Since 31 Dec 23 | SCHNEIDER3% ₹26 Cr 328,026
↑ 3,536 Cummins India Ltd (Industrials)
Equity, Since 31 May 21 | 5004803% ₹23 Cr 66,145
↑ 713 REC Ltd (Financial Services)
Equity, Since 31 Jul 23 | 5329553% ₹23 Cr 432,722
↑ 149,844 Bharat Bijlee Ltd (Industrials)
Equity, Since 31 Jul 22 | BBL3% ₹22 Cr 47,325
↑ 3,206 GE Vernova T&D India Ltd (Industrials)
Equity, Since 31 Jan 24 | 5222753% ₹21 Cr 120,063
↓ -7,340 Tata Power Co Ltd (Utilities)
Equity, Since 29 Feb 24 | 5004003% ₹21 Cr 473,536
↑ 66,616 ISGEC Heavy Engineering Ltd (Industrials)
Equity, Since 31 Jul 24 | 5330333% ₹20 Cr 149,711
↑ 1,614 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 31 May 24 | 5001033% ₹20 Cr 838,269
↑ 239,812 2. SBI PSU Fund
CAGR/Annualized return of 8.1% since its launch. Ranked 31 in Sectoral category. Return for 2023 was 54% , 2022 was 29% and 2021 was 32.4% . SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (19 Nov 24) ₹30.661 ↑ 0.02 (0.06 %) Net Assets (Cr) ₹4,471 on 31 Oct 24 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 2.3 Sharpe Ratio 1.96 Information Ratio -0.44 Alpha Ratio -0.34 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹7,320 31 Oct 21 ₹11,991 31 Oct 22 ₹14,035 31 Oct 23 ₹17,801 31 Oct 24 ₹29,315 Returns for SBI PSU Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Nov 24 Duration Returns 1 Month -6.9% 3 Month -9.6% 6 Month -3.4% 1 Year 49.8% 3 Year 33% 5 Year 23.5% 10 Year 15 Year Since launch 8.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 54% 2022 29% 2021 32.4% 2020 -10% 2019 6% 2018 -23.8% 2017 21.9% 2016 16.2% 2015 -11.1% 2014 41.5% Fund Manager information for SBI PSU Fund
Name Since Tenure Rohit Shimpi 1 Jun 24 0.42 Yr. Data below for SBI PSU Fund as on 31 Oct 24
Equity Sector Allocation
Sector Value Financial Services 36.78% Utility 23.95% Energy 17.87% Industrials 10.89% Basic Materials 7.16% Asset Allocation
Asset Class Value Cash 3.36% Equity 96.64% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN15% ₹679 Cr 8,277,500 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | 5328989% ₹404 Cr 12,585,554 GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | 5321558% ₹367 Cr 18,350,000 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL8% ₹341 Cr 11,975,000
↑ 1,600,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | 5005476% ₹277 Cr 8,900,000
↑ 700,000 NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | 5325555% ₹222 Cr 5,443,244 NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | 5263715% ₹206 Cr 9,300,000 Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | 5321344% ₹196 Cr 7,800,000 Petronet LNG Ltd (Energy)
Equity, Since 30 Jun 24 | 5325223% ₹137 Cr 4,100,000 General Insurance Corp of India (Financial Services)
Equity, Since 31 May 24 | GICRE3% ₹133 Cr 3,600,000
येथे प्रदान केलेली माहिती अचूक असल्याची खात्री करण्यासाठी सर्व प्रयत्न केले गेले आहेत. तथापि, डेटाच्या अचूकतेबद्दल कोणतीही हमी दिली जात नाही. कृपया कोणतीही गुंतवणूक करण्यापूर्वी योजना माहिती दस्तऐवजासह सत्यापित करा.
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