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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 (%) LIC MF Infrastructure Fund Growth ₹50.3528
↑ 0.77 ₹750 1,000 -3.8 20.2 69.4 32 28.2 44.4 Motilal Oswal Midcap 30 Fund Growth ₹102.968
↓ -0.82 ₹18,604 500 2.6 24.2 66.1 33.6 31.3 41.7 IDFC Infrastructure Fund Growth ₹52.207
↑ 0.59 ₹1,906 100 -9.2 11.7 64.9 29.1 29.8 50.3 Invesco India PSU Equity Fund Growth ₹63.04
↓ -0.03 ₹1,436 500 -10.5 5.8 64.9 32.7 27.2 54.5 SBI PSU Fund Growth ₹31.7515
↓ -0.08 ₹4,703 500 -9.7 1.1 64.7 34.7 24 54 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Oct 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 investment objective of the scheme is to seek to generate long-term capital growth through an active diversified portfolio of predominantly equity and equity related instruments of companies that are participating in and benefiting from growth in Indian infrastructure and infrastructural related activities. However, there can be no assurance that the investment objective of the scheme will be realized. IDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 8 Mar 11. It is a fund with High risk and has given a Below is the key information for IDFC Infrastructure Fund Returns up to 1 year are on 1. LIC MF Infrastructure Fund
CAGR/Annualized return of 10.2% 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 (31 Oct 24) ₹50.3528 ↑ 0.77 (1.54 %) Net Assets (Cr) ₹750 on 30 Sep 24 Category Equity - Sectoral AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating Risk High Expense Ratio 2.3 Sharpe Ratio 3.26 Information Ratio 0.94 Alpha Ratio 22.85 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 31 Oct 24 Duration Returns 1 Month -3.2% 3 Month -3.8% 6 Month 20.2% 1 Year 69.4% 3 Year 32% 5 Year 28.2% 10 Year 15 Year Since launch 10.2% 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 4.04 Yr. Mahesh Bendre 1 Jul 24 0.25 Yr. Data below for LIC MF Infrastructure Fund as on 30 Sep 24
Equity Sector Allocation
Sector Value Industrials 53.51% Basic Materials 11.48% Consumer Cyclical 8.01% Utility 7.69% Financial Services 5.34% Technology 3.13% Real Estate 2.55% Communication Services 2.31% Health Care 2.08% Energy 1.34% Asset Allocation
Asset Class Value Cash 2.56% Equity 97.44% Top Securities Holdings / Portfolio
Name Holding Value Quantity Garware Hi-Tech Films Ltd (Basic Materials)
Equity, Since 31 Aug 23 | 5006554% ₹31 Cr 79,367
↑ 942 Shakti Pumps (India) Ltd (Industrials)
Equity, Since 31 Mar 24 | SHAKTIPUMP4% ₹28 Cr 64,490
↑ 14,294 Schneider Electric Infrastructure Ltd (Industrials)
Equity, Since 31 Dec 23 | SCHNEIDER4% ₹26 Cr 324,490 Cummins India Ltd (Industrials)
Equity, Since 31 May 21 | 5004803% ₹25 Cr 65,432 GE T&D India Ltd (Industrials)
Equity, Since 31 Jan 24 | 5222753% ₹21 Cr 127,403
↑ 32,224 Bharat Bijlee Ltd (Industrials)
Equity, Since 31 Jul 22 | BBL3% ₹21 Cr 44,119 ISGEC Heavy Engineering Ltd (Industrials)
Equity, Since 31 Jul 24 | 5330333% ₹20 Cr 148,097
↑ 4,345 Tata Power Co Ltd (Utilities)
Equity, Since 29 Feb 24 | 5004003% ₹20 Cr 406,920
↑ 246,051 Bharat Heavy Electricals Ltd (Industrials)
Equity, Since 31 May 24 | 5001032% ₹17 Cr 598,457
↑ 194,190 Hitachi Energy India Ltd Ordinary Shares (Technology)
Equity, Since 31 Jul 22 | POWERINDIA2% ₹17 Cr 11,454 2. IDFC Infrastructure Fund
CAGR/Annualized return of 12.9% since its launch. Ranked 1 in Sectoral category. Return for 2023 was 50.3% , 2022 was 1.7% and 2021 was 64.8% . IDFC Infrastructure Fund
Growth Launch Date 8 Mar 11 NAV (31 Oct 24) ₹52.207 ↑ 0.59 (1.15 %) Net Assets (Cr) ₹1,906 on 30 Sep 24 Category Equity - Sectoral AMC IDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk High Expense Ratio 2.33 Sharpe Ratio 3.17 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹8,539 31 Oct 21 ₹17,121 31 Oct 22 ₹17,400 31 Oct 23 ₹22,341 31 Oct 24 ₹36,843 Returns for IDFC Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Oct 24 Duration Returns 1 Month -7.1% 3 Month -9.2% 6 Month 11.7% 1 Year 64.9% 3 Year 29.1% 5 Year 29.8% 10 Year 15 Year Since launch 12.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 50.3% 2022 1.7% 2021 64.8% 2020 6.3% 2019 -5.3% 2018 -25.9% 2017 58.7% 2016 10.7% 2015 -0.2% 2014 43.2% Fund Manager information for IDFC Infrastructure Fund
Name Since Tenure Vishal Biraia 24 Jan 24 0.69 Yr. Ritika Behera 7 Oct 23 0.99 Yr. Gaurav Satra 7 Jun 24 0.32 Yr. Data below for IDFC Infrastructure Fund as on 30 Sep 24
Equity Sector Allocation
Sector Value Industrials 52.47% Utility 10.82% Basic Materials 10.6% Communication Services 6.43% Energy 3.99% Consumer Cyclical 3.87% Financial Services 3.58% Technology 2.29% Health Care 1.41% Asset Allocation
Asset Class Value Cash 4.54% Equity 95.46% Top Securities Holdings / Portfolio
Name Holding Value Quantity Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Dec 17 | 5002414% ₹80 Cr 443,385
↑ 8,933 GPT Infraprojects Ltd (Industrials)
Equity, Since 30 Nov 17 | 5337614% ₹77 Cr 4,384,900
↑ 1,145,000 PTC India Financial Services Ltd (Financial Services)
Equity, Since 31 Dec 23 | PFS4% ₹70 Cr 12,200,218
↑ 1,724,925 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 24 | 5003253% ₹68 Cr 226,353
↑ 65,263 Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 Dec 23 | 5329213% ₹64 Cr 434,979 Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | 5005103% ₹64 Cr 171,447 Ahluwalia Contracts (India) Ltd (Industrials)
Equity, Since 30 Apr 15 | AHLUCONT3% ₹60 Cr 470,125
↑ 38,887 Indus Towers Ltd Ordinary Shares (Communication Services)
Equity, Since 31 Dec 23 | 5348163% ₹57 Cr 1,252,522
↓ -58,513 H.G. Infra Engineering Ltd Ordinary Shares (Industrials)
Equity, Since 28 Feb 18 | HGINFRA3% ₹50 Cr 321,984
↑ 190,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 19 | 5324542% ₹46 Cr 289,163
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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