Turn Every Rupee Into Opportunity
Grow your wealth with mutual funds that combine expert management, smart diversification, and simple investing.
What is Mutual Funds?
Mutual funds pool your money with other investors and invest it across a diversified portfolio of stocks, bonds, and market instruments.
Investment solutions such as Mutual Funds combine the capital of many investors to purchase a range of securities including stocks and bonds.
The term “mutual fund” refers to a pooled investment vehicle where units in the fund represent each investor’s portion of the total investment. Professional fund managers oversee these funds, making choices depending on the goals of the fund and the market.
Without having to pick individual stocks or bonds, mutual funds provide a simple method to invest in a diversified portfolio. Because they allow investments with very small sums of money, they are more appropriate for new investors.
A Smarter Way to Build Wealth
How Do Mutual Funds Work?
Money Pooled Together
Your money joins a large pool contributed by thousands of investors.
Diversified Portfolio Created
Pool, Spread Across Multiple Assets Stocks Bonds Other Securities.
Professional Fund Manager Takes Charge
A dedicated fund manager studies markets and aims to maximise returns
Strategies Designed to Match Your Style
Actively Managed Funds
Goal: Beating the market
How it works:
Fund manager analyses companies
Selects high-potential investments
Frequently monitors and adjusts portfolio
Passively Managed Funds
Goal: Mirror the market
How it works:
Replicate a market index like Nifty or Sensex
Minimal buying/selling
Stable, long-term growth
TYPES OF MUTUAL FUNDS
Handpicked Options Curated
WHY INVEST IN MUTUAL FUNd?
Expertise. Trust. Growth.
MFs naturally diversify across securities, assets and geographies, reducing risk by avoiding concentration in a single investment. This approach creates a balanced and resilient portfolio.
Fund managers research and manage your investments, saving you time and effort.
Enjoy easy access to your funds whenever you need them.
Begin with SIPs as low as ₹500 and grow steadily.
Every investment aligns with your life goals — wealth creation, retirement, education, or financial security.
You get regular updates on your fund's performance and detailed reports on investments.
Terms used in Mutual Funds
Glossary
| Term | Definition |
|---|---|
| Net Asset Value (NAV) | Calculated by dividing the total net assets of a scheme by the units issued, NAV changes daily based on the market value of the securities held. |
| Assets under Management (AUM) | AUM is a significant indicator reflecting the current value of an MF scheme’s assets. A higher AUM generally implies a higher client base and investor trust. |
| Portfolio | The collection of stocks, bonds or other securities that an investor or fund manager invests in. |
| Fiscal Year | A one-year period that companies and governments use for financial reporting and budgeting. |
| Load | This term refers to the commission or sales charge applied when buying or selling MF units. There are different types of loads – front-end load (charges when you buy shares), back-end load (charges when you sell shares) and no load (no sales charge). |
| Diversification | Diversification involves holding a variety of investments in different sectors or asset classes to reduce the impact of any one security’s poor performance on the overall portfolio. |
| Redemption | This refers to the process of an investor selling their units back to the fund. MF redemptions are usually processed within a few days. |
| Benchmark | A standard against which the performance of an MF can be measured. Funds are often compared to benchmarks like stock or bond indices to gauge their performance. |
| Capital Gain Distributions | These are payments made to MF shareholders from profits realised on the sale of securities in a fund’s portfolio. They can be short-term or long-term and are subject to capital gains taxes. |
| Dividend Reinvestment | An option offered by most MFs that allows investors to use their dividend payouts to purchase additional shares in the fund. |
| Total Return | This is a measure of an MF’s performance. It includes any changes in NAV, dividends and capital gain distributions. |
| Risk Tolerance | An individual investor’s capacity to endure a loss in their investment. Different MFs have varying levels of risk suited to different investor profiles. |
Mutual Fund Related FAQs
Mutual funds are quite safe when you want to grow your money over the long run. While they aren’t entirely risk-free, choosing the right fund based on your risk comfort and financial goals can make them a relatively safe and smart option for growing your money over time.
There is no need for large sums to start investing in mutual funds. Many mutual funds allow you to start investing with just ₹500 through SIPs. This makes it easy for beginners or young investors to get started without worrying about having a big sum upfront.
You can invest in mutual funds online through the Mobile App on your smartphone or through internet banking. You can use any of these tools and begin your journey. Just choose a fund, set your investment amount, and complete your KYC. You can start a SIP or lump sum investment anytime.
Tax on mutual funds depends on the type (equity or debt) and how long you stay invested. Long-term capital gains attract lower tax rates, while short-term gains are taxed higher rate. Also, dividends may be taxed as per your income tax slab.
Most mutual funds offer flexible withdrawals. You can redeem your investment whenever needed. However, some funds may charge an exit load or have a lock-in period, like ELSS. Always check withdrawal rules before investing to avoid surprises.
