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Mutual Funds

Mutual Funds Sahi Hai

Mutual Funds Sahi Hai

Mutual Funds are one of the most versatile and accessible wealth building tools in India today. They offer professional portfolio management, diversification across multiple sectors, and options matching every individual's risk profile and timeline.

Whether you are putting aside emergency capital, planning for tax savings, or striving for aggressive long-term equity growth, there is a dedicated mutual fund structure designed for your journey. Explore the options below to find the fit for your wealth strategy.

Mutual Fund Schemes & Categories

Compare the key attributes, optimal durations, and risk levels of major Indian mutual fund structures.

01
Liquid Funds

Liquid funds are debt funds that lend to companies for a period of up to 91 days. These are the safest funds amongst all the mutual fund categories, owing to their extremely low lending duration.

  • Suitable for putting money aside for emergencies
  • Near zero risk of loss if someone invests for at least one month
  • Have given up to 50% to 100% higher returns than a savings bank account
02
Debt Funds

Debt funds invest in high-quality fixed-income securities like treasury bills, corporate bonds, and government debt, offering stability and predictable income.

  • Ideal for an investment horizon of at least 12-24 months
  • Low chances of loss if someone stays invested for 6+ months
  • These schemes tend to give better returns than Bank Fixed Deposits of similar duration
03
Arbitrage Funds

Arbitrage funds are hybrid mutual funds that generate returns by using the strategy of simultaneously buying and selling of securities in different markets to exploit price differentials.

  • No stock market risk as the buying and selling price of a stock is known to the fund manager
  • Suitable for an investment horizon of 1-3 years
  • Equity taxation means more tax-efficient returns when compared to Fixed Deposits
04
Dynamic Asset Allocation Funds

These funds invest in a mix of stocks and FD-like instruments. They dynamically shift asset allocation based on market valuations to optimize returns and cushion risks.

  • Model-based triggers dictate allocation adjustments for consistent, stable returns
  • Books profit when markets rise and invests more when markets correct
  • Suitable for an investment horizon of 3+ years
05
Balanced Funds

Balanced funds invest an equal amount in stocks and FD-like debt instruments, providing a highly balanced portfolio that combines growth potential with structural stability.

  • 50% allocation to stocks gives your capital a strong chance to grow
  • 50% allocation to FD-like debt instruments brings stability to returns
  • Ideal for a 3+ years investment horizon
06
Hybrid Funds

Hybrid funds invest primarily in stocks with a smaller allocation to FD-like instruments. Diversifying assets reduces volatility relative to pure equity funds.

  • Up to 75% allocation to stocks drives growth potential
  • At least 25% allocation to FD-like instruments provides a cushion if stocks go down
  • Ideal for a 4+ years investment horizon
07
Diversified Equity Funds

A diversified equity fund invests in businesses across various market capitalizations and sectors to spread out risks. Offered by ULIPs, mutual funds, and other investment firms.

  • Maximizes gains by avoiding concentration in one single market segment
  • Ideal for a 5+ years investment horizon
08
Multi Cap Funds

Multi cap equity funds invest across companies of all sizes (large, mid, and small) and sectors, shifting weights dynamically based on market opportunities.

  • Broad exposure to all key sectors driving the Indian economy forward
  • Eliminates the need for buying separate capitalization-focused funds
  • Ideal for an investment horizon of 5+ years
09
Large Cap Funds

Large cap mutual funds invest primarily in the top 100 blue-chip companies of India. These are established market leaders and household names.

  • Get exposure to companies which are prominent household names
  • Strong brand loyalty and resilient business models generate consistent profits
  • Ideal for goals that are at least 5 years away
10
Large & Mid Cap Funds

These funds invest in India's top 200 companies, blending the stability of large-cap blue-chips with the high-growth aggression of emerging mid-sized challengers.

  • Get the perfect combination of large-cap resilience and mid-cap growth
  • A smart, diversified way to access mid-caps with lower portfolio risk
  • Ideal for an investment horizon of 8+ years
11
Mid Cap Funds

Mid cap mutual funds invest in medium-sized enterprises. These fast-growing companies are at a developmental stage today where current market giants were a few years ago.

  • Access to high-growth stocks capable of yielding market-beating returns
  • Moderate risk due to higher volatility during challenging economic cycles
  • Suitable for aggressive investors with a 10+ years horizon
12
Small Cap Funds

Small cap funds invest in early-stage, smaller companies beyond the top 250 listings. While they hold potential for massive gains, they are highly volatile.

  • Benefit from investing early in tomorrow's market leaders
  • High risk due to companies' sensitivity to tough market conditions
  • Ideal for aggressive investors with a 12+ years horizon
13
Sectoral Funds

Sectoral funds invest strictly in a single industry (e.g., IT, Banking, Pharma). This lack of diversification makes them high-risk, high-return options.

  • High volatility as returns depend entirely on a single sector's performance
  • Recommended exposure should be capped below 10% of a portfolio
  • Requires active monitoring and a 10+ years horizon
14
Thematic Funds

Thematic funds invest in multiple sectors united by a common theme (e.g., Infrastructure, ESG, Consumption). They offer slightly broader diversification than sectoral funds.

  • High conviction portfolios where managers take big bets on specific trends
  • High-risk category; exposure should not exceed 10% of the total portfolio
  • Ideal for aggressive investors willing to stay invested for 10+ years
15
International & Global Funds

These funds invest in equities listed outside India. They allow local investors to get exposure to global giants like Amazon, Apple, Microsoft, and Alphabet.

  • Gain exposure to global leaders driving technology and consumer growth
  • Provides geographic diversification as different global markets cycle independently
  • Suitable for goals that are at least 5 years away
16
ELSS (Tax Saving Scheme)

ELSS is an equity mutual fund offering tax deduction benefits under Section 80C of the Income Tax Act up to a limit of ₹1.5 Lakhs per financial year.

  • 3-year lock-in period, which is the shortest among all tax-saving assets
  • Diversified equity profile offers potential for higher returns than PPF or NPS
  • Ideal for combining tax planning with long-term wealth compounding
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