Mutual Funds Facts

Life is unpredictable, especially for self-employed individuals and small business owners. There may be times when cash flow gets tight, and continuing your SIP feels like a burden. The good news is that you can stop or pause your SIP temporarily without losing your existing investments. This guide explains how to do it and what […]

Adding a nominee to your mutual fund investments is one of the most important yet overlooked steps in financial planning. A nominee ensures that your mutual fund investments are smoothly transferred to your loved ones in case of an unfortunate event. This guide explains how to add a nominee to your mutual fund investments, both […]

If you started investing in mutual funds through a bank, broker, or distributor, chances are you are in a Regular plan. Regular plans have higher expense ratios because they include distributor commissions. Switching to a Direct plan can save you significant money over the long term. This guide explains how to transfer your mutual funds […]

Tax season does not have to be stressful. ELSS (Equity Linked Savings Scheme) mutual funds offer one of the smartest ways to save tax while simultaneously building wealth. If you have been wondering how to invest in ELSS mutual funds for tax saving, this guide covers everything you need to know. What Are ELSS Mutual […]

KYC (Know Your Customer) is the mandatory first step before you can invest in any mutual fund in India. It is a one-time process regulated by SEBI, and once completed, your KYC is valid across all fund houses. This guide explains how to complete KYC for mutual fund investment, covering both online and offline methods. […]

When you invest in a mutual fund, you are usually asked to choose between the Growth option and the Dividend option (now officially called IDCW — Income Distribution cum Capital Withdrawal). This choice can significantly impact your returns and tax liability. Here is a complete guide to help you understand the difference and choose the […]

The biggest advantage of a SIP (Systematic Investment Plan) is that it automates your investing. But for true automation, you need to set up an auto-debit from your bank account. This ensures your SIP instalment is deducted and invested every month without you lifting a finger. Here is a complete guide on how to set […]

Once you have invested in mutual funds, it is important to periodically check your portfolio status to ensure your investments are on track. Fortunately, checking your mutual fund portfolio online has become incredibly easy. This guide explains all the ways you can check your mutual fund portfolio status online in India. Why Should You Check […]

You have been running a SIP for several months or years and want to know how much you have actually earned. Calculating returns on a SIP is not as straightforward as calculating returns on a fixed deposit, because you invest different amounts at different times. This guide explains exactly how to calculate returns on your […]

As your financial goals evolve or market conditions change, you may want to move your money from one mutual fund scheme to another within the same fund house. This process is called switching. It is a common and useful feature, but many investors are not sure how it works. This guide explains exactly how to […]

Investing in mutual funds is only half the story — knowing how to redeem your mutual fund units when you need the money is equally important. Whether you are withdrawing for an emergency, fulfilling a financial goal, or simply rebalancing your portfolio, this guide covers the complete process of redeeming mutual fund units in India. […]

Gone are the days when investing in mutual funds required filling out lengthy paper forms and visiting a bank branch. Today, you can invest in mutual funds online from the comfort of your home — or even from your phone while sipping chai. This guide explains the complete process of how to invest in mutual […]

A Systematic Investment Plan (SIP) is one of the simplest and most powerful ways to build wealth over time. Whether you are a salaried professional, a small business owner, or a freelancer, starting a SIP in mutual funds can help you achieve your financial goals without needing a large lump sum upfront. In this step-by-step […]

Mutual funds have become one of India’s most popular investment options, with over 20 crore folios and counting. Yet, misconceptions continue to keep millions of potential investors on the sidelines. If you are self-employed and have been hesitant to start investing because of something you heard from a friend or relative, this article is for […]

Life is unpredictable, and for self-employed individuals in India — whether you are a freelancer, shopkeeper, delivery partner, or small business owner — this unpredictability hits harder. A medical emergency, a slow business month, or an unexpected repair can throw your finances off track. That is why an emergency fund is not optional — it […]

What if you could invest in the entire Indian stock market with one single fund, pay almost nothing in fees, and still beat most professional fund managers over the long term? That is exactly what an index fund does. It is the simplest, most cost-effective way to build wealth — and it is perfect for […]

Not all mutual funds invest in stocks. Debt mutual funds invest your money in fixed-income instruments like government bonds, corporate bonds, treasury bills, and money market instruments. They are generally safer than equity funds and play a crucial role in every investor’s portfolio — especially for self-employed individuals who need stability alongside growth. What Are […]

One fear that stops many Indians from investing in mutual funds is this: what if the company managing my money shuts down? Will I lose everything? This is an understandable concern, especially for self-employed individuals who have worked hard for every rupee. The good news is that Indian mutual funds have some of the strongest […]

Every mutual fund in India publishes a monthly fact sheet — a document that gives you a snapshot of everything important about the fund. But for most beginner investors, fact sheets look like a confusing jumble of numbers, graphs, and jargon. This guide will teach you how to read a fact sheet like a pro, […]

When you start exploring equity mutual funds in India, you will quickly come across terms like large cap, mid cap, and small cap. These categories tell you about the size of companies the fund invests in — and understanding the difference is crucial for picking the right fund for your goals and risk appetite. What […]

A Systematic Investment Plan, or SIP, is one of the most powerful tools available to everyday Indian investors. It lets you invest a fixed amount regularly into a mutual fund — building wealth gradually without needing a large lump sum. For self-employed individuals with fluctuating incomes, understanding how to start, modify, and stop a SIP […]

If you have ever compared two mutual funds and wondered why one gives slightly better returns than the other despite investing in similar stocks, the answer often lies in something called the expense ratio. It is a small number that can make a big difference to your wealth over time. What Is the Expense Ratio? […]

You invested in a mutual fund and now you want to withdraw your money. But wait — there might be a charge called “exit load” that reduces your redemption amount. Let us understand what it is and how to avoid it. What Is Exit Load? Exit load is a fee charged by the mutual fund […]

Albert Einstein reportedly called compound interest the eighth wonder of the world. Whether or not he actually said it, the power of compounding is real, and it can transform your financial future — if you give it enough time. What Is Compounding? Compounding is when your returns earn returns. Your initial investment earns a return. […]

With thousands of mutual fund schemes available in India, choosing the right one can feel like finding a needle in a haystack. But here is the truth — you do not need the “best” fund. You need the “right” fund for YOUR goal. Step 1: Define Your Goal Every investment should be linked to a […]

Understanding how your mutual fund returns are taxed is essential for effective financial planning. Many investors are surprised at tax time because they did not factor in the tax impact. This guide simplifies mutual fund taxation in India as per the latest 2025 rules. Two Types of Capital Gains When you sell your mutual fund […]

When you go to invest in a mutual fund, you will notice two options: Direct Plan and Regular Plan. They are the same fund, managed by the same fund manager, investing in the same stocks — but one can give you significantly more money over time. Let us understand why. What Is a Regular Plan? […]

If you have ever looked at a mutual fund, you would have seen a number called NAV. It is one of the most fundamental concepts in mutual fund investing, yet many investors do not fully understand it. Let us break it down. What Is NAV? NAV stands for Net Asset Value. It represents the per-unit […]

Starting your mutual fund journey can feel overwhelming — there are over 2,500 mutual fund schemes in India! But as a beginner, you only need to know about a handful of fund types to get started. What Should Beginners Look For? Before picking a fund, consider these factors: Your goal: Are you saving for 1 […]

When you look at mutual fund performance, you will see terms like CAGR, XIRR, and absolute returns. These numbers can be confusing, but understanding them is crucial to knowing how well your investments are really doing. Absolute Returns: The Simplest Measure Absolute return tells you the total percentage gain or loss on your investment, without […]

Tax season in India often brings stress. But what if you could save tax and grow your wealth at the same time? That is exactly what ELSS (Equity Linked Savings Scheme) funds offer. What Is ELSS? ELSS is a type of mutual fund that invests primarily in equities (stocks). What makes it special is the […]

One of the most common questions new investors ask is: should I invest through a SIP or put in a lump sum? Both methods have their merits, and the right choice depends on your financial situation and goals. What Is a SIP? A Systematic Investment Plan (SIP) lets you invest a fixed amount regularly — […]

If you have ever heard your friends, family, or colleagues talk about mutual funds but felt confused about what they actually are, you are not alone. Millions of Indians are in the same boat. The good news? Mutual funds are far simpler than they sound. What Is a Mutual Fund? Think of a mutual fund […]

SEBI Circular on Categorisation and Rationalisation of Mutual fund schemes, 2017

SEBI has categorized all Mutual funds in 5 Broad categories:
– Equity Schemes (11 sub-categories)
– Debt Schemes (16 sub-categories)
– Hybrid Schemes (6 sub-categories)
– Solution Oriented Schemes (2 sub-categories)
– Other Schemes (2 sub-categories)