Products & Services
Investments
Investments
Mutual Funds
In India, Mutual Funds are regulated by the Securities and Exchange Board of India (SEBI), ensuring transparency and investor protection. The value of a mutual fund unit is referred to as the Net Asset Value (NAV), which is calculated daily by dividing the total value of the fund’s assets by the number of outstanding units.
- Benefits of Investing in Mutual Funds
Professional Fund Management
Every Mutual Fund scheme is backed by a dedicated team of financial and research experts who carefully analyze market trends, company performance, and economic indicators to make informed investment decisions aligned with the fund’s goals and the investor’s financial objectives.
Risk Diversification
By investing in a variety of securities, mutual funds help reduce risk. Diversification minimizes the impact of poor performance of any single investment, offering a level of risk management that is typically accessible only to high-net-worth individuals.
Affordable Investment
Mutual Funds are accessible to investors with modest capital. You can start investing with as little as ₹5,000 through lump-sum options or as low as ₹500 per month via a Systematic Investment Plan (SIP).
Liquidity
Open-ended Mutual Funds allow you to redeem your investment at the prevailing NAV, offering higher liquidity compared to traditional savings options like Public Provident Fund (PPF) or National Savings Schemes (NSS). Closed-end funds, however, come with a fixed lock-in period.
Investment Variety
There is a wide range of mutual fund schemes to suit different financial goals and risk appetites—whether it’s capital growth, regular income, or wealth preservation. With expert guidance, investors can choose the most suitable option.
- Types of Mutual Funds
Equity Funds
These funds invest in company shares and aim for long-term capital growth. While they offer potentially higher returns, they come with higher risk. Ideal for investors with a long-term horizon.
Debt or Income Funds
Designed for stability, these funds invest in fixed-income instruments like bonds, government securities, and debentures. They offer regular income with relatively lower risk, but limited capital appreciation.
Balanced Funds
A hybrid approach, balanced funds invest in both equities and fixed-income securities. They aim to balance risk and return, offering moderate growth with lower volatility compared to pure equity funds.
Liquid Funds
These funds focus on short-term investments like treasury bills and commercial paper, offering high liquidity and capital preservation. A great alternative to bank savings for short-term parking of surplus funds.
Index Funds
Index funds replicate the performance of a specific market index, such as the BSE Sensex or Nifty 50, by investing in the same set of stocks. They are passively managed and ideal for investors looking for low-cost market exposure.
Investments
Systematic Investment Plan (SIP)
AIF (Alternative Investment Funds)
Mutual Funds
Corporate Bonds
Government Bonds
