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Mutual Funds

Mutual Funds are the best choice for those who want their hard-earned money to work equally hard . Our Wealth Management plans will build & manage a high-performing portfolio curated to your life’s needs. Mutual Funds have emerged as a biggest and most sought-after investment option in modern times. But with so many funds and schemes in the market, it has become mind-boggling to choose the right fund/scheme. Having invested in mutual funds, there is another more herculean task of monitoring and managing the funds according to market volatility. We will help you in evaluating the correct fund/scheme suitable to you based on your risk-bearing appetite and financial goals and managing your folios across different funds/schemes. Our investors can view all their mutual fund investments in our platform through client login.

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Mutual Fund Investment Philosophy

What is an open-ended fund?

According to the Securities and Exchange Board of India (SEBI), an open-ended fund or scheme is one that is available for repurchase and subscription continuously. The key feature of open-ended funds is liquidity. Moreover, these funds do not have any fixed maturity period. Investors can conveniently purchase and sell units at the Net Asset Value (NAV), which is declared daily.

What is a close-ended fund?

The Securities and Exchange Board of India (SEBI) defines close-ended funds as mutual funds that have a stipulated maturity period. These mutual funds are available for subscription during a specified period at the time of the scheme’s launch. Investors can invest in these mutual funds during this New Fund Offer (NFO) period, post which, they can list the units on the stock exchanges.

What Is a Bond Fund?

A bond fund, also referred to as a debt fund, is a pooled investment vehicle that invests primarily in bonds (government, municipal, corporate, convertible) and other debt instruments, such as mortgage-backed securities (MBS). The primary goal of a bond fund is often that of generating monthly income for investors.

Debt funds

A bond fund or debt fund is a fund that invests in bonds, or other debt securities. Bond funds can be contrasted with stock funds and money funds.

What Is a Bond Fund?

A bond fund, also referred to as a debt fund, is a pooled investment vehicle that invests primarily in bonds (government, municipal, corporate, convertible) and other debt instruments, such as mortgage-backed securities (MBS). The primary goal of a bond fund is often that of generating monthly income for investors.

What are Equity Mutual Funds?

An equity mutual fund invests largely in the stocks of various companies to generate returns. Equity fund investments are linked to higher risk as compared to other types of mutual funds. Moreover, equity funds are ‘not one size fits all’. There are a variety of equity funds classified by their investment objective that need to be mapped to your risk profile.

Real asset funds

Real assets are physical assets that have an intrinsic worth due to their substance and properties. Real assets include precious metals, commodities, real estate, land, equipment, and natural resources.

What are Equity Mutual Funds?

A sector fund is a fund that invests solely in businesses that operate in a particular industry or sector of the economy. Sector funds are commonly structured as mutual funds or exchange-traded funds

What are the types of Equity Mutual Funds?


Equity mutual funds can be differentiated based on investment objective: Though the objective of all equity funds is generally capital appreciation, it is the risk taken to achieve this objective that varies. This further depends upon the types of stocks that the fund invests in. Some types of equity mutual funds based on their investment objective are:

1. Small-cap Equity Funds

These equity mutual fund schemes invest in companies that rank above 250 in terms of their full market capitalization (as per SEBI guidelines). These funds are considered to be riskier than mid- or large-cap equity funds but can offer the relatively higher returns. Their minimum exposure to such stocks is 65% of the total assets.

2. Mid-cap Equity Funds

These equity mutual fund schemes invest in companies who rank between 101 and 250 by their full market capitalization. These funds are considered to be less risky than small-cap funds, but more than large-cap funds. Their minimum exposure to such stocks is 65% of the total assets.

3. Large-cap Equity Funds

These equity mutual fund schemes invest in companies who rank between 1 and 100 in terms of full market capitalization. These funds are considered to be the least risky as far as equity fund-picking goes. Their minimum exposure to such stocks is 80% of the total assets.

4. Large- & Mid-cap Equity Funds

These equity mutual funds equally divide the allocation between large- and mid-cap equity and related instruments and have the potential to offer high returns. The mandated minimum exposure to both large-cap and mid-cap stocks is 35% each of the total assets.

5. Multi-cap funds

V Multi-cap equity funds invest in stocks across large-, mid-, and, small-cap companies. Depending on the market conditions, the fund manager decides the predominant investments. Their minimum exposure to such stocks is 65% of the total assets

Mutual Fund for Retirement Savings


Here are some of the reasons to consider mutual funds for retirement planning:

  • Low cost: Mutual funds investment charges are relatively lower than insurance linked pension plans.
  • Beat the inflation: As you grow older, inflation could also rise, making the cost of living higher by the time you are 60 years old. This means that you need to invest in an instrument that also grows at par with the inflation rates, or better. Growth mutual funds are ideal under such a situation.
  • Liquidity: If your fund does not have a lock-on period, you can liquidate your fund and withdraw money whenever you want. It takes less than 2 days for the amount to be credited to your account once you sell of the units, unlike pension schemes such as PPF that has 15-year lock-in period.
  • Tax efficient: Short-term gains (less than 3 years) on equity funds attract a tax of 15%, while short-term debt fund gains are added to your regular income and taxed as per the income tax slab you fall under. On equity funds, there is no tax on long-term capital gains, but long-term debt fund gains are taxed at 10% without indexation and 20% with indexation.

Mutual Funds for Child Education & Marriage


Child Care Mutual Funds A children’s gift mutual fund is especially designed to aid the future requirements as a child grows up. Such a fund is categorised under Hybrid or Balanced Mutual Funds. You can opt to invest in a Children’s Gift mutual fund to get long-term benefits. Advantages of investing: A children’s gift fund has a lock-in period of 18 years which ensures that you are investing in a disciplined scheme