Equity funds
Invest mainly in shares; values can fluctuate significantly.
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Mutual Funds
A regulated way to invest across markets.
Mutual funds pool money from many investors and invest it across equity, debt, hybrid and other assets, according to a stated objective.
At a glance
- Regulator
- SEBI
- Ways to invest
- SIP or lumpsum
- Typical minimum
- Varies by scheme; SIPs often from ₹500
- Liquidity
- Business days; exit loads or lock-ins may apply
- Risk label
- SEBI Riskometer on every scheme
- Our role
- We distribute; the fund house manages each scheme
Terms vary by scheme. Check the scheme documents before investing.
What it is
Each scheme is managed by a SEBI-registered asset management company and its fund managers, who invest according to the objective stated in the scheme documents.
You hold units, and the value of each unit (NAV) moves with the value of the underlying investments.
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You invest
By SIP or lumpsum, and receive units at the applicable NAV.
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Money is pooled
With other investors into one scheme with a stated objective.
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A fund manager invests
In equity, debt or other assets, within SEBI rules.
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You track and redeem
NAV moves with the holdings; redeem as per scheme terms.
Types of mutual fund schemes
Schemes differ in what they hold, their objective, time horizon and risk. Each scheme’s Riskometer shows its own risk level.
Debt funds
Invest mainly in debt instruments; interest-rate, credit and liquidity risks vary.
Hybrid funds
Combine asset classes; risk depends on the mix and strategy.
Life Cycle Funds
Follow a target date, with a planned shift in asset mix over time.
Index funds & ETFs
Aim to track an index; ETFs trade on an exchange. Tracking differences and market risk apply.
International exposure
Invest in overseas securities; market and currency risks apply.
Is it for you?
May be worth exploring if you…
- Want diversification with smaller amounts
- Value regular disclosures and a clear investment objective
- Have a time horizon that matches the scheme’s risks
- Want flexibility to start, step up or pause SIPs
Pause and consider if you…
- Need guaranteed returns or guaranteed capital
- Need this money soon, especially if considering equity funds
- Would be unsettled by short-term falls in value
- Plan to move in and out often to time the market
This is general information, not an assessment of your suitability, which depends on your circumstances and the specific scheme or product.
Safeguards
- Regulated by SEBI under the Mutual Funds Regulations
- Independent trustees oversee the AMC on behalf of investors
- Scheme assets held by a SEBI-registered custodian, in the name of the mutual fund
- Scheme Information Document, KIM and monthly portfolio disclosures
- Riskometer shows each scheme’s risk level, reviewed every month
Regulation and risk labels do not guarantee returns or prevent losses.
Risks & costs to know
- Market risk: NAVs can fall, so your investment can be worth less than you put in
- Credit and interest-rate risk, mainly in debt funds
- Liquidity risk: some holdings can be hard to sell in stressed markets
- Costs: expense ratios reduce returns; exit loads may apply on early redemption
- Past performance may or may not be sustained in future
Have a concern?Our service: escalation matrix · A fund, scheme or issue: its provider first · Still unresolved: SEBI SCORES or SMART ODR
How we help
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Listen
We understand your goals, time horizon, existing holdings and comfort with risk.
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Explain options
We set out relevant options from regulated providers, with costs, liquidity and risks side by side.
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You decide, we coordinate
Once you decide, we help with KYC, paperwork and onboarding with the provider.
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Review
Supported holdings appear in our app, and we review them with you as markets and life change.
You decide whether to invest, in what, and on what terms. How we are paid for each product is disclosed before you invest. See how we’re paid →
Common questions
Short answers to what families ask us most. For anything specific to your situation, talk to us.
Still have a question?Mon–Fri, 8:00 AM – 6:00 PM · Sat, 9:00 AM – 3:00 PM IST
Can I lose money?
Yes. Mutual funds are market-linked, and the value of your units can fall as well as rise. The level of risk depends on the scheme; check its Riskometer and scheme documents.
Can I withdraw whenever I need to?
Most open-ended schemes allow redemption on any business day, and money usually reaches your bank within a few business days. Exit loads may apply, and some schemes, such as ELSS, have lock-ins.
Regular plan or direct plan?
We distribute Regular Plans and earn a trail commission, disclosed at the time of investment. Direct Plans, with a lower expense ratio, are available to investors directly from AMCs.
Can I stop a SIP?
Yes. Most SIPs can be paused or stopped; exit loads may apply on redemptions within a set period.
SIP or lumpsum?
A SIP invests a fixed amount at regular intervals; a lumpsum invests a larger amount at once. The choice depends on your cash flows, goals and comfort with market movements.
What is NAV?
Net Asset Value is the value of one unit of a scheme, worked out from the market value of its holdings after expenses. You buy and redeem units at the applicable NAV.
Is my money safe if the AMC has problems?
Scheme assets are held by a SEBI-registered custodian in the name of the mutual fund’s trust, not on the AMC’s own books, and trustees oversee the AMC. This protects ownership; it does not protect against market losses.
How are mutual funds taxed?
Tax depends on the type of fund and how long you hold it. Please refer to current tax rules or consult your tax adviser.
Talk it through before you decide.
We’ll explain the options and trade-offs. You decide.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.