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Right Mutual Funds Created Wealth Historically.
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*SIP - Systematic Investment Plan , ROR - Rate of Return,
NAV - Net Asset value, CAGR - Compounded Annual Growth rate

Best Mutual Funds

Choose Best One That's Right For You.

ROR

Scheme Name

Absolute Returns(%)

CAGR Returns(%)

Latest NAV

Document Link

Fund Type

Nature of Scheme

Sub Category

Minimum Amount

Inception Date

Entry Load(%)

Exit Load(%)

Investment Objective

About Mutual Fund

A mutual fund invests in securities like stocks, bonds, short-term money market instruments and commodities such as precious metals. The earnings or profits are subsequently distributed to the investors.

  • A mutual fund is a professionally managed trust that pools the savings of many investors and invests them in securities.
  • Securities Exchange Board of India (SEBI) is the regulatory body for all the mutual funds. All the mutual funds must get registered with SEBI.

Mutual Fund Products

A mutual fund is a professionally managed trust that pools the savings of many investors and invests them in securities.

Growth / Equity oriented Funds

To provide capital appreciation to their investors. High risk with high capital gain. Long-term seeking growth over a period of time.

Income / Debt oriented Funds

To provide capital stability and less risk. Debt oriented Funds comprises typically of securities issued byGovernments (Centraland State), Banks, FinancialInstitutions, and Companies in the private and public sector, Corporations, Statutory Bodies.

Balanced Funds

These funds aim at distributing both income and capital appreciation. Invested equally in high growth equity shares and in fixed income earning debentures.

Tax Benefit Funds

Also known as equity-linked saving schems (ELSS).These ELSS schemes availTax benefitunder section 80C upto Rs. 1.5 lakh, lock in period of 3 years.

Sectoral Funds

These funds Invests in industries with growth potential like pharma, banking, power, cement, steel etc.

Liquid Funds

These Funds invest in short-term debt securities with high liquidity. Liquidity priority and profit secondary.

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Features of Mutual Funds

Professional Management

Mutual funds offer investors the opportunity to earn an income or build their wealth through professional management of their investible funds.

Diversification

Mutual funds introduce diversification to your investment portfolio automatically by holding a wide variety of securities. The idea behind diversification is to invest in a large number of assets so that a loss in any particular investment is minimized by gains in others.

Economies of Scale

Mutual fund buy and sell large amounts of securities at a time, thus help to reducing transaction costs, and help to bring down the average cost of the unit for their investors.

Variety

Within the broad categories of stock, bond, and money market funds, you can choose among a variety of investment approaches. There are about several thousands of mutual funds available in the market with goals and styles to fit most objectives and circumstances.

Low Costs

The fund industry consists of hundreds of competing firms and thousands of funds, the actual level of fees can vary. But for most investors, mutual funds provide professional management and diversification at a fraction of the cost of making such investments independently.

Liquidity

Just like an individual stock, mutual fund also allows investors to liquidate their holdings as and when they want. Mutual funds are required by law to buy, or redeem, shares each business day. NAV is the current market value of all the fund’s assets, minus liabilities, divided by the total number of outstanding shares.

Snapshot on Tax rates specific to Mutual Funds

The rates are applicable for the financial year 2017-18 and subject to enactment of the Finance Bill, 2017.

  • Capital Gain Taxation:
  • Individual/HUF Domestic Company NRI
    Long Term Capital Gain Taxation
    Equity Schemes(Listed) Nil Nil Nil
    Equity Schemes(unlisted, exit by way of redemption of units) Nil Nil Nil
    Debt Schemes 20% with indexation+ 12% surcharge +3% Cess=23.0720% 20% with indexation+ 12% surcharge +3% Cess=23.0720% 20% with indexation+ 12% surcharge +3% Cess=23.0720%
    Debt Schemes(Unlisted) 20% with indexation+ 12% surcharge +3% Cess=23.0720% 20% with indexation+ 12% surcharge +3% Cess=23.0720% 20% with indexation+ 12% surcharge +3% Cess=23.0720%
    Short Term Capital Gain Taxation
    Equity Schemes 15% + 12% Surcharge+3% Cess = 17.3040 15% + 12% Surcharge+3% Cess = 17.3040 15% + 12% Surcharge+3% Cess = 17.3040
    Debt Schemes As per Individual Income Slab Rates As per Individual Income Slab Rates As per Individual Income Slab Rates
  • Individual/HUF Domestic Company NRI
    Dividend Distribution Tax
    Equity Schemes Nil Nil Nil
    Debt Schemes 25%+12% surcharge+3% cess 30%+12% surcharge+3% cess 25%+12% surcharge+3% cess
  • * Tax Deducted at Source(Applicable only to NRI Investors)
    For individual investors :
  • PAN card, Passport, Driving License, Voter ID, Aadhar Card, Ration card.
  • Passport, Driving License, Voter ID, Aadhar Card, Mobile/Land Line Bill, Rental Agreement, Ration Card, Gas bond with Bill, Sale deed, Property Tax, Electricity Bill, Aadhar Card.

  • For non-individual investors :
  • Documents pertaining to constitution and registration of the entity as required by the KYC process.

Frequently Ask Questions

A: The non-refundable fee paid to the Asset Management Company at the time of redemption or transfer of units between schemes of mutual funds is called “exit load”. It is deducted from the NAV (selling price) at the time of such redemption or transfer.

A: Redemption price is the price received on selling units of an open-ended scheme. If the fund does not levy an exit load, the redemption price will be same as the NAV. The redemption price will be lower than the NAV in case the fund levies an exit load.

A: A scheme that invests primarily in other schemes of the same mutual fund or other mutual funds is known as a FOF scheme. A FOF scheme enables the investors to achieve greater diversification through one scheme. It spreads risks across a wider field.

A: A systematic investment plan is one where an investor contributes a fixed amount every month and at the prevailing NAV the units are credited to his account. Today many funds offer this facility

A: The fund managers are allowed certain flexibility in altering the asset allocation considering the interest of the investors.

A: According to SEBI Regulations, transfer of units is required to be done within thirty days from the date of lodgment of certificates with the mutual fund.

A: No. With effect from 1st October 1998, units of a mutual fund gifted by unitholders are no longer chargeable under the Gift Tax.

A: Yes, there is a difference. IPOs of companies may open at lower or higher price than the issue price depending on market sentiment and perception of investors. However, in the case of mutual funds, the par value of the units may not rise or fall immediately after allotment. A mutual fund scheme takes some time to make investment in securities. NAV of the scheme depends on the value of securities in which the funds have been deployed.

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