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

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Mutual Fund



Right Mutual Funds Created Wealth Historically.
Taste Equity, SIP by SIP for Longer Term.

*SIP - Systematic Investment Plan , ROR - Rate of Return,
NAV - Net Asset value, CAGR - Compounded Annual Growth rate

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  • 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.
  • Securities Exchange Board of India (SEBI) is the regulatory body for all the mutual funds. All the mutual funds must get registered with SEBI.
An investor who does not have the expertise to analyse various stock and bond options can look into mutual funds since:
  • Expensive stocks can be easily accessed without having to invest large sums.
  • Investing in a number of assets diversifies the risk of the investor.
  • Professional fund managers manage the investments with inputs from investment analysts.
  • Mutual funds are usually institutions that hold bargaining power in markets and hence have access to vital corporate information that individual investors do not
A very important risk involved in mutual fund investments is the market risk. When the market is in doldrums, most of the equity funds will also experience a downturn. However, the company specific risks are largely eliminated due to professional fund management.
There are 2 types of mutual funds based on the maturity period:
  • Open-ended fund: A fund that is available for subscription throughout the year and investors can buy and sell units at NAV related prices. These funds do not have a fixed maturity date.
  • Close-ended fund: A fund that has a defined maturity period. These funds are open for subscription for a specified period at the time of initial launch. They are listed on a recognized stock exchange.

Taxability

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Snapshot on Tax rates specific to Mutual Funds

  • The Rates are applicable for the FY 2015-16 and are subject to enactment of the finance bill, 2015
  • 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)

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