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Mutual Fund

Mutual Funds

A mutual fund is an instrument wherein money is pooled from numerous investors who wish to invest their money and grow their wealth. Investing in a mutual fund is easier than selecting the stocks or bonds on your own and doing continuous study and monitoring for the investments made. 


As at 31st March 2017, Assets Under Management in Mutual Fund Industry are more than Rs. 18,00,000 Crores. It is expected to grow much more hence forward.


Mutual Fund Debt Schemes like Liquid Fund are widely used by Businesses as Liquidity Management Tool.


Various Type of Mutual Funds as per the instruments they invest in, investment mandate and time horizon of investment holding are as follows -

- Liquid Funds

- Liquid Plus Funds

- Short Term Debt Funds

- Medium Term Debt Funds

- Long Term Debt Funds

- Gilt Funds

- Arbitrage Funds

- Income Funds

- Balanced Funds (Debt Oriented)

- Balanced Funds (Equity Oriented)

- Large Cap Equity Funds

- Diversified Equity Funds

- Equity Linked Saving Scheme (ELSS) Section 80C Benefit under Income Tax Act, 1961

- Mid Cap Equity Funds

- Small Cap Equity Funds

- Alternative Investment Funds - e.g. Long-Short Funds, REITS, INVITS, Real Estate Funds

- Gold ETFs

- Fund of Funds

- Infrastructure Debt Funds



Advantages of Investing in Mutual funds are -

- Higher Inflation Adjusted Returns in Equity Mutual Funds

- Diversification to  Portfolio

- Liquidity

- Tax Saving and Tax Efficient

- Tax Deferral Benefit

- Professional investment management

- Reduced Expense ratio due to economies of scale

- Online Transactions

- Well Regulated (By SEBI)

- Transparency