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    Mutual Funds

    Mutual funds are a vehicle for investing in stocks and bonds. It is not an alternative investment option to stocks and bonds, but rather it pools the money of several investors and invests this in stocks, bonds, money market instruments and other types of securities. Buying a mutual fund is like buying a small slice of a big pizza. The owner of a mutual fund unit gets a proportional share of the fund’s gains, losses, income and expenses. Each mutual fund has a specific stated objective (what the fund will invest in) which is laid out in its prospectus – the legal document that contains information about the fund, its history, its officers and its performance. The mutual fund regulations require that the fund’s objectives are clearly spelt out in the prospectus. Some popular objectives include equity (stocks), debt (fixed income securities) and money markets. Mutual Funds in India are managed by an Asset Management Company (AMC) that may have several mutual fund schemes with similar or varied investment objectives. AMCs hire a professional money manager, who buys and sells securities in line with the fund's stated objective. All AMCs Regulated by Securities and Exchange Board of India (SEBI) and funds are governed by a Board of Directors that is supposed to represent the shareholders' interests, rather than the AMC’s. More

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    • How are mutual fund capital gains taxed after retirement?

      In case your you are a resident for the purpose of income tax and your total income as reduced by various deductions is below the exemption limit, you can set off your STCG and LTCG of first category and LTCG of third category against any short fall in your basic exemption.

    • 'Took Rs 2 crore loan': Man turned Rs 6 crore into Rs 41 crore wealth in 20 years through smart investing

      A post on X is going viral showing how a man turned Rs 6 crore into Rs 41.7 crore in 20 years using mutual funds, a Systematic Withdrawal Plan, and a commercial property.

    • Trying to balance risk and returns? Here’s why balanced advantage funds get attention

      They promise flexibility, downside protection and equity-like returns, but how do they actually work in real life?

    • ‘Invested Rs 8 crore’: Man bought Rs 10 crore house using mutual funds to pay EMIs, ended with Rs 10.5 crore

      A post on X recently went viral showing how a man bought a Rs 10 crore house without spending all his cash. He invested Rs 8 crore in mutual funds, paid Rs 2 crore as down payment, and used the investment returns to cover his EMIs.

    • Here’s why Zerodha Co-founder Nithin Kamath says, “No one can predict which asset class will do well."

      Kamath’s message reflects a broader principle in investing. Rather than trying to time markets or predict winners, investors may benefit more from maintaining a balanced allocation

    • Bank Nifty falls: What it means for investors in bank funds

      The recent weakness in Bank Nifty warrants a measured response rather than a reactive one, says Nitin Agarwal of InCred Money.

    • Post-Covid returns inflated expectations, now sanity is returning, says Mirae Asset Investment Managers CEO Swarup Mohanty

      Right now, valuations have become more reasonable and the margin of safety has improved in favour of investors, Mohanty tells Moneycontrol

    • 'Investments grew....': Woman earning Rs 1.2 LPA per month builds Rs 2 crore portfolio in just 10 years

      An engineer’s cousin quietly built a Rs 2 crore portfolio over 10 years by investing Rs 60K monthly, maintaining an emergency fund, and living modestly, proving that disciplined investing can lead to financial independence.

    • HDFC gold ETF can invest in derivatives under new rules; here's what investors should know

      While the HDFC Gold ETF will continue to remain largely tied to physical gold, the change gives it more flexibility in how it gains that exposure

    • SIP returns trail category averages across market-caps, but gaps narrow over time

      Market experts say this divergence is largely a function of recent market conditions

    • 'Calculated risks pay off': Man turns Rs 20 lakh loan against mutual funds into Rs 3 crore with bold 15-year plan

      An X post went viral explaining how a man took a loan against Rs 50 lakh in mutual funds to buy a shop and turned into Rs 2.5 - 3 crore in mutual funds.

    • Why your mutual fund returns don’t match what you take home

      The returns you see on paper and the money that actually lands in your account can be very different, once costs, timing and behaviour come into play

    • SOA or demat: The small choice that changes how you invest in mutual funds

      It sounds like a safe add-on when you take a home loan, but home loan insurance isn’t always as necessary or cost-effective as it is made out to be

    • DIIs hit first Rs 1 lakh crore in 39 sessions, add second in just 12 sessions

      So far in 2026, DIIs have invested over Rs 2.03 lakh crore in equities, continuing their strong participation after record inflows of more than Rs 7.75 lakh crore in 2025 and over Rs 5.23 lakh crore in 2024.

    • Looking beyond mutual funds? Why Specialised Investment Funds are getting attention

      A growing category that sits between mutual funds and PMS is quietly changing how high-value portfolios are built.

    • Gifting mutual funds or stocks to your children: How to do it without future complications

      Transferring investments is easy — transferring them correctly takes a little thought.

    • As markets turned volatile, 63% of mutual funds raised cash levels in February

      Equity-oriented schemes accounted for the bulk of these inflows, raising Rs 3,955 crore.

    • AlphaGrep gets mutual fund licence from SEBI

      AlphaGrep has evolved from a boutique quantitative trading desk into a global trading and investment firm managing over Rs 8,500 crore as of February 28, 2026. The firm has also emerged as one of the largest participants by trading volume on domestic exchanges.

    • Changed your mind about a nominee in EPF or mutual funds? Here’s what you can do

      Nomination details aren’t set in stone. If life changes, the nominee on your financial accounts can usually be changed too.

    • Is it worth adding international mutual funds to your portfolio?

      Investing outside India can add diversification and access to global companies, but it works best when used thoughtfully rather than as a trend to follow.

    • DIIs invest Rs 58,000 crore in eight sessions as markets slide on West Asia tensions

      On February 27, March 2 and March 4, when both the Sensex and Nifty corrected nearly 1.4 percent each day, DIIs purchased equities worth Rs 12,300 crore, Rs 8,600 crore and Rs 12,000 crore respectively

    • Need cash but don’t want to sell your mutual funds? Here’s another option

      Instead of redeeming your mutual fund units during a cash crunch, some investors choose to borrow against them.

    • What common mistakes do mutual fund investors make during market volatility?

      Many investors believe they are diversified simply because they own mutual fund schemes

    • India’s household wealth still locked in gold, property despite retail investing boom: NISM Director

      India currently has about 34 crore households, with a household savings rate of roughly 18 percent of GDP. However, only 5.3 percent of these savings flow into financial products, leaving a large portion of capital outside formal financial markets

    • Retail investing boom masks participation gap in India’s markets: NISM Director

      Demat accounts in the country have crossed 21 crore, but only about 4.5 crore accounts are actively used by traders or investors, he said.

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