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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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  • Should you really put your long-term money into retirement mutual funds?

    They sound made for the job, but that doesn’t mean they suit everyone

  • Smallcaps, midcaps, IPOs stumbled in 2025, yet retail investors keep the faith

    Even as midcaps, smallcaps, and IPOs lost their way through 2025, Indian retail investors poured record amounts into these segments—a paradox revealing extraordinary conviction amid widespread losses

  • MidCap, SmallCap inflows in 2025 hit record high despite scheme delivers muted returns

    Of the 140 stocks in the BSE MidCap index, 86 ended the year with negative returns, while in the BSE SmallCap index, 871 of the 1,186 stocks were in the red. In the BSE100 index, 61 stocks posted gains and 39 recorded losses.

  • Flexi-cap and gold ETFs shine as equity mutual fund flows see minor dip in December

    The Indian mutual fund industry’s assets under management (AUM) eased slightly to about Rs 80.2 lakh crore in December 2025, down from Rs 80.8 lakh crore in November

  • Domestic institutions ramp up MF, insurance, AIF and pension investments in 2025; FIIs lag

    Mutual funds recorded the strongest increase, with equity assets rising 20.6 percent during the year to Rs 52.25 lakh crore from Rs 43.34 lakh crore a year earlier.

  • Point-to-Point vs Rolling Returns for Mutual Funds: Full Breakdown

    Point-to-point returns or rolling returns — which one should you trust while choosing a mutual fund? Most investors compare mutual funds using 1-year or 3-year returns—but that can be misleading! In this episode of MC Explains, brought to you by Moneycontrol.com and Invesco Mutual Fund, we break down the essential difference between these two return metrics and how they impact your fund-selection decisions. Mutual fund NAVs change every day, and depending on the date you pick, point-to-point returns can vary drastically.

  • Chart of the Day | Flexi cap funds redefine investor strategy in 2025

    The concentration of flows in flexi cap funds, coupled with rising interest in gold and silver ETFs reveals a market seeking both flexibility and hedging instruments

  • How to invest in direct mutual funds for your child without overcomplicating it

    You don’t need special “child plans” to build money for your child. A simple direct mutual fund, structured correctly, can do the job more efficiently.

  • SEBI board clears expansion of credit rating agencies’ mandate beyond SEBI-regulated instruments

    SEBI's move to expand credit ratings agencies' mandate is aimed at addressing regulatory gaps faced by market participants, while putting in place safeguards to ensure clear separation between SEBI-regulated rating activities and non-SEBI-regulated businesses.

  • Direct vs regular mutual funds in 2025: Which option actually works better for you

    The difference between direct and regular funds is not about returns alone, it is about advice, behaviour, and how you actually invest over time

  • Mutual Funds keep cash buffers elevated in November amid market gains

    Fresh data from ACE Equities show aggregate cash holdings in active equity schemes eased to 4.68 percent in November from 4.79 percent in October. In absolute terms, however, reserves held largely steady at about Rs 2.02 lakh crore, compared with Rs 2.03 lakh crore a month earlier.

  • What are ESG mutual funds in India and should you invest in them in 2025?

    A clear look at how ESG funds work, how they have evolved in India, and whether they deserve a place in your long-term portfolio.

  • How to use SWP in mutual funds to create a steady retirement income

    A simple guide to how a systematic withdrawal plan can create reliable monthly income, protect your corpus and help you avoid running out of money too early.

  • MF assets cross Rs 80 lakh cr on broad-based inflows; equity, hybrid and ETFs drive Nov momentum

    Systematic Investment Plan (SIP) inflows remained healthy at Rs 29,445 crore, down just 0.3% MoM due to the month ending on a weekend.

  • Swiggy QIP: SBI MF, ICICI Prudential MF, Temasek, GIC, and others drive over 4X demand for Rs 10,000 crore QIP

    Temasek, an early backer of Eternal (formerly Zomato), is now looking to bet on Swiggy, sources told Moneycontrol.

  • India’s MF AUM could surge past Rs 300 lakh crore as SIP ticket sizes jump across investor segments: Report

    Salaried millennials in metros now contribute the largest SIP amounts, with average monthly SIPs around Rs 10,000

  • Children are influencing parents to invest, says Groww's Harsh Jain as equity becomes mainstream

    The popular SIP inflows have demonstrated a significant 25 percent CAGR over the past decade, primarily driven by young and new-to-equity market investors from smaller towns and cities

  • Should you invest in sectoral mutual funds in 2025? What they are, and the pros and cons explained

    A simple guide to understanding how sectoral funds work and whether they belong in your portfolio today.

  • MF leaders welcome SEBI’s REIT-as-Equity Move; tax opportunities seen as advantages amid liquidity concerns

    SEBI’s move to classify REITs as equity from January 1 is expected to boost mutual fund participation by easing regulatory limits.

  • How to register a nominee for your bank accounts, mutual funds, and EPF online

    A nomination ensures that your money reaches the person you intend without long legal delays, yet many savers skip this simple step until it becomes a problem for their families.

  • Loan against mutual funds: A flexible way to raise cash without selling investments

    A loan against mutual funds lets you unlock money from your investments without selling them, but it only works well if the need is short term and you are disciplined about repayment.

  • MFs invest over Rs 13,500 crore across 10 IPOs in Oct

    Canara HSBC Life leads with heavy mutual fund demand, while Tata Capital and Lenskart draw muted interest in a mixed month for primary markets

  • Mutual Funds keep cash buffers high in October amid market gains

    Active equity schemes retain elevated reserves even as markets rise and foreign inflows return.

  • PPFAS plans new large-cap fund, sparks investor questions on one-equity-fund philosophy; CEO Parikh to clarify

    The proposed Parag Parikh Large Cap Fund marks the fund house’s first new equity offering in over a decade. Over the years, PPFAS added a few distinctly positioned schemes -- tax-saving, income-oriented, or asset-allocation tools -- rather than overlapping equity products.

  • MF sector unlocks new milestone as equity assets cross Rs 50 lakh crore mark for first time

    The AUC stood at Rs 50.83 lakh crore, marking a record high and a sharp 30 percent rise from the February low of Rs 39.21 lakh crore

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