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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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    • 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.

    • India Gold ETF inflows slow to $565 million in February

      So far in 2026, inflows have surged to $3.06 billion, pushing assets under management close to $20 billion. This compares with $4.69 billion in inflows during 2025, $1.29 billion in 2024, $310 million in 2023 and just $33 million in 2022.

    • 'Invested Rs 2.8 lakh': South Delhi creator shares how she spent over Rs 4 lakh in one month

      South Delhi-based content creator Yukta Sethi shared her February expenses, revealing she spent over Rs 4 lakh, mostly on investments.

    • Which sectors may gain and where investors can find safety amid Iran Israel crisis

      As volatility rises energy, defence, gold and pharma emerge as tactical sectoral plays.

    • Sebi ends solution-oriented funds: Will your scheme be merged, closed or continue? What investors need to do

      The old scheme has to be merged with the new schemes that have similar asset allocation and risk profiles, subject to Sebi’s approval

    • Retirement planning: Should you lock money in NPS or stay flexible with mutual funds?

      This isn’t a question of which is better. It’s a question of what problem you’re trying to solve.

    • End of 'look-alike' NFO era? MF industry weighs in on SEBI’s fund regulation shake-up

      Instead of goal-labelled schemes, lifecycle funds will be structured around time horizons—such as five, ten, or fifteen years with asset allocation automatically shifting from equity to lower-risk assets as maturity approaches.

    • How to read mutual fund returns correctly and why CAGR, XIRR and absolute return all matter

      The foundation of smart investing lies in a full understanding of returns rather than in seeking maximum financial gain

    • OPINION | Vault Matters: RBI’s directive on mis-selling is a band-aid on the wound, not a cure

      RBI is trying to fix the distribution aspect of mis-selling. The role of mutual funds and insurers remains unaddressed. Sebi and IRDAI have to step up to address core issues  

    • Is it the right time to increase your exposure to small-cap funds?

      Market correction has reopened the small-cap debate. Should investors increase exposure or stay cautious?

    • Why Indian households are shifting from fixed deposits to SIP investments

      Nearly one out of every five rupees in mutual funds now flows through systematic retail participation

    • Bandhan Small Cap Fund that outperformed 93% of peers turns to internet value stocks

      The $2.1 billion fund has added holdings like Paytm, Info Edge India Ltd. and IndiaMart InterMesh Ltd. in recent months

    • IT crash hits mutual funds: Time to rebalance or stay put?

      IT stock correction dents mutual fund portfolios, with experts warning investors against blind averaging amid AI-driven uncertainty.

    • Generative AI fears trigger Rs 50,000 crore notional loss for MFs

      So far in February, Infosys has declined 16.5 percent, TCS has fallen 14 percent and HCL Technologies has dropped 14.2 percent. Tech Mahindra has declined 12 percent, while Persistent Systems and Wipro have fallen around 10 percent each. The Nifty IT index is down 14 percent during the period.

    • MFs sell Rs 4,100 crore in February so far, first net selling in three years

      The last instance of net selling was in April 2023, when mutual funds sold over Rs 4,532 crore in local equities. Prior to this, they had remained net buyers for 34 consecutive months.

    • Gold, Silver ETF assets triple in five months to cross Rs 3 lakh crore

      Gold ETF folios increased from 80.34 lakh to 1.14 crore, while silver ETF folios rose from 11.31 lakh to 47.85 lakh, representing growth of 43 percent and 323 percent, respectively.

    • Dream Money integrates with ONDC for nationwide distribution of mutual funds

      Dream Money is a financial services platform owned by Dream11 parent Dream Sports with over a million users. It aims to offer a suite of financial services and products, including insurance, investments, lending, and other digital distribution services.

    • Too many mutual funds in your portfolio? Here is how to simplify it without paying unnecessary tax or exit loads

      If your investments feel scattered across too many schemes, you can clean them up carefully without triggering avoidable tax or penalties.

    • Mukesh Ambani says Jio-Blackrock to utilise technology disruption to help build savings, client relationships

      Strap: For us at Jio-Blackrock, the opportunity is to encourage Indians to save, and to make sure that we give them the options to convert those savings into earnings, and hopefully compound their earnings so that they not only work for themselves, but they also work for the Indian economy,” Mukesh Ambani said. 

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