Table of Contents
- What are Low Risk Investment Funds?
- Best Low Risk Mutual Funds FY 25 - 26
- Frequently Asked Questions
- 1. How can I choose the best fund?
- 2. What is the appropriate investment type that has the lowest risk?
- 3. What is the use of a mutual fund calculator?
- 4. How much can I invest?
- 5. Is there a right time to invest?
- 6. Do I need a bank account to invest in mutual funds?
- 7. Is it necessary to contact a fund manager?
- 8. Can I withdraw my invested money?
- 9. Would I have to pay any penalty if I withdraw early?
Top 5 Funds
Top 5 Best Low Risk Mutual Funds to Invest in 2025
Generally, a newbie to investment or a senior citizen who wants to secure their funds look for low-risk Mutual Funds. When an investor wants to invest in a low-risk mutual funds it's usually because he needs to secure his money or earn optimal returns in a short duration.
So, if you are one of those you can read more
What are Low Risk Investment Funds?
Many investors look forward to Investing in mutual funds as these offer higher returns and also are more tax efficient than other instruments like fixed deposits. But, when it comes to risk-averse investors, these are investors who are looking for secure returns and can’t tolerate risk in investments. Also, a risk-averse investor won’t prefer investing in equities, as they are highly risky funds.
Debt fund are suited for risk-averse or even a newbie investor who is willing to invest in Mutual Funds. As debt funds invest in government Bonds, Money market funds, etc., they are relatively safer. There are various types of debt funds like Liquid Funds, ultra-short term funds, short term funds, dynamic bonds, gilts funds, etc., that vary in risks. long term debt funds are risky funds, thus investors with a low-risk appetite should avoid investing in these funds.
Liquid funds and ultra-short term funds are the lowest risky funds that’s aims at generating optimal returns for a short duration. Thus a newbies investor who wants to earn good returns on their idle money within a shorter tenure can invest here.
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Best Low Risk Mutual Funds FY 25 - 26
Liquid Funds
Liquid funds invest in securities that have a low maturity period, usually less than 91 days. These funds provide easy liquidity and are least volatile than the other types of debt instruments. Also, liquids are a better option than traditional Bank Savings Account. In comparison to bank account, liquid funds provide 7-8% of annual interest. Investors who want risk-free investment can ideally prefer investing in these funds. Here are the top 5 Best Liquid Funds.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2023 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Indiabulls Liquid Fund Growth ₹2,447.15
↑ 0.45 ₹147 1.7 3.5 7.3 6.3 7.4 7.1% 23D 23D PGIM India Insta Cash Fund Growth ₹329.482
↑ 0.06 ₹451 1.7 3.5 7.3 6.4 7.3 7.03% 1M 10D 1M 10D Principal Cash Management Fund Growth ₹2,233.36
↑ 0.40 ₹7,187 1.7 3.5 7.3 6.4 7.3 7.11% 1M 10D 1M 10D JM Liquid Fund Growth ₹69.0951
↑ 0.01 ₹1,897 1.7 3.5 7.2 6.4 7.2 7.09% 1M 14D 1M 18D Axis Liquid Fund Growth ₹2,817.62
↑ 0.55 ₹34,674 1.8 3.5 7.4 6.5 7.4 7.06% 1M 10D 1M 11D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Jan 25
Ultra Short Term Funds
These funds invest in a combination of debt instruments like treasury bills, commercial papers, certificate of deposits, and corporate bonds. The funds have a lower residual maturity, ranging from 6 months to 1 year. Ultra Short Term fund offer good returns with very less Market Volatility. Newbie investors who are looking for better returns than Liquid Funds should prefer investing in these funds, as they provide better returns than liquid funds. Here are the top 5 best ultra-short term funds.
The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents. Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments.
However there can be no assurance that the investment objectives of the Scheme will be realized. BOI AXA Liquid Fund is a Debt - Liquid Fund fund was launched on 16 Jul 08. It is a fund with Low risk and has given a Below is the key information for BOI AXA Liquid Fund Returns up to 1 year are on To provide a high level of liquidity with reasonable returns commensurating with low risk through a portfolio of money market and debt securities. However there can be no assurance that the investment objective of the scheme will be achieved. Axis Liquid Fund is a Debt - Liquid Fund fund was launched on 9 Oct 09. It is a fund with Low risk and has given a Below is the key information for Axis Liquid Fund Returns up to 1 year are on The Scheme seeks to generate reasonable returns commensurate with low risk from a portfolio constituted of money market and high quality debts DSP BlackRock Liquidity Fund is a Debt - Liquid Fund fund was launched on 23 Nov 05. It is a fund with Low risk and has given a Below is the key information for DSP BlackRock Liquidity Fund Returns up to 1 year are on (Erstwhile DHFL Pramerica Insta Cash Plus Fund) To generate steady returns along with high liquidity by investing in a portfolio of short-term, high quality money market and debt instruments. PGIM India Insta Cash Fund is a Debt - Liquid Fund fund was launched on 5 Sep 07. It is a fund with Low risk and has given a Below is the key information for PGIM India Insta Cash Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2023 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Savings Fund Growth ₹528.905
↑ 0.16 ₹15,890 1.9 3.8 7.8 6.6 7.9 7.61% 5M 8D 7M 17D UTI Ultra Short Term Fund Growth ₹4,102.29
↑ 0.92 ₹3,039 1.6 3.5 7.1 6.1 7.2 7.59% 4M 28D 5M 9D BOI AXA Ultra Short Duration Fund Growth ₹3,062.26
↑ 0.68 ₹185 1.6 3.3 6.6 5.8 6.7 7.46% 5M 19D 5M 23D Indiabulls Ultra Short Term Fund Growth ₹2,021.64
↑ 0.84 ₹18 0.8 1.5 4.2 6.2 3.23% 1D 1D ICICI Prudential Ultra Short Term Fund Growth ₹26.7578
↑ 0.01 ₹13,935 1.7 3.5 7.4 6.3 7.5 7.6% 4M 28D 5M 16D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Jan 25 1. Aditya Birla Sun Life Savings Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 6 in Ultrashort Bond category. Return for 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (17 Jan 25) ₹528.905 ↑ 0.16 (0.03 %) Net Assets (Cr) ₹15,890 on 15 Dec 24 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.54 Sharpe Ratio 3.32 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.61% Effective Maturity 7 Months 17 Days Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹10,702 31 Dec 21 ₹11,119 31 Dec 22 ₹11,648 31 Dec 23 ₹12,483 31 Dec 24 ₹13,463 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 25 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 3.8% 1 Year 7.8% 3 Year 6.6% 5 Year 6.1% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.9% 2022 7.2% 2021 4.8% 2020 3.9% 2019 7% 2018 8.5% 2017 7.6% 2016 7.2% 2015 9.2% 2014 8.9% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 10.54 Yr. Kaustubh Gupta 15 Jul 11 13.48 Yr. Monika Gandhi 22 Mar 21 3.78 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 15 Dec 24
Asset Allocation
Asset Class Value Cash 42.53% Debt 57.22% Other 0.25% Debt Sector Allocation
Sector Value Corporate 56.9% Cash Equivalent 37.01% Government 5.84% Credit Quality
Rating Value AA 31.99% AAA 68.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Housing Bank 7.83%
Debentures | -5% ₹820 Cr 82,000 Shriram Finance Company Limited
Debentures | -4% ₹603 Cr 60,000 Cd - Union Bank Of India - 02/04/25
Debentures | -3% ₹489 Cr 10,000 Nirma Limited
Debentures | -3% ₹487 Cr 48,500 National Housing Bank
Debentures | -3% ₹400 Cr 40,000 Tata Realty And Infrastructure Limited
Debentures | -2% ₹360 Cr 36,000 Rural Electrification Corporation Limited
Debentures | -2% ₹325 Cr 32,500 7.3% Govt Stock 2028
Sovereign Bonds | -2% ₹316 Cr 31,500,000 Bajaj Housing Finance Ltd. 8%
Debentures | -2% ₹301 Cr 30,000 Avanse Financial Services Ltd 9.40%
Debentures | -2% ₹299 Cr 30,000 2. BOI AXA Liquid Fund
CAGR/Annualized return of 6.7% since its launch. Ranked 34 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.9% . BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (19 Jan 25) ₹2,915.37 ↑ 0.56 (0.02 %) Net Assets (Cr) ₹1,657 on 30 Nov 24 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.1 Sharpe Ratio 7.01 Information Ratio -1.21 Alpha Ratio 0.02 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.05% Effective Maturity 1 Month 24 Days Modified Duration 1 Month 24 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹10,411 31 Dec 21 ₹10,751 31 Dec 22 ₹11,280 31 Dec 23 ₹12,075 31 Dec 24 ₹12,973 Returns for BOI AXA Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 25 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.6% 1 Year 7.4% 3 Year 6.5% 5 Year 5.4% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.4% 2022 7% 2021 4.9% 2020 3.3% 2019 4.1% 2018 6.4% 2017 7.4% 2016 6.7% 2015 7.6% 2014 8.3% Fund Manager information for BOI AXA Liquid Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 3.38 Yr. Data below for BOI AXA Liquid Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 99.78% Other 0.22% Debt Sector Allocation
Sector Value Cash Equivalent 75.91% Corporate 23.87% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Limited
Certificate of Deposit | -6% ₹99 Cr 10,000,000 364 Days T - Bill- 06/02/2025
Sovereign Bonds | -6% ₹99 Cr 10,000,000 Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -6% ₹98 Cr 10,000,000
↑ 10,000,000 91 Days Tbill Red 27-02-2025
Sovereign Bonds | -4% ₹74 Cr 7,500,000 Canara Bank
Certificate of Deposit | -4% ₹74 Cr 7,500,000
↑ 7,500,000 HDFC Bank Limited
Certificate of Deposit | -4% ₹72 Cr 7,300,000 Kotak Securities Ltd.
Commercial Paper | -3% ₹50 Cr 5,000,000 Aditya Birla Housing Finance Limited
Commercial Paper | -3% ₹50 Cr 5,000,000 Axis Bank Limited
Certificate of Deposit | -3% ₹50 Cr 5,000,000 Blue Star Limited
Commercial Paper | -3% ₹50 Cr 5,000,000 3. Axis Liquid Fund
CAGR/Annualized return of 7% since its launch. Ranked 21 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 7.1% and 2022 was 4.9% . Axis Liquid Fund
Growth Launch Date 9 Oct 09 NAV (17 Jan 25) ₹2,817.62 ↑ 0.55 (0.02 %) Net Assets (Cr) ₹34,674 on 30 Nov 24 Category Debt - Liquid Fund AMC Axis Asset Management Company Limited Rating ☆☆☆☆ Risk Low Expense Ratio 0.23 Sharpe Ratio 4.19 Information Ratio 0 Alpha Ratio 0 Min Investment 500 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.06% Effective Maturity 1 Month 11 Days Modified Duration 1 Month 10 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹10,428 31 Dec 21 ₹10,770 31 Dec 22 ₹11,295 31 Dec 23 ₹12,092 31 Dec 24 ₹12,985 Returns for Axis Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 25 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.5% 1 Year 7.4% 3 Year 6.5% 5 Year 5.4% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.4% 2022 7.1% 2021 4.9% 2020 3.3% 2019 4.3% 2018 6.6% 2017 7.5% 2016 6.7% 2015 7.6% 2014 8.4% Fund Manager information for Axis Liquid Fund
Name Since Tenure Devang Shah 5 Nov 12 12.16 Yr. Aditya Pagaria 13 Aug 16 8.39 Yr. Sachin Jain 3 Jul 23 1.5 Yr. Data below for Axis Liquid Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 99.78% Other 0.22% Debt Sector Allocation
Sector Value Cash Equivalent 69.92% Corporate 27.99% Government 1.87% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Commercial Paper | -4% ₹1,229 Cr 25,000
↑ 25,000 Punjab National Bank Limited
Certificate of Deposit | -3% ₹1,188 Cr 24,000
↑ 24,000 State Bank Of India
Certificate of Deposit | -3% ₹998 Cr 20,000
↑ 20,000 182 DTB 30012025
Sovereign Bonds | -3% ₹933 Cr 94,004,100 Small Industries Development Bank Of India
Commercial Paper | -2% ₹800 Cr 16,000
↑ 16,000 91 DTB 21022025
Sovereign Bonds | -2% ₹741 Cr 75,000,000 Bank Of India
Certificate of Deposit | -2% ₹739 Cr 15,000
↑ 15,000 Export-Import Bank Of India
Commercial Paper | -2% ₹739 Cr 15,000
↑ 15,000 Indian Bank
Certificate of Deposit | -2% ₹738 Cr 15,000
↑ 15,000 Bank Of India
Certificate of Deposit | -2% ₹738 Cr 15,000
↑ 15,000 4. DSP BlackRock Liquidity Fund
CAGR/Annualized return of 6.9% since its launch. Ranked 36 in Liquid Fund category. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.8% . DSP BlackRock Liquidity Fund
Growth Launch Date 23 Nov 05 NAV (17 Jan 25) ₹3,613.73 ↑ 0.67 (0.02 %) Net Assets (Cr) ₹22,864 on 30 Nov 24 Category Debt - Liquid Fund AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk Low Expense Ratio 0.24 Sharpe Ratio 5.83 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.07% Effective Maturity 1 Month 6 Days Modified Duration 1 Month 2 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹10,417 31 Dec 21 ₹10,756 31 Dec 22 ₹11,275 31 Dec 23 ₹12,061 31 Dec 24 ₹12,950 Returns for DSP BlackRock Liquidity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 25 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.6% 1 Year 7.4% 3 Year 6.4% 5 Year 5.3% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.4% 2022 7% 2021 4.8% 2020 3.3% 2019 4.2% 2018 6.5% 2017 7.4% 2016 6.6% 2015 7.6% 2014 8.3% Fund Manager information for DSP BlackRock Liquidity Fund
Name Since Tenure Karan Mundhra 31 May 21 3.59 Yr. Shalini Vasanta 1 Aug 24 0.42 Yr. Data below for DSP BlackRock Liquidity Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 99.87% Other 0.13% Debt Sector Allocation
Sector Value Cash Equivalent 73.67% Corporate 26.15% Government 0.04% Credit Quality
Rating Value AA 0.25% AAA 99.75% Top Securities Holdings / Portfolio
Name Holding Value Quantity Union Bank Of India
Certificate of Deposit | -3% ₹764 Cr 15,500
↑ 5,500 91 DTB 13032025
Sovereign Bonds | -3% ₹739 Cr 75,000,000
↑ 75,000,000 Reliance Jio Infocomm Limited
Commercial Paper | -2% ₹550 Cr 11,000 Canara Bank
Certificate of Deposit | -2% ₹542 Cr 10,900 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -2% ₹504 Cr Bank Of Baroda
Certificate of Deposit | -2% ₹495 Cr 10,000 National Bank For Agriculture And Rural Development
Commercial Paper | -2% ₹399 Cr 8,000 Bank of Baroda
Certificate of Deposit | -2% ₹394 Cr 8,000
↑ 4,000 Small Industries Development Bank of India
Certificate of Deposit | -2% ₹394 Cr 8,000
↑ 8,000 Punjab National Bank
Certificate of Deposit | -2% ₹374 Cr 7,500 5. PGIM India Insta Cash Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 4 in Liquid Fund category. Return for 2024 was 7.3% , 2023 was 7% and 2022 was 4.8% . PGIM India Insta Cash Fund
Growth Launch Date 5 Sep 07 NAV (17 Jan 25) ₹329.482 ↑ 0.06 (0.02 %) Net Assets (Cr) ₹451 on 30 Nov 24 Category Debt - Liquid Fund AMC Pramerica Asset Managers Private Limited Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.27 Sharpe Ratio 4.03 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.03% Effective Maturity 1 Month 10 Days Modified Duration 1 Month 10 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹10,418 31 Dec 21 ₹10,758 31 Dec 22 ₹11,275 31 Dec 23 ₹12,066 31 Dec 24 ₹12,948 Returns for PGIM India Insta Cash Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Jan 25 Duration Returns 1 Month 0.6% 3 Month 1.7% 6 Month 3.5% 1 Year 7.3% 3 Year 6.4% 5 Year 5.3% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 7.3% 2022 7% 2021 4.8% 2020 3.3% 2019 4.2% 2018 6.7% 2017 7.4% 2016 6.7% 2015 7.7% 2014 8.4% Fund Manager information for PGIM India Insta Cash Fund
Name Since Tenure Bhupesh Kalyani 13 Sep 22 2.3 Yr. Puneet Pal 16 Jul 22 2.46 Yr. Data below for PGIM India Insta Cash Fund as on 30 Nov 24
Asset Allocation
Asset Class Value Cash 99.56% Other 0.44% Debt Sector Allocation
Sector Value Cash Equivalent 85.01% Corporate 14.55% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Clearing Corporation Of India Ltd.
CBLO/Reverse Repo | -17% ₹82 Cr Punjab National Bank
Certificate of Deposit | -9% ₹44 Cr 4,500,000 Redington (India) Limited
Commercial Paper | -5% ₹25 Cr 2,500,000
↑ 2,500,000 Barclays Investments & Loans (India) Private Limited
Commercial Paper | -5% ₹25 Cr 2,500,000 91 Days Tbill Red 27-02-2025
Sovereign Bonds | -5% ₹25 Cr 2,500,000
↓ -2,500,000 Axis Bank Limited
Certificate of Deposit | -5% ₹25 Cr 2,500,000 Aditya Birla Money Limited
Commercial Paper | -5% ₹25 Cr 2,500,000 ICICI Bank - 25/02/2025
Certificate of Deposit | -5% ₹25 Cr 2,500,000
↑ 2,500,000 Union Bank Of India
Certificate of Deposit | -5% ₹25 Cr 2,500,000
↑ 2,500,000 Bank Of Baroda
Certificate of Deposit | -5% ₹25 Cr 2,500,000
↑ 2,500,000
Frequently Asked Questions
1. How can I choose the best fund?
A. The investment choice is based upon a variety of factors, like the fund managers, historical returns, fees and loads, investment style, investment objective, investment horizon and more. Thus, to pick the best fund, make sure you analyze every important Factor cautiously before moving ahead.
2. What is the appropriate investment type that has the lowest risk?
A. Because of the unpredictable situation of the Economy and the availability of varying investment options, it is quite difficult to evaluate a safe option. However, some of the options that you can consider include bank fixed deposits, municipal bonds, certificate of deposits, and more.
3. What is the use of a mutual fund calculator?
A. The mutual fund calculator offers an investment value at maturity by evaluating the returns according to the investment horizon. You can set different variables of the calculator, like duration, anticipated return rate, frequency, investment amount and more to figure out your benefits.
4. How much can I invest?
A. The amount mainly depends upon your requirements, budget and objectives of the investment. However, keep in mind that you only invest the surplus money, irrespective of the amount.
5. Is there a right time to invest?
A. There is no right time to invest. For better and best returns, it is recommended that you should start investing right away.
6. Do I need a bank account to invest in mutual funds?
A. Yes, it is necessary to have a bank account with KYC/cKYC, aadhaar card and PAN Card to invest in mutual funds.
7. Is it necessary to contact a fund manager?
A. Yes! When investing in mutual funds, experience plays a major role so as to generate good performance. The more the experience, the better will be the possibility of gaining the best returns. Thus, make sure that you get in touch with an experienced fund manager.
8. Can I withdraw my invested money?
A. Most of the schemes in a mutual fund are open-end schemes. This allows you to withdraw the entire invested amount at any point in time. However, there could be a few situations where you may experience restrictions.
9. Would I have to pay any penalty if I withdraw early?
A. If you have invested in open-end schemes, you may not have to pay the penalty. However, some schemes might not be as liquid as the others. So, you will have to re-check this factor before investing.
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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Very Good
good information on funds. appreciated!!!