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Mutual Funds

Maximise your wealth with market-linked returns

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Forward-looking research

Forward-looking research

Funds are handpicked with a focus on expected future performance rather than past returns to identify future winners.

Consolidated investment dashboard

Consolidated investment dashboard

Get an organised overview of your investment portfolio, including product and asset-class breakdowns, for easier tracking and management.

Seamlessly digital

Seamlessly digital

100% digital process, including Investment Services Account opening and mutual fund KYC completion. No branch visits required.

Tailored to your needs

Tailored to your needs

Our team of experts help you identify suitable funds based on your specific needs and risk tolerance.

Mutual Funds

Mutual Funds are a simple and smart way to grow your money. They work by pooling money from many investors, which is then managed by professional fund managers. These experts invest the money across a mix of assets—like stocks, bonds, and money market instruments—based on the fund’s objective and risk level.

This approach lets you invest in a wide range of assets without having to manage everything yourself. Whether you're planning for retirement, saving for your child’s education, or working toward a big purchase, there’s likely a Mutual Fund that fits your goals. Read more...

Benefits of Mutual Funds

Mutual Funds offer investors various benefits like:

  • 1

    Professional management

  • 2

    Tax efficiency

  • 3

    Liquidity

  • 4

    Regulatory transparency

  • 5

    Diversification

  • 6

    Convenience

Illustration highlighting mutual fund benefits

Take the first step towards wealth creation

Enjoy higher interest rates, monthly interest credits, zero-fee banking, and invest in top-performing mutual funds!

Know More Open an Account
Mutual Funds

How do Mutual Funds work?

Take a look at this simple graphic that breaks down how Mutual Funds work.

How do Mutual Funds work?

Take a look at this simple graphic that breaks down how Mutual Funds work.

Investor
Investor
Pool their money
Fund Manager
Fund Manager
Invests on behalf
of Investors
Returns
Returns
Returns are
shared
Securities -
Shares/bonds
Securities - Shares/bonds
Investments generates
returns

Supercharge your SIP with the step-up calculator

Accelerate your mutual fund investments to achieve your financial goals faster

₹

100 1Cr

 years

1 year 99 year

%

5% 30%

Step-Up

Option to increase your SIP installment amount at pre-defined intervals, in turn boosting your investments.

₹

10K 10Cr

%

10% 30%

After 3 years your investment value will be

Regular SIP

Total Future Value

₹10,36,960
Investment 4,00,000 Returns

4,00,000

Step-up SIP

Total Future Value

₹19,36,960
Investment 8,00,000 Returns

11,36,960
Start SIP
₹

100 10Cr

 years

1 year 99 year

%

5% 30%

Monthly SIP Amount

₹1,40,000/-
Start SIP

Lumpsum Amount

₹

10k 10Cr

 years
1 Year

1 Year 50 Year

%
10%

1% 30%

Total Investment

15,000
+

Wealth Gained

15,000

Total Investment

15,000
+

Wealth Gained

15,000

Current Investment Value

71,000
Invest Now
Invest Now

Use our Risk Profiler for portfolio recommendations adjusted to your risk appetite.

Types of Mutual Funds

There are several types of Mutual Fund schemes available for investment, but most fall into one of the following four main categories:

Equity Funds

Equity Funds primarily invest in equity shares and are required to hold at least 65% of their portfolio in equities. The main objective of these funds is capital appreciation over a medium- to long-term investment horizon. Equity funds are often categorized based on market capitalization and investment style, which is reflected in the fund’s stock holdings.

Debt Funds

Debt Funds invest in fixed-income instruments such as bonds, government securities, and treasury bills. These instruments typically offer fixed interest rates and have defined maturity periods. Debt funds come in various types, including Fixed Maturity Plans (FMPs), Gilt Funds, Liquid Funds, Short-term Funds, Long Duration Funds, Dynamic Bond Funds, and more.

Hybrid / Balanced Funds

Hybrid Funds invest in a mix of equity and debt instruments to maximize diversification. They are suitable for medium- to long-term investors who are willing to take moderate risks for balanced returns.

Taxing Saving Funds

Equity Linked Savings Schemes (ELSS) are tax-saving Mutual Funds eligible for deductions under Section 80C of the Income Tax Act. These funds not only help build wealth but also provide tax benefits, with a relatively short lock-in period of just 3 years. ELSS funds are ideal for salaried and long-term investors.

Disciplined approach for long term goals

Calculate your returns on Mutual Funds

₹

5K 5L

years

1 year 30 year

%

5% 20%

₹

Apply Now
Systematic Investment Plan Systematic
Investment Plan (SIP)
What is a SIP Investment? What is a SIP
investment?
Benefits of Starting a SIP Benefits of
Starting a SIP
How to invest How to
invest

Systematic Investment Plan (SIP)

A Systematic Investment Plan (SIP) is a disciplined way to invest a fixed amount in Mutual Funds at regular intervals. By investing consistently over time, SIPs help reduce the impact of market volatility and minimize the risks associated with market timing. It’s one of the most popular and convenient ways to invest in Mutual Funds.

What is a SIP Investment?

A SIP is a method of investing in Mutual Funds where a pre-determined amount is invested regularly—usually monthly—into a specific fund. This strategy allows investors to build wealth gradually over time.

Question mark icon representing FAQs

Benefits of Starting a SIP

Here are some key benefits of SIP investments:

  • 1 Flexibility – Choose the amount and frequency that suits your financial goals.
  • 2 Low Entry Point – Start investing with as little as ₹500 per month.
  • 3 Investment Discipline – Encourages consistent saving and investing habits.
  • 4 Rupee Cost Averaging – Helps average out the cost of fund units over time, especially in volatile markets.

How to invest

  • 1 Go to our Net-banking App and Log in
  • 2 On the home screen go to the "Mutual Funds" tab & click on “ACE Top Funds” icon
  • 3 Click on “Invest Now” CTA
  • 4 Select investment type as "SIP"
  • 5 Enter the amount you want to invest, and the top picks will be displayed on screen
  • 6 Click on “Proceed” and select "SIP Date" and  "SIP Debit Account”
  • 7 Click on "Invest Now" & Relax!

MINDFUL MONEY - Mutual Fund investing simplified!

Explore 4 essential factors to consider before investing in Mutual Funds: time horizon, risk appetite, liquidity needs, and tax savings. Learn how to make mindful investment decisions and start your journey with IDFC FIRST Bank today. Wealth creation starts here!
Learn how to navigate market ups and downs using Mutual Funds and SIPs. Discover how consistent investing can balance your costs and keep you on track toward your financial goals.
Learn how these fund categories differ, and which one might suit your risk tolerance and financial goals.
Learn the difference between Growth and IDCW option and how to choose, based on your financial needs. Whether you’re looking for regular income or long-term growth, this video has got you covered.
Save on taxes, grow with the equity market, and invest flexibly. ELSS funds help you save up to ₹1.5 lakhs under Section 80C with a short 3-year lock-in period.

Frequently asked questions

What is a Mutual Fund?

A Mutual Fund is a professionally managed investment tool that pools money from multiple investors to purchase a diversified portfolio of stocks, bonds, or other securities.

How do Mutual Funds work?

Investors buy units in a Mutual Fund, and the fund uses the pooled money to invest in a diversified portfolio of assets. The fund is managed by a professional Fund Manager who makes investment decisions.

What are the benefits of investing in Mutual Funds?

Mutual Funds offer diversification, professional management, liquidity, and access to a variety of asset classes. They are suitable for investors with different risk tolerances and financial goals.

How can you invest in Mutual Funds?

You can invest in Mutual Funds by opening an account with a Mutual Fund House. You contact a Registered Mutual Fund Distributor to guide you with the same. Many funds have minimum investment requirements.

Are there different types of Mutual Funds?

Yes, there are various types of Mutual Funds, including equity funds, debt funds, hybrid funds, solution oriented funds, and other funds such as Index Funds and Fund of Funds.

What is a Mutual Fund's Net Asset Value (NAV)?

The NAV is the per-unit market value of a Mutual Fund. It is calculated by dividing the total assets of the fund by the number of outstanding units.

Can investors buy or sell Mutual Fund units anytime?

Most Mutual Funds offer daily liquidity, allowing investors to buy or sell shares on any business day at the current NAV.

How can you assess the performance of a Mutual Fund?

You can evaluate a Mutual Fund's performance by examining its historical returns, expense ratios, risk metrics, and comparing it to relevant benchmarks.

Are Mutual Funds a good option for long-term investing?

Mutual funds can be suitable for long-term investors seeking growth, income, or diversification. They offer the benefit of professional management and risk mitigation through diversification.

Can you set up a systematic investment plan in Mutual Funds?

Yes, many Mutual Funds offer automatic investment plans, allowing you to invest a fixed amount regularly. Examples include Systematic Investment Plans (SIP), Systematic Transfer Plan (STP) and more.

How can I update the nominee information for my current Mutual Fund investments?

You can easily modify the nominee details by logging into the MF Central platform. Visit the following link to proceed:

https://app.mfcentral.com/investor/signin

More FAQs

 

AMFI-registered Mutual Fund Distributor | Date of Initial Registration: 30th March 2016 | Validity of ARN: 29th March 2028

As per SEBI circular: SEBI/IMD/CIR No. 4/ 168230/09, following are the details of the comparative commission earned by IDFC First Bank (AMFI Registered Mutual Funds Distributor) from various fund-houses, whose products are being distributed : click here