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Mutual Funds

Maximise 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 pools of money managed by professional Fund Managers. A Fund Manager invests the collected money in equities, bonds, money market instruments, and/or other securities as per the objective of the scheme and defined risk profile of the investment. This enables you to align your investments with specific financial goals, like saving for retirement, education, or a major purchase. You can achieve your financial goals while managing risk and taking advantage of professional management expertise. 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

How do Mutual Funds work?

Here’s a simple illustration that simplifies how Mutual Funds work

How do Mutual Funds work?

Here’s a simple illustration that simplifies 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

Types of Mutual Funds

There are several types of Mutual Fund schemes available for investment, though most Mutual Funds fall into one of these four main categories.

Equity Funds

Equity Funds primarily invest in equity shares. Equity funds must hold at least 65%  in equity shares. The principal objective of these investments is capital appreciation over a medium- to long-term investment horizon. The size of an equity fund is determined by market capitalization. The investment style, reflected in the fund's stock holdings, is also used to categorize Equity Mutual Funds.

Debt Funds

Debt Funds invest in fixed-income securities such as bonds, securities, and treasury bills. These instruments typically have fixed interest rates and maturity dates.  These funds are available in various forms such as Fixed Maturity Plans (FMPs), Gilt Funds, Liquid Funds, Short-term Funds, Long Duration Funds, Dynamic Bond Funds, and so on.

Hybrid / Balanced Funds

Hybrid funds invest in both debt instruments and equities to achieve maximum diversification. They are ideal for medium- to long-term investors willing to take moderate risks.

Taxing Saving Funds

Equity Linked Saving Scheme or ELSS is a tax saving investment under 80C. The benefits of a Mutual Fund of this type are that it offers both - building wealth and saving on taxes – with a lock-in period of only 3 years. This investment is best suited to long-term and salaried investors.

Disciplined approach for long term goals

Calculate your returns on Mutual Funds

₹

5K 5L

years

1 year 30 year

%

5% 20%

₹

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Systematic Investment Plan Systematic
Investment Plan
What is SIP investment? What is SIP
investment?
Benefits of initiating an SIP Benefits of
initiating an SIP
How to invest in SIP How to
invest in SIP

Systematic Investment Plan

Systematic Investment Plans or SIPs involve investing a fixed amount in Mutual Funds regularly. With this approach, volatility and market timing risks are potentially reduced. It is one of the ways in which you can invest in Mutual Funds.

What is SIP investment?

SIP investment is an approach to investing in Mutual Funds in which a certain fixed and pre-defined amount of money is allocated regularly towards a specific Mutual Fund.

Benefits of initiating an SIP

Some SIP investment benefits are:

  • 1 Flexibility
  • 2 Start as low as INR 500 per month
  • 3 Investment discipline
  • 4 Rupee cost averaging to average out price of the units

Steps on how to invest in SIP online with IDFC FIRST Bank

  • 1 Go to our Netbanking App and Log in
  • 2 On the home screen go to the Invest section & click on “My Investments” icon
  • 3 Click on “Quick Invest” icon
  • 4 Toggle the Lumpsum button to the “SIP” side
  • 5 Enter the amount you want to invest, and the top picks will be displayed on screen
  • 6 Click on “Proceed to Invest” and select “SIP Debit Account”
  • 7 Click on “Invest Now” and confirm the transaction

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 can reach out to 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.

More FAQs

 

AMFI-registered Mutual Fund Distributor

Date of Initial Registration: 30th March 2016

Validity of ARN: 29th March 2025