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Apply NowFunds are handpicked with a focus on expected future performance rather than past returns to identify future winners.
Get an organised overview of your investment portfolio, including product and asset-class breakdowns, for easier tracking and management.
100% digital process, including Investment Services Account opening and mutual fund KYC completion. No branch visits required.
Our team of experts help you identify suitable funds based on your specific needs and risk tolerance.
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...
The income/gains generated from this collective investment are distributed proportionately among investors like you after deducting applicable expenses. You can choose a Mutual Fund scheme based on your financial goals and start investing to achieve your objectives today. Read less
Mutual Funds offer investors various benefits like:
Professional management
Tax efficiency
Liquidity
Regulatory transparency
Diversification
Convenience
Here’s a simple illustration that simplifies how Mutual Funds work
Here’s a simple illustration that simplifies how Mutual Funds work
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 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 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 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.
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.
Calculate your returns on Mutual Funds
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:
Steps on how to invest in SIP online with IDFC FIRST Bank
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.
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.
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.
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.
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.
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.
Most Mutual Funds offer daily liquidity, allowing investors to buy or sell shares on any business day at the current NAV.
You can evaluate a Mutual Fund's performance by examining its historical returns, expense ratios, risk metrics, and comparing it to relevant benchmarks.
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.
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.