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Top 5 Best Low Risk Mutual Funds to Invest in 2022

Updated on August 4, 2022 , 62122 views

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.

low-risk-mf

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 22 - 23

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.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2021 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
JM Liquid Fund Growth ₹58.6298
↑ 0.01
₹1,9001.223.743.35.11%1M 8D1M 11D
PGIM India Insta Cash Fund Growth ₹279.28
↑ 0.04
₹6241.223.743.34.61%20D22D
Principal Cash Management Fund Growth ₹1,893.38
↑ 0.22
₹2,3631.223.73.83.25.14%1M 5D1M 5D
Indiabulls Liquid Fund Growth ₹2,079.81
↑ 0.28
₹2291.11.93.53.83.14.35%17D18D
Essel Liquid Fund Growth ₹2,351.72
↑ 0.30
₹811.22.24.23.93.45.02%22D22D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 5 Aug 22

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.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2021 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Savings Fund Growth ₹445.87
↓ -0.10
₹14,1611.223.95.43.96.37%6M 4D6M 7D
UTI Ultra Short Term Fund Growth ₹3,499.36
↓ -0.16
₹1,9481.11.86.25.46.15.68%4M 9D4M 15D
Indiabulls Ultra Short Term Fund Growth ₹2,021.64
↑ 0.84
₹180.81.54.26.2 3.23%1D1D
BOI AXA Ultra Short Duration Fund Growth ₹2,636.48
↓ -0.09
₹1251.11.83.44.33.25.73%3M 22D3M 29D
ICICI Prudential Ultra Short Term Fund Growth ₹22.7086
↑ 0.00
₹10,4891.21.93.85.345.74%4M 2D4M 13D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 5 Aug 22

1. Aditya Birla Sun Life Savings Fund

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 CAGR/Annualized return of 7.4% since its launch.  Ranked 6 in Ultrashort Bond category.  Return for 2021 was 3.9% , 2020 was 7% and 2019 was 8.5% .

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund
Growth
Launch Date 16 Apr 03
NAV (05 Aug 22) ₹445.87 ↓ -0.10   (-0.02 %)
Net Assets (Cr) ₹14,161 on 30 Jun 22
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.47
Sharpe Ratio 0.15
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.37%
Effective Maturity 6 Months 7 Days
Modified Duration 6 Months 4 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 17₹10,000
31 Jul 18₹10,652
31 Jul 19₹11,591
31 Jul 20₹12,516
31 Jul 21₹13,090
31 Jul 22₹13,592

Aditya Birla Sun Life Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Aditya Birla Sun Life Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 22

DurationReturns
1 Month 0.4%
3 Month 1.2%
6 Month 2%
1 Year 3.9%
3 Year 5.4%
5 Year 6.3%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2021 3.9%
2020 7%
2019 8.5%
2018 7.6%
2017 7.2%
2016 9.2%
2015 8.9%
2014 9.7%
2013 9.5%
2012 9.7%
Fund Manager information for Aditya Birla Sun Life Savings Fund
NameSinceTenure
Sunaina Cunha14 Jun 148.14 Yr.
Kaustubh Gupta15 Jul 1111.05 Yr.
Monika Gandhi22 Mar 211.36 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 30 Jun 22

Asset Allocation
Asset ClassValue
Cash60.68%
Debt39.32%
Debt Sector Allocation
SectorValue
Corporate56.2%
Cash Equivalent22.35%
Government21.45%
Credit Quality
RatingValue
AA10.8%
AAA89.2%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Housing Development Finance Corporation Ltd
Debentures | -
4%₹603 Cr6,000
182 Dtb 08092022
Sovereign Bonds | -
3%₹397 Cr40,000,000
Shriram Transport Finance Company Limited
Debentures | -
2%₹282 Cr2,750
Reliance Industries Limited
Debentures | -
2%₹259 Cr2,500
08.54 MH Sdl 2023
Sovereign Bonds | -
2%₹249 Cr24,500,000
Housing Development Finance Corporation Ltd
Debentures | -
2%₹246 Cr2,450
08.21 HR UDAY 2023
Domestic Bonds | -
2%₹238 Cr23,500,000
↑ 500,000
08.39 RJ UDAY 2023
Domestic Bonds | -
1%₹218 Cr21,477,000
08.24 GJ Sdl 2023
Sovereign Bonds | -
1%₹213 Cr21,000,000
08.48 KA Sdl 2022
Sovereign Bonds | -
1%₹201 Cr20,000,000

2. Franklin India Ultra Short Bond Fund - Super Institutional Plan

To provide a combination of regular income and high liquidity by investing primarily in a mix of short term debt and money market instruments.

Franklin India Ultra Short Bond Fund - Super Institutional Plan is a Debt - Ultrashort Bond fund was launched on 18 Dec 07. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.9% since its launch.  Return for 2021 was 11.9% , 2020 was 4% and 2019 was 9.6% .

Below is the key information for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Franklin India Ultra Short Bond Fund - Super Institutional Plan
Growth
Launch Date 18 Dec 07
NAV (05 Aug 22) ₹34.8738 ↑ 0.04   (0.12 %)
Net Assets (Cr) ₹295 on 30 Jun 22
Category Debt - Ultrashort Bond
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderate
Expense Ratio 0.52
Sharpe Ratio 2.87
Information Ratio 0
Alpha Ratio 0
Min Investment 10,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 0%
Effective Maturity 1 Year 15 Days
Modified Duration

Growth of 10,000 investment over the years.

DateValue
31 Jul 17₹10,000
31 Jul 18₹10,763
31 Jul 19₹11,810
31 Jul 20₹12,348
31 Jul 21₹13,377
31 Jul 22₹15,185

Franklin India Ultra Short Bond Fund - Super Institutional Plan SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148
Invest Now

Purchase not allowed

Returns for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 22

DurationReturns
1 Month 0.5%
3 Month 1.2%
6 Month 5.8%
1 Year 13.5%
3 Year 8.7%
5 Year 8.7%
10 Year
15 Year
Since launch 8.9%
Historical performance (Yearly) on absolute basis
YearReturns
2021 11.9%
2020 4%
2019 9.6%
2018 8.7%
2017 8.2%
2016 9.7%
2015 9.7%
2014 10%
2013 10%
2012 10.3%
Fund Manager information for Franklin India Ultra Short Bond Fund - Super Institutional Plan
NameSinceTenure
Santosh Kamath25 Oct 183.77 Yr.
Pallab Roy1 Jun 0814.18 Yr.

Data below for Franklin India Ultra Short Bond Fund - Super Institutional Plan as on 30 Jun 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent100%
Credit Quality
RatingValue
A100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
SBI Overnight Fund Dir Gr
Investment Fund | -
100%₹296 Cr846,137
Call, Cash & Other Assets
Net Current Assets | -
0%₹0 Cr

3. Essel Liquid Fund

To provide high level of liquidity with reasonable returns commensurating with low risk through a portfolio of money market & debt securities. However, there can be no assurance that the investment objective will be achieved. The scheme does not assure or guarantee any returns.

Essel Liquid Fund is a Debt - Liquid Fund fund was launched on 19 Feb 10. It is a fund with Low risk and has given a CAGR/Annualized return of 7.1% since its launch.  Ranked 12 in Liquid Fund category.  Return for 2021 was 3.4% , 2020 was 3.7% and 2019 was 6.2% .

Below is the key information for Essel Liquid Fund

Essel Liquid Fund
Growth
Launch Date 19 Feb 10
NAV (05 Aug 22) ₹2,351.72 ↑ 0.30   (0.01 %)
Net Assets (Cr) ₹81 on 30 Jun 22
Category Debt - Liquid Fund
AMC Essel Funds Management Company Ltd
Rating
Risk Low
Expense Ratio 0.19
Sharpe Ratio 1.77
Information Ratio -2.96
Alpha Ratio 0.14
Min Investment 1,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 5.02%
Effective Maturity 22 Days
Modified Duration 22 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 17₹10,000
31 Jul 18₹10,700
31 Jul 19₹11,481
31 Jul 20₹12,004
31 Jul 21₹12,368
31 Jul 22₹12,881

Essel Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Essel Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 22

DurationReturns
1 Month 0.4%
3 Month 1.2%
6 Month 2.2%
1 Year 4.2%
3 Year 3.9%
5 Year 5.2%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2021 3.4%
2020 3.7%
2019 6.2%
2018 7.4%
2017 6.8%
2016 7.8%
2015 8.4%
2014 9.2%
2013 9.5%
2012 9.9%
Fund Manager information for Essel Liquid Fund
NameSinceTenure
Surbhi Sharma11 Mar 220.39 Yr.

Data below for Essel Liquid Fund as on 30 Jun 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent90.13%
Corporate9.87%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps/Reverse Repo/Net Current Assets/Cash/Cash Equivalent
Net Current Assets | -
24%₹16 Cr
Housing Development Finance Corporation Ltd
Debentures | -
15%₹10 Cr1,000,000
91 DTB 06102022
Sovereign Bonds | -
15%₹10 Cr1,000,000
↑ 1,000,000
Godrej Industries
Commercial Paper | -
13%₹9 Cr900,000
↑ 900,000
Ujjivan Small Finance Bank Limited
Certificate of Deposit | -
12%₹8 Cr800,000
91 Dtb 08092022
Sovereign Bonds | -
7%₹5 Cr500,000
Northern Arc Capital Limited
Commercial Paper | -
7%₹5 Cr500,000
Time Technoplast Limited
Commercial Paper | -
7%₹5 Cr500,000
91 Dtb 07072022
Sovereign Bonds | -
₹0 Cr00
↓ -1,000,000
91 Dtb 13072022
Sovereign Bonds | -
₹0 Cr00
↓ -500,000

4. IDBI Liquid Fund

The investment objective of the Scheme will be to provide investors with high level of liquidity along with regular income for their investment. The Scheme will endeavour to achieve this objective through an allocation of the investment corpus in a low risk portfolio of money market and debt instruments with maturity of up to 91 days. However, there can be no assurance that the investment objective of the Scheme will be realized.

IDBI Liquid Fund is a Debt - Liquid Fund fund was launched on 9 Jul 10. It is a fund with Low risk and has given a CAGR/Annualized return of 7.2% since its launch.  Ranked 37 in Liquid Fund category.  Return for 2021 was 3.4% , 2020 was 4.5% and 2019 was 6.6% .

Below is the key information for IDBI Liquid Fund

IDBI Liquid Fund
Growth
Launch Date 9 Jul 10
NAV (06 Aug 22) ₹2,306.54 ↑ 0.35   (0.02 %)
Net Assets (Cr) ₹650 on 30 Jun 22
Category Debt - Liquid Fund
AMC IDBI Asset Management Limited
Rating
Risk Low
Expense Ratio 0.17
Sharpe Ratio -1.5
Information Ratio -1.92
Alpha Ratio -0.21
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 4.73%
Effective Maturity 25 Days
Modified Duration 25 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 17₹10,000
31 Jul 18₹10,697
31 Jul 19₹11,494
31 Jul 20₹12,126
31 Jul 21₹12,538
31 Jul 22₹13,006

IDBI Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for IDBI Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 22

DurationReturns
1 Month 0.4%
3 Month 1.2%
6 Month 2%
1 Year 3.8%
3 Year 4.2%
5 Year 5.4%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2021 3.4%
2020 4.5%
2019 6.6%
2018 7.5%
2017 6.6%
2016 7.5%
2015 8.3%
2014 9%
2013 9%
2012 9.7%
Fund Manager information for IDBI Liquid Fund
NameSinceTenure
Raju Sharma3 May 175.25 Yr.

Data below for IDBI Liquid Fund as on 30 Jun 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent83.97%
Corporate8.38%
Government7.65%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
91 DTB 13102022
Sovereign Bonds | -
21%₹134 Cr13,608,000
↑ 13,608,000
Treps
CBLO/Reverse Repo | -
10%₹67 Cr
182 Dtb 29092022
Sovereign Bonds | -
9%₹59 Cr6,000,000
↑ 6,000,000
Punjab National Bank
Certificate of Deposit | -
8%₹50 Cr5,000,000
Aditya Birla Money
Commercial Paper | -
8%₹50 Cr5,000,000
KEC International
Commercial Paper | -
8%₹50 Cr5,000,000
Housing Development Finance Corp Ltd.
Commercial Paper | -
8%₹50 Cr5,000,000
Reliance Retail Ventures Limited
Commercial Paper | -
8%₹50 Cr5,000,000
Hdfc Bank Limited
Certificate of Deposit | -
5%₹30 Cr3,000,000
J.K.Cement Limited
Commercial Paper | -
5%₹30 Cr3,000,000
↑ 3,000,000

5. Baroda Pioneer Liquid Fund

To generate income with a high level of liquidity by investing in a portfolio of money market and debt securities.

Baroda Pioneer Liquid Fund is a Debt - Liquid Fund fund was launched on 5 Feb 09. It is a fund with Low risk and has given a CAGR/Annualized return of 6.9% since its launch.  Ranked 22 in Liquid Fund category.  Return for 2021 was 3.3% , 2020 was 4.1% and 2019 was 6.6% .

Below is the key information for Baroda Pioneer Liquid Fund

Baroda Pioneer Liquid Fund
Growth
Launch Date 5 Feb 09
NAV (05 Aug 22) ₹2,467.5 ↑ 0.26   (0.01 %)
Net Assets (Cr) ₹5,830 on 30 Jun 22
Category Debt - Liquid Fund
AMC Baroda Pioneer Asset Management Co. Ltd.
Rating
Risk Low
Expense Ratio 0.31
Sharpe Ratio -2.07
Information Ratio -2.4
Alpha Ratio -0.19
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 5.3%
Effective Maturity 1 Month 17 Days
Modified Duration 1 Month 13 Days

Growth of 10,000 investment over the years.

DateValue
31 Jul 17₹10,000
31 Jul 18₹10,702
31 Jul 19₹11,496
31 Jul 20₹12,093
31 Jul 21₹12,485
31 Jul 22₹12,952

Baroda Pioneer Liquid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Baroda Pioneer Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Aug 22

DurationReturns
1 Month 0.4%
3 Month 1.2%
6 Month 2%
1 Year 3.8%
3 Year 4.1%
5 Year 5.3%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2021 3.3%
2020 4.1%
2019 6.6%
2018 7.5%
2017 6.7%
2016 7.8%
2015 8.4%
2014 9.1%
2013 9.2%
2012 9.7%
Fund Manager information for Baroda Pioneer Liquid Fund
NameSinceTenure
Alok Sahoo5 Feb 0913.49 Yr.
Vikram Pamnani14 Mar 220.38 Yr.

Data below for Baroda Pioneer Liquid Fund as on 30 Jun 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent75.57%
Corporate14.88%
Government9.56%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps 18-Jul-2022
CBLO/Reverse Repo | -
8%₹557 Cr
182 Dtb 15092022
Sovereign Bonds | -
5%₹372 Cr37,500,000
HDFC Bank Limited
Certificate of Deposit | -
5%₹348 Cr7,000
↓ -1,420
Indian Oil Corporation Limited
Commercial Paper | -
5%₹348 Cr7,000
↑ 7,000
Canara Bank
Certificate of Deposit | -
4%₹299 Cr6,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
4%₹299 Cr6,000
5.00% Reverse Repo 18-Jul-2022
CBLO/Reverse Repo | -
4%₹250 Cr
4.81% Reverse Repo 18-Jul-2022
CBLO/Reverse Repo | -
4%₹250 Cr
Housing Development Finance Corporation Limited
Commercial Paper | -
4%₹249 Cr5,000
Larsen And Toubro Limited
Commercial Paper | -
3%₹199 Cr4,000

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.

Disclaimer:
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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Sanjoy Kumar Pal, posted on 6 Nov 20 9:39 PM

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prateek, posted on 10 Apr 20 4:45 PM

good information on funds. appreciated!!!

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