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Top 5 Best Low Risk Mutual Funds to Invest in 2022

Updated on November 27, 2022 , 66183 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 ₹59.703
↑ 0.01
₹1,5531.52.74.543.36.24%1M 4D1M 6D
Principal Cash Management Fund Growth ₹1,928.21
↑ 0.36
₹2,4661.52.74.53.93.26.63%1M 1D1M 1D
PGIM India Insta Cash Fund Growth ₹284.323
↑ 0.06
₹7131.52.74.543.36.17%1M 6D1M 9D
Indiabulls Liquid Fund Growth ₹2,116.32
↑ 0.40
₹2471.42.64.33.83.16.25%1M 1D1M 3D
Baroda Pioneer Liquid Fund Growth ₹2,513.2
↑ 0.48
₹5,8171.52.84.64.13.36.67%1M 6D1M 9D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Nov 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 ₹453.645
↑ 0.10
₹14,0751.42.74.55.23.97.45%6M6M 11D
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 ₹2,679.4
↑ 0.50
₹1421.32.64.14.13.26.85%3M 22D3M 29D
UTI Ultra Short Term Fund Growth ₹3,555.04
↑ 0.71
₹2,0731.22.53.95.26.16.87%4M 23D4M 28D
ICICI Prudential Ultra Short Term Fund Growth ₹23.0887
↑ 0.00
₹11,7521.32.64.3546.92%4M 2D4M 20D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Nov 22

1. Canara Robeco Liquid

To enhance the income, while maintaining a level of liquidity through, investment in a mix of MMI & Debt securities. However, there can be no assurance that the investment objective of the scheme will be realized.

Canara Robeco Liquid is a Debt - Liquid Fund fund was launched on 15 Jul 08. It is a fund with Low risk and has given a CAGR/Annualized return of 6.9% since its launch.  Ranked 44 in Liquid Fund category.  Return for 2021 was 3.2% , 2020 was 3.7% and 2019 was 6.4% .

Below is the key information for Canara Robeco Liquid

Canara Robeco Liquid
Growth
Launch Date 15 Jul 08
NAV (29 Nov 22) ₹2,626.47 ↑ 0.51   (0.02 %)
Net Assets (Cr) ₹2,261 on 15 Nov 22
Category Debt - Liquid Fund
AMC Canara Robeco Asset Management Co. Ltd.
Rating
Risk Low
Expense Ratio 0.14
Sharpe Ratio -3.26
Information Ratio -4.57
Alpha Ratio -0.24
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.56%
Effective Maturity 1 Month 7 Days
Modified Duration 1 Month 5 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 17₹10,000
31 Oct 18₹10,717
31 Oct 19₹11,443
31 Oct 20₹11,904
31 Oct 21₹12,280
31 Oct 22₹12,808

Canara Robeco Liquid 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 Canara Robeco Liquid

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 29 Nov 22

DurationReturns
1 Month 0.6%
3 Month 1.5%
6 Month 2.7%
1 Year 4.6%
3 Year 3.9%
5 Year 5.1%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2021 3.2%
2020 3.7%
2019 6.4%
2018 7.4%
2017 6.5%
2016 7.5%
2015 8.2%
2014 9%
2013 9.2%
2012 9.7%
Fund Manager information for Canara Robeco Liquid
NameSinceTenure
Avnish Jain1 Apr 220.59 Yr.
Kunal Jain18 Jul 220.29 Yr.

Data below for Canara Robeco Liquid as on 15 Nov 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent82.93%
Corporate12.94%
Government4.13%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps
CBLO/Reverse Repo | -
15%₹355 Cr
ICICI Home Finance Company Limited
Commercial Paper | -
5%₹114 Cr2,300
Berger Paints India Limited
Commercial Paper | -
5%₹110 Cr2,200
364 Dtb20102022
Sovereign Bonds | -
4%₹100 Cr10,000,000
↑ 10,000,000
Reliance Jio Infocomm Limited
Commercial Paper | -
4%₹100 Cr2,000
Reliance Retail Ventures Limited
Commercial Paper | -
4%₹99 Cr2,000
Small Industries Development Bank Of India
Commercial Paper | -
4%₹99 Cr2,000
↑ 2,000
India (Republic of)
Sovereign Bonds | -
4%₹99 Cr10,000,000
↑ 10,000,000
Bajaj Finance Ltd
Debentures | -
4%₹98 Cr2,000
↑ 2,000
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -
4%₹89 Cr1,800

2. BOI AXA Liquid Fund

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 CAGR/Annualized return of 6.6% since its launch.  Ranked 34 in Liquid Fund category.  Return for 2021 was 3.3% , 2020 was 4.1% and 2019 was 6.4% .

Below is the key information for BOI AXA Liquid Fund

BOI AXA Liquid Fund
Growth
Launch Date 16 Jul 08
NAV (29 Nov 22) ₹2,510.76 ↑ 0.51   (0.02 %)
Net Assets (Cr) ₹385 on 31 Oct 22
Category Debt - Liquid Fund
AMC BOI AXA Investment Mngrs Private Ltd
Rating
Risk Low
Expense Ratio 0.22
Sharpe Ratio -1.31
Information Ratio -4.42
Alpha Ratio -0.16
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.68%
Effective Maturity 1 Month 2 Days
Modified Duration 29 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 17₹10,000
31 Oct 18₹10,725
31 Oct 19₹11,461
31 Oct 20₹11,971
31 Oct 21₹12,348
31 Oct 22₹12,891

BOI AXA 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 BOI AXA 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 29 Nov 22

DurationReturns
1 Month 0.6%
3 Month 1.5%
6 Month 2.8%
1 Year 4.6%
3 Year 4%
5 Year 5.2%
10 Year
15 Year
Since launch 6.6%
Historical performance (Yearly) on absolute basis
YearReturns
2021 3.3%
2020 4.1%
2019 6.4%
2018 7.4%
2017 6.7%
2016 7.6%
2015 8.3%
2014 9%
2013 9.3%
2012 8.4%
Fund Manager information for BOI AXA Liquid Fund
NameSinceTenure
Mithraem Bharucha17 Aug 211.21 Yr.

Data below for BOI AXA Liquid Fund as on 31 Oct 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent75.88%
Corporate14.09%
Government10.03%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Repo
CBLO/Reverse Repo | -
18%₹90 Cr
Treps
CBLO/Reverse Repo | -
9%₹46 Cr
TATA Steel Limited
Commercial Paper | -
9%₹45 Cr4,500,000
↑ 2,500,000
Small Industries Development Bank Of India
Commercial Paper | -
9%₹45 Cr4,500,000
↑ 4,500,000
HDFC Bank Limited
Certificate of Deposit | -
5%₹25 Cr2,500,000
364 Dtb 17112022
Sovereign Bonds | -
5%₹25 Cr2,500,000
91 DTB 24112022
Sovereign Bonds | -
5%₹25 Cr2,500,000
Godrej Industries Limited
Commercial Paper | -
5%₹25 Cr2,500,000
Indian Oil Corporation Limited
Commercial Paper | -
5%₹25 Cr2,500,000
Housing Development Finance Corporation Limited
Commercial Paper | -
5%₹25 Cr2,500,000

3. 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 (29 Nov 22) ₹2,513.2 ↑ 0.48   (0.02 %)
Net Assets (Cr) ₹5,817 on 31 Oct 22
Category Debt - Liquid Fund
AMC Baroda Pioneer Asset Management Co. Ltd.
Rating
Risk Low
Expense Ratio 0.25
Sharpe Ratio -1.86
Information Ratio -2.31
Alpha Ratio -0.19
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.67%
Effective Maturity 1 Month 9 Days
Modified Duration 1 Month 6 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 17₹10,000
31 Oct 18₹10,727
31 Oct 19₹11,480
31 Oct 20₹11,999
31 Oct 21₹12,387
31 Oct 22₹12,927

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 29 Nov 22

DurationReturns
1 Month 0.6%
3 Month 1.5%
6 Month 2.8%
1 Year 4.6%
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
Mayank Prakash21 Oct 220.03 Yr.
Vikram Pamnani14 Mar 220.64 Yr.

Data below for Baroda Pioneer Liquid Fund as on 31 Oct 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent68.36%
Government18.83%
Corporate12.82%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps 17-Oct-2022
CBLO/Reverse Repo | -
17%₹1,107 Cr
Net Receivable / Payable
CBLO | -
6%-₹394 Cr
Export-Import Bank Of India
Commercial Paper | -
5%₹296 Cr6,000
↑ 6,000
Indian Bank
Certificate of Deposit | -
4%₹248 Cr5,000
↑ 5,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
3%₹224 Cr4,500
↑ 500
Small Industries Development Bank Of India
Commercial Paper | -
3%₹199 Cr4,000
Punjab National Bank
Certificate of Deposit | -
3%₹199 Cr4,000
Housing Development Finance Corporation Limited
Commercial Paper | -
3%₹199 Cr4,000
Axis Bank Limited
Certificate of Deposit | -
3%₹198 Cr4,000
Ntpc Limited
Commercial Paper | -
3%₹198 Cr4,000

4. Axis Liquid Fund

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 CAGR/Annualized return of 7% since its launch.  Ranked 21 in Liquid Fund category.  Return for 2021 was 3.3% , 2020 was 4.3% and 2019 was 6.6% .

Below is the key information for Axis Liquid Fund

Axis Liquid Fund
Growth
Launch Date 9 Oct 09
NAV (29 Nov 22) ₹2,428.78 ↑ 0.46   (0.02 %)
Net Assets (Cr) ₹29,703 on 15 Nov 22
Category Debt - Liquid Fund
AMC Axis Asset Management Company Limited
Rating
Risk Low
Expense Ratio 0
Sharpe Ratio -1.75
Information Ratio 0
Alpha Ratio 0
Min Investment 500
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 6.32%
Effective Maturity 1 Month 12 Days
Modified Duration 1 Month 11 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 17₹10,000
31 Oct 18₹10,725
31 Oct 19₹11,482
31 Oct 20₹12,017
31 Oct 21₹12,399
31 Oct 22₹12,939

Axis 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 Axis 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 29 Nov 22

DurationReturns
1 Month 0.6%
3 Month 1.5%
6 Month 2.8%
1 Year 4.6%
3 Year 4.1%
5 Year 5.3%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
2021 3.3%
2020 4.3%
2019 6.6%
2018 7.5%
2017 6.7%
2016 7.6%
2015 8.4%
2014 9.1%
2013 9.2%
2012 9.7%
Fund Manager information for Axis Liquid Fund
NameSinceTenure
Devang Shah5 Nov 129.99 Yr.
Aditya Pagaria13 Aug 166.22 Yr.

Data below for Axis Liquid Fund as on 15 Nov 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent84.7%
Corporate10.78%
Government4.52%
Credit Quality
RatingValue
AA0.26%
AAA99.74%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Clearing Corporation Of India Ltd
CBLO/Reverse Repo | -
13%₹3,585 Cr
Reliance Industries Limited
CBLO/Reverse Repo | -
4%₹1,151 Cr
182 Dtb 10112022
Sovereign Bonds | -
4%₹996 Cr100,000,000
↑ 63,000,000
National Bank For Agriculture And Rural Development
Commercial Paper | -
4%₹992 Cr20,000
91 DTB 03112022
Sovereign Bonds | -
3%₹897 Cr90,000,000
↑ 70,000,000
Small Industries Development Bank Of India
Commercial Paper | -
3%₹793 Cr16,000
Union Bank Of India
Certificate of Deposit | -
3%₹690 Cr14,000
↑ 14,000
Reliance Retail Ventures Limited
Commercial Paper | -
2%₹598 Cr12,000
L&T Metro Rail (Hyderabad) Limited
Commercial Paper | -
2%₹500 Cr10,000
L&T Finance Limited
Commercial Paper | -
2%₹499 Cr10,000
↑ 10,000

5. 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 7.1% 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 (29 Nov 22) ₹2,349.02 ↑ 0.44   (0.02 %)
Net Assets (Cr) ₹823 on 31 Oct 22
Category Debt - Liquid Fund
AMC IDBI Asset Management Limited
Rating
Risk Low
Expense Ratio 0.17
Sharpe Ratio -1.23
Information Ratio -1.92
Alpha Ratio -0.21
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.49%
Effective Maturity 1 Month 14 Days
Modified Duration 1 Month 14 Days

Growth of 10,000 investment over the years.

DateValue
31 Oct 17₹10,000
31 Oct 18₹10,720
31 Oct 19₹11,477
31 Oct 20₹12,038
31 Oct 21₹12,437
31 Oct 22₹12,981

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 29 Nov 22

DurationReturns
1 Month 0.6%
3 Month 1.5%
6 Month 2.8%
1 Year 4.6%
3 Year 4.2%
5 Year 5.4%
10 Year
15 Year
Since launch 7.1%
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 175.5 Yr.

Data below for IDBI Liquid Fund as on 31 Oct 22

Asset Allocation
Asset ClassValue
Cash100%
Debt Sector Allocation
SectorValue
Cash Equivalent48.14%
Corporate28.23%
Government23.64%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps
CBLO/Reverse Repo | -
12%₹86 Cr
Indian Bank
Certificate of Deposit | -
10%₹75 Cr7,500,000
↑ 7,500,000
Godrej Industries Ltd.
Commercial Paper | -
8%₹59 Cr6,000,000
↑ 6,000,000
Bajaj Finance Limited
Commercial Paper | -
7%₹50 Cr5,000,000
Punjab National Bank
Certificate of Deposit | -
7%₹50 Cr5,000,000
Axis Bank Limited
Certificate of Deposit | -
7%₹50 Cr5,000,000
Hdfc Bank Limited
Certificate of Deposit | -
7%₹49 Cr5,000,000
Small Industries Development Bank Of India
Commercial Paper | -
7%₹49 Cr5,000,000
Canara Bank
Certificate of Deposit | -
7%₹49 Cr5,000,000
Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -
7%₹49 Cr5,000,000

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

Very Good

prateek, posted on 10 Apr 20 4:45 PM

good information on funds. appreciated!!!

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