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Top 5 Best Low Risk Mutual Funds to Invest in 2025

Updated on May 14, 2025 , 76539 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 25 - 26

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 (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Indiabulls Liquid Fund Growth ₹2,505.72
↑ 0.50
₹1301.83.67.36.87.47.07%2M 1D2M 2D
PGIM India Insta Cash Fund Growth ₹337.302
↑ 0.06
₹3661.83.67.36.97.36.93%2M 15D2M 19D
Principal Cash Management Fund Growth ₹2,285.59
↑ 0.45
₹5,4771.83.57.26.87.37.06%2M 1D2M 2D
JM Liquid Fund Growth ₹70.693
↑ 0.01
₹2,8061.73.57.16.87.27.13%1M 10D1M 13D
Axis Liquid Fund Growth ₹2,884.73
↑ 0.55
₹32,6091.83.67.36.97.47.08%2M 4D2M 4D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 May 25

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 (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Savings Fund Growth ₹543.904
↑ 0.23
₹13,2942.34.187.37.97.75%6M 25D7M 28D
UTI Ultra Short Term Fund Growth ₹4,206.4
↑ 1.22
₹3,14323.77.36.77.27.57%5M 23D6M 23D
BOI AXA Ultra Short Duration Fund Growth ₹3,137.84
↑ 1.04
₹15523.676.46.77.19%5M 19D5M 12D
Indiabulls Ultra Short Term Fund Growth ₹2,021.64
↑ 0.84
₹180.81.54.26.2 3.23%1D1D
ICICI Prudential Ultra Short Term Fund Growth ₹27.4792
↑ 0.01
₹12,6742.13.97.677.57.53%5M 8D7M 28D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 May 25

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 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% .

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 (16 May 25) ₹543.904 ↑ 0.23   (0.04 %)
Net Assets (Cr) ₹13,294 on 31 Mar 25
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.54
Sharpe Ratio 3.09
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.75%
Effective Maturity 7 Months 28 Days
Modified Duration 6 Months 25 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,651
30 Apr 22₹11,083
30 Apr 23₹11,715
30 Apr 24₹12,595
30 Apr 25₹13,598

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 16 May 25

DurationReturns
1 Month 0.7%
3 Month 2.3%
6 Month 4.1%
1 Year 8%
3 Year 7.3%
5 Year 6.3%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.9%
2023 7.2%
2022 4.8%
2021 3.9%
2020 7%
2019 8.5%
2018 7.6%
2017 7.2%
2016 9.2%
2015 8.9%
Fund Manager information for Aditya Birla Sun Life Savings Fund
NameSinceTenure
Sunaina Cunha20 Jun 1410.87 Yr.
Kaustubh Gupta15 Jul 1113.8 Yr.
Monika Gandhi22 Mar 214.11 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash39.41%
Debt60.27%
Other0.31%
Debt Sector Allocation
SectorValue
Corporate66.69%
Cash Equivalent20.4%
Government12.6%
Credit Quality
RatingValue
AA39.1%
AAA60.9%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Shriram Finance Company Limited
Debentures | -
4%₹606 Cr60,000
Nirma Limited
Debentures | -
3%₹488 Cr48,500
364 DTB
Sovereign Bonds | -
3%₹474 Cr47,500,000
Small Industries Development Bank of India
Debentures | -
3%₹424 Cr9,000
Aditya BSL Liquid Dir Gr
Investment Fund | -
2%₹351 Cr8,342,533
↑ 564,007
182 DTB 29082025
Sovereign Bonds | -
2%₹342 Cr35,000,000
↑ 35,000,000
Mankind Pharma Ltd
Debentures | -
2%₹308 Cr30,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹304 Cr30,000
↑ 30,000
Avanse Financial Services Ltd 9.40%
Debentures | -
2%₹301 Cr30,000
ICICI Home Finance Company Limited
Debentures | -
2%₹271 Cr27,000

2. DSP BlackRock Money Manager Fund

"The primary investment objective of the Scheme is to seek to generate reasonable returns commensurate with low risk and a high degree of liquidity, from a portfolio constituted of money market securities and high quality debt securities. However, there can be no assurance that the investment objective of the Scheme will be realized."

DSP BlackRock Money Manager Fund is a Debt - Ultrashort Bond fund was launched on 31 Jul 06. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.7% since its launch.  Ranked 75 in Ultrashort Bond category.  Return for 2024 was 6.9% , 2023 was 6.7% and 2022 was 4.1% .

Below is the key information for DSP BlackRock Money Manager Fund

DSP BlackRock Money Manager Fund
Growth
Launch Date 31 Jul 06
NAV (16 May 25) ₹3,380.48 ↑ 0.94   (0.03 %)
Net Assets (Cr) ₹3,349 on 31 Mar 25
Category Debt - Ultrashort Bond
AMC DSP BlackRock Invmt Managers Pvt. Ltd.
Rating
Risk Moderately Low
Expense Ratio 1.02
Sharpe Ratio 0.58
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.26%
Effective Maturity 5 Months 23 Days
Modified Duration 5 Months 5 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,384
30 Apr 22₹10,698
30 Apr 23₹11,250
30 Apr 24₹12,023
30 Apr 25₹12,899

DSP BlackRock Money Manager 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 DSP BlackRock Money Manager Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25

DurationReturns
1 Month 0.5%
3 Month 2.2%
6 Month 3.8%
1 Year 7.3%
3 Year 6.6%
5 Year 5.2%
10 Year
15 Year
Since launch 6.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 6.9%
2023 6.7%
2022 4.1%
2021 2.9%
2020 4.7%
2019 7.3%
2018 5%
2017 6%
2016 7.5%
2015 7.9%
Fund Manager information for DSP BlackRock Money Manager Fund
NameSinceTenure
Karan Mundhra31 May 213.92 Yr.
Shalini Vasanta1 Jan 250.33 Yr.

Data below for DSP BlackRock Money Manager Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash65.9%
Debt33.74%
Other0.36%
Debt Sector Allocation
SectorValue
Corporate50.14%
Cash Equivalent32.8%
Government16.7%
Credit Quality
RatingValue
AA5.09%
AAA94.91%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
LIC Housing Finance Ltd
Debentures | -
4%₹158 Cr1,500
364 DTB 06112025
Sovereign Bonds | -
3%₹97 Cr10,000,000
Small Industries Development Bank Of India
Debentures | -
2%₹79 Cr750
Small Industries Development Bank Of India
Debentures | -
2%₹79 Cr750
↑ 500
182 DTB 31072025
Sovereign Bonds | -
2%₹64 Cr6,500,000
Cholamandalam Investment And Finance Company Limited
Debentures | -
2%₹62 Cr500
National Bank For Agriculture And Rural Development
Debentures | -
1%₹53 Cr5,000
LIC Housing Finance Ltd
Debentures | -
1%₹53 Cr500
National Bank For Agriculture And Rural Development
Debentures | -
1%₹53 Cr500
↑ 250
Tata Capital Housing Finance Limited
Debentures | -
1%₹52 Cr500
↑ 500

3. ICICI Prudential Ultra Short Term Fund

(Erstwhile ICICI Prudential Regular Income Fund)

The fund’s objective is to generate regular income through investments primarily in debt and money market instruments. As a secondary objective, the Scheme also seeks to generate long term capital appreciation from the portion of equity investments under the Scheme.

ICICI Prudential Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 3 May 11. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.5% since its launch.  Ranked 27 in Ultrashort Bond category.  Return for 2024 was 7.5% , 2023 was 6.9% and 2022 was 4.5% .

Below is the key information for ICICI Prudential Ultra Short Term Fund

ICICI Prudential Ultra Short Term Fund
Growth
Launch Date 3 May 11
NAV (16 May 25) ₹27.4792 ↑ 0.01   (0.04 %)
Net Assets (Cr) ₹12,674 on 31 Mar 25
Category Debt - Ultrashort Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.86
Sharpe Ratio 1.69
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Months (0.5%),1 Months and above(NIL)
Yield to Maturity 7.53%
Effective Maturity 7 Months 28 Days
Modified Duration 5 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,634
30 Apr 22₹11,041
30 Apr 23₹11,666
30 Apr 24₹12,510
30 Apr 25₹13,448

ICICI Prudential Ultra Short Term 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 ICICI Prudential Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25

DurationReturns
1 Month 0.6%
3 Month 2.1%
6 Month 3.9%
1 Year 7.6%
3 Year 7%
5 Year 6.1%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.5%
2023 6.9%
2022 4.5%
2021 4%
2020 6.5%
2019 8.4%
2018 7.5%
2017 6.9%
2016 9.8%
2015 9.1%
Fund Manager information for ICICI Prudential Ultra Short Term Fund
NameSinceTenure
Manish Banthia15 Nov 168.46 Yr.
Ritesh Lunawat15 Jun 177.88 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash47.44%
Debt52.28%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate56.44%
Cash Equivalent23.12%
Government20.17%
Credit Quality
RatingValue
AA21.29%
AAA78.71%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.3% Govt Stock 2028
Sovereign Bonds | -
4%₹585 Cr58,000,000
182 Days Tbill
Sovereign Bonds | -
4%₹488 Cr50,000,000
LIC Housing Finance Limited
Debentures | -
3%₹437 Cr4,350
Bharti Telecom Limited
Debentures | -
2%₹327 Cr32,500
↓ -2,500
National Bank For Agriculture And Rural Development
Debentures | -
2%₹307 Cr30,500
Small Industries Development Bank Of India
Debentures | -
2%₹300 Cr3,000
L&T Metro Rail (Hyderabad) Limited
Debentures | -
2%₹300 Cr3,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹251 Cr2,500
LIC Housing Finance Limited
Debentures | -
2%₹226 Cr2,250
Oberoi Realty Ltd.
Debentures | -
1%₹201 Cr20,000

4. Kotak Savings Fund

(Erstwhile Kotak Treasury Advantage Fund)

The investment objective of the Scheme is to generate returns through investments in debt and money market instruments with a view to reduce the interest rate risk. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

Kotak Savings Fund is a Debt - Ultrashort Bond fund was launched on 13 Aug 04. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.2% since its launch.  Ranked 44 in Ultrashort Bond category.  Return for 2024 was 7.2% , 2023 was 6.8% and 2022 was 4.5% .

Below is the key information for Kotak Savings Fund

Kotak Savings Fund
Growth
Launch Date 13 Aug 04
NAV (16 May 25) ₹42.55 ↑ 0.02   (0.04 %)
Net Assets (Cr) ₹11,873 on 31 Mar 25
Category Debt - Ultrashort Bond
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.8
Sharpe Ratio 0.92
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.32%
Effective Maturity 6 Months 14 Days
Modified Duration 6 Months 4 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,487
30 Apr 22₹10,847
30 Apr 23₹11,445
30 Apr 24₹12,246
30 Apr 25₹13,146

Kotak 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 ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for Kotak 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 16 May 25

DurationReturns
1 Month 0.6%
3 Month 2.1%
6 Month 3.8%
1 Year 7.4%
3 Year 6.8%
5 Year 5.6%
10 Year
15 Year
Since launch 7.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.2%
2023 6.8%
2022 4.5%
2021 3.2%
2020 5.8%
2019 7.8%
2018 7.4%
2017 6.7%
2016 8.2%
2015 8.6%
Fund Manager information for Kotak Savings Fund
NameSinceTenure
Deepak Agrawal15 Apr 0817.05 Yr.
Manu Sharma1 Nov 222.5 Yr.

Data below for Kotak Savings Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash65.31%
Debt34.4%
Other0.3%
Debt Sector Allocation
SectorValue
Corporate57.68%
Cash Equivalent25.06%
Government16.97%
Credit Quality
RatingValue
AA9.65%
AAA90.35%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 15052025
Sovereign Bonds | -
4%₹498 Cr50,000,000
Rural Electrification Corporation Limited
Debentures | -
4%₹478 Cr47,500
National Bank For Agriculture And Rural Development
Debentures | -
3%₹462 Cr46,000
Mankind Pharma Ltd
Debentures | -
2%₹303 Cr30,000
364 DTB 19mar2026
Sovereign Bonds | -
2%₹237 Cr25,000,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹231 Cr2,300
Bharti Telecom Limited
Debentures | -
2%₹226 Cr2,250
Bajaj Housing Finance Limited
Debentures | -
2%₹216 Cr2,150
08.49 Tn SDL 2026
Sovereign Bonds | -
2%₹204 Cr20,080,000
Vedanta Limited
Debentures | -
1%₹200 Cr20,000

5. SBI Magnum Ultra Short Duration Fund

(Erstwhile SBI Magnum InstaCash Fund)

To provide the investors an opportunity to earn returns through investment in debt & money market securities, while having the benefit of a very high degree of liquidity.

SBI Magnum Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 21 May 99. It is a fund with Low risk and has given a CAGR/Annualized return of 7.1% since its launch.  Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.5% .

Below is the key information for SBI Magnum Ultra Short Duration Fund

SBI Magnum Ultra Short Duration Fund
Growth
Launch Date 21 May 99
NAV (16 May 25) ₹5,927.78 ↑ 2.08   (0.04 %)
Net Assets (Cr) ₹12,470 on 31 Mar 25
Category Debt - Ultrashort Bond
AMC SBI Funds Management Private Limited
Rating
Risk Low
Expense Ratio 0.54
Sharpe Ratio 1.98
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.28%
Effective Maturity 8 Months 16 Days
Modified Duration 5 Months 8 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,492
30 Apr 22₹10,860
30 Apr 23₹11,460
30 Apr 24₹12,284
30 Apr 25₹13,213

SBI Magnum Ultra Short Duration 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 SBI Magnum Ultra Short Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25

DurationReturns
1 Month 0.6%
3 Month 2.1%
6 Month 3.8%
1 Year 7.6%
3 Year 7%
5 Year 5.7%
10 Year
15 Year
Since launch 7.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.4%
2023 7%
2022 4.5%
2021 3.4%
2020 5.9%
2019 8%
2018 7.9%
2017 6.6%
2016 7.7%
2015 8.3%
Fund Manager information for SBI Magnum Ultra Short Duration Fund
NameSinceTenure
Rajeev Radhakrishnan27 Dec 240.34 Yr.
Ardhendu Bhattacharya1 Dec 231.41 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash62.76%
Debt37.01%
Other0.22%
Debt Sector Allocation
SectorValue
Cash Equivalent43.04%
Corporate36.98%
Government19.76%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
5.63% Govt Stock 2026
Sovereign Bonds | -
4%₹583 Cr58,500,000
↑ 57,500,000
HDFC Bank Ltd.
Debentures | -
3%₹472 Cr10,000
↓ -2,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹424 Cr4,250
National Bank For Agriculture And Rural Development
Debentures | -
3%₹416 Cr4,150
↑ 2,150
Hdb Financial Services Limited
Debentures | -
2%₹345 Cr34,500
INDIA UNIVERSAL TRUST AL2
Unlisted bonds | -
2%₹302 Cr400
Citicorp Finance (India) Limited
Debentures | -
2%₹251 Cr25,000
Rec Limited
Debentures | -
2%₹243 Cr2,450
05.95 Tn SDL 2025
Sovereign Bonds | -
2%₹230 Cr23,000,000
Tata Capital Housing Finance Limited
Debentures | -
1%₹221 Cr2,200

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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