Table of Contents
- What are Low Risk Investment Funds?
- Best Low Risk Mutual Funds FY 25 - 26
- Frequently Asked Questions
- 1. How can I choose the best fund?
- 2. What is the appropriate investment type that has the lowest risk?
- 3. What is the use of a mutual fund calculator?
- 4. How much can I invest?
- 5. Is there a right time to invest?
- 6. Do I need a bank account to invest in mutual funds?
- 7. Is it necessary to contact a fund manager?
- 8. Can I withdraw my invested money?
- 9. Would I have to pay any penalty if I withdraw early?
Top 5 Debt - Ultrashort Bond Funds
Top 5 Best Low Risk Mutual Funds to Invest in 2025
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.
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.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Indiabulls Liquid Fund Growth ₹2,516.45
↑ 1.68 ₹142 1.9 3.7 7.3 6.8 7.4 6.42% 1M 18D 1M 19D PGIM India Insta Cash Fund Growth ₹338.725
↑ 0.19 ₹449 1.9 3.6 7.3 6.9 7.3 6.48% 1D 2D Principal Cash Management Fund Growth ₹2,295.05
↑ 1.17 ₹5,708 1.8 3.6 7.2 6.9 7.3 6.54% 1M 10D 1M 9D JM Liquid Fund Growth ₹70.9985
↑ 0.05 ₹2,680 1.8 3.6 7.2 6.9 7.2 6.46% 1M 10D 1M 13D Axis Liquid Fund Growth ₹2,896.89
↑ 1.57 ₹39,069 1.9 3.6 7.3 7 7.4 6.53% 1M 11D 1M 14D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Jun 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.
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 Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on (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 Below is the key information for ICICI Prudential Ultra Short Term Fund Returns up to 1 year are on (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 Below is the key information for Kotak Savings Fund Returns up to 1 year are on (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 Below is the key information for SBI Magnum Ultra Short Duration Fund Returns up to 1 year are on "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 Below is the key information for DSP BlackRock Money Manager Fund Returns up to 1 year are on Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Savings Fund Growth ₹547.154
↑ 0.89 ₹17,263 2.6 4.3 8.3 7.4 7.9 7.27% 5M 16D 6M 14D UTI Ultra Short Term Fund Growth ₹4,228.62
↑ 5.11 ₹4,131 2.2 3.8 7.5 6.8 7.2 6.95% 5M 22D 5M 28D BOI AXA Ultra Short Duration Fund Growth ₹3,154.87
↑ 3.61 ₹222 2.2 3.7 7.2 6.5 6.7 6.62% 5M 19D 5M 23D Indiabulls Ultra Short Term Fund Growth ₹2,021.64
↑ 0.84 ₹18 0.8 1.5 4.2 6.2 3.23% 1D 1D ICICI Prudential Ultra Short Term Fund Growth ₹27.643
↑ 0.04 ₹15,092 2.4 4.1 7.8 7.1 7.5 7.05% 5M 1D 8M 8D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Jun 25 1. Aditya Birla Sun Life Savings Fund
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% . Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (06 Jun 25) ₹547.154 ↑ 0.89 (0.16 %) Net Assets (Cr) ₹17,263 on 30 Apr 25 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.54 Sharpe Ratio 2.71 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.27% Effective Maturity 6 Months 14 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,553 31 May 22 ₹10,948 31 May 23 ₹11,646 31 May 24 ₹12,512 31 May 25 ₹13,520 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Jun 25 Duration Returns 1 Month 0.9% 3 Month 2.6% 6 Month 4.3% 1 Year 8.3% 3 Year 7.4% 5 Year 6.3% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Sunaina Cunha 20 Jun 14 10.95 Yr. Kaustubh Gupta 15 Jul 11 13.89 Yr. Monika Gandhi 22 Mar 21 4.2 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 39.18% Debt 60.56% Other 0.26% Debt Sector Allocation
Sector Value Corporate 65.93% Cash Equivalent 22.75% Government 11.05% Credit Quality
Rating Value AA 34.49% AAA 65.51% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bank of Baroda
Debentures | -5% ₹827 Cr 17,000
↑ 17,000 Shriram Finance Company Limited
Debentures | -4% ₹611 Cr 60,000 Nirma Limited
Debentures | -3% ₹488 Cr 48,500 364 DTB
Sovereign Bonds | -3% ₹475 Cr 47,500,000 Small Industries Development Bank of India
Debentures | -2% ₹425 Cr 9,000 182 DTB 29082025
Sovereign Bonds | -2% ₹343 Cr 35,000,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹316 Cr 3,150
↑ 500 Mankind Pharma Ltd
Debentures | -2% ₹308 Cr 30,500 National Bank For Agriculture And Rural Development
Debentures | -2% ₹305 Cr 30,000 Avanse Financial Services Ltd 9.40%
Debentures | -2% ₹301 Cr 30,000 2. ICICI Prudential Ultra Short Term Fund
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% . ICICI Prudential Ultra Short Term Fund
Growth Launch Date 3 May 11 NAV (06 Jun 25) ₹27.643 ↑ 0.04 (0.15 %) Net Assets (Cr) ₹15,092 on 30 Apr 25 Category Debt - Ultrashort Bond AMC ICICI Prudential Asset Management Company Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.86 Sharpe Ratio 1.83 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 7.05% Effective Maturity 8 Months 8 Days Modified Duration 5 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,557 31 May 22 ₹10,938 31 May 23 ₹11,616 31 May 24 ₹12,448 31 May 25 ₹13,394 Returns for ICICI Prudential Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Jun 25 Duration Returns 1 Month 0.8% 3 Month 2.4% 6 Month 4.1% 1 Year 7.8% 3 Year 7.1% 5 Year 6.1% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Manish Banthia 15 Nov 16 8.55 Yr. Ritesh Lunawat 15 Jun 17 7.97 Yr. Data below for ICICI Prudential Ultra Short Term Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 45.16% Debt 54.6% Other 0.24% Debt Sector Allocation
Sector Value Corporate 58.73% Government 21.33% Cash Equivalent 19.69% Credit Quality
Rating Value AA 18.56% AAA 81.44% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.11% Govt Stock 2028
Sovereign Bonds | -7% ₹1,102 Cr 109,000,000 LIC Housing Finance Limited
Debentures | -4% ₹602 Cr 6,000 182 Days Tbill
Sovereign Bonds | -3% ₹491 Cr 50,000,000 Bharti Telecom Limited
Debentures | -2% ₹347 Cr 34,500
↑ 2,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹308 Cr 30,500 Small Industries Development Bank Of India
Debentures | -2% ₹300 Cr 3,000 National Bank For Agriculture And Rural Development
Debentures | -2% ₹276 Cr 2,750
↑ 250 Larsen And Toubro Limited
Debentures | -2% ₹251 Cr 25,000 LIC Housing Finance Limited
Debentures | -1% ₹226 Cr 2,250 HDFC Bank Ltd.
Debentures | -1% ₹213 Cr 4,500 3. Kotak Savings Fund
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% . Kotak Savings Fund
Growth Launch Date 13 Aug 04 NAV (06 Jun 25) ₹42.7924 ↑ 0.06 (0.14 %) Net Assets (Cr) ₹14,924 on 30 Apr 25 Category Debt - Ultrashort Bond AMC Kotak Mahindra Asset Management Co Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.8 Sharpe Ratio 1.3 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 6.85% Effective Maturity 5 Months 23 Days Modified Duration 5 Months 16 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,414 31 May 22 ₹10,755 31 May 23 ₹11,410 31 May 24 ₹12,204 31 May 25 ₹13,108 Returns for Kotak Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Jun 25 Duration Returns 1 Month 0.8% 3 Month 2.4% 6 Month 3.9% 1 Year 7.6% 3 Year 6.9% 5 Year 5.6% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Deepak Agrawal 15 Apr 08 17.14 Yr. Manu Sharma 1 Nov 22 2.58 Yr. Data below for Kotak Savings Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 57.12% Debt 42.62% Other 0.26% Debt Sector Allocation
Sector Value Corporate 57.04% Government 22.14% Cash Equivalent 20.56% Credit Quality
Rating Value AA 8.83% AAA 91.17% Top Securities Holdings / Portfolio
Name Holding Value Quantity 8.2% Govt Stock 2025
Sovereign Bonds | -5% ₹806 Cr 80,000,000
↑ 80,000,000 Bajaj Housing Finance Limited
Debentures | -4% ₹600 Cr 5,950
↑ 3,800 National Bank For Agriculture And Rural Development
Debentures | -4% ₹563 Cr 56,000
↑ 10,000 Rural Electrification Corporation Limited
Debentures | -3% ₹478 Cr 47,500 Mankind Pharma Ltd
Debentures | -2% ₹303 Cr 30,000 182 Days Tbill
Sovereign Bonds | -2% ₹245 Cr 25,000,000
↑ 25,000,000 364 DTB 19mar2026
Sovereign Bonds | -2% ₹238 Cr 25,000,000 National Bank For Agriculture And Rural Development
Debentures | -1% ₹232 Cr 2,310
↑ 10 Bharti Telecom Limited
Debentures | -1% ₹226 Cr 2,250 08.49 Tn SDL 2026
Sovereign Bonds | -1% ₹204 Cr 20,080,000 4. SBI Magnum Ultra Short Duration Fund
CAGR/Annualized return of 7.1% since its launch. Return for 2024 was 7.4% , 2023 was 7% and 2022 was 4.5% . SBI Magnum Ultra Short Duration Fund
Growth Launch Date 21 May 99 NAV (06 Jun 25) ₹5,961.78 ↑ 7.24 (0.12 %) Net Assets (Cr) ₹15,125 on 30 Apr 25 Category Debt - Ultrashort Bond AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Low Expense Ratio 0.54 Sharpe Ratio 2.1 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.77% Effective Maturity 6 Months 22 Days Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,421 31 May 22 ₹10,761 31 May 23 ₹11,428 31 May 24 ₹12,245 31 May 25 ₹13,177 Returns for SBI Magnum Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Jun 25 Duration Returns 1 Month 0.8% 3 Month 2.3% 6 Month 4% 1 Year 7.8% 3 Year 7.1% 5 Year 5.7% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Sudhir Agrawal 15 May 25 0.04 Yr. Data below for SBI Magnum Ultra Short Duration Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 66.17% Debt 33.61% Other 0.22% Debt Sector Allocation
Sector Value Cash Equivalent 45.29% Corporate 37.62% Government 16.88% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 5.63% Govt Stock 2026
Sovereign Bonds | -4% ₹684 Cr 68,500,000
↑ 10,000,000 HDFC Bank Ltd.
Debentures | -3% ₹473 Cr 10,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹424 Cr 4,250 National Bank For Agriculture And Rural Development
Debentures | -3% ₹416 Cr 4,150 Hdb Financial Services Limited
Debentures | -2% ₹345 Cr 34,500 INDIA UNIVERSAL TRUST AL2
Unlisted bonds | -2% ₹302 Cr 400
↑ 400 Citicorp Finance (India) Limited
Debentures | -2% ₹251 Cr 25,000 Rec Limited
Debentures | -2% ₹244 Cr 2,450 National Bank For Agriculture And Rural Development
Debentures | -1% ₹232 Cr 23,000
↑ 23,000 Tata Capital Housing Finance Limited
Debentures | -1% ₹221 Cr 2,200 5. DSP BlackRock Money Manager Fund
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% . DSP BlackRock Money Manager Fund
Growth Launch Date 31 Jul 06 NAV (06 Jun 25) ₹3,399.18 ↑ 4.05 (0.12 %) Net Assets (Cr) ₹4,197 on 30 Apr 25 Category Debt - Ultrashort Bond AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆ Risk Moderately Low Expense Ratio 1.02 Sharpe Ratio 1.03 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.79% Effective Maturity 6 Months Modified Duration 5 Months 8 Days Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹10,328 31 May 22 ₹10,621 31 May 23 ₹11,231 31 May 24 ₹11,998 31 May 25 ₹12,877 Returns for DSP BlackRock Money Manager Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 6 Jun 25 Duration Returns 1 Month 0.7% 3 Month 2.3% 6 Month 3.9% 1 Year 7.5% 3 Year 6.7% 5 Year 5.2% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Karan Mundhra 31 May 21 4 Yr. Shalini Vasanta 1 Jan 25 0.41 Yr. Data below for DSP BlackRock Money Manager Fund as on 30 Apr 25
Asset Allocation
Asset Class Value Cash 69.26% Debt 30.43% Other 0.31% Debt Sector Allocation
Sector Value Corporate 49.5% Cash Equivalent 35.33% Government 14.86% Credit Quality
Rating Value AA 5.9% AAA 94.1% Top Securities Holdings / Portfolio
Name Holding Value Quantity National Bank For Agriculture And Rural Development
Debentures | -2% ₹102 Cr 1,000
↑ 750 364 DTB 06112025
Sovereign Bonds | -2% ₹97 Cr 10,000,000 Small Industries Development Bank Of India
Debentures | -2% ₹79 Cr 750 Bharti Telecom Limited
Debentures | -2% ₹78 Cr 7,500
↑ 2,500 182 DTB 31072025
Sovereign Bonds | -1% ₹64 Cr 6,500,000 Cholamandalam Investment And Finance Company Limited
Debentures | -1% ₹62 Cr 500 LIC Housing Finance Ltd
Debentures | -1% ₹55 Cr 500
↑ 500 LIC Housing Finance Ltd
Debentures | -1% ₹53 Cr 500 Tata Capital Housing Finance Limited
Debentures | -1% ₹52 Cr 500 Mahindra Rural Housing Finance Limited
Debentures | -1% ₹52 Cr 5,000
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.
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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Very Good
good information on funds. appreciated!!!