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Top 5 Best Low Risk Mutual Funds to Invest in 2021

Updated on September 22, 2021 , 44668 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 21 - 22

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 (%)2020 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
JM Liquid Fund Growth ₹56.7609
↑ 0.00
₹1,1870.81.63.2543.27%24D25D
PGIM India Insta Cash Fund Growth ₹270.456
↑ 0.02
₹8270.81.63.25.14.23.33%1M 10D1M 13D
Principal Cash Management Fund Growth ₹1,834.41
↑ 0.16
₹1730.81.63.14.73.83.21%16D16D
Indiabulls Liquid Fund Growth ₹2,018.01
↑ 0.08
₹1520.71.53.14.93.90%
Baroda Pioneer Liquid Fund Growth ₹2,388.29
↑ 0.21
₹5,8660.81.73.25.14.13.25%18D18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Sep 21

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 (%)2020 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Savings Fund Growth ₹431.56
↓ -0.03
₹18,9731.12.34.4774.06%6M6M 4D
UTI Ultra Short Term Fund Growth ₹3,351.44
↓ -0.36
₹2,1802.12.954.85.33.81%5M 13D5M 19D
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 ₹2,560.18
↓ -0.57
₹2210.81.63.35.74.93.47%4M 13D4M 20D
ICICI Prudential Ultra Short Term Fund Growth ₹22.0035
↓ 0.00
₹10,65212.24.56.86.54.29%3M 18D4M 24D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Sep 21

1. Nippon India Ultra Short Duration Fund

(Erstwhile Reliance Liquid Fund - Cash Plan)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Nippon India Ultra Short Duration Fund is a Debt - Ultrashort Bond fund was launched on 7 Dec 01. It is a fund with Low risk and has given a CAGR/Annualized return of 6.1% since its launch.  Ranked 62 in Ultrashort Bond category.  Return for 2020 was 4.9% , 2019 was 0.9% and 2018 was 7.3% .

Below is the key information for Nippon India Ultra Short Duration Fund

Nippon India Ultra Short Duration Fund
Growth
Launch Date 7 Dec 01
NAV (24 Sep 21) ₹3,215.64 ↓ -0.16   (0.00 %)
Net Assets (Cr) ₹3,116 on 31 Aug 21
Category Debt - Ultrashort Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Low
Expense Ratio 1.09
Sharpe Ratio 1.96
Information Ratio 0
Alpha Ratio 0
Min Investment 100
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 4.5%
Effective Maturity 6 Months 26 Days
Modified Duration 5 Months 16 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 16₹10,000
31 Aug 17₹10,586
31 Aug 18₹11,278
31 Aug 19₹11,941
31 Aug 20₹11,991
31 Aug 21₹13,042

Nippon India 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 Nippon India 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 24 Sep 21

DurationReturns
1 Month 0.3%
3 Month 3.4%
6 Month 5.8%
1 Year 8.6%
3 Year 4.9%
5 Year 5.4%
10 Year
15 Year
Since launch 6.1%
Historical performance (Yearly) on absolute basis
YearReturns
2020 4.9%
2019 0.9%
2018 7.3%
2017 5.8%
2016 6.8%
2015 7.6%
2014 8.4%
2013 8.5%
2012 9.2%
2011 9%
Fund Manager information for Nippon India Ultra Short Duration Fund
NameSinceTenure
Vivek Sharma1 Oct 137.84 Yr.
Kinjal Desai25 May 183.19 Yr.

Data below for Nippon India Ultra Short Duration Fund as on 31 Aug 21

Asset Allocation
Asset ClassValue
Cash59.93%
Debt40.07%
Debt Sector Allocation
SectorValue
Cash Equivalent58.26%
Corporate23.87%
Government17.87%
Credit Quality
RatingValue
A0.69%
AA16.09%
AAA83.22%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 02122021
Sovereign Bonds | -
7%₹193 Cr19,500,000
8.79% Govt Stock 2021
Sovereign Bonds | -
3%₹101 Cr10,000,000
Telesonic Networks Limited
Debentures | -
3%₹75 Cr750
↑ 750
8.35% Govt Stock 2022
Sovereign Bonds | -
2%₹72 Cr7,000,000
8.75% Kerala SDL 2022
Sovereign Bonds | -
2%₹61 Cr5,950,000
Shriram Transport Finance Company Limited
Debentures | -
2%₹56 Cr550
Piramal Capital & Housing Finance Limited
Debentures | -
2%₹55 Cr675
8.92% Karnataka SDL 2022
Sovereign Bonds | -
2%₹51 Cr4,981,300
91 DTB 16092021
Sovereign Bonds | -
2%₹50 Cr5,000,000
182 DTB 25112021
Sovereign Bonds | -
2%₹50 Cr5,000,000

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 8.6% since its launch.  Return for 2020 was 4% , 2019 was 9.6% and 2018 was 8.7% .

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 (24 Sep 21) ₹31.2554 ↑ 0.01   (0.03 %)
Net Assets (Cr) ₹804 on 31 Aug 21
Category Debt - Ultrashort Bond
AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating
Risk Moderate
Expense Ratio 0.52
Sharpe Ratio 3.13
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 1 Month 2 Days
Modified Duration

Growth of 10,000 investment over the years.

DateValue
31 Aug 16₹10,000
31 Aug 17₹10,917
31 Aug 18₹11,745
31 Aug 19₹12,895
31 Aug 20₹13,484
31 Aug 21₹14,670

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 24 Sep 21

DurationReturns
1 Month 1.1%
3 Month 3%
6 Month 5.3%
1 Year 9.1%
3 Year 7.9%
5 Year 8%
10 Year
15 Year
Since launch 8.6%
Historical performance (Yearly) on absolute basis
YearReturns
2020 4%
2019 9.6%
2018 8.7%
2017 8.2%
2016 9.7%
2015 9.7%
2014 10%
2013 10%
2012 10.3%
2011 9.4%
Fund Manager information for Franklin India Ultra Short Bond Fund - Super Institutional Plan
NameSinceTenure
Santosh Kamath25 Oct 182.77 Yr.
Pallab Roy1 Jun 0813.17 Yr.

Data below for Franklin India Ultra Short Bond Fund - Super Institutional Plan as on 31 Aug 21

Asset Allocation
Asset ClassValue
Cash34.82%
Debt65.18%
Debt Sector Allocation
SectorValue
Corporate65.18%
Cash Equivalent34.82%
Credit Quality
RatingValue
A58.93%
AA40.8%
AAA0.28%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
SBI Overnight Fund Dir Gr
Investment Fund | -
30%₹367 Cr1,083,233
↑ 343,828
Edelweiss Commodities Services Limited
Debentures | -
26%₹316 Cr3,194
↓ -456
Clix Capital Services Private Limited
Debentures | -
19%₹225 Cr2,350
Clix Capital Services Private Limited
Debentures | -
16%₹192 Cr2,000
U.P. Power Corporation Limited
Debentures | -
4%₹47 Cr938
JM Financial Credit Solutions Limited
Debentures | -
0%₹5 Cr46
Edelweiss Agri Value Chain Limited
Debentures | -
0%₹4 Cr70
Tata Motors Limited
Debentures | -
0%₹3 Cr34
Reliance Ports and Terminals Limited
Debentures | -
0%₹2 Cr22
Call, Cash & Other Assets
CBLO | -
4%₹49 Cr

3. UTI Ultra Short Term Fund

(Erstwhile UTI - Floating Rate Fund - Short Term Plan)

To generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments, fixed rate debt / money market instruments swapped for floating rate returns. The Scheme may also invest a portion of its net assets in fixed rate debt securities and money market instruments .However there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns.

UTI Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 29 Aug 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 6.9% since its launch.  Ranked 27 in Ultrashort Bond category.  Return for 2020 was 5.3% , 2019 was 3.3% and 2018 was 7% .

Below is the key information for UTI Ultra Short Term Fund

UTI Ultra Short Term Fund
Growth
Launch Date 29 Aug 03
NAV (24 Sep 21) ₹3,351.44 ↓ -0.36   (-0.01 %)
Net Assets (Cr) ₹2,180 on 31 Aug 21
Category Debt - Ultrashort Bond
AMC UTI Asset Management Company Ltd
Rating
Risk Moderately Low
Expense Ratio 0.96
Sharpe Ratio 1.2
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 2,500
Exit Load NIL
Yield to Maturity 3.81%
Effective Maturity 5 Months 19 Days
Modified Duration 5 Months 13 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 16₹10,000
31 Aug 17₹10,759
31 Aug 18₹11,440
31 Aug 19₹11,784
31 Aug 20₹12,543
31 Aug 21₹13,023

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

Returns for UTI 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 24 Sep 21

DurationReturns
1 Month 1.5%
3 Month 2.1%
6 Month 2.9%
1 Year 5%
3 Year 4.8%
5 Year 5.6%
10 Year
15 Year
Since launch 6.9%
Historical performance (Yearly) on absolute basis
YearReturns
2020 5.3%
2019 3.3%
2018 7%
2017 6.6%
2016 8.9%
2015 8.5%
2014 8.8%
2013 9.8%
2012 9%
2011 8.2%
Fund Manager information for UTI Ultra Short Term Fund
NameSinceTenure
Sudhir Agarwal1 Jul 156.09 Yr.
Ritesh Nambiar1 Jul 156.09 Yr.

Data below for UTI Ultra Short Term Fund as on 31 Aug 21

Asset Allocation
Asset ClassValue
Cash55.55%
Debt44.45%
Debt Sector Allocation
SectorValue
Cash Equivalent49.06%
Corporate28.82%
Government22.12%
Credit Quality
RatingValue
AA14.41%
AAA85.59%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 23122021
Sovereign Bonds | -
6%₹128 Cr1,300,000,000
8.20% Govt Stock 2022
Sovereign Bonds | -
5%₹114 Cr1,115,000,000
182 DTB 12112021
Sovereign Bonds | -
4%₹99 Cr1,000,000,000
↑ 1,000,000,000
182 DTB 16122021
Sovereign Bonds | -
4%₹99 Cr1,000,000,000
Hindalco Industries Limited
Debentures | -
3%₹78 Cr750
182 DTB 25112021
Sovereign Bonds | -
3%₹74 Cr750,000,000
Reliance Industries Limited
Debentures | -
2%₹51 Cr500
Housing Development Finance Corporation Limited
Debentures | -
2%₹50 Cr500
Power Finance Corporation Limited
Debentures | -
2%₹50 Cr500
91 DTB 26082021
Sovereign Bonds | -
2%₹50 Cr500,000,000

4. 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 7.6% since its launch.  Ranked 6 in Ultrashort Bond category.  Return for 2020 was 7% , 2019 was 8.5% and 2018 was 7.6% .

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 (24 Sep 21) ₹431.56 ↓ -0.03   (-0.01 %)
Net Assets (Cr) ₹18,973 on 31 Aug 21
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.47
Sharpe Ratio 2.43
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 4.06%
Effective Maturity 6 Months 4 Days
Modified Duration 6 Months

Growth of 10,000 investment over the years.

DateValue
31 Aug 16₹10,000
31 Aug 17₹10,815
31 Aug 18₹11,518
31 Aug 19₹12,551
31 Aug 20₹13,513
31 Aug 21₹14,126

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 ₹203,125.
Net Profit of ₹23,125
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 24 Sep 21

DurationReturns
1 Month 0.3%
3 Month 1.1%
6 Month 2.3%
1 Year 4.4%
3 Year 7%
5 Year 7.1%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
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%
2011 9.2%
Fund Manager information for Aditya Birla Sun Life Savings Fund
NameSinceTenure
Sunaina Cunha11 Oct 146.81 Yr.
Kaustubh Gupta15 Jul 1110.05 Yr.
Monika Gandhi22 Mar 210.36 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Aug 21

Asset Allocation
Asset ClassValue
Cash53.72%
Debt46.28%
Debt Sector Allocation
SectorValue
Cash Equivalent43.56%
Corporate39.93%
Government16.51%
Credit Quality
RatingValue
AA11.82%
AAA88.18%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
8.79% Govt Stock 2021
Sovereign Bonds | -
11%₹2,136 Cr211,100,000
Reliance Industries Limited
Debentures | -
4%₹758 Cr7,401
8.83% Govt Stock 2023
Sovereign Bonds | -
3%₹524 Cr48,000,000
Citicorp Finance (India) Limited
Debentures | -
3%₹500 Cr5,000
REC Limited
Debentures | -
2%₹414 Cr4,050
Rural Electrification Corporation Limited
Debentures | -
2%₹318 Cr3,150
Shriram Transport Finance Company Limited
Debentures | -
1%₹275 Cr2,750
8.21% HR SDL Spl 2023
Domestic Bonds | -
1%₹244 Cr23,000,000
Muthoot Finance Limited
Debentures | -
1%₹239 Cr2,350
Rural Electrification Corporation Limited
Debentures | -
1%₹226 Cr2,250

5. 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 7.9% since its launch.  Ranked 27 in Ultrashort Bond category.  Return for 2020 was 6.5% , 2019 was 8.4% and 2018 was 7.5% .

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 (24 Sep 21) ₹22.0035 ↓ 0.00   (0.00 %)
Net Assets (Cr) ₹10,652 on 31 Aug 21
Category Debt - Ultrashort Bond
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk Moderate
Expense Ratio 0.99
Sharpe Ratio 3.43
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 4.29%
Effective Maturity 4 Months 24 Days
Modified Duration 3 Months 18 Days

Growth of 10,000 investment over the years.

DateValue
31 Aug 16₹10,000
31 Aug 17₹10,840
31 Aug 18₹11,526
31 Aug 19₹12,511
31 Aug 20₹13,444
31 Aug 21₹14,060

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 24 Sep 21

DurationReturns
1 Month 0.3%
3 Month 1%
6 Month 2.2%
1 Year 4.5%
3 Year 6.8%
5 Year 7%
10 Year
15 Year
Since launch 7.9%
Historical performance (Yearly) on absolute basis
YearReturns
2020 6.5%
2019 8.4%
2018 7.5%
2017 6.9%
2016 9.8%
2015 9.1%
2014 14.8%
2013 3.1%
2012 9.4%
2011
Fund Manager information for ICICI Prudential Ultra Short Term Fund
NameSinceTenure
Manish Banthia15 Nov 164.71 Yr.
Ritesh Lunawat15 Jun 174.13 Yr.

Data below for ICICI Prudential Ultra Short Term Fund as on 31 Aug 21

Asset Allocation
Asset ClassValue
Cash47.61%
Debt52.39%
Debt Sector Allocation
SectorValue
Corporate44.64%
Cash Equivalent42.25%
Government12.85%
Securitized0.26%
Credit Quality
RatingValue
A2.29%
AA29.19%
AAA68.52%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
182 DTB 19082021
Sovereign Bonds | -
6%₹625 Cr62,500,000
182 DTB 09122021
Sovereign Bonds | -
5%₹495 Cr50,000,000
182 DTB 16122021
Sovereign Bonds | -
5%₹494 Cr50,000,000
Embassy Office Parks Reit
Debentures | -
3%₹359 Cr2,887
182 DTB 23122021
Sovereign Bonds | -
3%₹296 Cr30,000,000
Housing Development Finance Corporation Limited
Debentures | -
2%₹258 Cr2,560
The Tata Power Company Limited
Debentures | -
2%₹220 Cr2,084
Housing Development Finance Corporation Limited
Debentures | -
2%₹215 Cr2,130
Reliance Ports and Terminals Limited
Debentures | -
2%₹202 Cr2,019
Manappuram Finance Limited
Debentures | -
2%₹201 Cr2,000

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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