How to Invest in Mutual Funds?

Updated on August 27, 2025 , 23943 views

Investing in Mutual Funds in India is gaining popularity. Investors are now asking questions such as "How to Invest in the Stock Market?", "Which are the Top Mutual Funds companies in India ?", or "which are the best mutual funds in India ?". Mutual Funds for a layman are still a complex topic, there are various calculators, various Types of Mutual Funds, 44 Mutual Fund companies, etc, however, investors frequently ask the question, "How to invest in Mutual Funds in India ?". Below are some of the commonly available routes to invest in Mutual Funds in India.

Easy Methods to Invest in MF

1. Invest Via AMC Directly

There are 44 Mutual Fund companies( also called Asset Management Companies(AMC)) in India, investors can approach the AMCs directly, go to their website or go to the office of the AMC to invest. The list of 44 AMCs is below for reference:

Axis Asset Management Company Ltd.
Baroda Pioneer Asset Management Company Limited
Birla Sun Life Asset Management Company Limited
BNP Paribas Asset Management India Private Limited
BOI AXA Investment Managers Private Limited
Canara Robeco Asset Management Company Limited
DHFL Pramerica Asset Managers Private Limited
DSP BlackRock Investment Managers Private Limited
Edelweiss Asset Management Limited
Escorts Asset Management Limited
Franklin Templeton Asset Management (India) Private Limited
Goldman Sachs Asset Management (India) Private Limited
HDFC Asset Management Company Limited
HSBC Asset Management (India) Private Ltd
ICICI Prudential Asset Mgmt. Company Limited
IDBI Asset Management Ltd
IDFC Asset Management Company Limited
IIFCL Asset Management Co. Ltd
IIFL Asset Management Ltd
IL&FS Infra Asset Management Limited
Indiabulls Asset Management Company Ltd
Invesco Asset Management Company Private Limited
J.M. Financial Asset Management Ltd
JPMorgan Asset Management (India) Pvt. Ltd
Kotak Mahindra Asset Management Company Limited
L&T Investment Management Limited
LIC Mutual Fund Asset Management Company Limited
Mahindra Asset Management Company Pvt. Ltd
Mirae Asset Global Investments (India) Pvt. Ltd
Motilal Oswal Asset Management Company Limited
Peerless Funds Management Co. Ltd
PPFAS Asset Management Pvt. Ltd
Principal Pnb Asset Management Co.Pvt. Ltd
Quantum Asset Management Company Private Limited
Reliance Nippon Life Asset Management Limited
Sahara Asset Management Company Private Limited
SBI Funds Management Private Ltd
Shriram Asset Management Co. Ltd
SREI Mutual Fund Asset Management Pvt. Ltd
Sundaram Asset Management Company Limited
Tata Asset Management Limited
Taurus Asset Management Company Limited
Union KBC Asset Management Company Private Limited
UTI Asset Management Company Ltd

Ready to Invest?
Talk to our investment specialist

2. Invest in Mutual Funds Via Distributors

Investors can also use the services of a distributor. Today distributors such as banks, NBFCs and other entities offer services for distribution of Mutual Funds.There are many such entities in India providing distribution services for Mutual Funds.

3. Invest in Mutual Funds through IFAS

Today there are more than 90,000 IFAs in India. Investors can approach these individual financial advisers and invest in Mutual Funds through these persons. IFAs are spread across the country, to know the IFAs close to a particular vicinity (by inputting PIN code) one can visit the AMFI website and get this information.

4. Investing in Mutual Funds Via Brokers

Mutual funds are offered through the offline and online mode by many brokers (e.g ICICI Direct, Kotak Securities etc). The offline mode(also called physical mode) is where the customer fills a paper form. Some brokers use the "demat mode" for investing, in the demat mode the units of the mutual funds get credited into the demat account of the investor.

5. Mutual Funds through Online Portals

There are many online portals today that offer paperless services where investors can sit at home or office and invest their hard earned money. These portals are also called "robo-advisors" and offer many services other than just transaction services.

Best Performing Mutual Funds 2025

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
PGIM India Low Duration Fund Growth	₹26.0337 ↑ 0.01	₹104	1.5	3.3	6.3	4.5	1.3
Sundaram Rural and Consumption Fund Growth	₹98.6348 ↓ -0.15	₹1,576	3.2	14.6	-0.8	16.6	18.7	20.1
Baroda Pioneer Treasury Advantage Fund Growth	₹1,600.39 ↑ 0.30	₹28	0.7	1.2	3.7	-9.5	-3.2
UTI Dynamic Bond Fund Growth	₹30.8037 ↓ -0.08	₹482	-1.4	3	6.2	6.7	8.4	8.6
Franklin Asian Equity Fund Growth	₹31.6147 ↓ -0.32	₹270	8	12.3	11.3	7.9	3.1	14.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 23

Research Highlights & Commentary of 5 Funds showcased

Commentary	PGIM India Low Duration Fund	Sundaram Rural and Consumption Fund	Baroda Pioneer Treasury Advantage Fund	UTI Dynamic Bond Fund	Franklin Asian Equity Fund
Point 1	Bottom quartile AUM (₹104 Cr).	Highest AUM (₹1,576 Cr).	Bottom quartile AUM (₹28 Cr).	Upper mid AUM (₹482 Cr).	Lower mid AUM (₹270 Cr).
Point 2	Established history (18+ yrs).	Oldest track record among peers (19 yrs).	Established history (16+ yrs).	Established history (15+ yrs).	Established history (17+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 5★ (lower mid).	Rating: 5★ (bottom quartile).	Rating: 5★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: High.
Point 5	1Y return: 6.30% (upper mid).	5Y return: 18.66% (top quartile).	1Y return: 3.74% (bottom quartile).	1Y return: 6.21% (lower mid).	5Y return: 3.09% (lower mid).
Point 6	1M return: 0.47% (upper mid).	3Y return: 16.63% (top quartile).	1M return: 0.21% (lower mid).	1M return: -1.22% (bottom quartile).	3Y return: 7.87% (upper mid).
Point 7	Sharpe: -1.66 (bottom quartile).	1Y return: -0.75% (bottom quartile).	Sharpe: 0.37 (lower mid).	Sharpe: 0.74 (top quartile).	1Y return: 11.30% (top quartile).
Point 8	Information ratio: 0.00 (top quartile).	Alpha: -0.72 (bottom quartile).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Alpha: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.34% (top quartile).	Sharpe: -0.27 (bottom quartile).	Yield to maturity (debt): 4.07% (lower mid).	Yield to maturity (debt): 6.85% (upper mid).	Sharpe: 0.57 (upper mid).
Point 10	Modified duration: 0.53 yrs (lower mid).	Information ratio: 0.00 (upper mid).	Modified duration: 0.63 yrs (bottom quartile).	Modified duration: 6.95 yrs (bottom quartile).	Information ratio: 0.00 (bottom quartile).

PGIM India Low Duration Fund

Bottom quartile AUM (₹104 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 6.30% (upper mid).
1M return: 0.47% (upper mid).
Sharpe: -1.66 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.34% (top quartile).
Modified duration: 0.53 yrs (lower mid).

Sundaram Rural and Consumption Fund

Highest AUM (₹1,576 Cr).
Oldest track record among peers (19 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 18.66% (top quartile).
3Y return: 16.63% (top quartile).
1Y return: -0.75% (bottom quartile).
Alpha: -0.72 (bottom quartile).
Sharpe: -0.27 (bottom quartile).
Information ratio: 0.00 (upper mid).

Baroda Pioneer Treasury Advantage Fund

Bottom quartile AUM (₹28 Cr).
Established history (16+ yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately Low.
1Y return: 3.74% (bottom quartile).
1M return: 0.21% (lower mid).
Sharpe: 0.37 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 4.07% (lower mid).
Modified duration: 0.63 yrs (bottom quartile).

UTI Dynamic Bond Fund

Upper mid AUM (₹482 Cr).
Established history (15+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: Moderate.
1Y return: 6.21% (lower mid).
1M return: -1.22% (bottom quartile).
Sharpe: 0.74 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.85% (upper mid).
Modified duration: 6.95 yrs (bottom quartile).

Franklin Asian Equity Fund

Lower mid AUM (₹270 Cr).
Established history (17+ yrs).
Rating: 5★ (bottom quartile).
Risk profile: High.
5Y return: 3.09% (lower mid).
3Y return: 7.87% (upper mid).
1Y return: 11.30% (top quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 0.57 (upper mid).
Information ratio: 0.00 (bottom quartile).

How to Invest in Mutual Funds Online?

Open Free Investment Account for Lifetime at Fincash.com.

Complete your Registration and KYC Process

Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!

Get Started

Conclusion

Hence there are many routes available for customers to invest in Mutual Funds. As an investor, one should choose a route that seems most convenient but also allows the investor to make a correct decision. While investors may choose any route that is convenient to invest, it is important to consider the goal, risk appetite and Asset Allocation while making investments. Additionally, one needs to check that those offering the services are carrying the relevant license/registrations etc to ensure that the entity/person being used for these services is able to provide sound and quality inputs.

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.