Table of Contents
Welcome to the World of Fincash.com!
First of all, we would like to thank you for choosing us as your Mutual Fund investment channel.
Are you a beginner? Are you a seasoned investor? Don’t worry, all your needs will be catered. Be Rest Assured as we are always there to guide you at every step whether related to investments, product selection, registration or any other query. So, let’s move ahead to have a better understanding of the features of the Life Time Free Mutual Funds Investment Account along with the registration process.
Talk to our investment specialist
Fincash.com always believes in “Customer First” policy. We always ensure to provide top-notch customer service by keeping in mind the client’s requirements and how effectively it can be fulfilled. Our aim is to create value for your money so that you can achieve your goals within the timeframe. Some of the investor-friendly features of Fincash.com include:
Well, the registration process to open your Life Time Free Mutual Fund Investment Account is quite simple. To complete your registration, you require:
let us look at the registration process:
The First step begins with creating your login. To create your login id, first you need to visit the website of www.fincash.com and click on the SIGN UP button on the top right side of the screen After clicking on this button, you need to enter your email address and password. This login id will be used by you whenever while transacting. So, be sure that you give your correct and valid email address. You can even do social signup using Facebook or Gmail id. The image showing the login button tab and the login screen is shown below.
After creating your login id, the next step deals with verification of mobile number. In other words, post creation of login id, the screen gets redirected to mobile number verification where people need to enter their mobile number. Upon entering the mobile number, they receive a One Time Password (OTP) through SMS which again needs to be entered on the screen. So, be careful that you enter your correct and active mobile number. Also, while entering the OTP, ensure that all the characters are entered correctly. The image for the second step is as follows.
The Third step ensures that, whether you are a KYC compliant investor or not. MF KYC or Know-Your-Customer is a one-time process that you need to complete before Investing money in Mutual Funds. The KYC Status is verified using your PAN. If you have already completed your KYC process, then you will get a pop up for the same and can proceed with the registration process.
This process needs to be completed by all individuals. For registration purposes, you need to fill in the form, that is spread out into 5 different tabs. These tabs include personal information, address details, bank account, FATCA details, and nominee. By filling all the tabs and uploading the relevant documents, you complete the complete KYC process and can invest up to any amount in Mutual Funds. After filling all the details, you need to click on the check box, to proceed to the next step. The image showing the various tabs of registration form along with the check box is as shown below.
When you click on the Personal Information option, you will have to fill details like
At the bottom if have to choose your martial status and gender. Click on the save button.
In the address details section, fill the following information:
At the bottom, click on the yellow button and save the details.
For registration, you need to fill your bank details like:
Once you fill all the information, save the details.
In FATCA, following are the information to fill, there are drop-downs given:
At the bottom you need to select if you are politically exposed or politically related.
Adding nominee is optional. If you choose to fill, add the nominee name and choose the relation you share.
Once filled, accept the Terms & Conditions and proceed to upload documents.
This is the final step in your registration process. If you have completed the KYC process, then you just need to upload:
However, if you have not completed the eKYC and you are not KYC compliant then along with the above-mentioned documents, you need to upload
In case of upload documents, the display of the screen is given below as follows.
Thus, we can see that the registration process is quite simple. Now the final part that is the customized solutions of Fincash.com. The USP of Fincash.com is its customized solutions that help in easing out the product selection process.
These three solutions are for general investment need are :
This solution is suitable for people having idle money in their savings bank account and are looking for avenues to augment more income. savingsplus is a bundle of top three Liquid Fund schemes that offer more returns as compared to the Savings Account. Additionally, these funds are considered as a safe investment avenue. Some of the features of SavingsPlus are:
smartsip is a bundle of top three equity fund schemes that are considered to be stable and have earned good returns over a period of time. Its apt for people having long-term investment period. As the name suggests SIP, people can invest small amounts in this schemes to attain their objectives. The features of SmartSIP include:
The third solution taxsaver is a bundle of two Equity Mutual Funds that give the advantages of investing and tax benefits. Through TaxSaver, people can claim a tax Deduction up to INR 1,50,000 under Section 80C of income tax Act, 1961 for a particular Financial Year. Being Tax Saving Investments, they have a lock-in period of three years. Their features include:
Below is the list of best mutual funds once can invest having Net Assets/ AUM above 500 Crore
.
The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its net assets in equity/equity related instruments of the companies in Information Technology Sector in India.However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved.The Scheme does not assure or guarantee any returns. TATA Digital India Fund is a Equity - Sectoral fund was launched on 28 Dec 15. It is a fund with High risk and has given a Below is the key information for TATA Digital India Fund Returns up to 1 year are on To generate long-term capital appreciation for you from a portfolio made up predominantly of equity and equity-related securities of technology intensive companies. ICICI Prudential Technology Fund is a Equity - Sectoral fund was launched on 3 Mar 00. It is a fund with High risk and has given a Below is the key information for ICICI Prudential Technology Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life New Millennium Fund) A multi-sector open-ended growth scheme with the objective of long term growth of capital, through a portfolio with a target allocation of 100% equity, focusing on investing in technology and technology dependent companies, hardware, peripherals and components, software, telecom, media, internet and e-commerce and other technology enabled companies. The secondary objective is income generation and distribution of dividend. Aditya Birla Sun Life Digital India Fund is a Equity - Sectoral fund was launched on 15 Jan 00. It is a fund with High risk and has given a Below is the key information for Aditya Birla Sun Life Digital India Fund Returns up to 1 year are on The Fund seeks to provide capital appreciation by investing predominantly in units of Franklin U. S. Opportunities Fund, an overseas Franklin Templeton mutual fund, which primarily invests in securities in the United States of America. Franklin India Feeder - Franklin U S Opportunities Fund is a Equity - Global fund was launched on 6 Feb 12. It is a fund with High risk and has given a Below is the key information for Franklin India Feeder - Franklin U S Opportunities Fund Returns up to 1 year are on The primary investment objective of the scheme is to seek to generate consistent returns by investing in equity and equity related or fixed income securities of Pharma and other associated companies. Nippon India Pharma Fund is a Equity - Sectoral fund was launched on 5 Jun 04. It is a fund with High risk and has given a Below is the key information for Nippon India Pharma Fund Returns up to 1 year are on 1. TATA Digital India Fund
CAGR/Annualized
return of 20.1% since its launch. Return for 2020 was 54.8% , 2019 was 7.5% and 2018 was 24.9% . TATA Digital India Fund
Growth Launch Date 28 Dec 15 NAV (20 Jan 21) ₹25.3133 ↑ 0.56 (2.26 %) Net Assets (Cr) ₹813 on 31 Dec 20 Category Equity - Sectoral AMC Tata Asset Management Limited Rating Risk High Expense Ratio 2.05 Sharpe Ratio 1.37 Information Ratio -0.65 Alpha Ratio -2.47 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-3 Months (0.25%),3 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 15 ₹10,000 31 Dec 16 ₹9,405 31 Dec 17 ₹11,251 31 Dec 18 ₹14,055 31 Dec 19 ₹15,105 31 Dec 20 ₹23,386 Returns for TATA Digital India Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Jan 21 Duration Returns 1 Month 15.8% 3 Month 21.7% 6 Month 54.6% 1 Year 61.3% 3 Year 27.9% 5 Year 20.8% 10 Year 15 Year Since launch 20.1% Historical performance (Yearly) on absolute basis
Year Returns 2020 54.8% 2019 7.5% 2018 24.9% 2017 19.6% 2016 -6% 2015 2014 2013 2012 2011 Fund Manager information for TATA Digital India Fund
Name Since Tenure Rahul Singh 20 Apr 20 0.7 Yr. Meeta Shetty 20 Apr 20 0.7 Yr. Data below for TATA Digital India Fund as on 31 Dec 20
Equity Sector Allocation
Sector Value Technology 89.85% Industrials 2.64% Communication Services 2.07% Asset Allocation
Asset Class Value Cash 5.44% Equity 94.56% Top Securities Holdings / Portfolio
Name Holding Value Quantity Infosys Ltd (Technology)
Equity, Since 31 Jan 16 | INFY28% ₹230 Cr 1,830,000
↑ 125,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Jan 16 | TCS11% ₹90 Cr 314,000 HCL Technologies Ltd (Technology)
Equity, Since 31 Jan 16 | HCLTECH9% ₹75 Cr 794,000
↑ 41,000 Persistent Systems Ltd (Technology)
Equity, Since 31 Jan 16 | PERSISTENT9% ₹71 Cr 470,363
↑ 60,000 Tech Mahindra Ltd (Technology)
Equity, Since 30 Apr 16 | 5327556% ₹51 Cr 525,000 Wipro Ltd (Technology)
Equity, Since 31 Jul 18 | 5076856% ₹45 Cr 1,176,000 MindTree Ltd (Technology)
Equity, Since 31 Jul 19 | 5328195% ₹41 Cr 245,000 Birlasoft Ltd (Technology)
Equity, Since 31 Jul 20 | 5324004% ₹31 Cr 1,240,000 KPIT Technologies Ltd (Technology)
Equity, Since 31 Jan 19 | 5426513% ₹24 Cr 1,665,000 Tata Elxsi Ltd (Technology)
Equity, Since 31 May 20 | 5004083% ₹23 Cr 124,000 2. ICICI Prudential Technology Fund
CAGR/Annualized
return of 11.9% since its launch. Ranked 37 in Sectoral
category. Return for 2020 was 70.6% , 2019 was 2.3% and 2018 was 19.1% . ICICI Prudential Technology Fund
Growth Launch Date 3 Mar 00 NAV (20 Jan 21) ₹104.05 ↑ 1.89 (1.85 %) Net Assets (Cr) ₹1,185 on 31 Dec 20 Category Equity - Sectoral AMC ICICI Prudential Asset Management Company Limited Rating ☆☆ Risk High Expense Ratio 2.6 Sharpe Ratio 1.59 Information Ratio -0.49 Alpha Ratio 6.17 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 15 ₹10,000 31 Dec 16 ₹9,603 31 Dec 17 ₹11,505 31 Dec 18 ₹13,704 31 Dec 19 ₹14,026 31 Dec 20 ₹23,927 Returns for ICICI Prudential Technology Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Jan 21 Duration Returns 1 Month 10.7% 3 Month 22.2% 6 Month 61% 1 Year 71.9% 3 Year 27.7% 5 Year 21.2% 10 Year 15 Year Since launch 11.9% Historical performance (Yearly) on absolute basis
Year Returns 2020 70.6% 2019 2.3% 2018 19.1% 2017 19.8% 2016 -4% 2015 3.9% 2014 26.3% 2013 62.6% 2012 17.1% 2011 -18.9% Fund Manager information for ICICI Prudential Technology Fund
Name Since Tenure Sankaran Naren 14 Jul 17 3.47 Yr. Priyanka Khandelwal 8 Jul 20 0.48 Yr. Vaibhav Dusad 2 May 20 0.67 Yr. Data below for ICICI Prudential Technology Fund as on 31 Dec 20
Equity Sector Allocation
Sector Value Technology 67.26% Communication Services 16.32% Industrials 9.44% Consumer Cyclical 1.26% Financial Services 0.83% Consumer Defensive 0.74% Health Care 0.53% Asset Allocation
Asset Class Value Cash 3.62% Equity 96.38% Top Securities Holdings / Portfolio
Name Holding Value Quantity Infosys Ltd (Technology)
Equity, Since 30 Apr 08 | INFY21% ₹247 Cr 1,966,037
↑ 40,000 HCL Technologies Ltd (Technology)
Equity, Since 30 Sep 20 | HCLTECH8% ₹98 Cr 1,039,744
↑ 260,000 Tech Mahindra Ltd (Technology)
Equity, Since 31 Oct 16 | 5327556% ₹73 Cr 749,505
↑ 126,374 Persistent Systems Ltd (Technology)
Equity, Since 31 May 20 | PERSISTENT4% ₹48 Cr 317,847
↑ 79,802 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 20 | BHARTIARTL4% ₹48 Cr 936,840
↓ -50,000 IndiaMART InterMESH Ltd (Communication Services)
Equity, Since 30 Jun 20 | 5427264% ₹43 Cr 66,804
↑ 4,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Sep 19 | TCS3% ₹34 Cr 120,185 Cyient Ltd (Industrials)
Equity, Since 30 Jun 18 | CYIENT3% ₹34 Cr 657,374
↑ 52,966 Coforge Ltd (Technology)
Equity, Since 31 Jul 20 | 5325413% ₹32 Cr 118,903
↓ -10,000 Firstsource Solutions Ltd (Technology)
Equity, Since 31 Aug 20 | 5328093% ₹31 Cr 3,049,435
↓ -100,000 3. Aditya Birla Sun Life Digital India Fund
CAGR/Annualized
return of 11.2% since its launch. Ranked 33 in Sectoral
category. Return for 2020 was 59% , 2019 was 9.6% and 2018 was 15.6% . Aditya Birla Sun Life Digital India Fund
Growth Launch Date 15 Jan 00 NAV (20 Jan 21) ₹92.77 ↑ 1.79 (1.97 %) Net Assets (Cr) ₹861 on 31 Dec 20 Category Equity - Sectoral AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆ Risk High Expense Ratio 2.6 Sharpe Ratio 1.47 Information Ratio 0.5 Alpha Ratio 6.02 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-365 Days (1%),365 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 15 ₹10,000 31 Dec 16 ₹9,653 31 Dec 17 ₹11,810 31 Dec 18 ₹13,656 31 Dec 19 ₹14,963 31 Dec 20 ₹23,795 Returns for Aditya Birla Sun Life Digital India Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Jan 21 Duration Returns 1 Month 11.7% 3 Month 21.8% 6 Month 54.5% 1 Year 61% 3 Year 26.1% 5 Year 22% 10 Year 15 Year Since launch 11.2% Historical performance (Yearly) on absolute basis
Year Returns 2020 59% 2019 9.6% 2018 15.6% 2017 22.4% 2016 -3.5% 2015 11.2% 2014 21.1% 2013 50.2% 2012 3.7% 2011 -21.8% Fund Manager information for Aditya Birla Sun Life Digital India Fund
Name Since Tenure Kunal Sangoi 15 Jan 14 6.97 Yr. Data below for Aditya Birla Sun Life Digital India Fund as on 31 Dec 20
Equity Sector Allocation
Sector Value Technology 72.92% Communication Services 14.28% Industrials 9.77% Asset Allocation
Asset Class Value Cash 3.03% Equity 96.96% Other 0.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity Infosys Ltd (Technology)
Equity, Since 30 Apr 05 | INFY25% ₹217 Cr 1,724,259
↑ 64,563 Tata Consultancy Services Ltd (Technology)
Equity, Since 30 Apr 05 | TCS11% ₹92 Cr 322,076
↑ 41,479 HCL Technologies Ltd (Technology)
Equity, Since 31 Dec 10 | HCLTECH8% ₹67 Cr 709,931
↑ 142,924 Tech Mahindra Ltd (Technology)
Equity, Since 31 May 13 | 5327557% ₹63 Cr 642,992 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Aug 19 | BHARTIARTL7% ₹58 Cr 1,146,907
↑ 256,493 Cyient Ltd (Industrials)
Equity, Since 31 May 14 | CYIENT5% ₹39 Cr 769,609 Just Dial Ltd (Communication Services)
Equity, Since 30 Sep 19 | 5356484% ₹38 Cr 603,953 Honeywell Automation India Ltd (Industrials)
Equity, Since 30 Jun 18 | 5171744% ₹30 Cr 8,159 Apple Inc (Technology)
Equity, Since 30 Nov 18 | AAPL3% ₹24 Cr 24,481 Persistent Systems Ltd (Technology)
Equity, Since 31 Jul 13 | PERSISTENT3% ₹24 Cr 156,326
↑ 5,000 4. Franklin India Feeder - Franklin U S Opportunities Fund
CAGR/Annualized
return of 19.6% since its launch. Ranked 6 in Global
category. Return for 2020 was 45.2% , 2019 was 34.2% and 2018 was 6.5% . Franklin India Feeder - Franklin U S Opportunities Fund
Growth Launch Date 6 Feb 12 NAV (19 Jan 21) ₹49.8074 ↑ 0.31 (0.63 %) Net Assets (Cr) ₹2,723 on 31 Dec 20 Category Equity - Global AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆☆ Risk High Expense Ratio 1.56 Sharpe Ratio 1.58 Information Ratio 0.19 Alpha Ratio 5.08 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-3 Years (1%),3 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 15 ₹10,000 31 Dec 16 ₹9,923 31 Dec 17 ₹11,721 31 Dec 18 ₹12,482 31 Dec 19 ₹16,751 31 Dec 20 ₹24,326 Returns for Franklin India Feeder - Franklin U S Opportunities Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Jan 21 Duration Returns 1 Month -0.8% 3 Month 6.1% 6 Month 14% 1 Year 37.6% 3 Year 24.6% 5 Year 21.6% 10 Year 15 Year Since launch 19.6% Historical performance (Yearly) on absolute basis
Year Returns 2020 45.2% 2019 34.2% 2018 6.5% 2017 18.1% 2016 -0.8% 2015 8.8% 2014 8.4% 2013 55.2% 2012 2011 Fund Manager information for Franklin India Feeder - Franklin U S Opportunities Fund
Name Since Tenure Mayank Bukrediwala 24 Aug 20 0.35 Yr. Data below for Franklin India Feeder - Franklin U S Opportunities Fund as on 31 Dec 20
Equity Sector Allocation
Sector Value Technology 28.21% Health Care 15.48% Financial Services 13.29% Consumer Cyclical 12.31% Communication Services 8.06% Industrials 5.96% Real Estate 4.94% Consumer Defensive 2.75% Basic Materials 1.3% Utility 0.35% Asset Allocation
Asset Class Value Cash 3.36% Equity 93.33% Other 3.31% Top Securities Holdings / Portfolio
Name Holding Value Quantity Franklin US Opportunities I(acc)USD
Investment Fund | -100% ₹2,718 Cr 5,070,258
↑ 188,608 Call, Cash & Other Assets
Net Current Assets | -0% ₹5 Cr 5. Nippon India Pharma Fund
CAGR/Annualized
return of 21.5% since its launch. Ranked 35 in Sectoral
category. Return for 2020 was 66.4% , 2019 was 1.7% and 2018 was 3.6% . Nippon India Pharma Fund
Growth Launch Date 5 Jun 04 NAV (20 Jan 21) ₹256.524 ↑ 0.07 (0.03 %) Net Assets (Cr) ₹4,383 on 31 Dec 20 Category Equity - Sectoral AMC Nippon Life Asset Management Ltd. Rating ☆☆ Risk High Expense Ratio 2.13 Sharpe Ratio 1.79 Information Ratio 1.16 Alpha Ratio 6.62 Min Investment 5,000 Min SIP Investment 100 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 15 ₹10,000 31 Dec 16 ₹8,942 31 Dec 17 ₹9,623 31 Dec 18 ₹9,973 31 Dec 19 ₹10,141 31 Dec 20 ₹16,878 Returns for Nippon India Pharma Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Jan 21 Duration Returns 1 Month 2.8% 3 Month 12.7% 6 Month 30.7% 1 Year 64.1% 3 Year 21% 5 Year 13.5% 10 Year 15 Year Since launch 21.5% Historical performance (Yearly) on absolute basis
Year Returns 2020 66.4% 2019 1.7% 2018 3.6% 2017 7.6% 2016 -10.6% 2015 19.4% 2014 49.5% 2013 20.9% 2012 34.8% 2011 -11% Fund Manager information for Nippon India Pharma Fund
Name Since Tenure Sailesh Raj Bhan 1 Apr 05 15.76 Yr. Data below for Nippon India Pharma Fund as on 31 Dec 20
Equity Sector Allocation
Sector Value Health Care 97.72% Asset Allocation
Asset Class Value Cash 2.28% Equity 97.72% Top Securities Holdings / Portfolio
Name Holding Value Quantity Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Oct 09 | SUNPHARMA11% ₹474 Cr 8,000,976 Aurobindo Pharma Ltd (Healthcare)
Equity, Since 31 Dec 15 | AUROPHARMA11% ₹461 Cr 5,000,000 Cipla Ltd (Healthcare)
Equity, Since 31 May 08 | 5000879% ₹410 Cr 5,000,000 Divi's Laboratories Ltd (Healthcare)
Equity, Since 31 Mar 12 | DIVISLAB9% ₹403 Cr 1,050,000
↓ -50,000 Lupin Ltd (Healthcare)
Equity, Since 31 Aug 08 | 5002579% ₹391 Cr 4,000,025 Dr Reddy's Laboratories Ltd (Healthcare)
Equity, Since 30 Jun 11 | 5001249% ₹390 Cr 750,000
↑ 125,000 Cadila Healthcare Ltd (Healthcare)
Equity, Since 31 Jan 18 | 5323217% ₹286 Cr 5,998,982 Fortis Healthcare Ltd (Healthcare)
Equity, Since 31 Aug 18 | 5328436% ₹248 Cr 16,003,541
↑ 1,600,000 Gland Pharma Ltd (Healthcare)
Equity, Since 30 Nov 20 | GLAND4% ₹191 Cr 814,523
↓ -458,241 Thyrocare Technologies Ltd (Healthcare)
Equity, Since 31 May 16 | THYROCARE4% ₹186 Cr 2,041,561
↓ -61,549
So, do you want to be a smart investor and make money? Register and invest with Fincash.com and create wealth for your future.