Professional Management - Your money is managed by professionals who have expertise and are dedicated resources.

Beat Inflation - Mutual Funds help investors generate better inflation adjusted returns, without spending much time & energy on it. While most people consider letting their savings grow in the bank account, they don’t consider that inflation is nibbling away it’s value.

Diversification - Spread your risk by investing in diverse financial instruments .

Liquidity - You can invest in small amounts, as little as Rs. 500 and it is easy to pull your money out of a mutual fund when the need arises.

Economies of Scale - Because a mutual fund buys and sells large amounts of securities at a time, its transaction costs are lower than you as an individual would pay.

Simplicity - Yes, buying a mutual fund is easy! Most Companies have their own line of mutual funds, and the minimum investment is small.

Convenient Option - The options offered under a scheme allow investors to structure their investments in line with their liquidity preference and tax position.

Higher Return Potential - based on medium or long term investment and past track record, mutual funds have potential to give higher returns due to all the advantages &benefits listed here.

Tax Benefits

  • ELSS –Equity Linked Saving Schemes are equity schemes where investors get tax benefit uptoRs 1.5 Lakh under section 80C of Income Tax Act. These schemes have a lock in period of 3 years.
  • There is NILtax on capital gains in Equity Mutual Fund schemes after 1 year of investments period and 15% on Short Term Capital Gains (less than or equal to 12 months holding period).
  • In case of Debt funds people with highest tax bracket get to pay lower taxes due to indexation benefit, scoring over FD options.  Investor has to pay 20 % tax With Indexation if held for 3 years or more.