Key Information Memorandum (KIM) in Mutual Funds

KIM stands for Key Information Memorandum, which is a document that contains information about a mutual fund scheme that investors should know before investing.
EXPLORE FUNDS
Key Information Memorandum (KIM)
EXPLORE FUNDS
3 min
07-May-2024

A Key Information Memorandum also known as KIM, is a document that provides essential information about a particular mutual fund scheme.

Investing in mutual funds can be both exciting and intimidating at the same time. With so many options available for the investors, they must make informed decisions. One essential document that aids in this process is the Key Information Memorandum in Mutual Funds (KIM). In this article, we will delve into what exactly a KIM is, its contents, validity, role in investor education, and more.

Integrating mutual funds into your portfolio, whether via a lump sum investment or a SIP investment, can be a strategic move to align with your wider financial aspirations, as outlined in the key information memorandum.

What is a key information memorandum?

KIM stands for Key Information Memorandum, is a document that provides essential information about a mutual fund scheme to potential investors. It serves as a comprehensive guide that helps investors understand the nature, objectives, risks, and costs associated with investing in a particular mutual fund.

Imagine you are about to embark on a journey. Before setting off, you would want to know all the necessary details about your destination, the route you will take, and any potential obstacles along the way. Similarly, a KIM acts as a roadmap for investors, guiding them through their investment journey.

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Frequently asked questions

What is the full form of Kim in a mutual fund?
The full form of KIM in mutual funds is the Key Information Memorandum.
How often should I review the KIM of a mutual fund?
It's advisable to review the KIM of a mutual fund scheme periodically, especially before making any new investments or when there are significant changes in your financial goals or market conditions. Additionally, whenever there are updates or changes to the scheme, be sure to review the revised KIM to stay informed about any modifications that may affect your investment decision.
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Disclaimer

Bajaj Finance Limited (“BFL”) is an NBFC offering loans, deposits and third-party wealth management products.

The information contained in this article is for general informational purposes only and does not constitute any financial advice. The content herein has been prepared by BFL on the basis of publicly available information, internal sources and other third-party sources believed to be reliable. However, BFL cannot guarantee the accuracy of such information, assure its completeness, or warrant such information will not be changed. 

This information should not be relied upon as the sole basis for any investment decisions. Hence, User is advised to independently exercise diligence by verifying complete information, including by consulting independent financial experts, if any, and the investor shall be the sole owner of the decision taken, if any, about suitability of the same.

Disclaimer:

Bajaj Finance Limited ("BFL") is registered with the Association of Mutual Funds in India ("AMFI") as a distributor of third party Mutual Funds (shortly referred as 'Mutual Funds) with ARN No. 90319

BFL does NOT:

(i) provide investment advisory services in any manner or form:

(ii) carry customized/personalized suitability assessment:

(iii) carry independent research or analysis, including on any Mutual Fund schemes or other investments; and provide any guarantee of return on investment.

In addition to displaying the Mutual fund products of Asset Management Companies, some general information is sourced from third parties, is also displayed on As-is basis, which should NOT be construed as any solicitation or attempt to effect transactions in securities or the rendering any investment advice. Mutual Funds are subject to market risks, including loss of principal amount and Investor should read all Scheme/Offer related documents carefully. The NAV of units issued under the Schemes of mutual funds can go up or down depending on the factors and forces affecting capital markets and may also be affected by changes in the general level of interest rates. The NAV of the units issued under the scheme may be affected, inter-alia by changes in the interest rates, trading volumes, settlement periods, transfer procedures and performance of individual securities forming part of the Mutual Fund. The NAV will inter-alia be exposed to Price/Interest Rate Risk and Credit Risk. Past performance of any scheme of the Mutual fund do not indicate the future performance of the Schemes of the Mutual Fund. BFL shall not be responsible or liable for any loss or shortfall incurred by the investors. There may be other/better alternatives to the investment avenues displayed by BFL. Hence, the final investment decision shall at all times exclusively remain with the investor alone and BFL shall not be liable or responsible for any consequences thereof.

Investment by a person residing outside the territorial jurisdiction of India is not acceptable nor permitted.

Disclaimer on Risk-O-Meter:

Investors are advised before investing to evaluate a scheme not only on the basis of the Product labeling (including the Riskometer) but also on other quantitative and qualitative factors such as performance, portfolio, fund managers, asset manager, etc, and shall also consult their Professional advisors, if they are unsure about the suitability of the scheme before investing.