List of mutual funds

1000+ mutual funds schemes are listed on the Bajaj Finserv platform.

To access all your mutual fund details, you can check your account statements, visit the fund's official website, or use the Bajaj Finserv platform to check the information about all the mutual fund schemes you have invested in, through the Bajaj Finserv platform.

Yes, many mutual fund schemes allow SIP investments starting from as low as Rs. 500 per month, making it accessible to a wide range of investors.

While mutual funds can offer varying returns, aiming for a consistent 15% return may not always be feasible or guaranteed due to market fluctuations and other factors.

Absolutely, investors can diversify their investment portfolio by investing in multiple mutual funds to spread risk and potentially enhance returns.

Mutual fund recategorisation norms involve SEBI's guidelines for classifying and categorising mutual fund schemes based on their investment objectives, asset allocation, and risk profile.

Equity schemes are mutual fund schemes primarily investing in stocks or equities, aiming for long-term capital appreciation by participating in the growth of companies.

Debt schemes are mutual fund schemes primarily investing in fixed-income securities like bonds, aiming for regular income generation and capital preservation with lower volatility.

Hybrid schemes, also known as balanced funds, invest in a mix of equities and debt instruments to provide both capital appreciation and income generation with a balanced risk-return profile.

Solution-oriented schemes are mutual fund schemes with a specific investment goal or solution, such as retirement planning or children's education, typically with a lock-in period and strategic asset allocation.

Returns in mutual funds are earned through dividends, interest, and capital gains. Dividends and interest are distributed from the fund's holdings, while capital gains arise from the sale of securities at a profit. These returns can be reinvested in the fund or paid out to investors. The overall performance depends on the fund's investment strategy and market conditions.

Mutual fund investments can be profitable, offering potential for higher returns compared to traditional savings methods. They provide diversification, professional management, and access to a wide range of asset classes. However, profitability is subject to market risks and the specific fund's performance. Investors should assess their risk tolerance, investment horizon, and financial goals before investing.

A mutual fund is set up by an Asset Management Company (AMC), which creates a trust with a sponsor, trustees, and a custodian. The AMC manages the fund's investments, while the trustees ensure regulatory compliance. The custodian holds the fund's securities. SEBI, India's market regulator, must approve the mutual fund scheme before it can be offered to investors.

When selecting a mutual fund scheme, consider factors such as investment objective, risk tolerance, fund performance, expense ratio, fund manager’s track record, and the fund house's reputation. Additionally, review the fund's portfolio composition, investment strategy, and past returns relative to benchmarks. Assessing these factors helps in aligning the mutual fund selection with your financial goals.

As of the latest data, over 5.6 crore (56 million) Indians have Systematic Investment Plans (SIPs) in mutual funds. SIPs allow investors to invest a fixed amount regularly, promoting disciplined savings and investment habits. The popularity of SIPs has been growing, contributing significantly to the mutual fund industry's assets under management.

Mutual fund recategorisation rules were introduced by SEBI in 2017 to bring uniformity and clarity in mutual fund schemes. Under these guidelines, fund houses can offer only one scheme per category in each type of mutual fund. The categories include equity, debt, hybrid, solution-oriented, and others. Funds are classified based on asset allocation, investment objectives, and risk profiles. Recategorisation ensures that schemes are distinct, preventing overlap and helping investors make informed choices. It also mandates fund houses to adhere to the defined investment limits and themes for each category, ensuring transparency and consistency across the industry.

As of 2024, there are over 2,500 mutual fund schemes listed in India, across various categories such as equity, debt, hybrid, and others. These funds are offered by multiple Asset Management Companies (AMCs), providing investors with diverse options based on their financial goals and risk tolerance.

Equity funds in India are categorised based on market capitalisation and investment strategy. The main types include Large Cap, Mid Cap, Small Cap, Multi Cap, Flexi Cap, Large & Mid Cap, ELSS, Sectoral, Thematic, Dividend Yield, Contra, Value Oriented, and International funds. Each type carries a different risk profile and is suited to different investment goals and time horizons.

Debt schemes are categorised based on the maturity and duration of the instruments they invest in. Key types include Liquid, Ultra Short Duration, Low Duration, Money Market, Short Duration, Medium Duration, Medium to Long Duration, Long Duration, Dynamic Bond, Corporate Bond, Credit Risk, Banking and PSU, Gilt, Gilt with 10-year Constant Duration, Floater, Overnight, and Target Maturity funds.

Hybrid schemes invest across both equity and debt asset classes in varying proportions. The main categories include Aggressive Hybrid, Conservative Hybrid, Balanced Hybrid, Dynamic Asset Allocation, Multi Asset Allocation, Equity Savings, and Arbitrage funds. Each category differs in its equity-to-debt ratio, making them suitable for investors with different risk appetites and financial goals.

Solution-oriented schemes are designed to help investors meet specific long-term financial goals. SEBI recognises two categories under this — Retirement Fund and Children's Fund. Both come with a mandatory lock-in period of at least 5 years or until retirement or the child reaches adulthood, whichever is earlier, encouraging disciplined long-term investing.