What is Mutual Fund? Are mutual funds right?8 min read

Mutual Fund Investment Plan In India | Hindi

Hello friends, whether money is earned from job or from any business / investment, there is both hard work + risk in all. Risk and income are less for those doing jobs, while for those doing business or investing, the risk is high and along with it the income is also high. Are mutual funds valid?

Today we will talk here about such a business / investment method called Mutual Fund (Hindi) and about mutual funds india, if you do not know about it yet. So these tips are for you, so let’s understand in detail.

Mutual Fund Kya Hai?

Money is invested in Mutual Funds, many of us would know about it, but what are actual mutual funds? know about it,

This is such an investment hub where many investors deposit money or work together. Mutual Fund is such a place where you, small and big businesses, employees deposit money ie funds. The capital deposited by investors is used together at one place, to earn maximum profit.

Each Mutual Funds scheme has some of its own properties which are common to all.

Mutual Funds Sponsor: This is the person or organization that sets up the mutual fund. The one who sponsors it has to invest at least 40% of the total amount himself.
Trust: Any mutual fund is always launched as a sponsor’s trust and for this necessary documents have to be made in the government office.
Asset Management Company (AMC): This is a finacial or management department which is decided by the trust operator and AMC is approved by SBI (State bank of India).
Guardian/trustee: Those who are Mutual Fund investors are there to provide security to them and this is also approved by some Bank or Economic Institute.

All these are the basic properties of any Indian Mutual Funds system which are useful in running the entire system well.’

Mutual Fund Types:

Mutual funds are very complex and without the help of any expert, it would be a bit difficult for common people to understand. If we talk about Type of mutual funds in India, then it is mainly divided into 5 parts according to different features.

Asset based funds:

In this type of Mutual Fund scheme, the main feature is asset value and it has been told in 4 sub-categories on the basis of asset.

equity fund
debt fund schemes
Money Market Liquid Fund
hybrid fund

Structured Based Funds:

All schemes falling in this category have a pre-defined structure and the entire investment scheme works on the same basis. Mainly structure fund is divided into the following parts.

open ended
close ended
Interval Scheme

Risk based funds:

We all know, be it Business or Money investment plan, there is risk in all and mutual funds are like Share Market plan and on this basis it is divided into 3 parts.

high risk
Medium Risk
Low Risk

Investment based funds:

As the word investment has come in the name of this scheme and all its sub-plans depend on saving on some kind of investment. for example…

capital protection
pension scheme
tax savings
income fund
Growth Fund
Fixed Maturity Fund

Characteristics based funds:

The biggest thing about Mutual Fund is that it is not limited to any region or any field. It is present for all fields and regions from national to international and from agriculture to real estate. Based on its characteristics, it has been discussed in the following sections.

sector fund
international funds
global fund
real estate fund
exchange traded funds

Mutual Funds Me Invest Kaise Kare?

There are many Sponsors and Asset management companies in India who keep bringing different types of mutual fund schemes. But before selecting any scheme and before investing money anywhere, it is very important that we should have complete information about it.

If you do not understand the Mutual Fund scheme and all its terms and conditions, then our investment may be at risk and we may suffer loss instead of profit. That’s why first you understand about it from an expert and then join any of the schemes mentioned.

Tata Mutual Fund
ICICI Mutual
hdfc mutual funds
Kotak Mutual Fund
L&T Mutual Fund
axis mutual fund

Top 100 Mutual Funds In India

Fund Name Category AUM (In crs) Return(%)
1Y 3Y 5Y SI
Tata Digital India Fund Equity-Sector 380.11 18.05 13.74 13.13
ICICI Prudential Technology Fund Equity-Sector 461.79 17.39 14 12.85 9.89
SBI Technology Opportunities Fund Equity-Sector 135.28 13.66 12.09 10.96 13.46
HSBC Brazil Fund Fund of Funds-Overseas 22.72 11.44 35.22 1.69 -1.26
IDFC Government Securities Fund Constant Maturity Plan Gilt-Short Term 27.12 10.8 8.88 9.5 6.22
Aditya Birla Sun Life Digital India Fund Equity-Sector 452.95 10.46 13.9 12.71 9
Aditya Birla Sun Life Global Real Estate Fund Fund of Funds-Overseas 14.53 10.32 3.33 3.91 5.96
Motilal Oswal Nasdaq 100 ETF ETF-Others 102.31 9.94 18.91 16.07 21.41
Franklin India Feeder – Franklin U.S. Opportunities Fund Fund of Funds-Overseas 656.76 9.63 13.83 9.77 16.21
Indiabulls Income Fund Debt-Income 20.89 9.52 7.68 8.44 7.38
HDFC Fixed Maturity Plan – February 2016 (35) – 2 – 1148D Debt-FMP 400.94 9.4 9.61
Kotak Fixed Maturity Plan – Series 186 (1176 Days) Debt-FMP 268.89 9.14 9.93
HDFC Fixed Maturity Plan – March 2016 (36) – 1 – 1190D Debt-FMP 625.87 9.1 9.68
HDFC Fixed Maturity Plan – March 2016 (35) – 1 – 1140D Debt-FMP 348.29 9.09 9.58
Franklin India Ultra Short Bond Fund Debt-Ultra Short Term 15062.51 9.03 8.95 9.29 8.91
Franklin India Technology Fund Equity-Sector 224.69 9.03 11.78 9.33 18.31
Kotak Fixed Maturity Plan – Series 189 (1154 Days) Debt-FMP 120.23 9.03 9.76
SBI Magnum Constant Maturity Fund Gilt-Short Term 354.41 8.99 9.18 9.77 7.92
Franklin India Short Term Income Plan Debt-Short Term 11960.25 8.94 8.63 9.24 8.39
Kotak Fixed Maturity Plan – Series 127 (730 Days) Debt-FMP 443.22 8.86 9.12 9.27 9.29
Reliance Fixed Horizon Fund 30 – Series 11 Debt-FMP 297.84 8.82 9.3
ICICI Prudential Constant Maturity Gilt Fund Gilt-Long Term 25.74 8.77 8.66 9.49
Reliance Fixed Horizon Fund 30 – Series 8 Debt-FMP 182.24 8.71 9.57
Franklin India Low Duration Fund Debt-Ultra Short Term 6796.52 8.7 8.87 9.28 9.33
DHFL Pramerica Global Equity Opportunities Fund Fund of Funds-Overseas 8.99 8.69 11.29 1.46 6.5
Reliance Interval Fund – Quarterly Series II Debt-FMP 451.3 8.68 7.56 8.07 8.25
HDFC Fixed Maturity Plan – February 2016 (35) – 1 – 1161D Debt-FMP 832.43 8.63 9.72
Reliance Fixed Horizon Fund 30 – Series 18 Debt-FMP 73.89 8.62 8.97
Reliance Fixed Horizon Fund 30 – Series 14 Debt-FMP 83.04 8.59 9.19
Reliance Fixed Horizon Fund 31 – Series 4 Debt-FMP 56.41 8.59 8.81
ICICI Prudential FMP – Series 78 – 1281 Days – Plan V Debt-FMP 295.81 8.58 9.07
Franklin India Dynamic Accrual Fund Debt-Income 3778.9 8.56 9.04 9.99 8.97
Reliance Fixed Horizon Fund 30 – Series 20 Debt-FMP 134.76 8.56 9.02
Franklin India Credit Risk Fund Debt-Income 7124.35 8.54 8.55 9.26 9.64
Kotak Fixed Maturity Plan – Series 187 (1146 Days) Debt-FMP 487.18 8.49 8.99
Reliance Fixed Horizon Fund 24 – Series 2 Debt-FMP 17.56 8.47 8.07 8.5 8.76
HDFC Fixed Maturity Plan – February 2016 (35) – 1 – 1168D Debt-FMP 333.18 8.46 9.79
Reliance Fixed Horizon Fund 31 – Series 11 Debt-FMP 67.29 8.42 8.65
ICICI Prudential FMP – Series 79 – 1218 Days – Plan A Debt-FMP 484.14 8.4 8.8
Reliance US Equity Opportunities Fund Equity-Global Funds 28.03 8.39 15.67 10.65
HDFC Fixed Maturity Plan – July 2016 (36) – 1 – 1161D Debt-FMP 60.14 8.37 8.6
ICICI Prudential FMP – Series 78 – 1127 Days – Plan R Debt-FMP 112.15 8.35 8.89
HDFC Fixed Maturity Plan – September 2016 (37) – 1 – 1111D Debt-FMP 50.91 8.32 8.58
Axis Gold Fund Fund of Funds-Domestic 47.15 8.24 7.29 -0.79 0.24
Reliance Fixed Horizon Fund 31 – Series 2 Debt-FMP 339.91 8.21 8.69
Reliance Fixed Horizon Fund 31 – Series 6 Debt-FMP 44.64 8.15 8.48
SBI Magnum Ultra Short Duration Fund Liquid 5205.11 8.09 7.42 7.9 7.39
Axis Corporate Debt Fund Debt-Income 249.3 8.09 7.47
Aditya Birla Sun Life Money Manager Fund Liquid 6135.38 8.08 7.49 7.98 7.02
Reliance Money Market Fund Liquid 1352.62 8.06 7.39 7.89 7.8
ICICI Prudential FMP – Series 80 – 1100 Days – Plan A Debt-FMP 43.2 8.06 8.11
Franklin India Income Opportunities Fund Debt-Income 3865.22 8.04 8.36 9.11 8.99
DHFL Pramerica Ultra Short Term Fund Debt-Ultra Short Term 366.39 8.02 7.71 8.3 7.95
DSP FMP – Series 192 – 36 Months Debt-FMP 102.82 8 8.9 8.89
HDFC Fixed Maturity Plan – June 2016 (36) – 1 – 1128D Debt-FMP 79.36 7.97 8.83
Indiabulls Fixed Maturity Plan – Series V – 1175 Days March 2016 (1) Debt-FMP 46.21 7.96 8.65
ICICI Prudential US Bluechip Equity Fund Equity-Global Funds 215.35 7.95 14.69 10.58 15.78
HDFC Fixed Maturity Plan – January 2014 – 1 – 1175D Debt-FMP 92 7.94 7.77 9.35
UTI Fixed Term Income Fund – Series XXIII – Plan 13 Debt-FMP 28.36 7.94 8.23
Reliance Interval Fund – Annual Series I Debt-FMP 99.75 7.93 7.51 7.97 5.45
ICICI Prudential FMP – Series 79 – 1104 Days – Plan O Debt-FMP 157.59 7.93 8.39
Kotak Fixed Maturity Plan – Series 185 (1176 Days) Debt-FMP 309.82 7.93 7.95 7.93
Reliance Fixed Horizon Fund 29 – Series 18 Debt-FMP 227.19 7.92 9.01 8.99
Invesco India Gold Fund Fund of Funds-Domestic 12.68 7.9 12.33 0.56 0.07
UTI Money Market Fund Liquid 2572.73 7.9 7.38 7.9 7.9
ICICI Prudential FMP – Series 79 – 1105 Days – Plan B Debt-FMP 30.66 7.88 7.82
Aditya Birla Sun Life Savings Fund Debt-Ultra Short Term 14015.53 7.88 8.08 8.52 7.77
ICICI Prudential FMP – Series 80 – 1248 Days – Plan D Debt-FMP 102.37 7.87 7.77
Kotak Money Market Scheme Liquid 5753.84 7.85 7.39 7.92 7.39
Reliance Gilt Securities Fund Gilt-Long Term 897.08 7.84 9.11 9.93 8.87
Reliance Fixed Horizon Fund 25 – Series 15 Debt-FMP 68.31 7.84 8.52 9.29
ICICI Prudential FMP – Series 78 – 1190 Days – Plan E Debt-FMP 145.56 7.84 8.13 8.14
Kotak Fixed Maturity Plan – Series 190 (1142 Days) Debt-FMP 90.21 7.84 8.12
ICICI Prudential FMP – Series 79 – 1130 Days – Plan E Debt-FMP 26.65 7.83 7.48
ICICI Prudential FMP – Series 78 – 1168 Days – Plan J Debt-FMP 153.63 7.81 8.33
ICICI Prudential FMP – Series 78 – 1185 Days – Plan F Debt-FMP 147.59 7.81 8.12
Franklin India Corporate Debt Fund Debt-Income 831.94 7.81 8.17 9.07 9.05
Indiabulls Short Term Fund Debt-Short Term 176 7.81 7.37 8.02 8.18
Kotak Corporate Bond Fund Debt-Income 802.14 7.81 7.95 8.71 8.12
ICICI Prudential Money Market Fund Liquid 5131.8 7.81 7.35 7.88 7.53
BOI AXA Ultra Short Duration Fund Debt-Ultra Short Term 313.73 7.8 8.29 8.55 7.92
ICICI Prudential FMP – Series 78 – 1130 Days – Plan T Debt-FMP 130.35 7.8 8.04
ICICI Prudential FMP – Series 78 – 1115 Days – Plan X Debt-FMP 313.46 7.8 8.1
UTI Fixed Term Income Fund – Series XXIV – Plan 2 Debt-FMP 25.91 7.79 8.23
ICICI Prudential FMP – Series 78 – 1170 Days – Plan I Debt-FMP 232.74 7.79 8.45
UTI Fixed Term Income Fund – Series XXIII – Plan 12 Debt-FMP 37.38 7.79 8.3 8.12
ICICI Prudential FMP – Series 78 – 1156 Days – Plan U Debt-FMP 106.94 7.79 7.75
Kotak Fixed Maturity Plan – Series 191 (1120 Days) Debt-FMP 210.81 7.78 7.92
Aditya Birla Sun Life Floating Rate Fund Debt-Ultra Short Term 4028.79 7.78 8.07 8.47 8.63
Axis Banking & PSU Debt Fund Debt-Income 2301.82 7.77 7.74 8.18 8.36
ICICI Prudential FMP – Series 78 – 1135 Days – Plan W Debt-FMP 158.41 7.77 7.84
Tata Treasury Advantage Fund Debt-Ultra Short Term 2271.57 7.77 7.68 8.14 7.99
ICICI Prudential FMP – Series 78 – 1150 Days – Plan N Debt-FMP 234.43 7.76 8.25
Reliance Fixed Horizon Fund 29 – Series 16 Debt-FMP 429.3 7.76 7.89 7.79
UTI Fixed Income Interval Fund – Annual Plan I Debt-FMP 29.97 7.75 7.7 8.09 8.42
LIC MF G Sec Fund Gilt-Long Term 36.96 7.75 7.33 8.14 7.38
Reliance Fixed Horizon Fund 30 – Series 2 Debt-FMP 260.9 7.75 8.1
Reliance Fixed Horizon Fund 30 – Series 13 Debt-FMP 274.5 7.75 8.02

Benefits of Mutual Funds :

When it comes to investing, whether it is an insurance plan or a business plan, we invest money for it. So there is one thing with that plan that is risk, if you want to invest in mutual funds. So you understand that there is some risk in this and it is right for a long-term investment.

But Mutual fund scheme is much cheaper than Share Market or Bond Market investment. There is no limit in many plans, you can invest anything.
You might not know, whenever we make any investment, we get tax exemption. Similarly, if you invest money in Mutual Fund, then you can also do tax saving.

Friends, we have talked about Mutual Funds (Hindi) here and understood some of its main points. If you have to invest money in it and you want to earn money through it. So you should first take advice from a good and experienced expert, after that you can easily invest in it. If you have any question or suggestion regarding this, then you must comment.

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