What are Mutual Funds?
Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities. They are managed by professional fund managers who aim to generate returns for investors.
Why Invest in Mutual Funds?
Professional Management
Funds are managed by experienced professionals who make investment decisions on your behalf.
Diversification
Invest in a wide range of securities, reducing risk compared to investing in single stocks.
Affordability
Start investing with small amounts through SIPs (Systematic Investment Plans).
Liquidity
Easily buy or sell units at the prevailing Net Asset Value (NAV) on any business day.
Investment Access for Individuals, NRIs, OCIs & Corporates
Individual Residents
Indian citizens can invest using PAN, Aadhaar, and savings accounts. Ideal for wealth creation through SIPs or lumpsum.
NRI/OCI Investors
NRIs and OCIs can invest in Indian mutual funds through NRE/NRO accounts with full regulatory support and repatriation options.
Professionals & Corporates
Doctors, lawyers, consultants, and salaried professionals can invest directly or via firm accounts for retirement, tax planning, and capital growth.
LLPs
Limited Liability Partnerships can invest surplus business earnings in regulated and tax-efficient mutual fund options across risk categories.
Trusts & HUFs
Hindu Undivided Families and Registered Trusts can invest under their PAN for corpus building, charitable goals, or estate planning.
Pvt & Public Ltd
Private and Public Limited companies can build treasury portfolios via mutual funds, balancing liquidity, returns, and risk.
Eligible Bank Accounts
- ✅ Savings Account
- ✅ NRE / NRO Account
- ✅ Current Account
- ✅ FCNR Account (in certain cases)
- ✅ Guardian-Minor / Joint Account
Top Mutual Funds Based on Asset Class
Top 5 Flexi Cap Funds
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Flexi Cap Fund
Flexi Cap funds invest in companies with different market capitalizations without any predefined proportion. Fund managers have the flexibility to adjust the allocation between large cap, mid cap and small cap stocks.
Benefits of Investing in Mutual Funds
Variety of Options
Choose from a wide range of fund types to match your financial goals and risk appetite.
Regulated & Secure
Mutual funds in India are regulated by SEBI, ensuring investor protection and transparency.
Systematic Investing
SIPs allow you to invest a fixed amount regularly, benefiting from rupee cost averaging.
Tax Benefits
ELSS (Equity Linked Savings Schemes) offer tax deductions under Section 80C of the Income Tax Act.
Compare Mutual Funds
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1300+ Mutual Funds on GarudVista
Explore All →Advantages of Mutual Fund SIP
Stay Financially Disciplined
Systematic Investment Plans (SIPs) instill long-term financial discipline, helping you remain committed to your wealth-building journey without emotional decision-making.
Harness the Power of Compounding
Regular SIP investments enable exponential wealth creation through compounding, where returns generate further returns over time.
Begin with Just ₹100
Start your investment journey with as little as ₹100. SIPs are flexible, making them accessible for every investor—whether you're a first-timer or a seasoned professional.
Invest Anytime, Anywhere
Enjoy seamless investing through digital platforms. SIPs can be initiated, modified, or paused effortlessly—right from your phone or laptop.
Backed by Experts
Every SIP investment is managed by qualified fund managers using data-driven strategies, ensuring your money works smartly and efficiently.
Zero Hassle, Fully Automated
Set it and forget it! SIPs can be automated via AutoPay or UPI, ensuring timely investments every month—without lifting a finger.
You can choose your SIP frequency: Daily, Weekly, Bi-Monthly, Monthly, Quarterly, or Half-Yearly. It's that easy to align your investments with your financial flow!
Start Your SIP Journey Today!Who Can Invest & How to Get Started
Who Can Invest?
A wide range of individuals and entities are eligible to invest in mutual funds in India:
- Resident Individuals (18+ years)
- Minors (through guardian)
- Hindu Undivided Families (HUFs)
- Non-Resident Indians (NRIs) / PIOs
- Sole Proprietorships
- Partnership Firms
- Limited Liability Partnerships (LLPs)
- Private and Public Limited Companies
- Trusts (Private & Public)
- Societies and Associations
- Banks and Financial Institutions
- Government Bodies & Public Sector Units (PSUs)
- Foreign Institutional Investors (FIIs) / Foreign Portfolio Investors (FPIs)
How to Invest for Long-Term Growth
Investing in mutual funds for long-term growth is a straightforward process:
- Complete KYC: Ensure your Know Your Customer (KYC) process is up-to-date. This involves submitting necessary documents like PAN, Aadhaar (for residents), and FATCA/CRS declarations.
- Choose Your Fund: Based on your financial goals and risk appetite, select suitable mutual fund schemes. Our platform helps you discover and compare.
- Start Investing: You can choose between a Systematic Investment Plan (SIP) for regular, disciplined investing or a Lumpsum investment for a one-time capital deployment.
- Monitor & Review: Regularly review your portfolio performance and rebalance if necessary to stay aligned with your long-term goals.
It's that easy to start building wealth for your future.
⚠️ Note: All investors must comply with SEBI’s KYC norms, including:
- PAN (or equivalent if not available)
- Aadhaar (for Indian residents)
- FATCA/CRS declaration (for all investors)
- Bank account verification
GarudVista will help you in onboarding, hand-holding you like a mother to her son.
Experience the GarudVista Edge in Mutual Fund Investing
Dedicated Fund Curation
Tailored Mutual Fund Baskets Just for You
Our expert team carefully selects funds that align with your financial goals, risk profile, and market outlook.
Data-Driven Approach
Backed by Research, Powered by Insights
We use in-depth analytics, sectoral trends, and macroeconomic research to craft a high-performing portfolio for you.
End-to-End Guidance
From Investment to Redemption – We've Got You Covered
Whether it’s starting an SIP, switching funds, or exiting at the right time, our advisors walk with you at every step.
Seamless Digital Experience
Invest. Track. Grow – All in One Place
With our intuitive platform and mobile access, managing your mutual fund investments becomes effortless and transparent.
RISE WITH GOALS AS INDIA UNFOLDS
Log In To Garud VistaBrighter Future with Education Planning
Education is an investment that yields lifelong returns. Start early to secure world-class learning opportunities—from kindergarten to Ivy League—without financial compromise or last-minute stress.
Plan the Perfect Wedding, Financially
Make your big day truly memorable. Build a smart financial buffer for your wedding, so you can celebrate traditions and milestones stress-free—just the way you've envisioned.
Achieve Home Ownership with Confidence
Buying a home is a symbol of success. Structured wealth planning allows you to move into your dream home without sacrificing your long-term financial goals.
Retire on Your Own Terms
Enjoy financial independence post-retirement. With disciplined planning today, create an inflation-proof income stream for tomorrow—ensuring peace, dignity, and freedom in your golden years.
Travel Anytime
Be it a peaceful retreat or a luxurious getaway, well-planned vacations recharge you. Create a dedicated travel corpus so you can explore the world—without disrupting your financial roadmap.
Indulge in the Finer Things, Smartly
Luxury should elevate your life, not burden your finances. Whether it’s a luxury car, high-end collectibles, or premium experiences—plan wisely to enjoy them without compromising your financial future.
Essential Mutual Fund Terms You Should Know
SIP (Systematic Investment Plan)
Invest a fixed amount regularly to build wealth over time through disciplined, consistent investing—ideal for long-term financial goals.
STP (Systematic Transfer Plan)
Seamlessly transfer funds from one mutual fund to another at regular intervals—perfect for managing risk and rebalancing your portfolio.
SWP (Systematic Withdrawal Plan)
Withdraw a fixed amount at scheduled intervals while your remaining investment stays active—ensuring steady income and market participation.
AUM (Assets Under Management)
Represents the total value of assets managed by a mutual fund. A higher AUM often indicates investor trust and fund stability.
NAV (Net Asset Value)
The per-unit value of a mutual fund, calculated by dividing total assets (minus liabilities) by the number of outstanding units.
Expense Ratio
Annual fee charged by the fund to manage your investments. Lower expense ratios often mean better net returns for investors.
Entry Load
A fee (now mostly abolished) previously charged when you entered a fund. Always verify charges to make the most of your investments.
Exit Load
A fee levied when units are redeemed before a specified period. Designed to discourage early exits and promote long-term investing.
Lumpsum Investment
A one-time investment of a large amount into a fund. Ideal for those with substantial capital and a vision for long-term growth.
Units
Denote your ownership in a mutual fund. The number of units you hold reflects your proportional share of the total investment corpus.
NFO (New Fund Offer)
A new mutual fund scheme launched for the first time—usually at a set price (₹10/unit). Similar to an IPO in the stock market.
AMC (Asset Management Company)
A professional firm responsible for managing mutual funds. AMCs design schemes, allocate investments, and pursue fund objectives.
Frequently Asked Questions
A mutual fund is a professionally managed investment fund that pools money from many investors to purchase securities. These securities could be stocks, bonds, money market instruments, or other assets. The fund manager invests this pooled money according to the fund's stated investment objective.
When you invest in a mutual fund, you buy units of the fund. The value of each unit is called the Net Asset Value (NAV), which is calculated daily. The money collected from investors is then invested in various securities by a professional fund manager. Any profits or losses from these investments are shared proportionally among the unit holders.
Key benefits include professional management, diversification (spreading risk across various assets), affordability (you can start with small amounts), liquidity (easy to buy and sell), and potential for long-term capital appreciation.
SIP is a method of investing a fixed amount regularly (e.g., monthly, quarterly) into a mutual fund scheme. It helps in rupee cost averaging, where you buy more units when prices are low and fewer when prices are high, averaging out your purchase cost over time.
Mutual funds are regulated by SEBI (Securities and Exchange Board of India) in India, which ensures transparency and investor protection. However, like all investments, they are subject to market risks, meaning their value can fluctuate. It's important to understand the risks associated with the specific fund you choose.
NAV is the per-unit market value of a mutual fund. It's calculated by subtracting the fund's liabilities from its total assets and then dividing by the number of outstanding units. NAV changes daily based on the performance of the underlying securities.
The expense ratio is the annual fee charged by the mutual fund to cover its operating and management expenses. It's expressed as a percentage of the fund's average net assets. A lower ratio generally means more of your investment goes towards actual investments.
Yes, Non-Resident Indians (NRIs) and Persons of Indian Origin (PIOs) can invest in Indian mutual funds. They need to comply with specific KYC norms and FEMA regulations, which may include having an NRE or NRO bank account.
Taxation depends on the type of fund and holding period:
- Equity Funds:
- Long-Term Capital Gains (LTCG): 12.5% on gains exceeding ₹1.25 lakh in a financial year, without indexation, if units are held for more than 1 year.
- Short-Term Capital Gains (STCG): 20% on gains if units are held for 1 year or less.
- Debt Funds:
- Long-Term Capital Gains (LTCG): For investments made before April 1, 2023 and held for more than 3 years, LTCG is taxed at 20% with indexation benefit.For investments made on or after April 1, 2023, LTCG classification does not apply — all gains are taxed as STCG.
- Short-Term Capital Gains (STCG): For all investments made on or after April 1, 2023, gains are classified as STCG regardless of holding period and are taxed as per your applicable income tax slab rate. For investments made before April 1, 2023 and held for 3 years or less, STCG applies and is also taxed as per the slab rate.
- Equity Linked Savings Schemes (ELSS):
- Offer tax deductions under Section 80C of the Income Tax Act, up to ₹1.5 lakh per financial year, with a 3-year mandatory lock-in period.
- Long-Term Capital Gains (LTCG):After the lock-in period, gains above ₹1.25 lakh are taxed as LTCG at 12.5% (without indexation).
- Short-Term Capital Gains (STCG): Not applicable, as ELSS units cannot be redeemed before 3 years due to the lock-in.