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The question of how much salary to invest in mutual funds is a burning question for many salaried professionals.   There are many thumb rules; for example, the 50:30:20 rule is a great example that shows how, typically, on average, a person should invest 20% of a month’s salary.   Before investing in any instrument, the first thing that needs to be taken care of is your fixed obligation-to-income ratio. Fixed obligations are those expenses that are necessary to sustain your life.   So, whatever remains after paying your fixed obligation should go towards investing.   How much in mutual funds?   The question is how much of that 20% of investments should go into mutual funds. Mutual funds are a very popular form of investment giving better returns than your savings account and are also a hassle-free investment strategy.   There are various types of mutual funds depending on your risk appetite. Some of them are index funds, debt funds, multi-cap funds, hybrid funds, and equity funds.   Equity funds are the riskiest because they have the highest exposure to equity markets.   The amount that you will invest in mutual funds will depend upon your salary range and the expenses you will cover. But the percentage, as shown above, is usually 20%.   At least half of it is 10% of the total salary and should be in mutual funds in the form of SIP investments because mutual funds have the power to generate high returns in the long run. Far more than FDs and savings accounts.  Example:   Suppose person A earns ₹40,000 per month.   50% of 40,000 = 20,000   So, ₹20,000 should go towards the necessities like rent, bills, etc.   30% of 40,000 = 12,000   Then, ₹12,000 should be spent on movies, gyms, restaurants, etc.   20% of 40,000 = 8,000   The remaining ₹8000 should be saved or invested.  In that ₹8,000, at least ₹4,000 should be invested in mutual funds, which is 10 percent of the total salary. The remaining 10 percent can be saved or invested depending on your financial goals.  Source: Pexels Long term goals   Your investment in mutual fund SIPs should align with your future goals as an individual or even for your family. It completely depends on how much wealth you would like to have in the long run (given your desired time horizon).   Your long-term financial goals will also decide how much you want to invest and which type of mutual funds you should invest in to get the desired type of returns.   You can arrive at any amount depending upon the type of expenses you will undertake in the future. You must carefully analyze the total amount of your SIP investment in mutual funds.  Investing some portion of your monthly income will go a long way in your dream of wealth creation in the future. You need to remain consistent with your investments.   Also, keep on increasing the size of your investment in your desired instrument with every hike in your salary.  FAQs What % of your salary should you invest in mutual funds? The thumb rule that most investors follow is the 50:30:20 where 20% of your income should be invested. However, the percentage differs based on the individual's salary, financial goals, and assets/debts. How much in mutual funds?   The amount that you will invest in mutual funds will depend upon your salary range and the expenses you will cover. But the percentage, as shown above, is usually 20%.  To figure out how much to invest, you can always consult an expert. Can a salaried person invest in mutual funds? Yes, salaried persons can invest in mutual funds/stocks and ETFs. There are many investment options available to salaried persons in India and even abroad such as investing in US stocks and ETFs. How much to invest in mutual funds and how to choose a mutual fund is best answered with the help of an advisor! Consult an expert advisor to get the right plan for you TALK TO AN EXPERT

Many students have aspirations of studying abroad, but the exorbitant fees involved can be a significant barrier. Thankfully, there are nontraditional financing solutions that can help turn this ambition into a reality. Crowdfunding and peer-to-peer lending, including the best peer-to-peer lending in India, are two such strategies that have grown in popularity recently. Peer-to-peer lending has benefits like cheaper interest rates and simpler access to funds, but there are also drawbacks to take into account.   On the other hand, crowdfunding enables students to raise money through social media channels, but success is not always assured. In this article, we'll examine the benefits and drawbacks of these alternate educational finance strategies, such as peer-to-peer lending for student loans and crowdfunding for international education. Crowdfunding for education abroad  For students looking for alternative financing options to pay for their studies abroad, crowdfunding has grown in popularity. Using social media and online fundraising platforms, crowdfunding is asking a lot of people for money to support a certain cause, like studying abroad.  By the use of crowdfunding, students can design a unique fundraising campaign where they can communicate their motivations, objectives, and financial requirements with a larger audience. By the use of social media, students can rapidly and effectively solicit donations from friends, family, alumni, and other possible donors using this strategy.  One benefit of crowdfunding for international education is that it can be a successful approach to generating money without taking on debt. Crowdfunding campaigns, in contrast to traditional loans, do not need repayment, and the money received can be used to pay for a range of costs related to studying abroad, such as tuition, transport, lodging, and living costs.  It is crucial to remember that the success of crowdsourcing campaigns cannot be guaranteed, therefore students should carefully prepare their initiatives and establish sensible objectives. To ensure the success of their fundraising efforts, students should be ready to communicate with potential donors and aggressively publicize their campaigns.  In conclusion, crowdfunding can be a helpful source of finance for students who want to pursue an international education, but it should be combined with other funding options to guarantee that all costs are met.  Peer-to-peer lending for education abroad  Peer-to-peer lending (P2P lending) has become a different kind of funding for students who want to pay for their studies abroad. P2P lending platforms let borrowers engage with lenders one-on-one, bypassing traditional financial institutions and giving them access to lower interest rates.  P2P lending allows students to borrow money from private lenders for their international studies, frequently at interest rates lower than those of traditional student loans. Additionally, this kind of funding offers students more flexible loan repayment terms so they can adjust their loan repayments to their financial situation once they graduate.  P2P lending has a number of benefits, one of which is that it may rapidly and effectively give students access to money for their studies abroad. With loan approval and disbursement occurring in just a few days, the loan application process is often straightforward and efficient. P2P lending can also be a viable choice for students who may not have a good credit history because individual lenders might be more ready to offer loans based on other criteria, like academic performance and possible future earning ability. To make sure they are obtaining the best deal possible, it is crucial for students to thoroughly research and evaluate P2P lending sites and loan terms. Students should also be aware of any hazards related to peer-to-peer lending, such as the absence of governmental monitoring and the possibility of dishonest lenders.  In conclusion, peer-to-peer lending can be a helpful source of finance for students who want to pursue an international education, but it should be combined with other funding options to guarantee that all costs are met.  Microloans for education abroad  Another alternative financing choice for paying for education abroad is microloans. Microfinance institutions (MFIs) give people who would not have access to conventional forms of financing microloans, which are modest loans often between a few hundred and a few thousand dollars.  Students can get tiny loans through microloans for international education to pay for things like tuition, travel, and living costs while they're away from home. Students with low financial resources or those who might not be eligible for conventional student loans because of a lack of credit history or collateral may find these loans to be very helpful.  The ability to rapidly and easily receive microloans for international education is one of their key benefits. Students can now get money in only a few days thanks to the shortened loan application procedures implemented by many microfinance firms. Additionally, microloans frequently have interest rates lower than those of conventional loans, making them a desirable choice for students looking for inexpensive funding.  It is crucial to keep in mind that microloans are frequently only offered in small quantities, which could not be sufficient to pay for all of the costs related to studying abroad. Also, to make sure they are obtaining the best deal possible, students should carefully investigate and contrast microfinance organizations and loan conditions.  Overall, microloans can be a helpful source of finance for students who want to pursue an international education, but they should be combined with other funding options to guarantee that all costs are met.  Conclusion  Finally, while studying abroad might be a once-in-a-lifetime opportunity, it can also be very expensive. Fortunately, students who wish to study abroad but cannot afford to do so have a variety of different financing choices. Students have access to cash quickly and effectively through crowdfunding, peer-to-peer lending, and micro-loans, typically at interest rates that are lower than those of conventional student loans.  To find the one that best meets their needs, students should carefully investigate and analyze the available financing options. Each financing option has benefits and drawbacks. To make sure that all costs are paid, students can also investigate other financial options like grants, scholarships, and work-study opportunities. In the end, students can choose the best funding solution to enable them to fulfill their aspirations of studying abroad without racking up excessive debt with careful planning and research. 

Investing in equity has never been an easy task. It demands a lot of time and effort from your side to understand the company’s business, analyze the financials, develop the investment philosophy, and whatnot. So, you invest in mutual funds, giving your money to a professional fund manager who will manage and invest it in equity markets. But he is going to charge fees for his professional services, and there is no assurance that he will be able to generate a good return. Then you might ask if there is any way by which you can invest in equities where you will not be required to put the effort like a professional fund manager or pay hefty professional fees, and yet you can earn a decent return. The answer to this question is index funds. In this article, we will see an index fund, its benefits and limitations, how to invest in index funds in India, how to buy index funds in India, and some points about ETFs. What is an Index Fund? Index Fund is a mutual fund where the fund manager invests in stocks that are part of a particular index called the underlying index. Here, the fund manager does not use his professional skills but replicates the index with the objective of earning a return (before fees and expenses) that is commensurate with the return of the underlying index. Since the fund manager does not apply his professional skills and the fund is managed passively by just copying the index, the expense ratios of index funds are also very low. Hence, index funds are the best passive funds. https://www.youtube.com/shorts/78mX8bcNPcM Benefits of Index Funds Lower Fees: Since the fund manager is not required to manage the funds actively and invest by replicating the underlying index, index funds have lower expense ratios than actively managed funds. Zero Risk of Fund Management: The risk of the fund manager's decisions going wrong is eliminated because the fund manager mimics the underlying index. Easy to Invest: Index funds are easiest to invest in because it requires very little application of financial knowledge than actively managed funds. Diversification: Generally, indices are well diversified, and since index funds invest in stocks that form part of that index, you get the benefit of diversification automatically. Due to the benefits mentioned above, index funds are the best passive funds to invest in. Limitations of Index Funds The only considerable limitation of index funds is that you don’t make returns higher than the index; you can make the maximum that index has made but not more than that. How to invest in Index Funds in India? Once you have decided to invest in index funds, you can follow the following approach for investing in index funds. Selection of the appropriate underlying index: Based on the time horizon and your risk appetite, you must select an appropriate underlying index for your investments. Selection of appropriate index fund: Once you have chosen the underlying index appropriate for you, you have to select the index fund with the index that you have chosen as its underlying. With the help of the following factors, you can decide the best index fund to invest in. AUM: Consider the funds with the highest AUM because the higher the AUM, the more the chances of being better managed. Expense Ratio: Since there is no active management of funds, you should consider the funds that have the lowest expense ratio, so you incur lesser costs. Tracking Error: Tracking error measures the difference between the returns generated by the index fund and the underlying index. The lower the tracking error, the better it is, as you get returns like the underlying index as much as possible. How to buy Index Funds in India? After deciding to invest in index funds, you might have a question about how to buy index funds in India. Don't worry. The procedure to buy an index fund is simple and the same as the procedure for buying any other mutual fund. You can visit the official website of the mutual fund, complete the standard KYC procedure, and fill up the required information for buying the index funds. You can also invest in index funds in India using our EduFund App without paying any commission in a simple and hassle-free manner. What is an ETF? ETF is also an index fund. The only difference is ETFs are traded on stock exchanges like normal stocks. There are also ETFs based on commodities like gold, silver, etc. You can consider the parameters of liquidity and volume in addition to the approach given above to decide the best ETF to invest in India. You can also invest in the best ETFs in India through our EduFund App. https://www.youtube.com/shorts/ufTDh0aPOG8 Conclusion Index funds and ETFs are the best way to start investing, considering the benefits and limitations. However, time spent in the market is much more essential to create wealth. Hence, it would help if you focused more on staying invested for a longer duration than deciding which is the best index fund or the best ETF to invest in.  TALK TO AN EXPERT

ICICI Prudential Mutual Fund is the second-largest asset management company in India. With over Rs 5 Lakh crore, the AMC is among the most trusted names in the mutual fund space. The AMC offers products across asset classes. Let us talk about the flagship product – ICICI Prudential Small Cap Fund.  ICICI Prudential Small Cap Fund  Investment objective: The scheme's primary objective is to seek to generate capital appreciation by predominantly investing in equity and equity-related securities of small-cap stocks.  Investment Process: The Scheme will invest in 40-60 stocks which will be selected based on extensive research and screening. Some stock filters and parameters include Corporate Governance, Sector Opportunity, Leverage and RoE, Earnings potential, and Valuations, etc. Stocks selected for investment will be reviewed periodically.  Portfolio Composition:  As per its investment objective, the equity exposure is majorly in small-cap stocks at 61.97%. The funds are invested across all the sectors without any specific sector being given more importance. The top 5 sectors hold nearly 36% of the portfolio.  Note: Data as of 28th Feb. 2023. Source: ICICI Pru AMC  Top 5 Holdings for ICICI Prudential Small Cap Fund  Name Sector Weightage % Cyient Ltd. Technology 3.96 PVR Ltd. Services 3.77 Rolex Rings Ltd. Capital Goods 3.5 EPL Ltd. Materials 3.15 CCL Products (India) Ltd. Consumer Staples 3.14 Note: Data as of 28th Feb. 2023. Source: ICICI Pru AMC  Performance since inception  If you had invested 10,000 at the fund's inception, it would now be valued at Rs 52,020.  Note: Fund performance since launch; Inception Date – 23rd May 2008.  Source: icicipruamc.com  The fund has given consistent returns and has outperformed the benchmark by generating a CAGR (Compounded Annual Growth Rate) of 11.36% since inception.  Fund manager  The fund is ably managed by Harish Bihani, who has 11 years of experience and manages four funds.  Who should invest in the ICICI Prudential Small Cap Fund?  Investors who wish to benefit from the higher growth potential and re-rating scope of small companies could consider taking long-term exposure in this scheme.  Why invest in ICICI Prudential Small Cap Fund?  The scheme allows investors to participate in the price discovery of small-cap stocks, usually below their full potential.  The scheme provides access to well-researched small-cap companies with a higher return potential and could grow to become tomorrow's market leaders in their respective segments.   Time Horizon  One should look at investing for a minimum of five years or more.  Investment through a Systematic Investment Plan (SIP) may help tackle broader equity market volatility.  Conclusion  ICICI Prudential Small Cap Fund provides access to well-researched small-cap companies with a higher return potential and could grow to become tomorrow's market leaders in their respective segments. The fund has consistently outperformed its benchmark. Hence, investors seeking to invest for a long-term time horizon to generate high returns with higher risk can consider this fund.  Disclaimer: This is not recommendation advice. All information in this blog is for educational purposes only. 

HDFC Asset Management Company Ltd. (HDFC AMC) is one of the largest mutual fund companies in India. It is among one of the most profitable asset management companies (AMC) in the country. The company manages assets worth Rs. 4,48,493.89 crores as of 31st Dec. 2022. Let us talk about the consumer product – HDFC Top 100 Fund.  About the HDFC Top 100 Fund  Investment objective: To provide long-term capital appreciation/income by investing predominantly in large-cap companies.   Investment process:   The fund follows the investment style of a blend of growth at a reasonable price and value, wherein the stocks are selected using a bottom-up approach. The stocks are filtered based on factors such as Business Models, Management, Financial Metrics, Valuations, etc.  Portfolio composition:  HDFC Top 100 Fund holds significant exposure in large-cap equity at 94%, and only 6% is invested in mid-cap stocks. The significant sectoral exposure is Banks, which account for over one-fourth of the portfolio. The top five sectors hold more than 60% of the portfolio.  Note: Data as of 28th Feb. 2023. Source: HDFC Mutual Fund  Top 5 Holdings for HDFC Top 100 Fund Name Weightage % ICICI Bank Ltd. 8.97 HDFC Bank Ltd. 8.84 Reliance Industries Ltd. 6.34 Infosys Ltd. 6.13 HDFC Ltd. 5.58 Note: Data as of 28th Feb. 2023. Source: HDFC Mutual Fund  Performance: Fund name 1Y 3Y 5Y 7Y 10Y HDFC Top 100 Fund Direct-Growth (%) 5.86 28.16 11.58 14.04 13.82 S&P BSE 100 TRI -0.17 26.67 11.88 13.71 13.26 Data as of 21st Mar. 2023. Note: Returns over one year are annualized Source: Value Research Online  Fund Managers for HDFC Top 100 Fund  Mr. Rahul Baijal (Since 29th Jul. 2022) – Senior Fund Manager - Collectively over 21 years of experience in equity research and fund management.  Mr. Priya Rajan (Since 01st May 2022) – Senior Equity Analyst and Fund Manager for overseas Investments - Collectively over 15 years of experience.  Who should invest in HDFC Top 100 Fund?  Investors looking to invest in an equity portfolio without the very high risk and seeking better returns than the debt instruments can consider this fund. However, investors should remain invested long-term to witness wealth creation.  Why invest in this Fund?  Large-cap funds are relatively lesser risky than mid-cap and small-cap stocks. Since this fund invests most of its funds in large-cap stocks, the downside risk is comparatively less than the other actively managed funds.  Large-cap funds provide an excellent opportunity to generate high returns over the long term.  As per the data released by AMFI for Oct-Dec. 22 quarter, HDFC AMC is the third largest AMC in India.  This fund has consistently generated good returns and outperformed the S&P BSE 100 TRI.    Time Horizon  One should look at investing for a minimum of three years or more.  Investment through Systematic Investment Plan (SIP) may help in tackling the volatility of the broader equity market.  Conclusion  The HDFC Top 100 Fund is one of the oldest funds with a track record of over 25 years and has delivered over 18% CAGR since its launch. Thus, it is best for investors willing to take some additional risk for good returns over the long term. Disclaimer: This is not recommendation advice. All information in this blog is for educational purposes only. 

One of the largest AMCs in India, DSP has been helping investors make sound investment decisions responsibly and unemotionally for over 25 years. DSP is backed by the DSP Group, an almost 160-year-old Indian financial giant.  The family behind DSP has been very influential in the growth and professionalization of capital markets and the money management business in India over the last one-and-a-half centuries. https://www.youtube.com/shorts/35bgR0Abv4w Let us talk about the consumer product – DSP Small Cap Fund.  About the DSP Small Cap Fund  Investment objective: The primary investment objective is to seek to generate long-term capital appreciation from a portfolio substantially constituted of small-cap companies' equity and equity-related securities.  Investment process:  DSP Small Cap Fund invests in some of the smallest, fastest growing & innovative Indian companies.   It considers companies with strong business models in high-growth sectors and efficient management teams focused on utilizing resources wisely to unlock high-growth potential eventually.  Some of these companies could be just starting out and still in the early stages of proving their business plans- generally under-owned, under-researched & under-valued.  Portfolio composition:  The portfolio holds significant exposure in small-cap stocks at 86%, and major sectoral exposure is to Industrial Products, which account for roughly 14% of the portfolio. The top five sectors hold more than 50% of the portfolio.  Note: Data as of 28th Feb. 2023. Source: DSP MF  Top 5 Holdings for DSP Small Cap Fund Name Weightage % Cyient Limited 4.09 Suprajit Engineering Limited 3.66 Ratnamani Metals & Tubes Limited 3.56 Triveni Engineering & Industries Limited 3.29 K.P.R. Mill Limited 2.95 Note: Data as of 28th Feb. 2023. Source: DSP MF  Performance:  If you had invested 10,000 at the fund's inception, it would now be valued at Rs 1,09,789.   Note: Data as of 28th Feb. 2023. Source: DSP MF  Since its inception, the fund has generated a CAGR (Compounded Annual Growth Rate) of 16.46% Fund Manager  Vinit Sambre has been managing this fund since June 2010 as a Co-Fund Manager. Vinit joined DSPIM in July 2007 as Portfolio Analyst for the firm's Portfolio Management Services (PMS) division, which manages discretionary accounts and provides advisory services to institutional clients. As a research analyst, he focused on sectors like Pharmaceuticals, Power Utilities, Chemicals, Fertilizers, and Textiles. Vinit specializes in the small and mid-cap space and has over 16 years of relevant work experience. Vinit is a Chartered Accountant from the Institute of Chartered Accountants of India.  Resham Jain has been managing this fund since March 2018 as a Co-Fund Manager for the Equity portion. Resham joined DSP Investment Managers in March 2016 as Assistant Vice President of the Equity Income Team. He has over nine years of experience. Before joining DSP Investment Managers, he worked for B&K Securities (I) Private Limited, Jaihind Projects Ltd & Arvind Ltd.  Abhishek Ghosh has been managing this fund since March 2013 as a Co-Fund Manager. Abhishek has a total work experience of 14 years. Abhishek joined DSP investment managers in September 2018 as Assistant Vice President of the equity team. His prior experience includes working in Motilal Oswal, IDFC Securities, BNP Paribas, B&K securities, and Edelweiss Financial Services. He has an MBA in finance and holds a Bachelor's in Electronics Engineering.  Jay Kothari has been managing this fund since March 2013 as a Co-Fund Manager. Jay Kothari, Vice President & Product Strategist -Jay has been with DSP Investment Managers since May 2005 and has been with the Investment function since January 2011. Before joining DSPIM, Jay worked for Standard Chartered Bank for a year in the Priority Banking division. Jay completed his Bachelor of Management Studies (Finance & International Finance) from Mumbai University and an MBA in Finance from Mumbai University.  Who should invest in DSP Small Cap Fund?  Consider this fund if you  Are you looking to tactically allocate 10-15% of your portfolio to high-risk opportunities?  Understand that very high risk is involved in this category of funds in the quest for high returns.  Have the patience & mental resilience to remain invested for a decade or more.  Recognize market falls as good opportunities to invest more.  Why invest in this Fund?  This high-risk, high-return strategy offers the potential to 'earn big' returns.  It can help you beat the impact of rising prices over the long term.  It can be a suitable choice for tactical allocation.  Time Horizon  One should look at investing for at least ten years or even more.  Investment through Systematic Investment Plan (SIP) may help in tackling the volatility of the broader equity market.  Conclusion  The DSP Small Cap Fund has a proven track record of more than 15 years, where it has delivered a CAGR (Compounded Annual Growth Rate) of 16.6%. Thus, it is the best option for investors who are willing to take small-cap exposure with high risks for a long-term time horizon.   Disclaimer: This is not recommendation advice. All information in this blog is for educational purposes only. 

One of the largest AMCs in India, DSP has been helping investors make sound investment decisions responsibly and unemotionally for over 25 years. DSP is backed by the DSP Group, an almost 160-year-old Indian financial giant.  The family behind DSP has been very influential in the growth and professionalization of capital markets and the money management business in India over the last one-and-a-half centuries. Let us talk about the consumer product – DSP Value Fund.  About the DSP Value Fund  Investment Objective: The primary investment objective of the scheme is to seek to generate consistent returns by investing in equity and equity-related or fixed-income securities which are currently undervalued.  Investment Process   This fund is designed on fundamental value-investing principles & forms its portfolio through a carefully constructed framework.  It aims to invest in 'good' Indian & international companies at 'good', reasonable prices.  It aims to allocate up to 35% to global 'value' stocks via internationally renowned value managers like Berkshire Hathaway, Lindsell Train, Harding Loevner, Veritas, etc.  Portfolio Composition  The portfolio holds major large-cap stocks and global funds exposure at 36% and 26%, respectively. Significant sectoral exposure (apart from the mutual funds) is to Pharmaceuticals & Biotechnology, which account for roughly 10% of the portfolio.  Note: Data as of 28th Feb. 2023. Source: DSP MF  Top 5 Holdings of DSP Value Fund Name Weightage % Veritas Global Focus Fund 7.06 Berkshire Hathaway Inc - Class B 6.87 Harding Loevner Global Equity Fund 5.55 Lindsell Train Global Equity Fund 5.39 WCM GLOBAL EQUITY FUND 5.15 Note: Data as of 28th Feb. 2023. Source: DSP MF  Performance  If you had invested 10,000 at the fund's inception, it would now be valued at Rs 13,075.   Note: Data as of 28th Feb. 2023. Source: DSP MF  The fund was launched on 10th Dec. 2020. Since it has been only two years, investors must stay invested longer to see the fund outperform the index.  Fund manager  Aparna Karnik has been managing this fund since May 2022. Aparna Karnik is Head-Quantitative Investments and Analytics (QIA). Aparna has 17 years of experience in investment, credit and operations risk management. Before joining DSP, she worked with CRISIL Ratings in their Structured Finance Division, Large Corporates Group.  She holds a Masters's in Management Studies from Jamnalal Bajaj Institute of Management Studies.  Prateek Nigudkar has been managing this fund since May 2022. Prateek Nigudkar is a Quantitative researcher at DSP Investment Managers Pvt. Ltd. (DSPIM). Before joining DSPIM, Prateek headed a team of Quantitative analysts in the Equity Smart-Beta team for State Street Global Advisors (SSGA) in India. Prateek holds a Master's in Quantitative Finance from the University of Washington and is FRM certified. He has also cleared all three levels of the CFA examination from the CFA Institute.  Jay Kothari has been managing this fund since December 2020. Jay Kothari, Vice President & Product Strategist -Jay has been with DSP Investment Managers since May 2005 and has been with the Investment function since January 2011. Before joining DSPIM, Jay worked for Standard Chartered Bank for a year in the Priority Banking division. Jay completed his Bachelor of Management Studies (Finance & International Finance) from Mumbai University and an MBA in Finance from Mumbai University.  Who should invest in DSP Small Cap Fund?  Consider this fund if you  Are a first-timer or a relatively new equity market investor?  Have the patience & mental resilience to remain invested for a decade or more.  Recognize market falls as good opportunities to invest even more.  Accept that equity investing means exposure to risk.  Do not chase the highest possible returns at all times.  Why invest in this Fund?  Offers the potential to earn relatively risk-free, stable returns higher than those from pure fixed-income investments.  Get the benefit of equity taxation despite the low-risk orientation.  Time Horizon  One should look at investing for at least ten years or even more.  Investment through Systematic Investment Plan (SIP) may help in tackling the volatility of the broader equity market.  Conclusion  The DSP Value Fund is a good option for those who believe in the principles of value investing. Investors investing in this fund should remain invested long to reap the benefits of compounding.   Disclaimer: This is not recommendation advice. All information in this blog is for educational purposes only. 

In the previous article, we discussed taxation in mutual funds. In this article, we will discuss the types of risks associated with mutual funds. Mutual funds are excellent investment options for both novice and seasoned investors; they are currently a very popular investment option due to their capacity to provide inflation-beating returns.   Mutual funds combine money from a range of individuals and institutions and invest in various asset classes such as shares, debt, and other money market instruments after conducting thorough research to maximize capital appreciation or income generation.  The investors are subject to risks like volatility risk, management risk, liquidity risk, interest rate risk, and inflation risk. We shall now discuss all such risks that come up with an investment in mutual fund schemes; a sound knowledge of these is helpful to an investor in making the investments.  There are two types of mutual funds: equity mutual funds and debt mutual funds. Risks associated with mutual funds There are major two types of risks associated with mutual funds that the article will discuss such as risks associated with equity mutual funds and risks associated with debt funds. 1. Management risk A company's management refers to the group steering the organization on the right path.   Changes in the management team and their activities, such as pledging shares, decreasing or increasing promoter stakes, and so on, can impact the price of a company's stock.   While principles such as solid corporate governance and high transparency benefit a company's stock, mismanagement, team conflicts, and other factors depress the stock price and thereby affect your mutual fund investments as well if that particular stock is a part of your investment.  2. Liquidity risk When it comes to equity investments, long-term investing has the best possibility of securing investment profitability.   Thus, it is difficult for equity mutual funds to quickly buy or sell stock investments to profit or minimize a loss leading to a situation where the scheme's liquidity is insufficient to meet investors' redemption requests.   A liquidity crisis like this is most prevalent when investors make a high number of redemption requests due to prolonged bad market inequities.   Many equity funds invest a small amount of their capital in debt and money market instruments to mitigate this risk and ensure more substantial returns.  3. Volatility risk An equity mutual fund invests mainly in the stocks of publicly traded corporations.   As a result, an equity fund's value is in line with the performance of the companies in whose stocks it has invested. Current macroeconomic conditions have an impact on the company's performance.   Government, Sebi, and RBI policies, consumer preferences, the economic cycle, and other macroeconomic changes are all examples of factors that directly impact the price of company stock, either positively or negatively.   The value of an equity fund is affected by this movement. Large-cap corporations, on average, are less prone to such volatility than mid-cap and small-cap market enterprises.   Similarly, when compared to thematic or sectoral equity, funds are diversified. Equity funds are less likely to be influenced by such volatility. Risks associated with debt funds 1. Inflation risk Bonds and money market instruments are fixed-rate instruments because their coupon rates are fixed. As a result, rising inflation erodes the coupon rate-based revenues that the debt fund aims to receive.   As a result, rising inflation causes bonds to trade at a lower price on the bond markets, lowering their potential returns for the debt funds investors. On the other hand, lower inflation tends to push bond prices and debt fund investment values higher.  2. Credit risk Government securities, corporate bonds, certificates of deposits, commercial papers and other debt and money market instruments are among the items that debt funds invest in.   Credit ratings such as AAA, AA+, AA, AA- and so on are offered by credit rating agencies such as CRISIL, ICRA, and Fitch they evaluate the credit quality of these investments, which vary depending upon the issuer.   A specific risk is that the borrower fails; they do not pay the principal and/or interest on the loan.  3. Interest rate risk A risk linked with debt funds is interest rate risk. Bonds are exchanged in the same way as stocks, and their prices fluctuate.   The economies' interest rates mainly influence the movement in bond prices; the link between interest rates and bond prices is the opposite. As a result, as the economies' interest rate rises, the values of current bonds fall since they continue to offer the same interest rate.   Interest rate risk refers to price variation in bonds caused by changes in interest rates it is a market-wide element that influences bond prices and, as a result, the value of all debt mutual funds.   The degree of interest rate sensitivity varies by debt fund type and is shown by the adjusted duration of the debt fund.   In general, debt funds that invest in shorter-term assets are less vulnerable to interest rate risk than those that invest in longer-term products.  With regard to the above-mentioned risks, it is vital to note that while mutual fund performance is always subject to numerous risks, every fund house employs a variety of tactics to reduce, if not eliminate, these well-known dangers.   As a result, even if your investment gains are not guaranteed, your chances of developing your wealth are good if you invest with a well-known fund house, choose a fund with an established track record, and make the investment with a long-term horizon. FAQs What are the three main risks associated with mutual funds? The three main risks associated with mutual funds are: Management risk Liquidity risk Volatility risk Do mutual funds have high risk? All mutual funds are risky. Its terms and conditions specify that mutual funds are volatile in nature and are subject to market ups and downs. There are different levels of risk involved in mutual funds. What is the biggest risk for mutual funds? The biggest risk for mutual funds is inflation. Inflation affects different types of funds differently. Rising inflation causes bonds to trade at a lower price on the bond markets, lowering their potential returns for debt fund investors. On the other hand, lower inflation tends to push bond prices and debt fund investment values higher. Consult an expert advisor to get the right plan for you TALK TO AN EXPERT

UTI is one of the pioneers of the Indian Mutual Fund Industry. With over Rs 2.4 Lakh crore, the AMC is one of the most trusted names in the mutual fund space. The UTI Mutual Fund offers products across asset classes. Let us talk about the flagship product – UTI Dividend Yield Fund.  UTI Dividend Yield Fund  Investment Objective: The objective of the scheme is to generate long-term capital appreciation and income by investing predominantly in dividend-yielding equity and equity-related securities. However, there can be no assurance or guarantee that the investment objective of the scheme would be achieved.  Investment Process:    The UTI Dividend Yield Fund would follow a bottom-up approach for stock picking following a value investment style and maintaining a well-diversified portfolio. By virtue, the fund tends to be less aggressive (less risky) than other types of funds, such as growth stock mutual funds.  Portfolio Composition  The portfolio holds the major exposure in large-cap stocks at 69% and sectoral major exposure is to Information Technology, which accounts for roughly one-fourth of the portfolio. The top 5 sectors hold more than 70% of the portfolio.  Note: Data as of 28th Feb. 2023. Source: UTIMF  Top 5 Holdings in UTI Dividend Yield Name Sector Weightage % Infosys Ltd. Information Technology 8.01 ITC Ltd. Consumer Goods 6.49 NTPC Ltd. Power 6.06 Tech Mahindra Ltd. Information Technology 5.43 Mphasis Ltd. Information Technology 4.38 Note: Data as of 28th Feb. 2023. Source: UTIMF  Performance Since Inception  If you had invested 10,000 at the time of inception of the fund, it would be now valued at Rs. 1,02,531, whereas the benchmark (Nifty 500 TRI) would have fetched you Rs1,06,452. Note: Performance of the fund since launch; Inception Date – 03rd May 2005 Source: utimf.com   The fund has underperformed against the benchmark. Investors have to be invested for a longer investment horizon to see the fund outperforming the benchmark.  Fund Manager  The fund is ably managed by Mr. Amit Premchandani. Mr. Amit Premchandani is Senior Vice President & Fund Manager - Equity. He holds a PGDM from IIM Indore and a CFA charter from CFA Institute, USA. He has completed a CA from ICAI. He graduated with a Bachelor of Commerce in 2001 from Heramba Chandra College, Kolkata. Amit joined UTI AMC in 2009 as a Senior Research Analyst and has covered Banks, NBFCs, telecom, and cement in his research role. In addition, he took up portfolio responsibilities in June 2014. He has over 13 years of experience.   Who should invest?  Investors looking to  Supplement their core equity portfolio with a differentiated portfolio strategy  Increase their equity allocation with the intention of relative downside protection  A twin benefit of capital appreciation as well as dividend yield Investment Horizon  Why Invest?  The Fund endeavor to benefit from investing primarily in dividend-yielding equity shares at the time of investment.  The advantage of a portfolio with a 'value' style is that it provides a significant upside potential when a revival results in value unlocking.  Dividend-yielding stocks tend to have higher downside protection. Being rich in cash generations from their business result in a fair amount of stability and tend to be less aggressive (less risky) than other types of funds, such as style-based or market cap-based funds.   Probable twin benefit of capital appreciation and dividend yield from the fund.  Horizon  Ideal for investment with a time horizon of, preferably, five years or above   Investment through Systematic Investment Plan (SIP) may help in tackling the volatility of the broader equity market.  Conclusion The UTI Dividend Yield Fund has delivered consistent returns in the long run. Investors looking for relatively less risky funds with consistent dividends and capital appreciation returns can consider this fund.  Disclaimer: This is not recommendation advice. All information in this blog is for educational purposes only. 

Investing money for monthly income can be a great way to generate a steady stream of cash flow. However, it is important to carefully consider your options and create a diversified portfolio that meets your income needs and risk tolerance. If you have saved up to 25 lakhs and are ready to invest it, it is the best way of earning a passive income, as it can be a great way to earn extra money without having to put in a lot of work. Investment can be the best and easiest way to earn money if done properly. Tips on how to invest INR 25 lakhs for monthly income 1. Understand your income needs Before investing, it's important to have a clear understanding of your income needs. Consider your monthly expenses, your long-term financial goals, and any other sources of income you may have. This will help you determine how much income you need each month and what type of investments to consider. 2. Consider fixed-income options Now, addressing the concern of where to invest 25 lakhs for monthly income, there are a few options. Fixed-income investments like fixed deposits and debt mutual funds can offer a steady stream of income. These investments provide a fixed rate of return and can be a good option for conservative investors who want a predictable source of income. However, keep in mind that fixed-income investments may not offer high returns and may be subject to inflation risk. 3. Invest in dividend-paying stocks Dividend-paying stocks can provide a steady source of income through regular dividends. These stocks are typically issued by stable, established companies that have a history of giving out dividends. Investing in dividend-paying stocks can be a good option for investors who want to generate income and also participate in the potential for capital appreciation. Consider investing in a diversified portfolio of dividend-paying stocks to minimize risk. Types of Investment available in India Read More 4. Consider rental property Investing in rental property can be a good option for a stable monthly income. Rental income can provide a steady source of cash flow, and the property may appreciate in value over time. However, investing in rental property requires a significant amount of capital and comes with additional risks like property management and tenant turnover. Hence, so be sure to do your research and work with a professional to ensure that your investments are successful. 5. Bonds as an investment  Bonds are another popular option for generating monthly income. When you buy a bond, you are essentially lending money to the issuer in exchange for regular interest payments. You can invest in individual bonds or in bond funds, which are mutual funds that invest in a variety of different bonds. Keep in mind that bonds are subject to interest rate risk, so their value may fluctuate based on changes in interest rates. Why investing is important? Read More 6. Invest in mutual funds Mutual funds that invest in a combination of equity and debt securities can be a good option for generating monthly income. These funds provide diversification and can offer a balance between income and growth potential. Look for income-oriented mutual funds and a systematic withdrawal plan. Consider investing in hybrid mutual funds or monthly income plans that are designed to provide regular income. Diversify your investments and reinvest dividends and capital gains. Start Investing in Mutual Funds 7. Invest in annuities An annuity is a contract between you and an insurance company that provides a guaranteed stream of income over a set period. There are different types of annuities, but fixed annuities can be a good option for generating monthly income. With a fixed annuity, you pay a lump sum upfront, and the insurance company guarantees a fixed rate of return for a period of time. 8. Consult a financial advisor Investing Rs. 25 lakhs for monthly income requires careful planning and consideration. It's a good idea to consult a financial advisor who can help you create a diversified portfolio that meets your income needs and risk tolerance. A financial advisor can also provide guidance on tax-efficient investment strategies and help you create a comprehensive financial plan. Our team at EduFund has efficient financial advisors constantly available for your help and advice, whether it is about how to invest 25 lakhs for monthly income in India or any other financial concerns you may have. Conclusion  In summary, there are different ways to invest money for monthly income, but investing Rs. 25 lakhs for monthly income requires careful consideration and planning. Consider fixed-income options, dividend-paying stocks, rental property, and mutual funds, and consult a financial advisor to create a diversified portfolio that meets your income needs and risk tolerance. With smart investment decisions, you can generate a steady stream of monthly income and achieve your long-term financial goals. And for any issue regarding these investments, our team of financial advisors is just a call away.

ICICI Prudential Mutual Fund is the second-largest asset management company in India. With over Rs 5 Lakh crore, the AMC is among the most trusted names in the mutual fund space. The AMF offers products across asset classes. Let us talk about the flagship product – ICICI Prudential Bluechip Fund.  ICICI Prudential Bluechip Fund Investment Objective To generate long-term capital appreciation and income distribution to investors from a portfolio predominantly invested in equity and equity-related securities of large-cap companies.  Investment Process   The scheme aims to maintain a minimum exposure of 80% towards equity and equity-related instruments of large-cap companies, selected based on a bottom-up approach focusing on long-term wealth creation.  Portfolio Composition  As per its investment objective, the equity exposure is majorly in large-cap stocks at 91.35%. Significant sectoral exposure is to banks that account for roughly one-fourth of the portfolio. The top 5 sectors hold nearly 58% of the portfolio.  Note: Data as of 28th Feb 2023. Source: ICICI Pru AMC  Top 5 Holdings for ICICI Prudential Bluechip Fund Name Sector Weightage % ICICI Bank Ltd Financial Services 9.34 Reliance Industries Conglomerate 8.02 HDFC Bank Ltd Financial Services 7.08 Infosys Ltd. Information Technology 6.65 Larsen & Tubro Ltd. Construction 6.55 Note: Data as of 28th Feb. 2023. Source: ICICI Pru AMC  Performance over 16 years  If you had invested 10,000 at the fund's inception, it would now be valued at Rs 66,660.  Note: Fund performance since launch; Inception Date – 23rd May 2008.  Source: icicipruamc.com  The fund has given consistent returns and has outperformed the benchmark over 15 years by generating a CAGR (Compounded Annual Growth Rate) of 13.77%. Fund Manager  The fund is ably managed by   Anish Tawakley – Managing this fund since Sep. 2018 & has overall 26 years of experience.  Vaibhav Dusad - Managing this fund since Jan. 2021 & has an overall nine years of experience  Who should invest?  The scheme is suitable for investors who wish to invest in large-cap stocks   That is relatively less volatile than other stocks,  Have a well-proven track record and solid fundamentals, and can deliver consistent long-term returns.  Why invest?  The scheme provides diversification to investors who wish to park their funds across various themes and sectors.  The benchmark sector-neutral approach gives investors confidence that the funds parked are invested in line with the benchmark.  Horizon  One should look at investing for a minimum of five years or more.  Investment through Systematic Investment Plan (SIP) may help tackle broader equity market volatility.  Conclusion  The fund has consistently outperformed its benchmark. Also, since it is a large-cap fund, it has the potential for capital appreciation with less volatility than small-cap and mid-cap funds. Hence, investors seeking to invest for a long-term time horizon intend to generate good returns with relatively lesser risk.  Disclaimer:This is not recommendation advice. All information in this blog is for educational purposes only. 

UTI is one of the pioneers of the Indian Mutual Fund Industry. With over Rs 2.4 Lakh crore, the AMC is one of the most trusted names in the mutual fund space. The UTI Mutual Fund offers products across asset classes. Let us talk about the flagship product – UTI Infrastructure Fund. About UTI Infrastructure Fund  Investment objective: The investment objective of the Scheme is to provide long-term capital appreciation by investing predominantly in equity and equity-related securities of companies engaged either directly or indirectly in the infrastructure areas of the Indian economy. However, there can be no assurance or guarantee that the investment objective of the Scheme will be achieved.  Investment process:   The fund would predominantly invest in stocks of companies engaged either directly or indirectly in the infrastructure areas of the Indian economy: The infrastructure sector is a crucial driver of the economy, playing an essential role in propelling India's overall development. The fund emphasizes a bottom-up strategy for stock selection and is positioned to profit from the early revival in the investment cycle. The fund would be agnostic to market capitalization. However, it may take concentrated exposure to certain stocks or sectors.   Portfolio composition  The portfolio holds significant exposure in large-cap stocks at 64%, and major sectoral exposure is to Construction and Capital Goods that combinedly account for roughly one-third of the portfolio. The top 5 sectors hold more than 63% of the portfolio. Note: Data as of 28th Feb. 2023. Source: UTIMF   Top 5 Holdings for UTI Infrastructure Fund  Name Sector Weightage % Larsen & Toubro Ltd. Construction 9.94 Bharti Airtel Ltd. Telecom 9.27 NTPC Ltd. Power 5.97 Ultratech Cement Ltd. Construction Materials 5.93 Reliance Industries Ltd. Oil, Gas & Consumable Fuels 4.82 Note: Data as of 28th Feb. 2023. Source: UTIMF  Performance since inception  If you had invested 10,000 at the time of the fund's inception, it would now be valued at Rs. 89,192, whereas the benchmark (Nifty Infrastructure TRI) would have fetched you only Rs 54,474.  Note: Performance of the fund since launch; Inception Date – 07th Apr. 2004 Source: utimf.com  The fund has consistently outperformed the benchmark and generated significant alpha. Investors must remain invested for a longer horizon to see the fund outperforming the benchmark.  https://www.youtube.com/shorts/YmYLCMZp5CA Fund Manager  Mr. Sachin Trivedi ably manages the fund. Mr. Sachin Trivedi is Senior Vice President and designated Head of Research & Fund Manager, Equity at UTI AMC Ltd. He is a B.com graduate from Narsee Monjee College of Commerce, Mumbai. He holds a post-graduate degree in management (MMS) from the K. J. Somaiya Institute of Management Studies &; Research, Mumbai University. He also holds a CFA charter since 2004 conferred on him by the CFA Institute, USA. He began his career in June 2001 with UTI. Sachin has 16 years of experience in research and portfolio management. In research, he has specialized in Auto OEM, Utilities, Capital Goods, and Logistics.  Who should invest?  Investors looking to  Invest in a fund following a theme of investing in stocks of companies engaged directly or indirectly in the infrastructure areas of the Indian economy.  Have a tactical allocation to their overall equity portfolio  Increase the risk spectrum of their portfolio with exposure to a thematic portfolio philosophy  Why invest?  Increasing spending on Infrastructure by Govt. of India would potentially drive the infrastructure sector to outperform broader indices in the medium to long term.  The fund provides risk diversification through investments in several stocks of the same sector in a cost-effective manner.  Horizon  Ideal for investment with a time horizon of, preferably, five years or above   Investment through Systematic Investment Plan (SIP) may help in tackling the volatility of the broader equity market.  Conclusion  The UTI Infrastructure Fund is ideal for a tactical allocation, with relatively better return potential than the diversified equity funds. This fund is best if you are bullish on infrastructure themes and ready to take high risks.  DisclaimerThis is not recommendation advice. All information in this blog is for educational purposes only.

HDFC Mutual Fund, also called HDFC AMC, is one of India's largest and most profitable mutual fund houses. The company is a part of the Housing Development Finance Corporation or HDFC Group, a financial conglomerate with established businesses in housing finance, asset management, life and non-life insurance, education finance, and real estate funds.  As of December 2020, HDFC AMC's Quarterly Asset Under Management or QAAUM of INR 389466.56 crore is the highest among 41 mutual fund houses operating in the country. HDFC AMC became a publicly listed company and has been listed on the National Stock Exchange and Bombay Stock Exchange since August 2018. Presently, the promoters hold a 73.92% stake in the company (HDFC Ltd. - 52.7% and Standard Life Investments Limited - 21.2%), followed by FII (9.11%), DII (5.62%), and public (11.34%). HDFC AMC's Quarter-on-Quarter (QoQ) profit for December 2020 has soared to INR 369.26 crore from 338.06 crores, and its basic Earnings Per Share (EPS) grew to 17.34 in December 2020 as against 15.88 in the previous quarter. Its profit before tax was INR 1,653.05 crore in March 2020, as compared to 1,374.70 crore in March 2019. HDFC AMC's EPS has grown consistently. For example, the basic EPS was 23.64 in 2016, which grew to 27.33 in 2017, 34.52 in 2018, 43.87 in 2018, and 59.37 in 2019. As of 12th April 2021, the AMC had a market capitalization of INR 60,579 crore (Source - moneycontrol.com).  HDFC AMC offers a wide range of investment and savings products and has a considerable retail and institutional investor base. Presently, it has more than 9 million active accounts, and its equity mutual funds are some of the best you can get in India. Data published by the fund house indicates that more than one in four investors choose an HDFC mutual fund for investing. For over 25 years, HDFC mutual fund has been a consistent performer with a demonstrable track record of wealth creation and client management. Its core investment team consists of thirty (30) members who have proven expertise in capital markets, bonds, and commodity markets. Besides retail investor services, HDFC AMC also offers (non)discretionary and advisory services to HNIs or High Net Worth Individuals, Hindu Undivided Families (HUFs), domestic and international corporate houses, trusts, and domestic and international financial institutions. HDFC AMC manages a total of 101 funds across several categories like Arbitrage, Banking, and PSU, etc. Important information about HDFC mutual fund Name of the AMCHDFC Asset Management Company Ltd.Incorporation DateDec-10-1999SponsorsHousing Development Finance Corporation Ltd. and Standard Life Investments Ltd.TrusteeHDFC Trustee Company LimitedTrustees' NameMr Vimal Bhandari, ChairmanMr V. Srinivasa Rangan, DirectorMr Mehernosh Kapadia, Independent DirectorMr Dindayal Jalan, Independent DirectorMD/CEOMr Milind BarveCIOMr Prashant JainCompliance OfficerMr Yezdi KhariwalaInvestor Service OfficerMr John MathewRegistrar and Transfer agentKFin Technologies Private Limited (Formerly known as Karvy Fintech Private Ltd)Unit: HDFC Asset Management Company Limited (ISIN: INE127D01025)Karvy Selenium Tower B, Plot No 31 & 32 Gachibowli, Financial District,Nanakramguda, Serilingampally Hyderabad – 500 032.Contact Person: Mr Ragesh Raghavan/Suman KonijetiTelephone: 040 67162222, Toll-free No.18003454001E-mail: einward.ris@kfintech.comToll-free Number 1800 3010 6767 / 1800 419 7676Email Addresscliser@hdfcfund.comRegistered AddressHDFC Asset Management Company LimitedCIN: L65991MH1999PLC123027Registered Address: “HDFC House”, 2nd Floor,H. T. Parekh Marg, 165-166, Backbay Reclamation,Churchgate, Mumbai – 400020. Ten top-performing HDFC mutual fund schemes  HDFC has mutual funds in almost all categories permitted by the Securities and Exchange Board of India or SEBI. Here is a list of the ten best-performing HDFC mutual fund schemes in India. 1. HDFC Small Cap Fund (Category - Equity: Small Cap) The HDFC Small Cap fund, with a NAV of 52.8330 (Regular Growth) (as on 12th April, 2021), is the top-performing fund in the 'Equity: Small Cap' category. This open-ended fund was launched on 3rd April 2008 and has given trailing returns of 103.22% in one year (as on 9th April 2021). The fund considers the NIFTY Smallcap 100 TRI as its benchmark.  Key information Minimum InvestmentINR 5,000Minimum Additional Investment INR 1,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit Load1% for redemption within 365 days; Nil for redemption after 365 daysReturn Since Inception (3rd April 2008):14.04% (as of 9th April 2021)AssetsINR 10,050 Crore (as of 31st March 2021)Expense Ratio1.80% (as of 28th February 2021) 2. HDFC Mid-Cap Opportunities Fund (Category - Equity: Mid Cap) The HDFC Mid-Cap Opportunities Fund was launched on 25th June 2007 and has given gravity-defying returns year after year.  In the one-year period ending on 9th April 2021, the fund has given trailing returns of 83.71%. The fund is open-ended and treats the NIFTY Midcap 100 TRI as its benchmark.  As on 12th April 2021, the NAV of this fund is hovering around 71.6680 (Regular Growth). Key information Minimum InvestmentINR 5,000Minimum Additional Investment INR 1,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit Load1% for redemption within 365 days; Nil for redemption after 365 daysReturn Since Inception (25th June, 2007):15.72% (as on 9th April, 2021)AssetsINR 26,471 Crore (as on 31st March, 2021)Expense Ratio1.79% (as on 28th February, 2021) 3. HDFC Retirement Savings Fund Equity Plan (Equity: Flexi Cap) HDFC Retirement Savings Fund Equity Plan has been consistently generating decent returns for its investors. This fund was launched on 25th February 2016 and considers the NIFTY 500 TRI as its benchmark. However, this fund has a lock-in period of five (5) years. In the one-year period ending on 9th April 2021, the fund has given trailing returns of 71.12%. As on 12th April 2021, the NAV of this fund is 21.7960 (Regular Growth). Key information Minimum InvestmentINR 5,000Minimum Additional Investment INR 1,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit LoadNoneReturn Since Inception (25th February 2016):17.38% (as on 9th April, 2021)AssetsINR 1,392 Crore (as on 31st March, 2021)Expense Ratio2.38% (as on 28th February, 2021) 4. HDFC Growth Opportunities Fund (Category - Equity: Large & Midcap) The HDFC Growth Opportunities fund was launched on 18th February 1994 and has been a popular fund ever since. The fund is open-ended and treats the NIFTY Large Midcap 250 TRI as its benchmark.  In the one-year period ending on 9th April 2021, the fund has given trailing returns of 73.70%. As of 12th April 2021, the NAV of this fund is 141.2650 (Regular Growth). Key information Minimum InvestmentINR 5,000Minimum Additional Investment INR 1,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit Load1% for redemption within 365 days; Nil for redemption after 365 daysReturn Since Inception (18th February 1994):11.65% (as of 9th April 2021)AssetsINR 2,014 Crore (as of 31st March 2021)Expense Ratio2.54% (as of 28th February 2021) 5. HDFC Top 100 Fund (Category - Equity: Large Cap) The HDFC Top 100 fund was launched on 11th October 1996 and considers the NIFTY 100 TRI its benchmark. The fund invests primarily in large-cap stocks with huge growth potential.  In the one-year period ending on 9th April 2021, the fund has given trailing returns of 58.87%. As of 12th April 2021, the NAV of this fund is 551.9530 (Regular Growth). Key information Minimum InvestmentINR 5,000Minimum Additional Investment INR 1,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit Load1% for redemption within 365 days; Nil for redemption after 365 daysReturn Since Inception (11th October 1996):18.99% (as of 9th April 2021)AssetsINR 18,660 Crore (as of 31st March 2021)Expense Ratio1.85% (as of 28th February 2021) 6. HDFC Balanced Advantage Fund (Category - Hybrid: Dynamic Asset Allocation) If your investment horizon is five years or more, the HDFC Balanced Advantage Fund can be your best bet. The fund was launched on 1st February 2004, and it treats the NIFTY 50 Hybrid Composite Debt 65:35 as its benchmark.  In the one-year period ending on 9th April 2021, the fund has given trailing returns of 51.83%. As of 12th April 2021, the NAV of this fund is 227.9330 (Regular Growth). Key information Minimum Investment Minimum Additional Investment INR 1,000INR 5,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit LoadIf the units you wish to redeem are more than 15% of the total investment amount, a 1% exit load will be levied for redemption within 365 days; Nil for redemption after 365 daysReturn Since Inception (1st February 2004):17.87% (as of 9th April 2021)AssetsINR 39,784 Crore (as of 31st March 2021)Expense Ratio1.60% (as of 28th February 2021) 7. HDFC Hybrid Equity Fund (Category - Hybrid: Aggressive Hybrid) The HDFC Hybrid Equity Fund is open-ended and considers NIFTY 50 Hybrid Composite Debt 65:35 as its benchmark. It invests up to 65% of your investments in equities, whereas the remaining 35% is invested in bonds. The fund was launched on 11th September 2000. In the one-year period ending on 9th April 2021, the fund has given trailing returns of 54.29%. As of 12th April 2021, the NAV of this fund is 65.3500 (Regular Growth). Key information Minimum InvestmentINR 5,000Minimum Additional Investment INR 1,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit LoadIf the units you wish to redeem are more than 15% of the total investment amount, a 1% exit load will be levied for redemption within 365 days; Nil for redemption after 365 daysReturn Since Inception (11th September 2000):15.49% (as of 9th April 2021)AssetsINR 17,309 Crore (as of 31st March 2021)Expense Ratio1.79% (as of 28th February, 2021) 8. HDFC Dynamic PE Ratio Fund of Funds (Category - Hybrid: Multi Asset Allocation) The HDFC Dynamic PE Ratio Fund of funds is the best-performing fund in the 'Hybrid: MAA' category. The open-ended fund was launched on 6th February 2012 and considers the NIFTY 50 Hybrid Composite Debt 65:35 as its benchmark.  In the one-year period ending on 9th April 2021, the fund has given trailing returns of 43.35%. As of 12th April 2021, the NAV of this fund is 22.7714 (Regular Growth). Key information Minimum InvestmentINR 5,000Minimum Additional Investment INR 1,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit Load1% for redemption within 365 days; Nil for redemption after 365 daysReturn Since Inception (6th February, 2012):9.63% (as on 9th April, 2021)AssetsINR 20 Crore (as on 31st March, 2021)Expense Ratio1.00% (as on 28th February, 2021) 9. HDFC Equity Savings Fund (Category - Hybrid: Equity Savings) If you want to get the best of equity, bonds, and arbitrage opportunities, the HDFC Equity Savings fund is all you need. It is an open-ended scheme that was launched on 17th September 2004. This fund considers the NIFTY 50 Arbitrage TRI, NIFTY 50 TRI, and CRISIL Short-Term Bond TRI as its benchmark.  In the one-year period ending on 9th April 2021, the fund has given trailing returns of 27.88%. As of 12th April 2021, the NAV of this fund is 42.2360 (Regular Growth). Key information Minimum InvestmentINR 5,000Minimum Additional Investment INR 1,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit LoadIf the units you wish to redeem is more than 15% of the total investment amount, a 1% exit load will be levied for redemption within 365 days; Nil for redemption after 365 daysReturn Since Inception (17th September 2004):9.20% (as of 9th April 2021)AssetsINR 2,332 Crore (as of 31st March, 2021)Expense Ratio2.11% (as of 28th February 2021) 10. HDFC Hybrid Debt Fund (Category - Hybrid: Conservative Hybrid) The HDFC Hybrid Debt Fund is the top-performing fund in the conservative hybrid category. This fund invests no more than one-third of your investment amount in equities and no more than two-thirds of your investment amount in debt. The fund was launched on 26th December 2003 and considers the NIFTY 50 Hybrid Composite Debt 15:85 as its benchmark. In the one-year period ending on 9th April 2021, the fund has given trailing returns of 22.11%. As of 12th April 2021, the NAV of this fund is 53.6965 (Regular Growth). Key information Minimum InvestmentINR 5,000Minimum Additional Investment INR 1,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit LoadIf the units you wish to redeem is more than 15% of the total investment amount, a 1% exit load will be levied for redemption within 365 days; Nil for redemption after 365 daysReturn Since Inception (26th December 2003):10.27% (as of 9th April 2021)AssetsINR 2,434 Crore (as of 31st March 2021)Expense Ratio1.89% (as of 28th February 2021)(As of 02/04/2021) How can you invest in the HDFC mutual fund via EduFund? Investing in HDFC mutual funds via Edufund is a simple, six-step process.  Step 1 - Download the EduFund App from Google Play Store or Apple App Store and create an online account. Step 2 -  Select a Scheme - Browse a wide range of HDFC mutual fund schemes and choose the right scheme suiting your financial goals. You may invest in a Systematic Investment Plan (SIP) or a lump sum. The inbuilt recommendation engine suggests the best scheme for your financial objectives. Step 3 - View and Track Your Transaction(s) - The amount you have invested will reflect in your EduFund account within four working days. You can track the HDFC mutual fund NAV, account balance, statement, and other information in the app. Alternatively, you can purchase, redeem, or switch HDFC mutual fund units. Step 4 - Speak With a Mutual Fund Counsellor - You can connect with a mutual fund consultant to share your goals and get personalized advice.  EduFund uses top-class authentication and encryption technologies to ensure bank-like secured transactions and safeguard your investments.   Seven best-performing fund managers at HDFC mutual fund The fund manager plays a prominent role in driving value and generating growth. The following are the seven best-performing fund managers in HDFC AMC whose funds have consistently churned out the best returns.  1. Mr. Chirag Setalvad Mr. Chirag Setalvad is a senior fund manager in HDFC mutual fund. He joined the AMC in 2007. He has extensive experience in fund management, equity research, and investment banking. Mr. Setalvad manages top-performing HDFC mutual fund schemes like HDFC Small Cap Fund, HDFC Mid-Cap Opportunities Fund, HDFC Hybrid Equity Fund, and HDFC Long Term Advantage Fund.  2. Mr. Prashant Jain Mr. Prashant Jain holds the distinction of managing one fund, namely HDFC Balanced Advantage Fund, for more than 25 years. He joined HDFC AMC in 2003 as the Head of Equities, after gaining experience in SBI mutual fund and Zurich AMC. Besides the Balanced Advantage Fund, he also manages the HDFC Top 100 Fund and HDFC Flexi Cap Fund.  3. Mr. Krishan Kumar Daga A senior fund manager in HDFC AMC, Mr. Krishan Kumar Daga, has 28 years of equity research and fund management experience. He has worked with several financial conglomerates like Reliance Mutual Fund, B&K Securities, Reliance Capital, JP Morgan Securities, Deutsche Securities, and HSBC Securities. Mr. Daga manages HDFC Gold Exchange Traded Fund and HDFC Gold Fund.  4. Mr Shobhit Mehrotra  Mr. Shobhit Mehrotra is an experienced fund manager who manages over fifteen funds with a collective AuM of approximately 37,000 crores. Mr. Mehrotra has extensive experience in fixed-income markets and credit ratings. Before joining HDFC AMC, he was associated with ICRA Ltd. and Templeton Asset Management (India) Pvt. Ltd. Some popular funds managed by him include HDFC Income Fund, HDFC Medium Term Debt Fund, and HDFC Credit Risk Debt Fund.  5. Mr. Amit Ganatra Mr. Amit Ganatra joined HDFC AMC as a Senior Fund Manager in May 2020 after gaining considerable experience in Invesco AMC, DBS Chola AMC, Fidelity Investments, CMIE, and CIPLA. He manages funds like HDFC Capital Builder Value Fund, HDFC Taxsaver, etc.  6. Mr. Anil Bamboli Mr. Anil Bamboli is associated with HDFC AMC since 2003. He is a senior fund manager in the Fixed Income segment. His educational qualifications include B.Com. MMS Finance, CWA, and CFA. He has more than 24 years of experience in the fund management industry. Mr. Bamboli manages funds like HDFC Dynamic Debt Fund, HDFC Short Term Debt Fund, HDFC Gilt Fund, HDFC Overnight Fund, HDFC Banking, PSU Debt Fund, etc. The schemes managed by him have generated average returns between 8% and 12% in the financial year 2020-21.  7. Mr. Anupam Joshi Mr Anupam Joshi is an Associate Director of Investments in HDFC AMC. He has worked for over ten years in Portfolio Management & Dealing. He has served prominent institutions like Principal PNB Asset Management Company, ICAP India Private Ltd., and Asit C. Mehta Investment Intermediates Ltd. Mr. Joshi manages funds like HDFC Corporate Bond Fund, HDFC Low Duration Fund, HDFC Liquid Fund, etc.  Why should you invest in HDFC mutual funds?  HDFC AMC is the largest AMC in India. It offers more than one hundred funds to choose from. The AMC has a legacy of over twenty years and manages assets worth over INR 4.1 trillion. It has more than 65,000 impaneled distributors who offer its financial products to investors. The fund house has more than 200 branches in 200 Indian cities, which cater to all categories of investors.   Whatever your investment objective, you can get an HDFC mutual fund scheme to fulfill your financial goals. The experienced fund managers at HDFC mutual fund simplify stock market or secondary market investments easily for you. Select EduFund to invest in HDFC mutual fund EduFund makes the process of investing in HDFC mutual funds convenient. EduFund's experienced consultants give you customized solutions for all your financial goals. You can start investing from a lowly INR 5,000 and grow your capital comfortably. With EduFund, you get the following benefits: Customized Research-Based Financial Plan -  EduFund's scientific fund tracker screens over 1 lakh data points and 400 financial scenarios to recommend you the best mutual funds.  Customer-Friendly Counsellors Help You Create a Financial Plan - EduFund's counselors are trained to handle all kinds of queries from customers. They spend as much time with you as you need and resolve all your issues to help you create a robust financial plan. Invest Less, Earn More - Not only are the best Indian mutual funds, but EduFund also offers you the facility to invest in US Dollar ETFs and international mutual funds. Use Free Tools - EduFund offers various free tools for its customers, including College Savings Calculator, SIP calculator, etc.  No Technical Expertise Required - You do not need to be an expert in finance to understand which mutual fund is the best for you. EduFund does it for you. Value-Added Benefits - You may get value-added benefits like no commission, free advisory, and nil-hidden charges. Secure Transactions - EduFund is RIA-registered and uses top-class 128-SSL security to enable safe transactions. Special Support for Children's Education - EduFund has a dedicated team of experts who help you fulfill your children's educational goals.  FAQs What is the HDFC AMC? HDFC Asset Management Company, also called HDFC AMC, is one of India's largest and most profitable mutual fund houses. The company is a part of the Housing Development Finance Corporation or HDFC Group, a financial conglomerate with established businesses in housing finance, asset management, life and non-life insurance, education finance, and real estate funds. Which mutual fund is best in HDFC? HDFC Small Cap Fund (Category – Equity: Small Cap) HDFC Mid-Cap Opportunities Fund (Category – Equity: Mid Cap) HDFC Retirement Savings Fund Equity Plan (Equity: Flexi Cap) HDFC Growth Opportunities Fund (Category – Equity: Large & Midcap) HDFC Top 100 Fund (Category – Equity: Large Cap) Why should you invest in HDFC mutual funds? HDFC AMC is the largest AMC in India. It offers more than one hundred funds to choose from. The AMC has a legacy of over twenty years and manages assets worth over INR 4.1 trillion.