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Invesco Asset Management Company (AMC) Private Ltd India is a part of Invesco Ltd, headquartered in Atlanta, Georgia, USA, which has delivered high returns and is a leading investment management firm set up on 20th May 2005. This AMC entered India in 2013 in partnership with the well-established Religare Securities Ltd. company (51% share). Together they formed Religare Invesco Asset Management Co. Ltd., which was co-owned by both the giants – Invesco and Religare. Invesco Mutual Fund was established in 2006 to cater to the investment needs of retail investors through mutual funds. It is one of the leading independent fund houses in the world. An impressive blend of investment excellence, sustainable business models, and organizational strength has helped the fund house to generate a large number of investor folios. It offers a broad portfolio of mutual fund schemes across equity, fixed income, and hybrid categories along with the fund of fund schemes and exchange-traded funds. It endeavors to deliver best-in-class investment products using its expertise and the global resources of Invesco. Since its inception, Invesco India mutual fund AMC manages assets worth Rs. 37476 crores, as of 31st March 2021 offering 110 mutual fund schemes that include 33 equity, 111 debt, and 14 hybrid funds. This top-notch Asset Management firm's main objective is to target the needs of the domestic and international markets and fulfill them, creating optimum returns for their investors. The company has sustainable business models that assist investors in scaling up and providing outstanding financial services. It offers an extensive array of funds suitable for multiple market capitalizations. The professional experts at the company analyze the market with exceptional exactness and help the investors take the right financial decisions catering to clients in more than 120 countries. Invesco is well-equipped with a dynamic outlook, and its flexibility with the changing financial world is worth applause. Saurabh Nanavati, CEO of Invesco India mutual fund, believes in investing in companies of all kinds – retail, institutional and corporate companies. The company offers investors a plethora of trade-worthy mutual fund schemes and professional assistance to earn quality returns on their investments. Important information about Invesco Mutual Fund ParticularsDetailsChairmanMr. V. K. ChopraCEO and MDMr. Saurabh NanavatiCIOMr. Taher BadshahAuditors  M/s Deloitte Haskins & Sells / M/s. Price Waterhouse Chartered Accountants LLP at Invesco AMCInvestor Service OfficerMr. Surinder Singh NegiCompliance OfficerMr. Suresh JakhotiyaRegistrar and Transfer AgentKFin Technologies Pvt Ltd.CustodianDeutsche BankHead OfficeMumbaiTotal Number of schemes48SponsorInvesco Hong Kong LimitedTrusteeInvesco Trustee Private LimitedRegistrarsKarvy Computershare Pvt. Ltd.Set-Up24th July 2006Incorporated20th May 2005Name of TrusteesDean Chisholm (Associate Director) Jeremy Simpson (Associate Director) Bakul Patel (Independent Director) Satyananda Mishra (Independent Director) G. Anantharaman (Independent Director)A customer can write to or visit the Invesco mutual fund office atAddress- Unit No. 2101 A, 21st Floor, A-Wing, Marathon Futurex, N. M. Joshi Marg, Lower Parel, Mumbai 400013.Invesco mutual fund customer care number022-67310000, 022-23019422 (faxInvesco mutual fund toll-free number1800 209 0007Emailpms@invesco.com; mfservices@invesco.com Ten top-performing Invesco mutual fund schemes  Invesco 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 Invesco mutual fund schemes in India. 1. Invesco India Mid Cap Fund Direct-Growth Category - Equity: Mid Cap) The scheme’s main objective is to create capital appreciation by investing in Midcap companies. The Invesco India Mid Cap Fund Direct-Growth Category, with a NAV of 78.330 (as of 2nd May 2021), is the top-performing fund in the 'Equity: Mid Cap' category. This open-ended fund was launched on 01 Jan 2013 and has given trailing returns of 58.60 in one year, and 44.98% in 3 years (as of 30th April 2021). The fund considers the NIFTY Midcap 100 Total Return Index as its benchmark and is currently managed by its fund managers Pranav Gokhale and Neelesh Dhamnaskar. Key information Minimum InvestmentINR 5,000Minimum SIP InvestmentINR 500Exit LoadFor units in excess of 10% of the investment, 1% will be charged for redemption within 1 year.Return Since Inception (01 Jan 2013):342.29% (as of 30th April 2021)AssetsINR 1389.34 Crore (as of 31st March 2021)Expense Ratio0.74% (as of 31st March 2021)  2. Invesco India Tax Plan Direct-Growth (Taxsaver: ELSS Fund) The scheme’s main objective is to create long-term capital growth from a diversified portfolio of equity and equity-related securities. It intends to invest across market capitalization sectors using a diligent bottom-up approach. It aims to have a concentrated and well-researched portfolio, which would be around 20 - 50 stocks. The Invesco India Tax Plan Direct-Growth Category, with a NAV of 76.6200 (as of 2nd May 2021), is in the Taxsaver: ELSS Fund category. This fund was launched on 01 Jan 2013 and has given trailing returns of 49.50 in one year, and 40.30% in 3 years (as of 30th April 2021). The fund considers the S&P BSE 200 Total Return Index as its benchmark and is currently managed by its fund managers Amit Nigam and Dhimant Kothari. Key information Minimum InvestmentINR 5,00Minimum SIP InvestmentINR 500Exit LoadNILReturn Since Inception (01 Jan 2013):286.97% (as of 30th April 2021)AssetsINR 1512.41 Crore (as of 31st March 2021)Expense Ratio0.91% (as of 31st March 2021)  3. Invesco India Contra Fund Direct-Growth (Equity: Value-Oriented Fund) The scheme’s main objective is to create capital appreciation by investing in Equity and Equity Related Instruments using contrarian investing. The Invesco India Contra Fund Direct-Growth, with a NAV of 70.3800 (as of 2nd May 2021), is in the Equity: Value Oriented Fund category. This fund was launched on 01 Jan 2013 and has given trailing returns of 52.47 in one year, and 35.29% in 3 years (as of 30th April 2021). The fund considers the S&P BSE 500 Total Return Index as its benchmark and is currently managed by its fund managers Taher Badshah and Dhimant Kothari. Key information Minimum InvestmentINR 5,00Minimum SIP InvestmentINR 500Exit LoadFor units in excess of 10% of the investment, 1% will be charged for redemption within 1 year.Return Since Inception (01 Jan 2013):300.80% (as of 30th April 2021)AssetsINR 6476.52 Crore (as of 31st March 2021)Expense Ratio0.57% (as of 31st March 2021) 4. Invesco India Largecap Fund Direct-Growth (Equity: Large Cap Fund) The scheme’s main objective is to create capital appreciation by investing in large-cap companies. The Invesco India Large-cap Fund Direct-Growth, with a NAV of 40.3300 (as of 2nd May 2021), is in the Equity: Large Cap category. This fund was launched on 01 Jan 2013 and has given trailing returns of 41.46% in one year, and 33.63% in 3 years (as of 30th April 2021). The fund considers the NIFTY 50 Total Return Index as its benchmark is currently managed by its fund managers Amit Nigam and Nitin Gosar. Key Information Minimum InvestmentINR 100Minimum SIP InvestmentINR 100Exit LoadNILReturn Since Inception (01 Jan 2013):207.39% (as of 30th April 2021)AssetsINR 290.74 Crore (as of 31st March 2021)Expense Ratio1.11% (as of 31st March 2021) 5. Invesco India Growth Opportunities Fund Direct-Growth (Equity: Large and Mid Cap Fund) The scheme’s main objective is to create capital appreciation from a diversified portfolio of Equity and Equity Related Instruments of Large and Midcap companies. The Invesco India Growth Opportunities Fund Direct-Growth, with a NAV of 48.8700 (as of 2nd May 2021), is in the Equity: Large and Mid Cap category. This fund was launched on 01 Jan 2013 and has given trailing returns of 45.32% in one year, and 32.55% in 3 years (as of 30th April 2021). The fund considers the S&P BSE 250 Large MidCap 65:35 Total Return Index as its benchmark and is currently managed by its fund managers Taher Badshah and Pranav Gokhale. Key information Minimum InvestmentINR 100Minimum SIP InvestmentINR 100Exit LoadFor units in excess of 10% of the investment, 1% will be charged for redemption within 1 year.Return Since Inception (01 Jan 2013):253.36% (as of 30th April 2021)AssetsINR 3650.51 Crore (as of 31st March 2021)Expense Ratio0.54% (as of 31st March 2021) 6. Invesco India Infrastructure Fund Direct-Growth (Equity: Sectoral-Infrastructure Fund) The scheme’s main objective is to create long-term capital appreciation by investing in a portfolio that is constituted of equity and equity-related instruments of infrastructure companies. The Invesco India Infrastructure Fund Direct-Growth, with a NAV of 26.1700 (as of 2nd May 2021), is in the Equity: Sectoral-Infrastructure category. This fund was launched on 01 Jan 2013 and has given trailing returns of 50.23% in one year, and 31.77% in 3 years (as of 30th April 2021). The fund considers the S&P BSE India Infrastructure Total Return Index as its benchmark and is currently managed by its fund managers Amit Nigam and Neelesh Dhamnaskar Key information Minimum InvestmentINR 500Minimum SIP InvestmentINR 500Exit LoadFor units in excess of 10% of the investment, 1% will be charged for redemption within 1 year.Return Since Inception (01 Jan 2013):238.11% (as of 30th April 2021)AssetsINR 109.77 Crore (as of 31st March 2021)Expense Ratio1.33% (as of 31st March 2021) 7. Invesco India Financial Services Fund Direct-Growth (Equity: Sectoral-Banking Fund) The scheme’s main objective is to create capital appreciation from a portfolio of Equity and Equity Related Instruments of companies engaged in the business of banking and financial services. The Invesco India Financial Services Fund Direct-Growth, with a NAV of 75.5500 (as of 2nd May 2021), is in the Equity: Sectoral-Banking category. This fund was launched on 01 Jan 2013 and has given trailing returns of 44.87% in one year, and 31.60% in 3 years (as of 30th April 2021). The fund considers the NIFTY Financial Services Total Return Index as its benchmark and is currently managed by its fund managers Dhimant Kothari and Hiten Jain. Key Information Minimum InvestmentINR 100Minimum SIP InvestmentINR 100Exit LoadFor units in excess of 10% of the investment, 1% will be charged for redemption within 1 year.Return Since Inception (01 Jan 2013):210.78% (as of 30th April 2021)AssetsINR 292.80 Crore (as of 31st March 2021)Expense Ratio1.14% (as of 31st March 2021) 8. Invesco India Corporate Bond Fund Direct-Growth (Debt: Corporate Bond) The fund creates regular and stable income by investing in bonds issued by corporates. The scheme will invest in bonds that are rated AA+/ AAA by credit rating agencies. The Invesco India Corporate Bond Fund Direct-Growth, with a NAV of 2634.8148 (as of 2nd May 2021), is in the Debt: Corporate Bond category. This fund was launched on 01 Jan 2013 and has given trailing returns of 9.09% in one year, and 30.33% in 3 years (as of 30th April 2021). The fund considers the CRISIL AAA Short-Term Bond Index as its benchmark is currently managed by its fund managers Vikas Garg and Krishna Venkat. Key information Minimum InvestmentINR 100Minimum SIP InvestmentINR 100Exit LoadNILReturn Since Inception (01 Jan 2013):91.18% (as of 30th April 2021)AssetsINR 2914.44 Crore (as of 31st March 2021)Expense Ratio0.20% (as of 31st March 2021) 9. Invesco India Short-Term Fund Direct-Growth (Debt: Short Duration) The scheme’s main objective is to create steady returns with moderate risk by investing in a portfolio comprising of short-medium term debt and money market instruments. The Invesco India Short Term Fund Direct-Growth, with a NAV of 3052.2750 (as of 2nd May 2021), is in the Debt: Short Duration category. This fund was launched on 01 Jan 2013 and has given trailing returns of 8.31% in one year, and 28.51% in 3 years (as of 30th April 2021). The fund considers the CRISIL Short-Term Bond Total Return Index as its benchmark and is currently managed by its fund managers Vikas Garg and Krishna Venkat Cheemalapati. Key information Minimum InvestmentINR 500Minimum SIP InvestmentINR 500Exit LoadNILReturn Since Inception (01 Jan 2013):95.30% (as of 30th April 2021)AssetsINR 1175.15 Crore (as of 31st March 2021)Expense Ratio0.40% (as of 31st March 2021) 10. Invesco India Multicap Fund Direct-Growth (Equity: Flexi Cap) The scheme’s main objective is to create long-term capital appreciation by investing in equity and equity-related securities of large, mid, and small companies. The fund uses a diligent bottom-up investment approach to select stocks across the market capitalization range. The Invesco India Multicap Fund Direct-Growth, with a NAV of 71.1500 (as of 2nd May 2021), is in the Equity: Flexi Cap category. This fund was launched on 01 Jan 2013 and has given trailing returns of 54.14% in one year, and 27.81% in 3 years (as of 30th April 2021). The fund considers the S&P BSE AllCap Total Return Index as its benchmark and is currently managed by its fund managers Amit Nigam and Pranav Gokhale. Key information Minimum InvestmentINR 500Minimum SIP InvestmentINR 500Exit LoadFor units in excess of 10% of the investment, 1% will be charged for redemption within 1 year.Return Since Inception (01 Jan 2013):297.71% (as of 30th April 2021)AssetsINR 1171.10 Crore (as of 31st March 2021)Expense Ratio0.93% (as of 31st March 2021) Using the Invesco mutual fund calculator  The Invesco mutual fund investment may generate returns, but it is impossible to calculate the exact amount earned as returns. But Invesco mutual fund calculator helps to estimate the returns which can be expected from the invested capital. This can be used for both, Lumpsum and Invesco mutual fund SIP payments and to get an appropriate view of the mutual fund statement. The investor needs to fill in the following information to find the estimated returns of mutual funds: Invesco Mutual fund calculated returns based on Selected Scheme Target Corpus (Rs)  Investment Tenure (in months)  Annual Investment Return (%)  How can you invest in Invesco Mutual via EduFund? It is a simple, convenient, and easy process through Invesco mutual fund login using EduFund to invest in some of the most profitable Invesco Mutual Fund Schemes, which involves a hassle-free process. Let us look at the details of the process: Step 1: The investor needs to visit the official webpage of Invesco or he can choose to visit the main page of EduFund to initiate an investment in Invesco Mutual Funds. Step 2: If he is a registered user, he can directly Invesco mutual fund log in to the platform using his mobile number and password/OTP. Or he would need to create his new Invesco mutual fund login ID, which can be done through EduFund as well, register using a new password, and then log in. Step 3: He should then go to the Mutual Funds section and choose ‘Invest’ and go to ‘Explore All Funds’, placed on the left sidebar. Step 4: From all the available Invesco Mutual Funds, the investor can choose the best type of mutual fund of his choice. All details about the chosen fund will appear on the screen, like risk level, tenure, NAV, etc. Step 5: The investor needs to select the category and choose the payment option he wants to go with – Lumpsum or SIP. He needs to enter the amount he wishes to invest and then simply click on ‘Confirm.’ Step 6: After confirming the plan, the investor simply needs to make his payment using his bank details, net banking, or using his debit or credit card. KYC check required for investing in Invesco Mutual Funds KYC needs to be complete and compliant before investing in Mutual Funds will be processed within 5 working days after the payment, and KYC formalities are fulfilled. The following SEBI-registered intermediaries need to be mandatorily contacted, and regulations need to be followed to complete the KYC: AMC – Asset Management Company and The Fund House (Asset Management Companies) KYC Registration Agency such as CAMS, Karvy, CSDL, NSDL, and NSE-owned DotEx International Limited To complete the KYC online, the investor should follow the below-mentioned steps To initiate Invesco mutual fund login or through EduFund using personal details and an Aadhaar-linked mobile number, which can be verified using OTP. Upload self-attested copies of Identity Proof and Address Proof. Documents required for Invesco Mutual fund investment Identity Proof - Acceptable documents are Aadhaar Card, PAN Card, Passport, Driving, License,   Address Proof - Acceptable documents are Aadhar Card, Driving License, Passport, Recent Utility Bill, and Rental/Lease Agreement EduFund is a renowned portal that is registered with AMFI, BSE, and SEBI with zero fees to sign up. The investment logged in by the individual will reflect in his EduFund account within 3-5 business days. The best-performing Invesco tax-saving mutual fund Invesco India Tax Plan Mutual Funds are the benchmark as a beating tax saver with assured consistency and are among the top tax-saving funds. It is a safe bet for investors seeking capital appreciation over the long term and Investment in equity and equity-related instruments. It generates long-term capital growth from a diversified portfolio mainly consisting of equity-related securities. The key benefits of investing in Invesco Tax Saving Mutual Fund are: It is an open-ended ELSS Equity Linked Savings Scheme that comprises a lock-in period of a minimum of 3 years It helps in Tax exemptions under section 80C of the Income Tax Act 1961 It is invested with a long-term perspective It has significant exposure to midcap It consists of a balanced and well-diversified portfolio Leading fund managers at Invesco Mutual fund  The Invesco Mutual Fund Investment experts are well-equipped with providing professional assistance within the Finance Sector with appropriate qualifications and knowledge of investment. Some of the most efficient Fund Managers at Invesco Mutual Fund are: Top equity fund managers Taher Badshah (Chief Investments Officer) Taher joined Invesco AMC as a Chief Investments Officer in 2017 and has 24 years old overall experience in Indian Equity Market. He has prior experience of working at Motilal Oswal Asset Management as the Head of Equities. He has also worked at ICICI Prudential AMC, Alliance Capital AMC, Kotak Mahindra Investment Advisors, etc. He has completed his master’s in management studies degree in Finance from S.P. Jain Institute of Management. He has also completed his B.E. degree in Electronics from the University of Mumbai. Invesco, he is completely engrossed with the equity management function.  Amit Ganatra (Fund Manager) As a Fund Manager, Amit Ganatra is well-versed in equity research and has professional experience of over 16 years of. He holds a degree in Chartered Accountant and Commerce, and he takes intensive decisions and strategies for portfolio management.  Pranav Gokhale (Fund Manager) Pranav has a total experience of 14 years serving as a Fund Manager at Invesco Mutual Funds AMC e in Indian Equity Markets. He is a Chartered Account from the Institute of Chartered Accountants of India. Also, he holds an M. Com degree from Mumbai University. Pranav has previously worked with IL&FS, International Ship Repair LLC Fujairah, ICICI Direct, and Rosy Blue Securities.  Neelesh Dhamnaskar (Fund Manager) Neelesh has been working for 9 years with Invesco in Equity Investment with more than 14 years of experience in the equity and research market. He joined Invesco in 2010 and has also worked with ENAM, KRC, and Anand Rathi Securities Limited. Mr. Dhamnaskar holds a Commerce degree, and an MMS degree in Finance from Mumbai University and is currently pursuing CFA (USA), and is a Level III candidate.  Mr. Nitin Gosar (Fund Manager) Mr. Gosar has more than 14 years of experience, and he joined Invesco MF in 2011 in equity research. He has previously worked with IFCI Financial Services and Batlivala & Karani Securities. He holds a BMS degree, a master’s degree in Finance from ICFAI.  Top Debt fund managers Mr. Sujoy Kumar Das – Head of the Fixed Income investment Mr. Das, who has more than 22 years of overall experience, joined Invesco Mutual Fund in 2010. He is currently the head of the Fixed Income investment team at Invesco AMC. He was earlier working with DSP Merrill Lynch Mutual Fund, Bharti AXA Mutual Fund, and Bank of Punjab before joining Invesco. As per the “Top Fund Managers of India” survey, organized by Business Today and Mutualfundsindia.com, which was conducted in May 2005 & April 2012, he was awarded as the best debt fund manager in the country. He has a BSc, - bachelor’s in science in Economics degree from Calcutta University. He holds a diploma of Post-Graduation in Business Administration in Finance & International Business from the Hindu Institute of Management. Mr. Krishna Cheemalapati (Fund Manager) Mr. Cheemalapati holds a significant position in the fixed-income investment department of Invesco as a Fund Manager, which he joined in 2011. With an overall experience of 22 years, he has worked with other big giants like Reliance General Insurance and ICAP India Pvt. Ltd. He has completed his CFA from ICFAI, PGDBA from ICFAI Business School, and holds a BE degree from Andhra University. Mr Abhishek Bandiwdekar (Fund Manager and Dealer at Invesco AMC) Mr. Bandiwdekar has more than 12 years of overall experience in the Markets of Fixed Income, and he joined Invesco AMC in 2014. He is leading a high position in Invesco as a fund manager and dealer. Previously, he has worked with STCI Primary Dealer Ltd., Taurus Corporate Advisory Services Ltd., IDBI Asset Management, and A.K. Capital Services Ltd. He has done his PGDFM in Finance from I.E.S Management College of Commerce & Economics and is a commerce graduate. Mr. Vikas Garg (Head of the credit research team at Invesco) Mr. Garg has more than 15 years of experience. Before joining Invesco, he worked within the financial markets of other firms like L&T mutual fund as a portfolio manager and FIL Fund Management Pvt Ltd and ICRA Ltd in their credit research team. He obtained a diploma in PDGM from XLRI-Jamshedpur, a CFA charter in the USA, and holds a B. Tech and M. Tech degree in Chemical Engineering from IIT-Delhi. Mr. Vardhaman Kochar (VP of performance and risk at Invesco) Mr. Kochar has more than 12 of experience in performance and risk management. He has worked with Genpact and Polaris Financial Technology, Crisil Irevna Ltd. He has an MBA degree from IIT Kanpur and holds a B. E. degree in Computer Science from Rajasthan. The fund managers at Invesco Mutual Fund are: Mr. Dhimant Kothari Mr. Hiten Jain Ms. Rita Tahilramani Mr. Rajeev Bhardwaj Mr. Kuber Mannadi Mr. Herin Shah Mr. Prateek Jain Why should you invest in Invesco Mutual fund using EduFund? Investing in Invesco Mutual Funds through EduFund is a wise decision and should be taken soon to avail the following benefits: Features like Rupee cost averaging, Power of Compounding, Long-term Savings, and SIP Benefits enable many investors to invest in Invesco. Each Invesco Mutual Fund and benefit can be identified using its NAV, AUM, peer average returns, past performances, etc.  A robust investment process for equities and fixed income.  For fixed-income, the portfolios revolve around maximizing returns by investing in quality assets and minimizing liquidity risk and interest rate risk. For equity, with the help of ESG - Environment, Social, and Governance Overlay, Invesco follows an active fund management strategy. Invesco categorizes stocks based on value, event-based stocks, and growth. The stock category names are unique.  Their risk management process starts with the investment and continues till the final existence of the fund in the market. Invesco Mutual Fund is quite popular because it commits to providing investment excellence, depth of investment capabilities, organizational strength, and a global footprint. Select EduFund for investing in Invesco Mutual fund EduFund makes the process of investing in Invesco 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 screen 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 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. 

DSP Mutual Fund is one of the largest mutual fund houses operating in India. The fund house was established as a trust as per the rules of the Indian Trust Act, of 1882. DSP Asset Management Company (AMC) is registered under the Securities and Exchange Board of India (SEBI) (Mutual Funds) Regulations, 1996. The principal sponsors of this fund are DSP ADIKO Holdings Pvt. Ltd. and DSP HMK Holdings Pvt. Ltd. (formerly DSP BlackRock Investment Managers Pvt. Ltd). DSP ADIKO Holdings Pvt. Ltd. and DSP HMK Holdings Pvt. Ltd. has 54% and 34% holding in the company, respectively. Ms. Aditi Kothari Desai and Ms. Shuchi Kothari hold 6% shares each. The DSP Group has been in existence since the 1860s. It started its business with stockbroking. It is currently headed by Mr. Hemendra Kothari, a reputed investment banker with a real-time net worth of US$ 1.3 Billion. The founders of the group have been instrumental in professionalizing the Indian capital markets and money management businesses. A founding member of the DSP group played a prominent role in setting up the Bombay Stock Exchange (BSE).DSP mutual fund has forty (40) schemes. Besides 17 equity schemes, 3 hybrid schemes, 14 debt schemes, and 6 international funds of funds, it also offers 4 solutions. Most DSP mutual fund schemes have traditionally given inflation-beating returns in all market conditions.DSP AMC's net worth grew to INR 12,258.75 million (31 March 2020) from INR 11,062.92 million in the previous year. The company's income was INR 4,534.32 in the financial year 2019-20. Important Information About DSP Mutual Fund Fund NameDSP Mutual FundSetup Date16th December 1996Date of Incorporation13th May 1996Name of SponsorsDSP ADIKO Holdings Pvt. Ltd. and DSP HMK Holdings Pvt. Ltd. Trustee Company NameDSP Trustee Private LimitedNon-Executive ChairmanMr Hemendra KothariDirector, Sales and Marketing Ms Aditi Kothari DesaiIndependent DirectorsMr Dhananjay Mungale Mr S Ramadorai Mr S.S. Mundra Mr Uday KhannaPresidentMr Kalpen ParekhChief Operating OfficerMr Ramamoorthy RajagopalCompliance OfficerMr Pritesh MajmudarRegistered Address of the AMCMafatlal Centre, 10th Floor, Nariman Point, Mumbai - 400 021Telephone Number+91 (22) 66578000/ 1800-208-4499 / 1800-200-4499 (Toll free) FAX Number +91 (22) 66578181Websitehttps://www.dspim.com/Emailservice@dspblackrock.comAuditorM/s. Deloitte Haskins & Sells LLP, Mumbai(Firm Registration No. 117366W/W-100018)Registrar and Transfer Agent Computer Age Management Services Ltd. Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002 Phone: 1800-3010-6767 / 1800-419-7676 Fax: 044-30407101 Email: enq_h@camsonline.com Website: www.camsonline.com Ten Top-Performing DSP Mutual Fund Schemes  DSP mutual fund's portfolio comprises high-quality stocks and debt instruments that promise to deliver inflation-beating returns to its investors. The following are the top-10 DSP mutual fund schemes that have delivered strong returns and are the ones with the most AuM (Asset Under Management). 1. DSP World Mining Fund (Category - Equity: International) The DSP World Mining Fund invests in foreign companies' shares. This open-ended fund has a NAV of 15.0711 (Regular Growth) (as on 19th April, 2021), and is one of the top-performing funds in the 'Equity: International' category. The fund was launched on 29th December 2009 and has given trailing returns of 86.29% in one year (as on 16th April, 2021). The fund considers the Euromoney Global Mining Constrained Weights Net Total Return Index as its benchmark.   Key Information Minimum InvestmentINR 500Minimum Additional InvestmentINR 500Minimum SIP InvestmentINR 500Minimum Withdrawal-Exit LoadNilReturn Since Inception (29th December 2009):3.50% (as on 19th April, 2021)AssetsINR 113 Crore (as on 31st March, 2021)Expense Ratio2.18% (as on 28th February, 2021) 2. DSP Natural Resources and New Energy Fund (Category - Equity: Thematic -Energy) The DSP Natural Resources and New Energy Fund invests in prominent energy and natural resources companies. This open-ended fund has a NAV of 44.7100 (Regular Growth) (as on 19th April, 2021), and is one of the top-performing funds in the 'Equity: Thematic - Energy' category. The fund was launched on 25th April 2008 and has given trailing returns of 93.54% in one year (as on 16th April, 2021). The fund considers the MSCI World Energy 10/40 Net TRI, S&P BSE Oil & Gas TRI, S&P BSE Metal TRI as its benchmark.   Key Information Minimum InvestmentINR 500Minimum Additional InvestmentINR 500Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit LoadNilReturn Since Inception (25th April 2008):12.32% (as on 19th April, 2021)AssetsINR 514 Crore (as on 31st March, 2021)Expense Ratio2.51% (as on 28th February, 2021) 3. DSP Healthcare Fund (Category - Equity: Sectoral-Pharma) The DSP Healthcare Fund invests in prominent healthcare and pharmaceutical companies. This open-ended fund has a NAV of 20.4680 (Regular Growth) (as on 19th April, 2021), and is one of the top-performing funds in the 'Equity: Sectoral - Pharma' category. The fund was launched on 30th November 2018 and has given trailing returns of 66.19% in one year (as on 19th April, 2021). The fund considers the S&P BSE Healthcare TRI as its benchmark.   Key Information Minimum InvestmentINR 500Minimum Additional InvestmentINR 500Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit Load1% for withdrawals before 364 daysReturn Since Inception (30th November 2018):35.01% (as on 19th April, 2021)AssetsINR 1,110 Crore (as on 31st March, 2021)Expense Ratio2.25% (as on 28th February, 2021) 4. DSP Small Cap Fund (Category - Equity: Small Cap) The DSP Small Cap Fund invests in the shares of companies that have tremendous growth potential. This open-ended fund has a NAV of 78.9260 (Regular Growth) (as on 19th April, 2021), and is one of the best-performing funds in the 'Equity: Small Cap' category. The fund was launched on 14th June 2007 and has given trailing returns of 83.40% in one year (as on 19th April, 2021). The fund considers the S&P BSE Small Cap TRI as its benchmark.   Key Information Minimum InvestmentINR 500Minimum Additional InvestmentINR 500Minimum SIP InvestmentINR 500Minimum Withdrawal-Exit LoadNilReturn Since Inception (14th June 2007):16.08% (as on 19th April, 2021)AssetsINR 6,455 Crore (as on 31st March, 2021)Expense Ratio1.92% (as on 31st March, 2021) 5. DSP Equal Nifty 50 Fund (Category - Equity: Large Cap) The DSP Equal Nifty 50 Fund invests in high-quality companies with a large market capitalisation. This open-ended fund has a NAV of 12.5777 (Regular Growth) (as on 19th April, 2021), and is one of the top-performing funds in the 'Equity: Large Cap' category. The fund was launched on 23rd October 2017 and has given trailing returns of 66.67% in one year (as on 19th April, 2021). The fund considers the NIFTY 50 Equal Weight TRI as its benchmark.   Key Information Minimum InvestmentINR 500Minimum Additional InvestmentINR 500Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit LoadNilReturn Since Inception (23rd October 2017):6.79% (as on 19th April, 2021)AssetsINR 145 Crore (as on 31st March, 2021)Expense Ratio0.79% (as on 28th February, 2021) 6. DSP T.I.G.E.R. Fund (Category - Equity: Sectoral - Infrastructure)  The DSP T.I.G.E.R. Fund invests in top-class companies that will benefit from India's infrastructural growth. This open-ended fund has a NAV of 107.3040 (Regular Growth) (as on 19th April, 2021), and is one of the top-performing funds in the 'Equity: Sectoral - Infrastructure' category. The fund was launched on 11th June 2004 and has given trailing returns of 58.02% in one year (as on 19th April, 2021). The fund considers the S&P BSE 100 TRI as its benchmark.   Key Information Minimum InvestmentINR 500Minimum Additional InvestmentINR 500Minimum SIP InvestmentINR 500Minimum WithdrawalINR 1,000Exit Load1% for withdrawals before 364 daysReturn Since Inception (11th June 2004):15.11% (as on 19th April, 2021)AssetsINR 981 Crore (as on 31st March, 2021)Expense Ratio2.38% (as on 28th February, 2021) 7. DSP Equity Opportunities Fund (Category - Equity: Large & Mid Cap) The DSP Equity Opportunities Fund invests in top-class large and mid-sized companies that have a consistent track record of profit-making. This open-ended fund has a NAV of 288.9890 (Regular Growth) (as on 19th April, 2021), and is one of the top-performing funds in the 'Equity: Large & Mid Cap' category. The fund was launched on 16th May 2000 and has given trailing returns of 55.78% in one year (as on 19th April, 2021). The fund considers the NIFTY Large Midcap 250 TRI as its benchmark.   Key Information Minimum InvestmentINR 500Minimum Additional InvestmentINR 500Minimum SIP InvestmentINR 500Minimum WithdrawalINR 1,000Exit Load1% for withdrawals before 364 daysReturn Since Inception (16th May 2000):17.43% (as on 19th April, 2021)AssetsINR 5,747 Crore (as on 31st March, 2021)Expense Ratio1.91% (as on 28th February, 2021) 8. DSP Flexi Cap Fund (Category - Equity: Flexi Cap) The open-ended DSP Flexi Cap Fund has a NAV of 47.2660 (Regular Growth) (as on 19th April, 2021), and is one of the top-performing funds in the 'Equity: Flexi Cap' category. The fund was launched on 29th April 1997 and has given trailing returns of 52.10% in one year (as on 19th April, 2021). The fund considers the NIFTY 500 TRI as its benchmark.   Key Information Minimum InvestmentINR 500Minimum Additional InvestmentINR 500Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit Load1% for withdrawals before 364 daysReturn Since Inception (29th April 1997):19.29% (as on 19th April, 2021)AssetsINR 4,983 Crore (as on 31st March, 2021)Expense Ratio1.96% (as on 31st March, 2021) 9. DSP Equity & Bond Fund (Category - Hybrid: Aggressive Hybrid) The DSP Equity & Bond Fund invests in value-oriented large, mid-sized, and small companies that have a consistent track record of profit-making. This open-ended fund has a NAV of 198.9500 (Regular Growth) (as on 19th April, 2021), and is one of the top-performing funds in the 'Hybrid: Aggressive Hybrid category. The fund was launched on 27th May 1999 and has given trailing returns of 39.91% in one year (as on 19th April, 2021). The fund considers the CRISIL Hybrid 35+65 Aggressive TRI as its benchmark.   Key Information Minimum InvestmentINR 500Minimum Additional InvestmentINR 500Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit Load1% for withdrawals before 364 daysReturn Since Inception (27th May 1999):14.62% (as on 19th April, 2021)AssetsINR 6,396 Crore (as on 31st March, 2021)Expense Ratio1.89% (as on 28th February, 2021) 10. DSP Dynamic Asset Allocation Fund (Category - Hybrid: Dynamic Asset Allocation) The DSP Dynamic Asset Allocation Fund invests in debt instruments, including bonds, non-convertible debentures, debentures, GOI securities, mutual funds, and treasury bills. This open-ended fund has a NAV of 18.3880 (Regular Growth) (as on 19th April, 2021), and is one of the top-performing funds in the 'Hybrid: Dynamic Asset Allocation' category. The fund was launched on 6th February 2014 and has given trailing returns of 21.44% in one year (as on 19th April, 2021). The fund considers the CRISIL Hybrid 35+65 Aggressive TRI as its benchmark.   Key Information Minimum InvestmentINR 500Minimum Additional InvestmentINR 500Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit Load1% for withdrawals before 364 daysReturn Since Inception (6th February 2014):38.82% (as on 19th April, 2021)AssetsINR 3,205 Crore (as on 31st March, 2021)Expense Ratio1.99% (as on 28th February, 2021) How Can You Invest in DSP Mutual Fund Via EduFund? EduFund simplifies the process of investing in DSP Mutual Fund. You need to follow six steps to invest in DSP mutual fund.  Step 1 - Download the App and Create an Account: Open Google Play Store or Apple App Store. Create an account by entering your name, address, mobile number, email address, and other details. Step 2 -  Choose the Scheme: Browse the list of DSP mutual fund schemes and select a scheme. You can invest a lump sum in the growth or dividend option. Alternatively, you can choose a Systematic Investment Plan (SIP) with a minimum amount of INR 500. EduFund's recommendation engine automatically suggests the right scheme for achieving your financial objectives. Step 3 - Manage Your Transaction(s): The EduFund app is your all-in-one source for getting all information related to your account. You can invest in new schemes, withdraw your money, download the account statement, switch your investment from one fund to other fund(s), or compare funds. Step 4 - Discuss With a Counsellor: Sometimes, it may become difficult to align your financial investments with life goals. EduFund's expert counsellors can help you find the most suitable fund for your needs. EduFund secures all transactions with top-class authentication and encryption features to make sure your financial transactions are as safe as banks. Seven Best Performing Fund Managers at DSP Mutual Fund The fund manager plays a crucial role in determining the growth of your capital. Their knowledge about the market and the timing of entry and exit from a financial instrument affect the returns. The following are the seven best fund managers at DSP AMC. 1. Aayush Ganeriwala Aayush Ganeriwala is an experienced and qualified fund manager at DSP AMC. He joined DSP Investment Managers in June 2019. He has many qualifications, which include B.Com (H) from St. Xavier’s College, Kolkata, CS (ICSI), CA (ICAI), CFA (USA), PGDM (IIM-L), and FRM (GARP). Mr Ganeriwala primary area of interest in Oil, Gas, and Metals. The mutual fund schemes managed by him include DSP A.C.E. Fund (Analyst’s Conviction Equalized) – Series 2, DSP Arbitrage Fund, and DSP Natural Resources and New Energy Fund. 2. Abhishek Ghosh Mr Abhishek Ghosh is an experienced fund manager. He joined DSP Investment Managers as Assistant Vice President (Equities) in September 2018. His educational qualifications include an MBA (Finance) and BE (Electronics). His fourteen years' work experience took him through renowned financial institutions like IDFC Securities, Motilal Oswal, BNP Paribas, B&K Securities,  and Edelweiss Financial Services. Mr Ghosh manages funds like DSP Dynamic Asset Allocation Fund, DSP Equity & Bond Fund, and DSP Equity Fund. 3. Anil Ghelani Mr Anil Ghelani, CFA Charter Holder, CA (ICAI), and B.Com (University of Mumbai) is the Head of Passive Investments & Products at DSP Investment Managers. He joined the company in 2003. Since May 2019, he has also been working as a fund manager. He has extensive experience in managing a portfolio. In his capacity as the Business Head & Chief Investment Officer at DSP Pension Fund Managers, he introduced several innovative techniques to maximise the company's profits. Before joining DSP AMC, he worked at IL&FS Asset Management Company and S.R. Batliboi. Besides DSP, Mr Ghelani also serves the CFA Society India as the Director and Vice-Chairman. He manages various DSP mutual fund schemes like DSP Quant Fund, DSP Equal Nifty 50 Fund, DSP Nifty 50 Index Fund, DSP Nifty Next 50 Index Fund, and DSP Liquid ETF. 4. Atul Bhole Mr Atul Bhole has been associated with DSP Mutual Fund since May 2016. He joined as the Vice President (Investments). He has worked with various reputed financial organisations like Tata Asset Management Ltd., JP Morgan Services (India) Pvt. Ltd., and State Bank of India. During his stint with Tata Asset Management Ltd., he managed several funds like Tata Midcap Growth Fund, Tata Balanced Fund, and Tata Equity P/E Fund. Mr Bhole did his Masters in Management Studies from Jamnalal Bajaj Institute of Management Studies. He has also successfully cleared the Chartered Accountancy examination. The funds managed by Mr Atul Bhole includes DSP Dynamic Asset Allocation Fund, DSP Equity Fund, and DSP Equity & Bond Fund. 5. Charanjit Singh Mr Charanjit Singh has an MBA in Finance and B.Tech in Electronics and Communication Engineering. He joined DSP as the Asst. Vice President(Equity) in September 2018. Before joining DSP AMC, he worked with renowned financial institutions like Axis Capital, B&K Securities, BNP Paribas Securities, IDC Corp, Thomas Weisel Partners, HSBC, and Frost & Sullivan.  Mr Singh manages funds like DSP Equity Opportunities Fund, DSP Tax Saver Fund, and DSP India T.I.G.E.R. Fund (The Infrastructure Growth and Economic Reforms Fund). 6. Diipesh Shah Mr Diipesh Shah joined DSP Investment Managers as Vice President (ETF & Passive Investments). He manages the portfolio for equity and fixed income ETFs. He also manages Index funds. Mr Shah works actively towards increasing DSP mutual fund's clout in the passive investments space. He has worked in this sector for over 19 years and has experience in Cash & Derivatives Sales Trading, Equity Research, Buy-Side Trading, and Fixed Income risk management.  Before joining DSP mutual fund, he worked with Centrum Broking, JM Financial, ICICI Securities, IIFL Capital Pte Ltd Singapore, and IDFC Securities. Mr Shah manages funds like DSP Quant Fund, DSP Equal Nifty 50 Fund, DSP Nifty 50 Index Fund, and DSP Liquid ETF. 7. Jay Kothari Mr Jay Kothari joined DSP Investment Managers in May 2005. He is currently engaged as the Senior Vice President & Product Strategist. Before joining DSP AMC, he worked with Standard Chartered Bank. He has completed BMS in Finance and International Finance from and MBA (Finance) from the University of Mumbai. Mr Kothari looks after the overseas investments division of DSP AMC. He actively manages funds like DSP Small Cap Fund, DSP Focus Fund, DSP Natural Resources and New Energy Fund, DSP World Gold Fund, and DSP World Energy Fund.  Why Should You Invest in DSP Mutual Fund? DSP mutual fund is one of the fastest-growing mutual fund houses in India. The fund house has funds across various sectors. DSP mutual fund's managers have significant experience in portfolio management and income-generation. DSP Investment Managers has branches all over India. Alternatively, you can download the EduFund app and invest directly. Select EduFund For Investing in DSP Mutual Fund EduFund simplifies investing in DSP Mutual Fund. EduFund's top-class fund tracker picks out the best funds suiting your requirements. In case you need more help, EduFund's experienced counsellors are there to discover your needs and find the best funds. You can start a SIP with a lowly INR 500 or invest a minimum lump sum amount of INR 5,000.  EduFund's scientific fund's tracker scans more the one lakh data points and over 400 financial scenarios to pick out the best DSP mutual fund schemes for you. You can use several free tools, such as College Savings Calculator or SIP calculator, to figure your needs. Moreover, you can select the best funds without requiring any technical knowledge of the capital market.  EduFund uses top-class security parameters, such as 128-SSL, to safeguard your transaction and investments. Download the EduFund app and start saving for your child's higher education.

The Nippon India Mutual Fund was incorporated as the Reliance Mutual Fund in 1995. It is one of the most prominent mutual funds in the country both by age and by the assets under the management of the mutual fund. The mutual fund has been known as the Nippon India Mutual Fund since 2019. The Nippon India Mutual Fund has some of the fastest-growing schemes in India. The total value of the assets under management of the Nippon Indian Mutual Fund is Rs. 2.17 lakh crore as of 1 March 2021. It contains a wide variety of mutual fund schemes that allow its investors to invest in a truly diversified portfolio. The Nippon India Mutual Fund offers debt funds, equity funds, gold funds, and liquid funds. Several of these funds are of the balanced and tax saver kind as well.  Nippon India Mutual Fund is sponsored by Nippon Life Insurance Company Ltd. Nippon Life Insurance Company is the foremost life insurance company in Japan. It offers individual and group life insurance as well as annuity policies. Its headquarters are in Japan, but it also operates in Europe, Nother America, and Oceania. It has more than 70 thousand employees and assets worth more than 70 billion yen. The Nippon India Mutual Find has over 350 schemes, which include 52 equity, 266 debt, and 40 balanced funds. Sundeep Sikka is the CEO of the company, and it has six trustees. Manish Gunwani is the Chief Investment Officer for the debt funds, while Amit Tripathi holds the same post for equity funds. Important information Name of the AMCNippon India Mutual Fund (Formerly Reliance Mutual Fund)Incorporation Date30 June 1995Sponsors Nippon Life Insurance Company (NLI)TrusteeNippon Life India Trustee Limited (Formerly known as ​​​​​​​​​​Reliance Capital Trustee Co. Limited) (NLIT)Trustees' NamesNilesh S. Vikamsey Kohei Sano Rajiv A.N. Shanbhag Vijay Kumar Chopra Upendra JoshiMD/CEOSundeep SikkaCIOManish Gunwani Amit TripathiAAUMRs. 213033.15 Cr as of 1 March 2021 Best Reliance mutual fund schemes There are several Reliance Mutual Fund Schemes that feature among the top schemes available to investors in the market. Let us look at the top ten among these schemes. 1. Nippon India Growth Fund Direct The Nippon India Growth Fund has been among the most successful funds in the Indian market over the past few years. It has a CRISIL rating of 3, and investors have realized returns of over 38% in the past year and almost 19% in the last five years, as of 1 March 2021. Minimum InvestmentINR 100Minimum Additional Investment INR 100Minimum SIP InvestmentINR 100Minimum WithdrawalINR 100Exit Load1% for redemption within 30 days; Nil for redemption after 30 daysReturn Since Inception:15.39%AssetsINR 9031 CroreExpense Ratio1.22%*All values as of 1 March 2021 2. Nippon India Gilt Securities Fund Direct The Nippon India Gilt Securities Fund is rated 4 by CRISIL and is among the best-performing debt funds in the market. It has an AUM of 1525 Crore as of 1 March 2021 and has 6.62% over the last year and nearly 11% over the last five years. Minimum InvestmentINR 5000Minimum Additional Investment INR 1000Minimum SIP InvestmentINR 100Minimum WithdrawalINR 100Exit Load0.25% for redemption within 7 days; Nil for redemption after 7 daysReturn Since Inception:10.44%AssetsINR 1525 CroreExpense Ratio0.61%*All values as of 1 March 2021 3. Nippon India Value Fund Direct The Nippon India Value Fund is an equity fund that has an AUM of 3517 Crore as of 1 March 2021. It carries a CRISIL rating of 3 and has returned more than 17.25% in the last five years. Minimum InvestmentINR 500Minimum Additional Investment INR 500Minimum SIP InvestmentINR 100Minimum WithdrawalINR 100Exit Load1% for redemption within 365 days for units more than 10% of investment; Nil for redemption after 365 daysReturn Since Inception:14.03%AssetsINR 3517 CroreExpense Ratio1.41%*All values as of 1 March 2021 4. Nippon India Income Fund Direct The Nippon India Income Fund has been an extremely successful fund, giving it a CRISIL rating of 4. Though it is a comparatively small fund with an AUM of 306 crores, it has returned 9.15% in the last five years as of 1 March 2021, which is significant for a debt fund. Minimum InvestmentINR 5000Minimum Additional Investment INR 1000Minimum SIP InvestmentINR 100Minimum WithdrawalINR 100Exit Load1% for redemption within 15 days; Nil for redemption after 15 daysReturn Since Inception:8.75%AssetsINR 306 CroreExpense Ratio0.58%*All values as of 1 March 2021 5. Nippon India Small Cap Fund Direct The Nippon India Small Cap Fund is a high-performance equity fund that has among the highest returns for any fund in the Indian market. Since its inception, it has returned over 15% and has accumulated an AUM of over 12000 crores as of 1 March 2021. Minimum InvestmentINR 5000Minimum Additional Investment INR 1000Minimum SIP InvestmentINR 100Minimum WithdrawalINR 100Exit Load1% for redemption within 30 days; Nil for redemption after 30 daysReturn Since Inception:15.39%AssetsINR 12474 CroreExpense Ratio1.01%*All values as of 1 March 2021 6. Nippon India Banking & PSU Debt Fund Direct The Nippon India Banking & PSU Debt Fund invests exclusively in Banks and Public Sector Undertakings of the Government of India. Despite being a debt fund, it has been able to return nearly 9% in the last five years as of 1 March 2021. Minimum InvestmentINR 5000Minimum Additional Investment INR 1000Minimum SIP InvestmentINR 100Minimum WithdrawalINR 100Exit LoadNilReturn Since Inception:8.81%AssetsINR 6636 CroreExpense Ratio0.33%*All values as of 1 March 2021 7. Nippon India Floating Rate Fund Direct The Nippon India Floating Rate Fund is another debt fund that has performed rather well since its inception and has had a constant rate of return of over 8% a year over the last 5 years, as of 1 March 2021. Minimum InvestmentINR 5000Minimum Additional Investment INR 1000Minimum SIP InvestmentINR 100Minimum WithdrawalINR 100Exit LoadNilReturn Since Inception:8.68%AssetsINR 13114 CroreExpense Ratio0.24%*All values as of 1 March 2021 8. Nippon India Short-Term Fund Direct The Nippon India Short-Term Fund has an AUM of nearly 8000 Crore as of 1 March 2021. It has had a constant annual rate of return that has been over 8.5% since its inception. Minimum InvestmentINR 500Minimum Additional Investment INR 500Minimum SIP InvestmentINR 100Minimum WithdrawalINR 100Exit LoadNilReturn Since Inception:8.84%AssetsINR 7903 CroreExpense Ratio0.34%*All values as of 1 March 2021 9. Nippon India Money Market Fund Direct The Nippon India Money Market Fund is a debt fund with a CRISIL rating of 4 and an AUM f nearly 7000 crores as of 1 March 2021. Its rate of return has been over 7% annually for nearly all of its existence. Minimum InvestmentINR 500Minimum Additional Investment INR 500Minimum SIP InvestmentINR 100Minimum WithdrawalINR 100Exit LoadNilReturn Since Inception:7.79%AssetsINR 6865 CroreExpense Ratio0.19%*All values as of 1 March 2021 10. Nippon India Vision Fund The Nippon India Vision Fund is a relatively new offering from the Nippon India Mutual Fund and has provided a handsome rate of return of over 12% since its inception as of 1 March 2021. It has an AUM of over 2800 crore. Minimum InvestmentINR 5000Minimum Additional Investment INR 1000Minimum SIP InvestmentINR 100Minimum WithdrawalINR 100Exit Load1% for redemption within 365 days for units more than 10% of investment; Nil for redemption after 365 daysReturn Since Inception:12.09%AssetsINR 2830 CroreExpense Ratio1.58%*All values as of 1 March 2021 How can you invest in Reliance Mutual Fund Via EduFund? You can use EduFund to invest in the Reliance Nippon Mutual Fund and secure your child's education abroad. Here are the steps that will enable you to invest in the Reliance Nippon Mutual Fund through EduFund. Download the EduFund app from the App Store or the Google Play Store. Create an account on EduFund. Enter your goals for your child's education. You can enter details like the country you are targeting, the level of education you want to send your child abroad for, and the specialization you want your child to pursue abroad. You can also enter the rank range of the college you want to send your child to and the kind of city the college should be in. You will get a list of colleges that match the criteria you have input. Alongside this, you will also receive data regarding the tuition fees of such institutes.  Based on your financial goals, you can now invest in the best-performing Reliance Nippon Mutual Fund. Based on past data, you can determine the amount of time it will take you to generate enough funds to secure your child's education. You can use the EduFund app to continuously track your investments. You can pay using several different modes of payment and keep track of the performance of the fund you have invested in. If you are confused regarding where to send your child to study and the financial goals you should set, you can speak with expert education counselors with vast experience in the financials involved in studying abroad. Leading Fund managers at Reliance Mutual Fund For any mutual fund, the person that matters most to the general public is the fund manager. The fund manager has a significant amount of control over decisions associated with the fund and hence determines where the money you invest will be allocated. In many ways, the fund managers are the ultimate authority that decides whether your money will be put to loss-making or profit-making purposes. It is hence important for fund managers to be competent, educated, and experienced. Here are the top fund managers of the Reliance Mutual Fund, who have had the greatest returns over the past months and years or have been entrusted with large volumes of assets due to their great past performance. 1.Samir Rachh Mr. Samir Rachh is one of the most experienced fund managers at Reliance Mutual Fund. He has experience in various different industries and the amount of work that he has done spans over 29 years now. At the same time, he is also among the most prolific managers of the Reliance Mutual Fund and among the most prolific experts in small-cap and mid-cap stocks. Mr. Samir Rachh graduated in commerce from Mumbai University. After this, he spent three years at the Capital Market magazine as its Assistant Editor. Post this stint in journalism, he set up his own research and investment advisory firm known as Avicon Research. Here, he spent another three years as its managing partner. He then spent four years managing funds and research at Hinduja Finance, post which he was with Emkay Global Financial Services Ltd. for four years. At Emkay Global Financial Services Ltd., he was the Head of Institution Research for two years and the Head of PMS for another two years. For more than twelve years now, Mr. Rachh has been working for the Reliance Mutual Fund. Mr. Samir Rachh is the fund manager for three schemes. The AUM for these three schemes is over 10,000 crore as of 1 March 2021. Between 2016 and 2021, the schemes managed by Mr. Rachh delivered a maximum yearly return of 21.4%. He manages the Nippon Small Cap Fund, which has returns of over 30% between 2018 and 2020, and the Nippon Small Cap Direct Fund, which has returns of over 33% at the same time. 2. Anju Chhajer Ms. Anju Chhajer is another one of the fund managers at the Reliance Mutual Fund, who has given really high returns to investors over the past few years. She has more than 20 years of experience as a fund manager, the vast majority of which have been spent at the Reliance Mutual Fund. Ms. Anu Chhajer is a graduate of commerce from the Shib Nath Shastri College in Kolkata. She is also a certified chartered accountant. From 1997 to 2007, she was employed at the National Insurance Co. Ltd. Here, she was the treasury in charge and managed the debt investment portfolio that the company offered. In 2007, Ms. Chhajer joined the Reliance Mutual Fund as a fund manager. She is now a Senior Fund Manager at Reliance Mutual Fund. Ms. Anju Chhajer manages a total of 45 schemes at Reliance Mutual Fund, which include a number of different high-performing funds. She has a total AUM of more than 66,000 crores as of 1 March 2021. Between 2016 and 2021, here highest yearly returns have been 19.58%. She managed the Nippon Liquid Fund - IP, which returned nearly 19% between 2018 and 2021. She also manages the Nippon Liquid Fund - Direct, which has returned 19.2% in the same time and has a total asset value of more than 19,000 crores as of 1 March 2021. 3. Vinay Sharma Mr. Vinay Sharma is another prolific expert and fund manager at Reliance Mutual Fund. He has been here for nearly three years now and has been a fund manager for more than a decade. He primarily manages equity funds for Reliance Mutual Fund. Mr. Vinay Sharma graduated from the Malaviya National Institute of Technology in Jaipur with a Bachelor of Architecture degree. Post his graduation, he gained admission into the Indian Institute of Management Calcutta for a Post Graduate Diploma in Computer-Aided Management. He also gained qualification as a Chartered Financial Analyst from the CFA Institute. Mr. Sharma joined JP Morgan Chase as an Equity Analyst in 2004 and was a part of the Asian Banking Research Team. After working there for two years, he joined AIG Investments as an Equity Analyst. Here he managed over USD 500 million in equity funds through the mutual fund and other offshore Indian funds. He was then a fund manager at ICICI Prudential AMC Ltd. from 2010 to 2018. Here, he managed the FMCG sector fund in addition to other large-cap and mid-cap funds. He joined Reliance Mutual Fund in 2018. Mr. Vinay Sharma manages two schemes at the Reliance Mutual Fund, with a total AUM of more than 6,800 crores as of 1 March 2021. He manages the Nippon India Focused Equity Fund, which gave returns of over 17% in 2020. 4. Manish gunwani Mr. Manish Gunwani is a prolific fund manager and also one of the Chief Investment Officers at Reliance Mutual Fund. He has more than 10 years of experience as a fund manager. Mr. Gunwani earned his Bachelor of Technology in Mechanical Engineering from the Indian Institute of Technology Madras, one of Inai's foremost engineering universities. He then went on to earn a Post Graduate Diploma in Management in Finance from the Indian Institute of Management Calcutta. He joined Prime Securities as an Equity Research Analyst in 1996 and handles equity research on the software, FMCG, and banking industries. He was then an Equity Research Analyst at SSKI, covering the software industry before moving on to set up his own venture, named Vicisoft technologies. ViciSoft Technologies created efficient document management solutions for all scales and levels. In 2010, Mr. Gunwani left Vicisoft Technologies to become a SeniorFund Manager at ICICI Prudential AMC Ltd. He has been the Chief Investment Officer for Equities at Reliance Mutual Fund since 2017. The total AUM of Mr. Manish Gunwani is nearly 12,000 crore as of 1 March 2021, with a maximum annual return of 18.75% between 2016 and 2021. He manages 7 schemes, including the Nippon Growth Fund - Direct, which has returned 45.2% between 2018 and 2021. He also managed the Nippon Balanced Advantage Fund - Direct, which has returned 34% in this time. 5. Sailesh Raj Bhan Mr. Saliesh Raj Bhan is one of the most experienced fund managers at Reliance Mutual Fund. The funds managed by him have had great returns in the past years and continue to do so in both the short term and the long term. Mr. Sailesh Raj Bhan has managed a wide variety of funds over the course of his career. He currently manages the Nippon Pharma Fund, which is the largest Indian Pharma Fund. He has been managing this fund since its inception in 2004. He also manages the Nippon Multi-Cap Fund, which has assets of more than 6,000 crores as of 1 March 2021 and has returned over 27% CAGR between 2018 and 2021. Additionally, he is the manager of the Nippon Consumption Fund, which has returned nearly 40% CAGR in this time. The AUM of Mr. Sailesh Raj Bhan is more than 22,000 crore as of 1 March 2021, and he manages a total of 9 schemes. He is also the Deputy Chief Information Officer for Equity at the Reliance Mutual Fund. Why should you invest in Reliance Mutual Fund? The Reliance Mutual Fund is one of the most robust mutual funds of the Indian market. Over the past few years, some of the highest-performing schemes among Indian mutual funds belong to the Reliance Mutual Fund. If you are looking to invest for the long term, Reliance Mutual Fund can be a great option. The Reliance Mutual Fund has always been owned by really strong and stable companies. Before becoming the Nippon India  Mutual Fund, it was the Reliance Mutual Fund owned by Reliance Capital Limited. Reliance Capital was one of the largest financial services holding companies in India, and Reliance Capital Asset Management was the AMC managing the mutual fund. The mutual fund was then jointly owned by Nippon Life Insurance and Reliance Capital, which had a total share of 75% in the company. Nippon Life Insurance bought out the share of Reliance in 2019. A majority stake is now owned by Nippon Life Insurance, which is one of the largest insurance providers in the world. The stability of the companies managing the fund is a dictator of how the fund will do, and the Reliance Mutual Fund gets the top rating in that regard. The Reliance Mutual Fund also warrants investment due to the large variety of financial options it provides for you to invest in. While most mutual funds will only provide you with general debt, equity, and balanced option among schemes, the Reliance Mutual Fund allows you to invest in a gold savings fund and retirement schemes, among others.  The above components make the Reliance Mutual Fund ideal if you want to invest money in your child's education. Mutual funds are the ideal instrument to secure the future of your child. If you have already determined that you want to send your child abroad for studying, you can never be too early in your endeavor to save up for the huge costs that can be involved in ensuring the best education available globally for your child. This becomes all the more important if you want all of your kids to settle abroad. The experience of the mutual fund advisors that the Reliance Mutual Fund will offer you will ensure that you are provided with the soundest financial advice for your goals. With a Reliance Mutual Fund office always located in a city near you, you can simply walk in and choose the type of funds you want to invest in. You can share your financial goals with the advisors of the Reliance Mutual Fund, and based on past performance and future outlook, you will be offered a list of mutual funds that have just the right proportion of risk and reward to suit your needs. Select EduFund For Investing in Nippon India Mutual Fund EduFund provides you with a wide list of options for investment to fulfill your child's educational dreams. It also provides you access to experienced financial counselors that are experts in ensuring that you can make enough to afford the tuition fee for studies abroad. It helps you develop a research-based financial plan customized entirely per your needs and requirements. Furthermore, it provides you access to a number of free tools and calculators that enable you to calculate the cost of education and funding. 

SBI Mutual Fund was set up on June 29, 1987, and was incorporated on February 7, 1992. It is the first non-UTI Mutual Fund - a joint venture between the largest bank of India - State Bank of India and the leading global asset management company in France – AMUNDI. The SBI Mutual Fund Trustee Company Private Limited that regulates the SBI Mutual Fund was set up as a trust under the Trust Act of 1882.   SBI Mutual Fund (SBIMF) offers various solution-oriented financial goals in the form of child education, planning of retirement, etc. Besides long-term investments, SBIMF caters to a myriad of other investment criteria like ETFs, equity schemes, Index Funds, hybrid plans, debt plans, and much more. SBI AMC became the biggest AMC AUM wise in January from the 3rd position. As of July 2020,  SBI mutual fund house manages average assets worth Rs. 3,64,916 crores. The biggest and the best equity schemes of SBI Mutual Fund are SBI ETF Nifty 50 (with assets worth Rs. 67,765 crores) and SBI ETF Sensex ((with assets worth Rs. 26,642 crores). The third biggest fund of the AMC is SBI Bluechip, which is their large-cap fund. The scheme has an AUM of Rs. 20,783 crores as of July 2020. As of 31-Mar-2021, the Corpus under management is Rs. 505373.4637 crores and the number of SBI Mutual Fund schemes is 322. In 20 years of operation, the mutual fund has rewarded its investors beneficially with consistent returns. It has launched 38 schemes and successfully redeemed 15 of them. A total of over 5.8 million investors have invested their faith in the fund and its schemes are consistently outperforming benchmark indices. The Fund manages with over Rs. 42,100 crores of assets reaching out to a vast family of investors through a network of over 130 points of acceptance, 59 investor service desks, 29 investor service centers, and 6 Investor Service Points. SBI Mutual Fund is one of the most revered and trusted AMC - asset management companies, with a consistent track record, in India for the last three decades. Its diligent team of experts and professionals provides the most prudent advice on research, risk management, and stock selection. Important Information About SBI Mutual Fund TrusteeSBI Mutual Fund Trustee Company Private LimitedMD and CEOMrs Anuradha RaoCIOMr Navneet MunotCompliance OfficerMs Vinaya DatarSBIMF Acceptance centers in India222Number of Investors (approx.)5.8 million investorsDeals in Assets worthRs. 373000 croresRecognitionSBIMF is the first to launch a ‘Contra’ fund, called the SBI Contra Fund.SBI Mutual Fund is the first in India to launch an Environment, Social, and Governance - ESG Fund that acts as a sustainable investment.        In 2015, for the first time, the EPF department - Employees’ Provident Fund of India trusted SBIMF Sensex ETFs (Exchange Traded Funds) with Rs. 5,000 Crore.Address9th Floor, Crescenzo, C-38 and 39, G, Block Bandra - Kurla Complex, Mumbai, Maharashtra - 400051.Telephone NumberSBI mutual fund customer care number and SBI mutual fund toll-free number - 1800 209 3333, 1800 425 5425, 91-22-62511600 (from outside India)Email Idcustomer.delight@sbimf.comSMSSBI mutual fund helpline number - 'SBIMF' to 7065611100WhatsApp service of SBIMFThe applicant needs to save the SBI mutual fund WhatsApp number 7208017353 on his contact list and just send a ‘Hi’ to the Distributor from the relevant mobile number that is linked to his Investment number to resolve queries on a real-time basis. Ten Top-Performing SBI Mutual Fund Schemes Some of the best SBI Mutual Fund Schemes are available on EduFund, and after thorough research on the available plans of investment, the applicant can make the right choice of where and how he wants to put his hard-earned capital on. 1. SBI Magnum Mid Cap Fund (Category - Equity - Mid Cap fund) This open-ended fund has a NAV of ₹106.498 (Growth) (as of 23rd April 2021) and is one of the top-performing funds in the 'Equity: Mid Cap category. The fund was launched on 29th March 2005 and has given trailing returns of 30.4% in one year (as of 2020). Key Information Minimum InvestmentINR 5,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 1,000Exit Load0-1 Years (1%),1 Year and above (NIL).Return Since Inception (29th March 2005):15.9% (as of 23rd April 2021)AssetsINR 4887 Crore (as of 31st March 2021)Expense Ratio2.17% (as on 31st March 2021) 2. SBI Contra Fund (Category - Equity - Contra fund) Its aim is to provide the investors maximum growth opportunity through equity investments in stocks of growth-oriented sectors of the economy.  It is a fund with Moderately High Risk that has a NAV of Rs. 150.287 (Growth) (as of 23rd April 2021), and is one of the top-performing funds in the 'Equity: Contra category. The fund was launched on 6th May 2005 and has given trailing returns of 30.6% in one year (as of 2020). Key Information Minimum InvestmentINR 5,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 1,000Exit Load0-1 Years (1%),1 Year and above (NIL).Return Since Inception (6th May 2005)14.9% (as of 23rd April 2021)AssetsINR 1856 Crore (as of 31st March 2021)Expense Ratio2.29% (as of 31st March 2021) 3. SBI Technology Opportunities Fund (Erstwhile SBI IT Fund - Equity - Sectoral fund) Its aim is to provide the investors maximum growth opportunity through equity investments in stocks of growth-oriented sectors of the economy. It is a fund with High Risk and is ranked 42 in the Sectoral category that has a NAV of Rs. 108.207 (Growth) (as of 23rd April 2021), and is one of the top-performing funds in the 'Equity: Sectoral category. The fund was launched on 9th Jan 2013 and has given trailing returns of 47.3% in one year (as of 2020). Key Information Minimum InvestmentINR 5,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 1,000Exit Load0-15 Days (0.5%),15 Days and above (NIL).Return Since Inception (9th Jan 2013)20.6% (as of 23rd April 2021)AssetsINR 595 Crore (as of 31st March 2021)Expense Ratio2.62% (as of 31st March 2021) 4. SBI Magnum COMMA Fund (Category - Equity - Sectoral fund) Its aim is to generate opportunities for growth along with the possibility of consistent returns by investing predominantly in a portfolio of stocks of companies engaged in the commodity business within the following sectors - Oil & Gas, Metals, Materials & Agriculture, and in debt & money market instruments. It is a fund with High Risk and is ranked 9 in the Sectoral category that has a NAV of Rs. 56.2233 (as of 23rd April 2021). The fund was launched on 8th August 2005 and has given trailing returns of 23.9% in one year (as of 2020). Key Information Minimum InvestmentINR 5,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 1,000Exit Load0-1 Years (1%),1 Year and above (NIL).Return Since Inception (8th August 2005):11.6% (as of 23rd April 2021)AssetsINR 320 Crore (as of 31st March 2021)Expense Ratio2.6% (as of 31st March 2021) 5. SBI Small Cap Fund (Category - Equity – Small Cap fund) The Scheme seeks to generate income and long-term capital appreciation by investing in a diversified portfolio predominantly equity and equity-related securities of small & midcap companies. It is a fund with Moderately High Risk and is ranked 4 in the small-cap category that has a NAV of Rs. 80.1244 (as of 23rd April 2021). The fund was launched on 9th Sep 2009 and has given trailing returns of 33.6% in one year (as of 2020). Key Information Minimum InvestmentINR 5,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 1,000Exit Load0-1 Years (1%),1 Year and above (NIL).Return Since Inception (9th Sep 2009):19.6% (as of 23rd April 2021)AssetsINR 7570 Crore (as of 31st March 2021)Expense Ratio2.29% (as of 31st March 2021) 6. SBI Large and Midcap Fund (Category - Equity – Large & Mid Cap fund) Its aim is to provide investors long-term capital appreciation/dividend along with the liquidity of an open-ended scheme. It is a fund with Moderately High Risk and is ranked 20 in the large and mid-cap category that has a NAV of Rs. 284.904 (as of 23rd April 2021). The fund was launched on 25th May 2005 and has given trailing returns of 15.8% in one year (as of 2020). Key Information Minimum InvestmentINR 5,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 1,000Exit Load0-12 Months (1%),12 Months and above (NIL)Return Since Inception (25th May 2005):17% (as of 23rd April 2021)AssetsINR 3629 Crore (as of 31st March 2021)Expense Ratio2.21% (as of 31st March 2021) 7. SBI Bluechip Fund (Category - Equity - Large Cap fund) Its aim is to provide investors with opportunities for long-term growth in capital through active management of investments in a diversified basket of equity stocks of companies whose market capitalization is at least equal to or more than the least market capitalized stock of the S&P BSE 100 Index. It is a fund with Moderately High Risk and is ranked 9 in the Large Cap category that has a NAV of Rs. 50.5466 (as of 23rd April 2021). The fund was launched on 14th Feb 2006 and has given trailing returns of 16.3% in one year (as of 2020). Key Information Minimum InvestmentINR 5,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 1,000Exit Load0-1 Years (1%),1 Year and above (NIL)Return Since Inception (14th Feb 2006):11.3% (as of 23rd April 2021)AssetsINR 26838 Crore (as of 31st March 2021)Expense Ratio1.84% (as of 31st March 2021) 8. SBI Banking and Financial Services Fund (Category - Equity - Sectoral fund) The investment objective of the scheme is to generate long-term capital appreciation to unit holders from a portfolio that is invested predominantly in equity and equity-related securities of companies engaged in banking and financial services. However, there can be no assurance that the investment objective of the Scheme will be realized. It is a fund with High Risk that has a NAV of Rs. 21.7274 (as of 23rd April 2021). The fund was launched on 26th Feb 2015 and has given trailing returns of 4.8% in one year (as of 2020). Key Information Minimum InvestmentINR 5,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 1,000Exit Load0-12 Months (1%),12 Months and above (NIL)Return Since Inception (26th Feb 2015):13.4% (as of 23rd April 2021)AssetsINR 2371 Crore (as of 31st March 2021)Expense Ratio2.44% (as of 31st March 2021) 9. SBI Magnum Tax Gain Fund (Category - Equity - ELSS fund) To deliver the benefit of investment in a portfolio of equity shares, while offering deduction on such investment made in the scheme under section 80C of the Income-tax Act, 1961. It also seeks to distribute income periodically depending on distributable surplus. Investments in this scheme would be subject to a statutory lock-in of 3 years from the date of allotment to avail Section 80C benefits. It is a fund with Moderately High Risk and is ranked 31 in the ELSS Category that has a NAV of Rs. 179.609 (as of 23rd April 2021). The fund was launched on 7th May 2007 and has given trailing returns of 18.9% in one year (as of 2020). Key Information Minimum InvestmentINR 5,00Minimum SIP InvestmentINR 500Minimum Withdrawal-Exit LoadNILReturn Since Inception (7th May 2007):10.4% (as of 23rd April 2021)AssetsINR 9258 Crore (as of 31st March 2021)Expense Ratio2.22% (as of 31st March 2021) 10. SBI Nifty Index Fund (Category – Others - Index fund) The scheme will adopt a passive investment strategy. The scheme will invest in stocks comprising the Nifty 50 Index in the same proportion as in the index with the objective of achieving returns equivalent to the Total Returns Index of the Nifty 50 Index by minimizing the performance difference between the benchmark index and the scheme. The Total Returns Index is an index that reflects the returns on the index from index gain/loss plus dividend payments by the constituent stocks. This open-ended fund has a NAV of ₹122.988 (as of 23rd April 2021) and is ranked 75 in Index Fund Category. It comes with a Moderately High risk. The fund was launched on 17th Jan 2002 and has given trailing returns of 14.6% in one year (as of 2020). Key Information Minimum InvestmentINR 5,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 1,000Exit Load0-15 Days (0.2%),15 Days and above (NIL).Return Since Inception (17th Jan 2002):11.1% (as of 23rd April 2021)AssetsINR 1032 Crore (as of 31st March 2021)Expense Ratio0.68% (as of 31st March 2021) The Best Performing SBI Tax Saving Mutual Fund SBI Tax Saving Mutual Funds provide dual benefits to its investors – one in the form of capital appreciation through equity investments and the other through income tax savings under section 80C. There is a mandatory lock-in period of three years and has the potential for higher returns. The minimum investment is Rs. 500. These are Multi-cap Equity funds with a diversified portfolio. How can you invest in SBI Mutual Fund via EduFund? It is a simple, convenient, and easy process through EduFund to invest in some of the most profitable SBI Mutual Fund Schemes, which involves a hassle-free process. Let us look at the details of the process: Step 1: The first step is to log in using your SBI mutual fund login Id or your EduFund account. The applicant can also download and install the SBI mutual fund app to start investing. If the applicant does not own an account, he would need to create a username password by registering on to the portal. Step 2: The second step is for the applicant to scan and upload identification documents and proofs like Aadhar Card, PAN Card, Passport, Driving License, Voter ID Card or any other ID that is issued by the Central or State Government. Step 3: Further, the applicant must upload his address proof using any legal document that carries the permanent address of the investor. This proof again could be an Aadhar Card, Passport, Bank statement, rent agreement, Phone or Gas Bill, etc. Step 4: Next, he should identify the duration of investment he is interested in and apply it accordingly on the portal. Step 5: After the tenure, the risk undertaking should be determined, whether the applicant wants to opt for low, medium, or high-risk investment. Step 6: As per the choice and market feedback, he can opt for the best SBI Mutual Fund, which is most suitable to his individual choice and criteria. Step 7: The individual has the option to go for a one-time investment or installment. If he wishes to pay the investment amount in a lump sum, he should select the “Invest One Time” button else can click on the “Start SIP” to enable investment which allows monthly/quarterly/bi-annual or annual payments. EduFund is a renowned portal that is registered with AMFI, BSE, and SEBI with zero fees to sign up. The investment logged in by the individual will reflect in his EduFund account within 3-5 business days. Using the SBI Mutual Fund Calculator  The mutual fund calculator SBI helps you estimate the returns which can be expected from the invested capital. The exact amount cannot be guaranteed, but an estimated amount can be calculated using the SBI mutual fund calculator for both Lumpsum and SBI mutual fund SIP payments and to get an appropriate view of the SBI mutual fund statement. Leading Fund Managers at SBI Mutual Fund  The SBI Mutual Fund Investment team is well-equipped with stalwarts of the Finance Sector who have professional experience, qualifications, and knowledge of investment. Some of the leading Fund Managers at SBI Mutual Fund are: 1. Navneet Munot  Executive Director & Chief Investment Officer Mr Munot was the Chief Investment Officer in 2008 when he joined SBI Fund House. Currently, he is the Executive Director and Chief Investment Officer, taking care of investments of more than USD 54 billion. He is a veteran with experience of working with Giants as the former Chief Investment Officer of Birla Sun Life Mutual Funds and as the Executive Director and the Head of the Multi-Strategy Boutique at Morgan Stanley Investment Management. He has given 25 years to the Finance Sector and is a Chartered Accountant and a Charter Holder of the CAIA and CFA Institute. His expertise lies in various sectors of investment, like fixed income, foreign exchange, and hybrid funds. He is an asset to SBI Mutual Funds 2. Ashwani Bhatia  Deputy Managing Director of the SBI, MD & CEO of SBI Mutual Funds  Mr Bhatia started his career at the entry-level as a Probationary Officer in 1985 with the State Bank of India. Currently, he is the Deputy Managing Director of the SBI, and since July 2018, he is on loan to the SBI Mutual Funds Management Board. He is also the MD and CEO of SBI Mutual Funds. Before Corporate Credit Structures were revamped, he was also the Chief General Manager of SBI and was also appointed as the Chief General Manager of the Small and Medium Enterprises - at the bank for several years. He has spent a lifetime in the field of Banking and has commendable experience in International Banking, retail, and credit and treasury. 3. Anup Upadhyay Head of Research at SBI MF Upadhyay started his career in SBI MF as an Equity Analyst and presently he is the Head of Research at SBI MF and the Fund Manager for Equity Opportunity Fund and SBI IT Fund for the IT Service Industry. He is a pass-out of IIT Kharagpur with an additional Post-Graduation Diploma in Management from IIM Lucknow. He has also been a student of the CFA Institute of the USA, where he is a Charter holder. His expertise lies in the area of Media, Telecom, and Capital Good Stocks too. 4. Nicholas Simon Deputy CEO of SBI Life Insurance and the SBI MF Group since 2015 Mr Simon was deputed from the Amundi Group of France, which holds a significant share in the controlling company. Mr Simon has served as the CAAM for Real Estate and CEO of Real Estate from 2006-2015. He represents the interests of the Amundi Group on the Board. He was the Head of Property at Henderson Real Estate in France from 2003-2005 and before that Mr Simon was the CEO of Generali Real Estate from 1996-2002. He has done his Master of Business Management from the Toulouse School of Business and completed his Post Graduation in Law from the Pantheon-Assas University in Paris. He has a recognized exposure to International Banking and vast experience in controlling inflation, market trends, and beating the competition. 5. S. Srinivas Jain   Head of Equity  With an experience of 25 years in the equity market, Mr Srinivasan joined SBI Mutual Funds as a Fund Manager and later became the Head of equity. He has had exposure in the equity market for as long as 25 years. Mr Jain has worked with SBI for almost 20 years, with an overall experience in Financial services for more than 30 years. He is currently appointed as the Executive Director and Chief Marketing Officer of Strategy and International Business at SBI Mutual Funds. He has a background in Cost Accountancy and holds a degree in Graduation in Commerce from Bangalore University. He has a varied experience of working for leading Financial Companies like Motilal Oswal, Indosuez WI Carr, Principal PNB, Oppenheimer & Co. (Blackstone), and Future Capital Holding, managing the funds of SBI Mutual fund directly under him.  Other well-known Fund Managers at SBI Mutual Fund - Mr Sanjeev Patkar Mr Nicholas Simon Mr Rajeev Radhakrishnan Mr D.P. Singh Mr Rahul Mayor Ms Aparna Nirgude Why Should You Invest in SBI Mutual Fund? To invest Online in SBI Mutual Funds, one can choose EduFund to safely put away his money in SBI mutual fund online, which charges no fees or hidden charges. It further helps investors to explore funds and options, gives them a varied outlook on the risk and tenure associated with each investment, provides all-out solutions for investors and clears misconceptions and doubts regarding a return, risk, and consistency before the individual invests his hard-earned money into it. The Funds option within the portal displays the return percentage and the current NAV. Besides that, before investing, a person can filter options like risk rating, value research, consistency, and size of the fund. He can also opt for investing in a lump sum amount or installments. Select EduFund For Investing in SBI 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 screen 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 the best Indian mutual funds, EduFund 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 fulfil your children's educational goals. Download the EduFund app now to start saving for a bright future. 

It has become clear today that global education is one of the best possible decisions for young Indian students. If you are looking to study abroad after the 12th, then you will most likely have to take a general aptitude test. These tests determine your capability and potential for the course or university you are applying to. Aptitude test scores are among several variables that colleges consider when granting admissions.  The SATs and ACTs are the two main general aptitude tests recognized by US universities. Any Indian student looking to study abroad in the US will have to take either one of them. Here is a detailed guide on both. 1. SAT The Scholastic Aptitude Test (SAT) is the most common undergraduate aptitude test taken by students applying to American universities. It is administered by The College Board in the USA, a non-profit organization. This is the test you will have to take if you are planning to study abroad in the US after the 12th. Subject SATs have been discontinued by the College Board. 2. Eligibility You need to have completed 12 years of school education in order to apply for SATs. This means that Indian students who are still in 11th and 12th can also sit for the exam. There is no minimum GPA or other requirements for sitting for the SAT. If you are serious about your study abroad plans, it would be a good idea for you to sit for a practice SAT (PSAT) while you are in 11th before attempting the actual test. 3. Format The SAT has three main components: the reading test, the writing, and language test, and an optional SAT essay. The reading section tests your ability to comprehend, analyze and interpret passages from different subjects. The writing test will require you to fix mistakes and edit passages to make them more sound in grammar and content. The math test includes algebra, problem-solving, and data analysis as well as advanced math, geometry, trigonometry, and equations.  All questions are multiple-choice. The SAT is a paper and pencil test that uses OMR sheets. There is no negative marking. Scientific and graphing calculators are permitted in the math section. The test takes about 3 hours: 65 minutes for the reading test, 35 minutes for the writing section and 80 minutes for math. An extra 50 minutes may be allotted for the optional essay portion The SAT essay is optional but required by certain schools. It involves reading a passage and analyzing it to understand how the author builds an argument and supports your argument with evidence from the passage. The essay tests critical reading and analysis skills. 4. Scoring The maximum possible score achievable in SATs is 1600. This is a combined score from the reading and writing sections (800) and the math section (800). Your option essay will be given a score between 2 and 8. You will also receive a percentile score indicating where you stand in comparison to other students taking the test.  5. Validity SAT scores are valid for admissions to undergraduate courses in all US universities. Non-US universities also recognize SATs but do not consider them necessary criteria. Some private Indian universities also consider SAT scores for admissions. SAT scores are valid for 5 years after the reception of the results.  6. Registration & Fees For students from India and other South Asian countries, the SAT costs $101 without the optional essay component and $117 with the essay. You can either register online through the College Board website or through the mail. For registration through mail, you will have to get the ‘The Student Registration Guide for the SAT and SAT Subject Tests’ which contains the registration form from your school. This form will need to be sent to the College Board alongside a demand draft through the USIEF which is the regional representative for SAT in India. Keep in mind that mailed forms can take up to two weeks to reach their destination and so it is important to maintain adequate buffer time. 7. ACT The American College Testing is another standardized aptitude test administered by the nonprofit ACT Inc. It can be used in lieu of SAT scores if you want to study abroad in the US. It has traditionally been less popular of the two, especially among Indian students aiming to study abroad, but the two tests are usually treated on par by admissions offices. Full-length practice tests for the ACT can be found on their website. 8. Eligibility There are no specific eligibility criteria or age limits for taking the ACT. Students below 13 years of age are generally not allowed to take the ACT but can contact Customer Support to create an exception. 9. Format The test includes four sections: English, math, reading, and science reasoning. There is also an optional writing composition section. The English section will ask you to edit passages to improve grammar, content, and brevity. It tests language usage and rhetorical skills. The math section includes algebra, geometry, and trigonometry. The reading section tests the ability to comprehend long passages, derive meaning, determine cause-effect, draw generalizations and determine the author's narrative voice and method. The science section includes data representation, a research summary, and analyzing conflicting viewpoints. The test takes 2 hours 55 minutes: 45 minutes for English, 60 minutes for the math section, 35 minutes for the reading section and 35 minutes for the science portion. The writing section is optional and is 40 minutes long. Like the SAT essay, the writing section of the ACT is optional and involves writing an essay in response to a given prompt on a broad range of social issues. Students have to analyze three different perspectives given and relate their own opinion to the given perspectives. 10. Scoring Each section of the ACT is scored on a scale of 1-36. This is then averaged to calculate a composite score which is also between 1-36. The optional writing section is evaluated by two different readers who each score it between 1-6 which is added up to a total score which is between 2-12. ACT also has an ELA (English Language Arts) score which you will only be provided if you take the optional writing section. This is a cumulative score, graded on a scale of 0-36 which rates your overall performance in the English, reading, and optional writing section. 11. Validity ACT scores, like SAT scores, are valid for admission in all US universities and are therefore appropriate for students looking to study abroad in American universities. They are valid for up to 5 years from the date of receipt of results. 12. Registration & Fees ACT registration fee for international students from India is $155 for taking the test without the writing section and $166.50 for taking it with the writing section.  Registration for the test can be done through the ACT website or through the mail. For registration through mail, you will have to request a mail packet from your school or through the website. Fill in the details in the form, including choosing a test center and date, and then mail the form to the address mentioned on the form. Keep in mind that it can take up to two weeks for your form to reach its destination by mail. Make sure you have ample buffer time. Conclusion Both the SAT and ACT are mainly meant for students looking to study abroad in the US. Both tests are treated equally by universities and are equal in difficulty. Non-US universities recognize SAT scores but do not consider them essential or necessary. So, if you are looking to study abroad outside the US, it is not essential that you take them.  It is always a good idea to look into higher education counseling when applying to foreign universities. This is especially true when you are fresh out of high school and unfamiliar with the intricacies of education planning. In either case, going to study abroad is certainly an educational adventure. We hope our guides can make this adventure a little bit easier! Consult an expert advisor to get the right plan TALK TO AN EXPERT

If you are a young Indian student wanting to study abroad, you will have to prove your English proficiency. For this, you will have to take a test to prove your proficiency. These exams are essential whether you go to study abroad after 12th or after finishing your graduation. They are also valid in non-English speaking nations as long as the course you are applying for is taught in English. But what are some of the tests you can take and how do you take them? Well, here is a guide to help you with that. Image by Element5 Digital on Pexels 1. IELTS The International English Language Test is conducted by the British Council and IDP in India. This test is for both students seeking to study abroad as well as people looking to immigrate for jobs or other purposes.  Format IELTS involves reading, writing, listening, and speaking tests. The tests are taken on paper or through a computer. Only the speaking test involves face-to-face interaction with a human examiner. The listening section involves listening to an audio recording before writing down your answer. This tests your ability to comprehend spoken English in different accents and contexts.  The test takes about 2 ½ hours to finish, minus the speaking section which can take about 15-20 minutes and may be held on the same day or later depending on examiner availability. Scoring Test takers are scored on a grade scale of 1-9. For most university admissions purposes, a score of 6.5 is the minimum you need to be considered eligible. However, if you want to study abroad for a Humanities program, particularly language, literature or media programs, the minimum score required may be higher, up to a 7 or 7.5. Image by Javier Trueba on Unsplash Validity IELTS is available in Academic and General Training types. The Academic test is the one you will need for study abroad purposes. The General Training type is appropriate for those looking to move abroad for jobs or non-degree school programs. IELTS is accepted by universities in the UK, USA, Canada, Australia, New Zealand and the EU. If you are unsure of whether the school you are applying to accepts IELTS scores, you can use the IELTS website to check. The scores are valid for two years from the date of receiving the results. Fees  The registration fee for IELTS is Rs.14,700. You can register for and book a test through the IELTS website. You will have to go to the designated test location for your test. You will be required to have your passport in hand to register and to present your passport as ID proof at the center while taking the test. Website: https://www.ielts.org/ 2. TOEFL The Test of English as a Foreign Language (TOEFL) is used by universities in the US and Canada to test English language proficiency for aspiring international college students. It is conducted by the ETS or the Education Testing Service of the USA.  Format The TOEFL, unlike the IELTS, is an entirely computer-based test. It also has reading, writing, listening and speaking sections. While the rest of the exam is similar in format to IELTS, the speaking section here involves speaking into a computer that records your voice. This recording is later evaluated by three to six examiners. The exam takes about 3 hours to finish. Image by Scott Graham on Unsplash In light of the COVID-19 pandemic, ETS has also introduced home-based internet testing for TOEFL which involves web-based proctoring by a human invigilator. This is done through screen sharing and webcam.  Scoring Each section of the test is scored out of 30. The highest possible total score is therefore 120. The minimum score requirements differ from university to university and course to course. Anything in the range of 90-100 can be considered a rather safe score. A score above 100 is a very good score and may be necessary if you are applying for language, literature or media programs.  Validity While TOEFL is popular with students going to study abroad within universities in the USA and Canada, schools in the UK, Australia, New Zealand and the EU also often accept TOEFL scores. If you are unsure whether the school you are applying to accepts TOEFL, you can always consult the school’s website or go to the TOEFL website and check. The scores are valid for up to two years from the date of receiving the results. Registration & Fees The registration fee for TOEFL is Rs. 12,750. You will need your passport as an ID document at the time of registration. You can register for and book the test through the ETS website and then either take the test at the designated test center or at home. You will also need to present your passport at the test center on the day of the test. Website: https://www.ets.org/toefl 3. PTE The Pearson Test of English (PTE) is another proficiency test for students looking to study abroad. It is administered by the testing agency Edexcel which is a subsidiary of the Pearson group. The PTE test is entirely computer based and is evaluated by AI rather than human examiners. This eliminates human error or bias in evaluation. Image by Glenn Carstens Peters on Unsplash Format The PTE is a 3-hour test and includes three sections: speaking and writing, reading, and listening. Like the TOEFL, the speaking portion involves recording your verbal response for evaluation later on. The test is evaluated by AI. Scoring The PTE is scored on a scale of 10-90 based on an assessment. For a more detailed understanding of how the AI algorithm allots scores, you can check the PTE’s score guide. A score of 58 in the PTE is roughly equivalent to a 6.5 in IELTS and a 59 is around a score of 87-88 in TOEFL - the very minimum scores considered by most universities for eligibility. Validity The PTE Academic test is used by students looking to study abroad. The PTE Home is for general immigration purposes for families looking to settle abroad. The PTE Academic is accepted by thousands of universities in the Anglosphere. You use the PTE website to check whether or not the universities you are applying to accept it. The scores are valid for two years from the date of receiving the results. Registration & Fees The standard price for a PTE Academic test is Rs.11,610. You can register and book a test for yourself by contacting your nearest test center which can be found through the PTE website. You will need your passport as an ID document at the time of registration. You will also need to present your passport at the test center on the day of the test. Website: https://pearsonpte.com/ 4. Cambridge English Qualification Certifications Cambridge English is a producer and one of the co-owners of the IELTS test. They also conduct other English language qualification tests for various purposes including for schools, general and higher education purposes and business English. These qualifications are both for studying abroad as well as general language certification purposes. Image by Annie Spratt on Unsplash Format The Cambridge English Qualifications are different from the previously mentioned exams in that they are not a single test but offer different certifications based on levels of proficiency. These levels are based on the CEFR standards, that is the Central European Framework of References for Languages. This is an international standard for grading language ability on a six point scale from A1 (beginner) to C2 (completely proficient). A C1 level (CAE or Certificate in Advanced English) or a C2 level (CPE or Certificate of Proficiency in English) are generally required for higher education purposes. An IELTS score of 7 or higher is also considered C1 level proficiency and a score of 8 or higher is considered C2 level proficiency without having to sit for these exams separately. These exams also include reading, writing, listening and speaking sections with the last one conducted through face-to-face interaction with a human examiner. The CAE and CPE exams are quite intensive and take about 3 hours for the reading and writing section, 40 minutes for the listening section and 15 minutes for the speaking test. Scoring The CAE and CPE results are scored on the Cambridge English Scale. You need a score of 180 above to be considered C1 and a score of 200 above to be considered C2. In case you score lower than that, you will still be given a certificate but for a lower level like B2 or B1 which indicate preliminary or basic proficiency. Photo by Kyle Gregory Devaras on Unsplash Validity CAE and CPE are accepted by all universities in the UK. They are also accepted by many universities in the EU, USA and Canada. You can check their website to ensure your school is one of them. The certificates are valid for a lifetime, however, universities may ask for recent test scores - no more than up to two or three years old. Registration & Fees To register for these exams, you will first need to find a test centre near you. Cambridge English Qualification exams are conducted both in paper-based and computer-based modes. You will have to travel to the test centre to sit for the exam. Since the tests differ in fee, you will have to contact the testing centres directly to find out about the fees. Website: https://www.cambridgeenglish.org/exams-and-tests/qualifications/general/ Summing Up This was a detailed guide to every English language proficiency qualification test that you can consider if you are planning to study abroad.It is very important to choose the most suitable test for your needs to avoid your application being rejected. All of the tests listed here are widely recognised and accepted, especially the first two. However, it is important that you do your due diligence as well by checking all individual admission requirements for your prospective schools.

Your dorm room is your home away from home. It is also the first space you get that is entirely your own, away from parents and family. When you study abroad, your dorm room gives you both safety and independence. But dorms can also be pretty cold and dull in their sameness and minimalism. The furniture is usually sparse and utilitarian and space is constrained. This can make your room feel alienating and depressing - if you are wondering how to decorate your dorm room on a budget. So how do you primp up your dorm room on a college student’s budget? Well, lucky for you, we have some smart ways to glam up your room! Image by Marcus Loke on Unsplash How to Decorate Your Dorm Room on a Budget Here is how you can easily amp up your dorm room and can it Insta-worthy- Explore Second-Hand Goods Marketplaces in your neighbourhood Try DIY and crafting Invest in good linens Bring a touch of your old home to the new one Go green and buy houseplants 1. Check Second Hand Goods Marketplaces The first thing you should do when looking for items to decorate your dorm room is check for second-hand goods. You can usually find these online on sites like eBay. You can also visit a nearby flea market or thrift store for cheap, second-hand decor items. Additionally, living on a college campus means you will always find graduating students who are moving out and selling their possessions. Keep an eye out on social media pages and online groups and forums associated with your college for such advertisements.  Second hand goods are a good place to start for decor. They are cheap and usually not fancy enough for you to form an attachment. Remember that as a college student, especially when you study abroad, you will be moving around a lot. You may change dorm rooms several times, you may also move out of student housing altogether. Therefore, it does not make sense to buy expensive or delicate items that can get lost or break during moves. 2. Start Crafting! If you have an artistic flair, there has been no better time to use it. Hand crafted decor pieces not only make your room come to life, they give it a cozy, homey feel. Hand made pieces also give a unique and personalised touch to your room that mass produced, manufactured decor lacks.  Image by Ben Ashby on Unsplash Crafting items for your room can also be a fun project that you can use as a bonding exercise. It can help you have some fun and connect with your new roommates and friends. You can also undertake some crafting projects at home before you come to college and have some bonding time with family and friends. You studying abroad can be hard on your family and friends back home. This can give you some time to connect with them before you leave. Your hand crafted decor does not have to be too fancy or complicated. Upcycle common items like glass bottles and gift boxes into vases, lamps or storage boxes. You can easily find DIY decor tutorials on YouTube and Pinterest. Making decor using upcycled items is not only cost-effective, but it is also eco friendly and sustainable. 3. Bring a Touch of Home If you study abroad, you may want to bring a touch of home with you to your college dorm. This can be as simple as photographs, polaroids and postcards from back home. You can also ask your parents to help you pick out some items from in and around your home that you may have some special connection with. Image by Vladyslav Dukhin on Pexels Studying abroad can become quite lonely and alienating at times. You find yourself in a foreign country with an entirely different culture, entirely different people, lifestyles, etc. Nothing is the same and it can be difficult fitting in at first. Having items, photographs and other memories from back home can help temper the culture shock a little. These items can help ground you and make you feel less lonely and disconnected. Having a connection to home is always a reassuring thing when you study abroad. 4. Invest in Bed Linens Dorm rooms are often quite tiny. There isn’t a lot of space for too many decor items or knick knacks. Usually, your bed is the largest and most significant piece of furniture in your room. It makes sense then, that you should focus primarily on the one item that takes up the most space in your room.  Invest in bed linen that is both attractive as well as practical. Being able to get a good night’s sleep is very important for a college student on tight stressful schedules. Your bed will inevitably become not only your sleeping space but also your chilling out space and, sometimes even your workspace. So, getting comfortable and pretty bed linens and throw-pillows not only helps you feel more comfortable, it makes you feel better. 5. Get Houseplants Houseplants are a great, cost-effective way of adding freshness and greenery to your room. You don’t need to buy a lot of houseplants or planters at once. You can always buy a few easy to take care of plants initially and propagate new ones from them once they have grown a bit. Image by Prudence Earl on Unsplash Houseplants are not just decor items, they are also useful in teaching you a sense of responsibility. A plant is a living, breathing organism that needs care and attention to thrive. Taking care of a plant involves being constantly aware of its every need. You need to make sure it is getting enough sunlight to grow but not burn. You also need to make sure you are watering it properly and adding fertilisers and nutrients in the soil when necessary.  When you go to study abroad, you start learning how to take care of yourself, doing your own chores, errands and budgeting. Getting a plant can teach you how to be responsible and take care of someone other than yourself.  Houseplants are a wonderfully fresh addition to your room, providing both green beauty and fresh oxygen. They also help you become a better, more responsible human being. Key Takeaway Moving into your first dorm room is an exciting time. You have a whole new canvas and a whole new space to make your own. There is no reason to not take full advantage of this opportunity to unleash your creative power. Decorating your new dorm room lets you express your individuality and taste which can be a thrilling new experience for a young adult.  There is no reason, however, for this experience to be a solitary one. In fact, you should make every effort possible to turn this into an opportunity for bonding and creating memories with friends - new and old. This not only makes decorating your room a more fulfilling venture, but it also helps you build connections that make studying abroad worth it!

It is scary graduating from school. You have to make major decisions regarding your career and education that you may not entirely be ready for. Maybe, you are scared, unsure, hesitant. That’s alright. It’s normal for you to be scared when making such major decisions. After all, there are so many things to be decided. Is studying abroad worth it or should you stick to India? Self-financing, scholarships or education loans? Besides, what do you want to do anyway? You don’t have to have these answers all at once. In fact, a gap year is exactly what you need to find these answers. A gap year can give you the time and insight you need to make the right decisions for your career and for yourself. But how do you spend a gap year? Gap Year Explore Getting to Know Yourself The most important thing to do in a gap year is to get to know yourself. What kind of a person are you? What kind of a person do you want to be? What kind of a career do you want? These are questions you may not know the answers to while you are still fresh out of school. Going straight from school to college can be emotionally taxing and cause burnout. It doesn’t give you the space to find out what you really want to do. This is where a gap year can be life-changing. You don’t get dumped from one rat race to the next. Instead, you can take the time to figure out what you want to do. Your parents could be pressuring you to go for a safe field like engineering. But do you have something else in mind? Perhaps you want to go for something less traditional? A gap year gives you the time to figure these things out. It gives you time to come up with an education plan or a career plan for yourself.  Travel Gap year Travel and Explore the World Travel can change you. It is very likely that up until now you have been a very sheltered child and have never ventured outside your parents’ supervision. Well, you are an adult now, and you should go out and experience the world.  Travelling during your gap year will help you grow and mature as a person. Coming out of school, most people are still children. They have never lived on their own or outside their parents’ care. They haven’t learnt how to take care of themselves or deal with people on their own. Travelling helps you meet new people and learn new perspectives. But more than that, travelling teaches you how to plan and organise, how to budget, how to save money, whom to trust and how to think on the fly to overcome a sticky situation. These are all important real-world life skills that are required by an adult. Travel helps you learn how to become a well-rounded adult. Learn a Language or Skill Schools often put an emphasis on just academics. Good academics are necessary for cracking entrance exams and putting forward a shining CV for foreign universities if you are planning to study abroad. However, academics should not be your only skill. If you have not been able to focus on any extracurricular activity or skill outside of your studies, your gap year may be the perfect opportunity for you. You could enrol yourself for a music or dance class, or learn a more practical skill like automobile repair. Gap years can give you the time you always wanted but never had to learn a new skill or language. You could even take beginner level online courses in programming languages, data science, artificial intelligence and other such courses. These courses teach you extra skills and pad your CV. They could also introduce you to disciplines and concepts that you can dabble in, before deciding to pursue them seriously in college.  Learning a language is even more advantageous if you have hopes of studying abroad. It can help you mix in and make friends more easily when you move abroad to study in your dream college or university. Even if you have no plans of studying abroad, having command over foreign languages can help beef up your CV and improve your chances of landing a particular job or university. Gap year internship Take up an Internship You can also garner some work experience during your gap year by taking up an internship. Internships offer practical work experience that schools and colleges are often unable to give their students. The world of academics is often very different from the practical world of the job market. Employers want practical, employable skills that schools often do not teach. This is why an internship can be an invaluable experience for you during your gap year. You can use sites like Internshala to look for internship opportunities in fields that you are interested in. For example, if you are interested in media, you could look for a media house that is looking to hire some interns. By doing this, you learn first-hand the kind of work and responsibilities you can expect while working for a media house before you even start college.  You could also talk to the people at your place of internship to find out what kind of degrees, courses and career paths you can take. An internship is a treasure trove of knowledge, experience, and potentially beneficial professional relationships. Talking Talk to People This is perhaps the simplest yet most important thing you can do during your gap year. You should talk to people and get some advice, counselling and guidance for your career. You need not approach a professional education and career counselling service for this, you can simply talk to the people around you. You should talk to your parents and seniors about your career and education. You should also talk to them about their careers and the steps they took to get where they are. Ask them about what they did right and the mistakes they made, or what they would do differently given the chance. You can learn from their experiences. You should also contact the alumni of universities you want to apply to as well as the universities themselves. Ask them about the admission process, about the student life, and about career prospects. Also, ask them about funding and how students usually go about fundraising for education in these universities. If you want, you can also take the time to see a professional education counsellor.  Talking to people helps you make better decisions about yourself and your career.  A gap year is not really a gap, in fact, it is filled with important lessons and adventures. Good luck to you as you embark on your gap year adventure!

Life today is expensive and getting costlier. Education, housing and other costs of living are certainly not getting any cheaper. Your savings will only take you so far and thus, financial planning and investment have become a necessity today. Education planning in India is getting popular, especially for parents looking to send their kids to study abroad without taking out education loans. If you are a beginner investor, and thinking about child investment plans or other strategies, here are some things you should know. 1. Invest with a plan You should always invest with a plan. It is very important to be clear from the get-go about what your financial goals are. Investments in a house, investments for buying a car, investments for retirement, and investments for child education are all very different financial goals. Some financial goals require short-term planning while others require planning long-term.  For example, buying a car is a short-term goal, while creating a proper education plan for your child or planning for retirement are long-term goals. A diversified short-term investment plan is much more suitable for the former and a long-term investment scheme will be more useful for your long-term goals. If you are a beginner, it can be a good idea to invest with a financial service that manages your investments for you. A personalized and customized financial plan created by experts is useful when you are short on time or expertise yourself. If you want to create a solid education plan for your children, you can invest your money in mutual funds and ETFs through EduFund.  2. Educate yourself about the stock market While it may be tempting to leave everything to the experts and rest stress-free, that is not a very good attitude to have. You should educate yourself about what you are investing in and why. A lot of beginner investors follow trends and invest in whatever is being talked about the most. There is a chance of this being profitable in the short term but this definitely not a good long-term strategy. For that, you will need to educate yourself on the stock market. You need to understand how the stock market works and what it means when a stock rises or falls. What is a stock and what does it mean when you buy a stock? You should also educate yourself on the jargon. What is BSE, NSE, Sensex, Nifty, etc? What is the difference between investing and trading? First-time investors also need to specifically look at what they are investing in and learn as much as possible about it. If you are investing in ETFs, it is important to first understand what an ETF is and why they are so popular with beginner investors.  Sometimes, the experience can also be a teacher. When you enter the market as a rookie, you may make mistakes and suffer losses. Take these losses as a learning experience to understand what to do and what not to do. Knowledge is your friend when you are an investor and not all of this knowledge needs to be bookish. 3. Understand market risk When you invest your money into the market, you can either make a profit or suffer a loss. The more money you have invested, the more your exposure and consequent risk.  Volatile or trendy stocks and options can be risky. Balanced mutual funds, real estate, and high-income bonds are relatively low risk. Bank savings deposits, fixed deposits, and government bonds are the lowest-risk investments. As an investor, what you need to do is determine how much risk you are willing to take. It is always a good idea to start slow. Do not speculate too much too quickly. Rather, plan things out and invest according to your goals. Your risk tolerance will also differ depending on your financial goals. If you are investing to fund your child’s education plan, which is an expensive, long-term investment, you should not take unnecessary risks.  Diversification is a great idea to lower risk as this ensures that your invested principal is not tied up in only one thing. This balances out your risk. Investing in ETFs and mutual funds is a great way to do this. These funds are already diversified and their investment portfolio is structured and balanced to ensure relatively lower risk. 4. Invest in what you know We have recently seen big booms and falls in the prices of certain stocks like GameStop. A lot of people invested in these stocks due to the hype and media attention. While many of them made huge profits, when the stocks eventually fell, many investors ended up losing a lot of money as well.  This is a great example of what happens when you invest out of herd mentality, without fully understanding what you are investing in and why. While these types of investments can be good for a quick and sudden cash fall, they are completely inappropriate as a long-term investment strategy.  When you invest in a stock, you purchase yourself a stake in the company. As a stakeholder, you should do your due diligence about the company and its stocks. Understand how the company makes its money and stays profitable. If you don’t do this, you will not be able to predict or understand when a company’s stock may fall and put you in a financial crisis. If you don’t understand how or why a particular stock shot up, it's not a good investment. 5. Stay calm This is perhaps the most important aspect of investing. The stock market with its highs and lows can lure you into making impulsive, emotion-driven decisions. It is important to have self-control in these matters and stick to proven investment strategies rather than variable market trends. It is also equally important to understand that short-term market fluctuations, by and large, don’t affect your long-term investments in the long run. With financial goals like education plans and home ownership, any rise and fall in stock prices can make you nervous. But it is important to have faith in your long-term investments. If you have done your due diligence and research in picking the right plans and strategies for yourself, the only thing you need to do is relax and keep faith in your investments. Conclusion Investment is a strategy for creating wealth in the long term and requires patience, faith, knowledge, and planning. It is important to educate yourself as much as possible about all relevant issues and keep in touch with experienced advisors and analysts. With good advice, planning, and a solid portfolio, investing can help you achieve your life goals and dreams.

If you are a young college student, newly 18, it is time for you to get your own bank account. A bank account is not just a place to safely stash your money. More importantly, it enables you to make smooth and safe money transfers and transactions. You also have the opportunity to earn interest and thereby compound your savings or investments. As a young adult, you will be learning the basics of financial independence and responsibility. Your own bank account can be your first step towards that goal.  Let's start with the big question. Why should you get your own first bank account? 1. Financial Independence The foremost benefit of having a bank account is that it is the first step towards financial independence. As a teenager, your parents probably monitored and supervised all your financial transactions and purchases. Having your own bank account gives you a lot more discretion and agency over where and how to spend your money. Having this agency is crucial to your learning financial responsibility. Learning to make your own financial decisions and when to say yes or no to purchase is an important life skill. Being in control of your own bank account teaches you this.  2. Security A bank account is the most secure way of keeping and handling your money. Unlike cash transactions, bank transactions are secure and often even reversible. This is because banks take extra steps to ensure that the money is being sent to the right person. You also maintain a paper trail with these transactions. If you fear you have been a victim of fraud, you can even contact your bank to cancel a cheque or transaction. This lowers the risk of you becoming a victim of fraud or losing your money. Image by Annette Lusina on Pexels 2. Receiving payments & scholarships when you study abroad If you study abroad with a scholarship, you will most likely need an independent bank account. To receive these scholarships, stipends, or payments from any part-time jobs you undertake, a bank account is necessary. Having your own bank account means that these payments will come to you directly. Without your own bank account, these monies would have to be routed through a parent or guardian’s account. A major reason why students take the step of studying abroad is to learn independence. An independent bank account is part of this. As a young adult, it is important to be able to feel in control of yourself. Surely, the financial agency in this regard is important.   What kind of bank account do you need? 1. Savings Account There are many types of bank accounts but for most personal banking requirements, a savings account is the most appropriate. A savings account is the most common kind of bank account opened by individuals for personal banking purposes.  There is no upper limit or cap to the amount of money that can be held in a savings account although the number of transactions may have some cap. While most banks require people with savings accounts to maintain some mandatory minimum balance, this requirement is waived for accounts opened under the Pradhan Mantri Jan Dhan Yojana. Fortunately, accounts opened under this welfare scheme have a limit on the value of deposits made and the number of withdrawals, including ATM withdrawals, which are capped at 4 per month. Image by Expect Best on Pexels 2. NRI Account If you study abroad or plan on taking admitted in a foreign university, an NRI account may be a better option for you. These bank accounts are for Indian citizens or Persons of Indian Origin (PIO) residing overseas. These accounts provide benefits in terms of currency conversion, transferability of deposits, taxes, etc. There are three main types of NRI accounts: Non-Resident External (NRE) Accounts - NRE Accounts hold funds in Indian Rupees (INR). This means these accounts can be used to deposit funds in other currencies which get converted into INR. These accounts can be used as savings accounts for income earned abroad as no tax is levied on the interest generated by these accounts.  Non-Resident Ordinary (NRO) Accounts - These accounts can be used to deposit funds in both INR and foreign currencies. If you already have an ordinary resident bank account, you can convert it to an NRO account when you move to study abroad. These accounts can also be used to send money from India to overseas. Interest earned on income in an NRO account is liable for TDS (Tax Deducted at Source). This type of account may be the most appropriate first bank account for you if you plan on going to study abroad.  Foreign Currency Non-Resident (FCNR) Accounts - FCNR Accounts can be opened and maintained in a foreign currency approved by the RBI, including US Dollars, Australian Dollars, Sterling Pound, Euro, etc. These accounts can be used to maintain long-term deposits. The interest earned on deposits in FCRN Accounts is non-taxable. What are the documents needed for your first bank account? The two documents that are mandatory to open a bank account in India are an Aadhar card and a PAN card. Aadhar is the foremost single valid proof of address and identity for Indian citizens. A PAN is a 10-digit unique alphanumeric number used by the Income Tax Department of India to track transactions and payments for tax purposes. These are both needed for KYC requirements. If you don’t have either of these documents, you need to apply for them first. You can apply for an Aadhar online through the UIDAI website and for your PAN through the NSDL website.  If you have your Aadhar and PAN cards, you can either apply for a bank account online or by visiting your nearest branch. You will need to fill the appropriate forms and submit copies of your Aadhar and PAN cards along with two photographs. Depending on the bank other documents may be required and you should check the bank website or call ahead to confirm.  What next? Once you have submitted the appropriate forms and documentation for KYC, the bank should take a day or two to verify your details or reach out for any clarifications or errors. Once your documents are verified and your account is validated, you can receive your Bank Passbook, Cheque Book, and Debit Card from your bank. Your bank will give you a PIN for your debit card which you will be expected to change by selecting a new one through an ATM of the same bank. It is also a good idea to request internet banking facilities be made available to you, especially if you plan on going to study abroad. You may have to fill out a separate form for this.  With this done, congratulations! You now have your own first bank account! Your first bank account is one of the many first steps you will take as you enter adulthood. Consult an expert advisor to get the right plan TALK TO AN EXPERT

Have you ever wondered what the first year of studying abroad looks like? If your education plans involve moving overseas, then you may have harboured some daydreams of what an international education actually feels like.  What does it actually involve? What can you expect? Would it be everything you thought it would be? Is studying abroad worth it? These and a thousand other questions may be swimming in your head. What are some things you can expect in your first year of studying abroad? Well, read on to find out. Image by Frederico Orlandi on Pexels The Initial Euphoria The success of your education plans and study abroad dreams as well as the thrill of setting foot in a brand new country will bring about an initial euphoria. After all, this is what you always dreamed of. It is always exciting to embark on a new adventure. Everything is new, everything is unfamiliar and that brings a sense of discovery and inspiration.  Orientation week can be quite an adventure as you get to explore the campus and meet new people. While these first few weeks can be anxiety-inducing, they are also quite thrilling. You should take advantage of the light workload in these few weeks to explore the city and other surroundings. Talk to your classmates and roommates and go out for parties and outings with them. Once college starts in earnest and the workload increases, you may not have the time anymore. This is the perfect time to make new friends and find new haunts. Connections and discoveries made during this period will be useful to you for your entire college life. The Subsequent Culture Shock Once the euphoria of new adventures fades, you will be hit with culture shock. Starting a new life in a new country comes with a variety of shocks. After all, this is an entirely different place with an entirely different culture. The people here are different, they live differently, act differently, socialising with them is a completely different experience. Not to mention the food, lifestyle, even teaching can be different from what you are used to. It is important to stay in touch with home and family during these times. Being connected to family and friends back home helps with the alienation caused by the culture shock. Image by Ketut Subiyanto on Pexels Along with the culture shock, you may also experience a degree of homesickness when you study abroad. Living away from family and friends can take its toll. Since you are completely new to the country, you don’t have anyone with whom you have a deep connection yet. This means you don’t have anyone to share your feelings and thoughts with.  This loneliness can be combated by keeping in regular touch with those close to you back home. However, sometimes video chats and phone calls don’t cut it. Sometimes you need someone to be physically there for you. Do not hesitate to talk to your college’s counsellor or psychologist. Counselling and guidance can help you overcome culture shock and homesickness. Your college counsellors are also most likely experienced in dealing with international students and their issues.  Remember that the culture shock is temporary and you will soon start to adapt and fit into your surroundings. More Responsibilities College life brings you a new set of responsibilities. The fact that you now live on your own means that you will have to deal with these responsibilities on your own. You no longer have your parents to rely on for emergencies. You have to develop the life skills and confidence to deal with issues on your own.  Image by Breakingpic on Pexels You will have to learn to do your own chores and run your own errands. You will also have to learn how to create your own budget. Now that you live on your own, you will need to learn to become a responsible adult. You may also have to take up a part-time job or a side hustle.  College life will be your first step into responsible adulthood. This will include learning new skills both big and small, from doing your own laundry to creating financial plans and budgets. All of these skills, big and small, make you a well-rounded adult. Embracing Multicultural Learning Embracing a global education also means embracing a multicultural education. The diversity of cultures, nationalities and ethnicities in foreign universities makes study abroad a learning experience in more ways than one.  Just like the culture shock of landing in a new country, the culture shock of a multicultural classroom can initially be a bit much. However, you will soon discover the benefits of multicultural learning. In a classroom with people of different ethnicities, you will get more well rounded and diverse views on the same topics. This makes learning in an international environment a much more wholesome educational experience. Being in a multicultural environment also helps you develop versatile social skills. Interacting with diverse people will help you understand how to make friends and connect with people across social and cultural boundaries. This can be a big advantage for you when you enter the job market. Multicultural experiences make you more desirable for companies that operate internationally or have a global clientele. Acceptance The first year of studying abroad can be challenging. With the culture shock, the struggle of juggling classes and coursework with non-academic responsibilities, and the many other struggles, hopefully, you will reach acceptance.  Image by William Fortunato on Pexels At the end of your first academic year abroad, you should be able to accept and embrace your new life as an international student. This is the final stage of any new life adventure. This is when you have discovered all the possibilities as well as limitations of your new life and learnt how to adapt to them. You will have met new people, formed new connections and settled into life in a foreign country. Only it's not so foreign anymore, is it? You now have a new home.  Studying abroad is a process of discovering yourself and discovering new homes for yourself. You find new niches that you are good at, and meet new people that you relate to, sometimes unexpectedly. All of this enables you to accept not only your new life but your new self. Bottomline Going to study abroad can be both challenging and intimidating. College is scary by itself for new high school grads. When you add in the stress of acclimating to a new country and a new cultural environment, it can all seem a little much.  Your attitude matters when it comes to international education. You need to look at it as a new adventure. It is an adventure that will give you some grief but eventually help you become an adaptable, resilient and versatile individual.  We believe in you!

When you study abroad, financial responsibility is an important life skill to learn. The first step to becoming a responsible adult is learning how to manage your finances. If you have read our guide to budgeting, you probably have an understanding of the basics of financial planning and budget making. However, unless you learn how to manage your spending habits, you may find your financial planning and budgeting to be futile. Learning how to spend wisely enables you to remain true to your budget and helps you develop financial responsibility.  Here is our guide to spending wisely so that your finances can back up your education plans and dreams.  Guide to spending wisely 1. Recognise & cut unnecessary expenses It is common for young college students to simply not be aware of where their money is going. This is not something to be embarrassed by, you are still young and inexperienced, but it is definitely something to take notice of and correct. You should know what you are spending your money on and if those expenses are justified. A financial plan and personal balance sheet may be very helpful resources in tracking these expenses. Once you do have a list of your expenses, pick out the ones that you know are unjustified. Be firm and disciplined in this, do not cut yourself any slack. If required, you can ask a parent, a trusted relative, or an older sibling to help you pick out your unnecessary expenses. Once these expenses have been sorted out, it is your responsibility to cut down on them. Unnecessary expenses commonly include things like eating out at restaurants too frequently, too many subscriptions to streaming services, and unnecessary shopping and gaming. This is not to say that you should not spend on these things at all. You should certainly indulge in some discretionary spending, but it is important to be able to keep it as minimal as possible. 2. Make shopping lists Planning your purchases in advance is a great way of managing your discretionary spending and avoiding impulsive purchases. You should certainly plan all big purchases, like electronic devices for vehicles, but even for relatively small purchases, it helps to have a shopping list. Make shopping lists when you go to buy groceries or when you go to the mall for clothes shopping. Stores are often constructed in a way that they captivate customers and entice them into making impulse purchases. By having a shopping list or at the very least a shopping budget or allowance, you force yourself to stay focused and consider your items thoroughly before you purchase them. Shopping lists also help you pick exactly what you need and leave the store quickly. This reduces the chances of making an impulse buy. 3. Use student discounts & campus facilities Going to study abroad has benefits, amazing campus infrastructure and amenities are just one of them. Foreign universities have sprawling campuses with facilities like recreational centers, gyms, swimming facilities, game centers, etc. As a student there, especially if you live in the dorms, you will have full access to these facilities. It is a good idea to make full use of these. You are already paying tuition and other fees to attend college, it only makes sense to get your money’s worth. In addition to using these campus facilities, you should also make use of student discounts wherever you can. A lot of restaurants and cafes around college campuses offer student discounts as do places like hair salons and beauty parlors. You can access public transport for free or at a much more discounted rate if you get a student pass. Similarly, many airlines offer student discounts for college students traveling to see their families. This can be of special help for you when you study abroad. 4. Pay your bills on time You may be forgiven for not knowing this as a young adult, but every time you don’t pay a bill on time, it accrues late fees. Not paying your rent, utility bills, or library dues on time can cause you to accumulate late fees and surcharges that can easily overturn your entire budget. It is important to avoid these late fees at all costs. Set reminders for yourself for all upcoming billing dates and pay your bills before that date. Most bills are due by the first week of any given month. On the last week of each month, make a list of all your bills and set aside money for them even before you have received any. As soon as you receive your allowance from your parents or scholarship, or as soon as you get paid from your part-time job, pay your bills.  Late fees are not only a needless financial drain, but they can also seriously affect your credit scores and make it difficult for you to rent a house or get any credit or education loans in the future. Paying your bills on time is not only important to stay out of debt, it is also a good monetary habit crucial for any adult.  5. Avoid retail therapy Retail therapy is probably the easiest way of picking up your spirits when you are down. It is also one of the easiest ways to develop a shopping addiction and fall into debt. This is especially true if you use credit for shopping online or in stores.  Shopping when you are in a bad mood is a bad idea. Buying new things gives us a short rush of endorphins. This means you are more likely to make impulse purchases or buy things you don’t need. Shopping when you are intoxicated or late at night when you are sleep deprived or stressed is an equally bad idea because your judgment will most likely be impaired. This encourages you to make bad purchase decisions that can overstretch your budget and cause big regrets down the line. Image by Andrea Piacquadio on Pexels A much better way to deal with your emotions when you are feeling low is to go for counseling. Your college probably already has facilities for counseling students and you should make good use of those facilities. When you study abroad, away from your parents, families, and support systems, it is easy to fall into despair or depression. Appropriate counseling and guidance can help you deal with those feelings in a healthy way. Key takeaways Learning how to spend wisely and inculcating good monetary habits are crucial life skills for any young adult. Not all lessons you learn in college will be learned inside a classroom. Some lessons you will have to teach yourself through self-experience. Financial accountability and responsible spending habits are one such lesson. While it may all seem too complicated and too much right now, it is all part of growing up and becoming a sensible and responsible adult! 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College can be expensive, especially when you are studying overseas. The education fund investment and planning your parents undertook for you should be enough to cover your tuition and housing. However, a side hustle can help you earn some extra disposable income to offset an overstretched budget. Here are some side hustle ideas for college students across the globe! Easy Side Hustle Ideas for College Students A side hustle is basically a part-time job that you can do in your free time when you are not engaged in classes or coursework. You need to pick a job that is easy, requires skills you already possess and fits into your schedule as a college student. 1. Freelancing Freelancing can be an easy and flexible side hustle for college students. Freelancing involves offering your skills or services for hire on a contract or project to project basis. Depending on your skill set you can freelance as an artist, a writer, a programmer or developer or a translator. Freelancer marketplaces and platforms like Fiverr and Upwork let you take up projects and clients on a flexible schedule which is perfect for students. Additionally, freelance work can be done remotely and you do not need to go to an office. This is great for students who study abroad and may not have a car or a license. 2. Tutoring Tutoring is a great option for you if you like working with kids or teaching. You can offer personalised tutoring services for highschool students, especially students who are starting to apply to colleges. These students can benefit from your experience with college applications and admissions. You can offer them both education and mentorship.  If you are studying abroad and worried about not being able to connect with non-Indian students, or if you do not have a car to move around, you can offer to tutor online. Holding online classes saves you time and enables you to offer your services to a much larger potential demographic. 3. Sell Hand-made Crafts & Products If you are creatively inclined and skilled in arts and crafts, you could make some money selling your work online. Products like hand-made candles, soap, decor and knickknacks sell really well on marketplaces like Etsy and through social media. You can start by starting an Instagram or Facebook page advertising your products to students on your campus. After that, you can expand your little business on other platforms.  Keep in mind that your college may have rules or guidelines in place if you are starting your business from your dorm room. If you are making products like soap, that involve harmful chemicals, you may have to get special permission and take appropriate precautions. 4. Get A Retail Job Retail jobs are jobs that involve selling products or dealing with customers or inventory in a retail store. These jobs have been traditionally popular with students who go to study abroad. You can work as a sales representative, as a stockist, or as a cashier.  These jobs may seem like they are trivial or unsubstantial, but they teach you a lot of real-world skills that you can later bring to the job market when you graduate. They teach you the basics of sales, inventory, accounting, and customer management. They also give you the experience of working in a real workplace environment with co-workers, managers and bosses. Retail jobs can be a real learning experience. 5. Get A Restaurant Job Jobs working in a cafe, restaurant or coffee shop are also popular with college students who study abroad. In fact, you may not even have to go off-campus for one of these jobs. Usually, cafes and coffee shops on college campuses have barista, wait staff or line-cook jobs available for students.  The benefit of restaurant jobs, especially if you are a server or wait staff is that you can earn money on top of your salary through tips. This makes these jobs quite lucrative. Like retail jobs, restaurant jobs can also teach you valuable skills like customer management, order management and accounting.  6. Food Delivery Service If you have a vehicle, like a car or even a bicycle, you may be able to work as a food delivery person. You can work with a restaurant directly or work through a food delivery service application. These jobs can pay well and, just like with waitering, you can expect to rely on tips as well which can be lucrative. A downside of food delivery is that it can be time-consuming and involve a bit of travel. However, college campuses house hundreds of students and faculty who tend to order a lot of food. This means you may not even have to travel to far-flung areas to deliver your orders. Your location may be able to offset some of the downsides that are usually typical of food delivery gigs. 7. Library Assistant If you are an international student with big study abroad dreams but not enough knowledge of the job market in a foreign country, you may like to work close to campus. Campus libraries are always looking for extra help with reshelving books and managing the lending software.  A library assistant job will keep you close to campus so you do not have to worry about traveling to and fro and missing classes. It can also be extremely rewarding, especially if you are a book lover. Being familiar with your college library will also be useful during exams and assignments. You may even be able to snag important and popular books before someone else issues them out! 8. Get Paid For Taking Online Surveys Marketing research companies are constantly looking for data on consumer behavior and preferences to improve their products and advertisements. These companies often pay people to take surveys for them so that they can sell this data to product designing and manufacturing companies and ad agencies. This is a good side hustle that does not even require you to leave your dorm room. You can squeeze in some questionnaires and short surveys in your free time and get paid for them! Bottomline Your parents have, no doubt, given you everything to the best of their ability, investing in education fund trusts and taking on education loans for your future. However, as you grow into adulthood, it is time for you to start learning to take responsibility for your own income. One of the things that makes your decision to study abroad truly worth it is the independence and self-sufficiency it teaches you. A part-time job can teach you the hard work it takes to earn real money out in the world. Being on your own in a foreign country is a unique adventure that you should take full advantage of. A side hustle can be part of that adventure!