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Mutual Fund Basics

Understand mutual funds from scratch — how they work, types of funds, NAV, costs and how to invest in India.

What is NAV in a Mutual Fund? NAV in a mutual fund is the per-unit value of the fund, calculated daily as net assets divided by units outstanding. It tracks how… 5 min read
How is NAV Calculated for a Mutual Fund? The Net Asset Value (NAV) of a mutual fund is calculated by taking the total value of all its assets, subtracting all its liabilit… 5 min read
Can a Mutual Fund Go to Zero? While a mutual fund can lose value, it is practically impossible for it to go to zero. This is because a mutual fund is a diversif… 5 min read
Can I Lose All My Money in a Mutual Fund? Losing all your money in a mutual fund is extremely rare because funds hold diversified portfolios of many securities and are tigh… 5 min read
What Happens to My Mutual Fund After I Die? When you die, your mutual funds are transferred to your nominated beneficiaries or legal heirs. The process is much simpler and fa… 5 min read
Mutual Fund vs NPS — Which Builds More Wealth by Retirement? Mutual funds, especially equity-focused ones, generally offer higher wealth building potential due to greater market exposure. NPS… 5 min read
How Mutual Funds Are Better Than Saving in a Bank Account Mutual funds outperform bank savings accounts over time because savings accounts earn 2.5-4% interest that barely beats inflation,… 5 min read
Who Owns the Money in a Mutual Fund? Investors, not the fund company, own the money in a mutual fund. Your investment buys you units, which represent a proportional ow… 5 min read
AMC vs Fund House — Are They the Same Thing? Yes. In Indian usage, AMC and fund house mean the same company that manages a set of mutual fund schemes. AMC is the regulatory te… 5 min read
Is Investing in a New Fund Offer (NFO) a Good Idea? Investing in a New Fund Offer (NFO) is generally not a good idea for most investors, especially beginners. NFOs lack a performance… 5 min read
What is Side-Pocketing in Mutual Funds? 5 min read
What is CAGR in Mutual Funds? CAGR, or Compound Annual Growth Rate, shows the average annual growth of a mutual fund investment over time, assuming profits are … 5 min read
What is XIRR in Mutual Funds and When to Use It? XIRR in mutual funds is the true annualised return on investments made on different dates and in different amounts. Use it wheneve… 5 min read
What Does It Mean When a Mutual Fund Underperforms Its Benchmark? When a mutual fund underperforms its benchmark, it means the fund has delivered a lower return than the market index it is measure… 5 min read
How to Minimize Costs When Investing in Mutual Funds Minimizing costs when investing in mutual funds is key to boosting your long-term returns. You can lower these costs by choosing d… 5 min read
How to Read Mutual Fund Returns on a Fund Website Reading mutual fund returns means matching the period, the type (absolute or CAGR), the benchmark, and the cost ratio. Use rolling… 5 min read
What is the Difference Between Expense Ratio and Exit Load? The main difference is that an expense ratio is an annual fee charged for managing the mutual fund, which all investors pay. An ex… 5 min read
What is Average Maturity in Debt Mutual Funds? Average maturity of a debt mutual fund is the weighted time until its bonds are repaid. It sets how the NAV reacts to interest rat… 5 min read
What is LTCG and STCG Tax on Mutual Funds? LTCG is tax on long term gains from mutual fund sales, while STCG is tax on short term gains. Equity funds use a twelve month line… 5 min read
Is Expense Ratio Charged Daily or Annually? A mutual fund's expense ratio is an annual fee, but it is calculated and deducted from the fund's assets daily. This means the Net… 5 min read
What Are the Different Types of Mutual Funds in India? A mutual fund is a pooled investment vehicle managed by professionals on your behalf. In India, mutual funds are mainly classified… 5 min read
What is ELSS — Tax Saving Mutual Fund? An Equity Linked Saving Scheme (ELSS) is a type of mutual fund that allows you to save on income tax under Section 80C. It invests… 5 min read
What is an Overnight Fund? An overnight fund is a type of debt mutual fund that invests in securities with a one-day maturity. It is considered one of the sa… 5 min read
Is an Arbitrage Fund Better Than a Liquid Fund? An arbitrage fund often beats a liquid fund on after-tax return for high-slab investors holding money over three months, thanks to… 5 min read
How to Check Mutual Fund Account Balance Online You can check your mutual fund account balance online through the AMC website, CAMS, KFin, MF Central, or aggregator apps like Kuv… 5 min read
How to Open a Mutual Fund Account for a Child To open a mutual fund account for a child, the parent or legal guardian must complete the KYC process for both themselves and the … 5 min read
How to Convert a Minor Mutual Fund Account to Major Converting a minor mutual fund account to a major account requires submitting a specific conversion form to each fund house, compl… 5 min read
How to Invest in Mutual Funds as a Salaried Employee As a salaried employee, you can invest in mutual funds by setting up a Systematic Investment Plan (SIP) to make small, regular con… 5 min read
How to Choose Between Direct Plan and Regular Plan as a Beginner A Direct Plan is generally better for beginners as it has a lower expense ratio, which leads to higher returns over time. A Regula… 5 min read
How to Invest in Mutual Funds If You Are Self-Employed Self-employed individuals can invest in mutual funds by first completing their KYC online. They should then choose funds based on … 5 min read