Introducing Grip Mutual Funds: Your Gateway To Smart Investing

India’s mutual fund industry continues to see robust growth, with assets under management (AUM) surpassing INR 72 lakh crore as of May 2025. This marks the increasing adoption of mutual funds as a mainstream investment option among Indian investors¹.

Grip Invest has always believed in smart investing strategies. And now, we have launched a carefully curated selection of debt mutual funds, giving you smarter, seamless access to India’s most trusted investment instrument, right alongside your corporate bonds and SDIs, all in one place!

Why Mutual Funds? Why Now? 

Earlier, mutual funds were something only experienced investors or financial advisors would explore. But that is changing fast today. Today, with growing financial awareness, easy online access, and flexible investment options like Systematic Investment Plans (SIPs), mutual funds have become a go-to choice for everyone. 

In India, the total number of mutual fund folios reached 23.45 crores in fiscal 2025, which has grown from 17.78 crores in fiscal 2024, which means an on-year rise of ~32%². The market has witnessed a steady increase in investor accounts since 2009.

With the growing number, even first-time investors in their 20s are starting with SIPs, and this trend is now booming.

Modern investors want more convenience, more control, and more fixed-income choices. You should not need multiple platforms to build a secure, goal-based portfolio. With the launch of Debt Mutual Funds on Grip, you can now invest in FDs, Bonds, SDIs, and Debt MFs–all in one place.

What Is Different About Mutual Funds On Grip?

Grip offers a seamless way to explore debt mutual funds along with bonds and other SEBI/RBI-regulated debt instruments.

Here’s what sets the Mutual Fund on Grip apart:

1. One App. All Assets: No more juggling between apps to manage your investments. With Grip, you can now access bonds, SDIs, and mutual funds, including a curated range of debt mutual funds, in one seamless experience.

2. Simple And Transparent: The platform is designed to make it incredibly easy for every kind of investor to discover stable, income-focused options for consistent investing. 

3. Funds Managed By Marquee Asset Managers
All mutual funds listed on Grip are offered and managed by SEBI-registered, reputed asset management companies known for their track record and credibility in fixed-income fund management.

4. Thorough Due Diligence
Every fund available on the platform goes through a comprehensive due diligence process, evaluating historical performance, risk metrics, and underlying assets, so you invest with confidence.

5. Low Minimum Investment
Start investing with as little as INR100. Grip aims to make mutual fund investing accessible and inclusive without compromising on quality.

6. Zero Commission
Invest with full transparency. Grip does not charge any commissions, so your money goes directly into the fund with no hidden cuts.

7. Diverse Fund Selection
From liquid and ultra-short duration funds to dynamic bond funds and credit risk funds, you will find a variety of debt mutual funds curated for different financial goals and risk profiles.

While there are many mutual fund types in India, Grip’s initial offering focuses on the best debt mutual funds that invest in government securities, bonds, and other fixed-income instruments.

Mutual Fund Categories Now Available on Grip

To help you invest better, here are four curated categories of mutual funds, all focused on debt mutual funds that match different time horizons and risk appetites:

1. Liquid Mutual Funds

Liquid mutual funds invest in money market instruments with maturities of up to 91 days, making them a smart alternative to savings accounts or bank deposits. These funds are relatively stable and low-risk. On average, liquid mutual funds offer returns of 6–7% over a 1–3 year period (as of July 4, 2025)³

Available Liquid Mutual Funds On Grip:

• Aditya Birla Sun Life Liquid Fund
• HDFC Liquid Fund
• ICICI Prudential Liquid Fund
• Nippon India Liquid Fund

2. Dynamic Bond  Funds

Dynamic bond funds invest in debt securities across various maturity profiles. They actively manage portfolios by shifting between short- and long-duration instruments based on interest rate trends. 

These are interest-rate-sensitive funds and are suitable for investors looking to benefit from rate movements without active management. Average returns are around 7–9% over 1–3 years (as of July 4, 2025)⁴

Available Dynamic Mutual Funds On Grip:

• Aditya Birla Sun Life Dynamic Bond Fund
• Axis Dynamic Bond Fund
• Nippon India Dynamic Bond Fund

3. Short Duration Debt Mutual Funds

Short-duration debt mutual funds invest in instruments with maturities ranging from 1 to 3 years, offering a balance between risk and return. They are generally less sensitive to interest rate volatility than long-duration funds. These funds typically yield 7–10% over 1–3 years (as of July 4, 2025)

Available  Short Term Debt Mutual Funds On Grip:

• Aditya Birla Sun Life Short-Term Fund
• HDFC Short-Term Debt Fund
• Axis Short Duration Fund
• Nippon India Short-Term Fund

4. Credit Risk Mutual Funds

Credit risk mutual funds invest primarily in lower-rated corporate bonds, offering higher yield potential. These funds allocate a minimum of 65% to corporate bonds rated AA and below⁵. While they carry higher credit risk, they can offer attractive yield spreads. Average returns are 9–12% over 1–3 years (as of July 4, 2025).

Funds available on Grip have been selected through rigorous credit screening to balance risk and reward. Each of these categories offers diversified, risk-calibrated, and potentially tax-efficient options, especially useful for investors looking to balance equity-heavy portfolios.

Available Credit Risk Mutual Funds On Grip:

• Aditya Birla Sun Life Credit Risk Fund
• ICICI Prudential Credit Risk Fund
• Nippon India Credit Risk Fund
• HDFC Credit Risk Fund

How To Invest In Mutual Funds On Grip: A Step-by-Step Guide

Getting started with debt mutual funds on Grip is simple and fully digital. Here is how you can begin your investment journey in just a few minutes:

Step 1: Register or Log In to Grip
If you’re a new user, sign up on Grip using your mobile number and email ID. Existing users can log in directly.

Step 2: Complete Your KYC
To invest in mutual funds, ensure your KYC is completed. Grip makes this process quick and fully digital. You’ll need your PAN, Aadhaar, and a few personal details to get started.

Step 3: Go to the Invest Tab

From the Grip homepage or app dashboard, tap on the ‘Invest’ tab. You’ll find a dedicated section for Mutual Funds alongside Bonds and SDIs.

Step 4: Choose Your Mutual Fund

Browse through the curated list of debt mutual fund options. Select the one that matches your investment goal and time horizon.

Step 5: Select SIP or Lump Sum

Choose whether you want to invest via SIP or Lump Sum. Enter the investment amount and select your preferred payment mode—either UPI or Net Banking.

Step 6: Fill in Nominee Details 

A dialogue box will open asking for the basic information of the nominee:

• Full name
• Mobile number
• Nominee identity Type
• Nominee identity number

Provide the above details of the nominee and add it via OTP.

Step 7: Complete Your Payment

After confirming the nominee details, you’ll be redirected to a secure payment gateway. Complete the payment to finalise your investment.

Step 8: Track Your Mutual Funds

That’s it! You can now view all your mutual fund investments anytime under the ‘My Transactions’ section on Grip.

Conclusion

With the introduction of mutual funds, Grip is evolving into a one-stop destination for modern Indian investors. If you're planning to invest in short-term goals or build long-term wealth, Grip Invest now assists you in investing across bonds, SDIs, and debt mutual funds, all in one place. 

Explore more about Grip Mutual Funds and build your future-ready portfolio with Grip Invest.

FAQs

Q1. Is SIP better than a lump sum for mutual fund investment?

Depends on your financial situation. SIPs allow you to invest regularly and average out market volatility, making them a popular choice for salaried individuals. Lump sum investments can work well if you have a large amount to invest.

Q2. Are mutual fund returns guaranteed?

No, mutual fund returns are not guaranteed. However, debt mutual funds typically offer more predictable returns than equity funds due to their exposure to fixed-income instruments like bonds.

Q3. How are mutual funds taxed in India?

Mutual fund taxation in India depends on the type of fund and holding period. For debt mutual funds, gains are taxed as per your income tax slab rate, irrespective of how long you hold the fund. This was revised under the new mutual fund taxation rules in India, effective from April 2023.

References:

1. Association of Mutual Fund India, accessed from:  https://www.amfiindia.com/indian-mutual
2. Association of Mutual Fund India, accessed from: https://www.amfiindia.com/Themes/Theme1/downloads/AMFI_AnnualMFReport2025.pdf
3. Morning Star, accessed from: https://www.morningstar.in/tools/mutual-fund-category-performance.aspx
4. Morning Star, accessed from: https://www.morningstar.in/tools/mutual-fund-category-performance.aspx
5. Association of Mutual Fund India, accessed from: https://www.amfiindia.com/investor-corner/knowledge-center/SEBI-categorization-of-mutual-fund-schemes.html

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Disclaimer - Investments in debt securities/municipal debt securities/securitised debt instruments are subject to risks including delay and/ or default in payment. Read all the offer related documents carefully. The investor is requested to take into consideration all the risk factors before the commencement of trading.
This communication is prepared by Grip Broking Private Limited (bearing SEBI Registration No. INZ000312836 and NSE ID 90319) and/or its affiliate/ group company(ies) (together referred to as “Grip”) and the contents of this disclaimer are applicable to this document and any and all written or oral communication(s) made by Grip or its directors, employees, associates, representatives and agents. This communication does not constitute advice relating to investing or otherwise dealing in securities and is not an offer or solicitation for the purchase or sale of any securities. Grip does not guarantee or assure any return on investments and accepts no liability for consequences of any actions taken based on the information provided. For more details, please visit www.gripinvest.in

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