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Mutual Fund In India

Access SEBI-regulated mutual funds managed by professional fund managers from leading AMCs. Start a SIP or invest a lump sum.

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  • SEBI-Regulated Schemes
  • SIP from INR 100
  • 100% Digital KYC
AT A GLANCE
Mutual Funds
₹ 100
Minimum Investment
1900+
Investors
₹ 106 Cr+
Investment Enabled
ABOUT MUTUAL FUNDS

What Are Mutual Funds?

  • Mutual funds pool money from multiple investors into SEBI-regulated schemes, where professional fund managers invest across securities according to each scheme’s stated objective, strategy and risk profile.

  • Mutual funds in India work in a three-tier structure - a sponsor, a trustee and an asset management company (AMC). The trustee holds assets in trust for unitholders.

  • Investors get units for their investments in the mutual fund scheme. The value of each unit is reflected as Net Asset Value (NAV), which is declared on every business day.

  • India’s mutual fund industry has grown about 465% in a decade, with AUM rising from INR 15.18 trillion in July 2016 to INR 85.76 trillion in July 2026 (Source: AMFI).

  • With 1,800+ open-ended schemes, India’s mutual fund universe spans a wide range of asset classes and investment approaches, giving investors plenty of choice.

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Mutual Funds
fdWorks
Regular Bank FDs
Return type
Market-linked; varies by scheme
Fixed at the time of booking
Capital protection
Not applicable; value moves with markets
Principal insured by DICGC (up to INR 5 lakh)
Investment Mode
SIP or Lump sum
Lump sum
Liquidity
High
Moderate
Tenure
Flexible
Fixed
Investment Decisions
Fund manager-led
No active management
LIVE MUTUAL FUNDS ON GRIP INVEST
Invest in Mutual Funds starting from just INR 100
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REASON AND BENEFITS

Advantages Of Investing In Mutual Funds?

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Professional Management

A qualified fund manager and research team handle security selection and portfolio review.

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Risk Diversification

Exposure spreads across multiple securities and sectors, so no single holding determines performance.

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Accessibility

SIPs start from as little as INR 100; lump-sum investments typically from INR 1,000.

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Redemption Access

Open-ended schemes accept redemption on business days, subject to exit load and applicable lock-ins.

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Regulatory Framework

SEBI-regulated, with daily NAV, monthly portfolio disclosure and a scheme-level Riskometer.

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Key Types
Types Of Mutual Funds
  • Equity Funds: Equity funds invest mainly in company shares. Their focus is capital growth, with returns and risk shaped by movements in the stock market.
  • Debt Funds: Government securities, corporate bonds and other fixed-income instruments form the core of debt funds. Their risk and return profile varies with credit quality and interest rates.
  • Hybrid Funds: Equity and debt come together within a single scheme. The allocation can vary considerably, creating options ranging from equity-heavy portfolios to more conservative combinations.
  • ELSS (Equity Linked Savings Scheme): Equity funds eligible for deduction under Section 80C, with a three-year lock-in - the shortest among 80C options. Available only under the old tax regime.
  • Index Funds and ETFs: Track a market index rather than picking securities actively. Costs are typically lower; ETFs trade on exchanges and require a Demat account.
  • Solution-Oriented Funds: Retirement and children’s funds fall under this category. They are structured around specific long-term goals and generally carry lock-in requirements defined for the scheme.
  • International Funds: These funds invest outside India, providing access to overseas companies, sectors and markets while adding currency movements and global market conditions to the investment equation.
  • Other Types: The mutual fund universe also includes funds of funds, money market, multi-asset and other schemes built around specific strategies or exposures.
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For your knowledge

Risks Of Investing In Mutual Funds

  • Market Risk: Mutual fund values can fall when equity or bond markets decline. Short-term movements may be sharp, particularly in schemes with higher exposure to volatile assets.
  • Credit Risk: Debt funds can face losses if an issuer delays payments, defaults or suffers a credit-rating downgrade, which may reduce the value of securities held.
  • Interest Rate Risk: Bond prices move in the opposite direction to interest rates. This can weigh more heavily on debt funds holding longer-maturity securities in their portfolios.
  • Costs and Charges: Expense ratios are deducted from scheme assets, while some funds levy an exit load on early redemptions. Both can reduce the return received by investors.
  • Concentration Risk: Funds focused on a narrow sector, theme, or small group of securities can be more vulnerable when that particular segment performs poorly.
  • No Assured Returns: Mutual funds carry market-linked risk, and historical performance never guarantees future returns.

OTHER OFFERINGS

Other Secured Fixed-Income Products By Grip Invest

Corporate Bonds

Corporate Bonds

  • Securities issued by corporates & NBFCs
  • Up to 12.5% pre-tax YTM
  • Start investing with Rs 1,000
  • Exchange listed and credit rated
InvoiceX

InvoiceX

  • Loans backed by Invoice Discounting
  • Up to 14% pre-tax YTM
  • Start investing with Rs 1,00,000
  • SEBI/RBI compliant and credit rated
LoanX

LoanX

  • Diverse pool of loans from top NBFCs
  • Up to 14% pre-tax
  • Start investing with Rs 1,00,000
  • SEBI/RBI compliant and credit rated
Baskets

Baskets

  • Theme based investing
  • Up to 14% pre-tax YTM
  • Start investing with Rs 5,000
  • SEBI/RBI compliant and credit rated
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Market Insights

Latest Update on Mutual Funds Market

mutual_fund_sip_inflow_record_high_september_2026
15 Oct 2026

Mutual fund SIP inflows hit record high of Rs 32,490 crore in September

Despite the Sensex and Nifty being down in double digits this year till date, investors are continuing to invest in mutual funds, with SIPs hitting a record high mark of Rs 32,490 crore in September 2026, up from Rs 32,297 crore in August, according to data released by AMFI (Association of Mutual Funds in India). While equity mutual fund inflows jumped nearly 31% to Rs 38,307 crore, India's mutual fund industry on an overall level saw a sharp decline in AUM, with overall net outflows reaching Rs 1.33 lakh crore, largely driven by withdrawals from debt mutual fund schemes.

Read More

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Gold ETFs vs Gold Mutual Funds: Which Is Better for You?

How are Debt Mutual Funds Taxed? Debt Fund Taxation Explained

To help you

Frequently Asked Questions

How to invest in mutual funds?

Before investing in a mutual fund in India, consider what you are investing for and how much risk you can take. Choose a scheme that fits your timeline, complete KYC and invest through SIP or lump sum via the AMC or a mutual fund app or investment platform like Grip Invest.
Taxation on mutual fund returns depends on the scheme type and holding period. Equity-oriented funds are taxed at 20% on gains held up to 12 months, and 12.5% beyond that, with an annual exemption of INR 1.25 lakh on long-term gains. Specified debt funds, those holding 35% or less in equity, with units acquired on or after 1 April 2023, are taxed at slab rates regardless of holding period under Section 50AA. Other schemes, including several hybrid and international funds, qualify for long-term treatment at 12.5% after 24 months. IDCW payouts are taxed at slab rates, with TDS under Section 194K where the amount exceeds INR 5,000 in a financial year. Rates as applicable for FY 2026-27. Please consult a tax adviser for your specific position.
There is no single mutual fund that can be considered the best mutual fund for beginners. It depends on the individual’s financial goals and risk appetite. If a beginner wants to start investing in mutual funds, he/she can start with a small amount in SIPs with index funds. Gradually, the investor can move to goal-oriented mutual funds. Usually, mutual fund investments are done for the long term, and individual investors should keep this in mind while starting investment.
SEBI regulates mutual funds in India, which provides a formal regulatory framework for the industry. However, investment risk still varies by scheme, since returns depend on the underlying securities and movements in the market. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.

 

The minimum amount is set by each scheme rather than across the industry. Many SIPs allow instalments from INR 100, while lump-sum investments often start at around INR 1,000. On Grip Invest, you can start investing in a debt mutual fund with just INR 100.
A mutual fund invests across a portfolio of securities, and its returns move with market performance. Fixed deposits, on the other hand, usually offer a stated interest rate for a chosen tenure, with lower exposure to market fluctuations.
A bond is issued directly by a company or government to raise debt. Whereas a mutual fund pools money into a portfolio that may hold bonds, equities or other securities.
Most open-ended mutual funds permit redemption on business days. An exit load may apply in some cases, while certain schemes can have lock-in periods like ELSS, fixed maturities or other withdrawal restrictions.
No. A Demat account is optional for most mutual funds, with units also held in statement-of-account form. It is generally required for exchange-traded funds bought and sold through stock exchanges.
For SIPs, each instalment has a different investment date. XIRR accounts for these dates to calculate the annualised return earned.
The expense ratio represents the annual operating cost of a mutual fund scheme as a percentage of its assets. These expenses are deducted before the scheme’s NAV is reported.
The best mutual fund to invest in depends on the goal, time horizon and acceptable risk. Compare mutual funds on portfolio, consistency, benchmark performance, expense ratio and risk rather than recent returns alone.
Net Asset Value is the per-unit value of a scheme, calculated as total assets less liabilities, divided by units outstanding. It is declared on every business day. Units are allotted and redeemed at the applicable NAV, subject to cut-off timings.
A Systematic Investment Plan invests a fixed amount at regular intervals, usually monthly. Units are allotted at the NAV applicable on each instalment date, so purchases occur across different price levels over time. SIPs can generally be increased, paused or discontinued.

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Ripul ChhabraMD - Techwink Services
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Grip Invest is a SEBI-regulated platform for high-yield, fixed income investments like Corporate Bonds, SDIs and Fixed Deposits. Our mission is to enable all Indians to invest in regulated, curated, diversified opportunities offered at Grip Invest.
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Grip Broking Pvt. Ltd. (U67120DL2023PTC410290) Member of NSE- SEBI Registration No.: INZ000312836
NSE Member Code: 90319 | Registered Office: Flat No. 106, II Floor, New Asiatic Building, H Block, Connaught Place, New Delhi-110001 Compliance Officer: Ms. Jyotsna, Contact No.: 93555 90389, email Id: complianceofficer@gripinvest.in
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Grip Broking Private Limited (U67120DL2023PTC410290), Member of NSE- SEBI Registration No.: INZ000312836, DP Reg. No.: IN-DP-809-2025, NSDL DP ID: IN304877, NSE Member Code: 90319  
Grip Broking is an AMFI Registered Mutual Fund Distributor. ARN - 315995. Initial date of registration for ARN-315995 is 03-Dec-2024 and the current validity of the ARN is 02-Dec-2027.  
Registered Office: Flat No. 106, II Floor, New Asiatic Building, H Block, Connaught Place, New Delhi-110001  
Corporate Office: 2nd Floor, OCUS Technopolis Building, Golf Course Rd, Sector 54, Gurugram, Gurgaon-122002, Haryana  
Compliance Officer: Ms. Jyotsna; Contact No: +91 93555 90389; Email id: complianceofficer@gripinvest.in  
Fixed returns do not constitute guaranteed or assured returns. Investments in corporate debt securities, municipal debt securities/securitised debt instruments are subject to credit risks, market risks and default risks including delay and/or default in payment. Read all the offer related documents carefully. 
Mutual Fund investments are subject to market risks. Please read all scheme related documents carefully before investing. Past performance of the schemes is neither an indicator nor a guarantee of future performance.
Investments in Specialized Investment Fund involves relatively higher risk including potential loss of capital, liquidity risk and market volatility. Please read all investment strategy related documents carefully before making the investment decision.

Procedure to file a complaint on SEBI SCORES- (i) Register on SCORES portal (ii) Mandatory details for filing complaints on SCORES: Name, PAN, Address, Mobile Number, E-mail ID (iii) Benefits: Effective communication, Speedy redressal of the grievances  
i. Prevent Unauthorised transactions in your account --> Update your mobile numbers/email IDs with your Stock Brokers. Receive information of your transactions directly from Exchange on your mobile/email at the end of the day. Prevent Unauthorized Transactions in your demat account Update your Mobile Number with your Depository Participant. Receive alerts on your Registered Mobile for all debit and other important transactions in your demat account directly from NSDL/CDSL on the same day.

ii. There is no need to issue a cheque. Please write the Bank account number and sign the IPO application form to authorize your bank to make payment in case of allotment. In case of non allotment the funds will remain in your bank account. Issued in the Interest of Investor. Investments in securities market are subject to market risks; read all the related documents carefully before investing.

iii. KYC is one time exercise while dealing in securities markets - once KYC is done through a SEBI registered intermediary (broker, DP etc.), you need not undergo the same process again when you approach another intermediary.

iv. Investor awareness on fraudsters that are collecting data of customers who are already into trading on Exchanges and sending them bulk messages on the pretext of providing investment tips and luring them to invest with them in their bogus firms by promising huge profits.

v. Advisory for investors - Clients/investors to abstain them from dealing in any schemes of unauthorised collective investments/portfolio management, indicative/ guaranteed/fixed returns / payments etc.

Fixed Deposits are not exchange traded products and Grip is merely a distributor of Fixed Deposits.  
      
Attention Investors:   
1. Stock Brokers can accept securities as margin from clients only by way of pledge in the depository system w.e.f. September 01, 2020.  
2. Update your email id and mobile number with your stock broker / depository participant and receive OTP directly from the depository on your email id and/or mobile number to create a pledge.   
3. Check your securities/bonds in the consolidated account statement issued by NSDL/CDSL every month. .......... Issued in the interest of Investors  
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