MUTUAL FUNDS — INDIA

Start Small.
Dream Big.
Invest in Mutual Funds.

From ₹500 a month to building a ₹5 crore retirement corpus — mutual funds are India's most powerful wealth-building tool.

SIP from ₹500SEBI Regulated80C Tax SavingGoal-Based

THE POWER OF SIP — 12% CAGR

Assumed rate: 12% p.a. (historical equity avg)

₹5,000/month

10 years

₹11.6 lakh

₹10,000/month

15 years

₹50.4 lakh

₹15,000/month

20 years

₹1.5 crore

₹25,000/month

25 years

₹4.7 crore

*Past returns not guarantee of future.

WHY MUTUAL FUNDS

India's Most Accessible Wealth-Building Tool

Over 5 crore Indians invest in mutual funds. Here's why they choose this route.

Professional Management

SEBI-registered fund managers with research teams actively monitor and rebalance portfolios on your behalf.

Diversification

A single mutual fund invests in 30–60+ securities — giving you diversification impossible to achieve individually.

Goal-Based Investing

Whether it's a child's education in 10 years or retirement in 25 years, there is a fund category suited for every goal.

SIP Convenience

Automate investing from ₹500/month. SIP removes the need to time the market and builds discipline effortlessly.

Tax Efficiency

ELSS gives 80C benefit. LTCG on equity funds is only 12.5% above ₹1.25 lakh. Debt fund gains taxed as per slab.

Liquidity

Most open-ended funds allow redemption within 1–3 business days. No lock-in (except ELSS) — money when you need it.

FUND CATEGORIES

Mutual Fund Categories in India

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Equity Funds

Large Cap, Mid Cap, Small Cap, Flexi Cap

High Growth

Horizon: 5–10+ years

Nifty 50 large cap funds: stable + benchmark-beating
Mid & small cap: higher return potential over 7–10 yrs
Flexi cap: fund manager flexibility across market caps
ELSS (Tax Saver): 80C benefit + 3-yr lock-in
Sectoral/Thematic: IT, Pharma, Infra, Consumption
Index Funds & ETFs: low cost passive investing

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Debt Funds

Liquid, Short Duration, Corporate Bond, Gilt

Stable Income

Horizon: 3 months – 5 years

Liquid funds: better than savings account, instant redemption
Short duration: 1–3 year horizon with moderate returns
Corporate bond funds: AAA/AA rated credit exposure
Gilt funds: zero credit risk, sovereign bonds only
Dynamic bond: actively managed across interest rate cycles
Floating rate funds: suited for rising interest rate environment

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Hybrid Funds

Balanced, Aggressive, Conservative, Arbitrage

Balanced Risk

Horizon: 3–7 years

Aggressive hybrid: ~65–80% equity + 20–35% debt
Conservative hybrid: capital preservation with modest growth
Balanced advantage (BAF): dynamic equity/debt allocation
Multi-asset: equity + debt + gold allocation in one fund
Arbitrage funds: equity taxation with debt-like risk
Equity savings: tax-efficient with lower volatility

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Solution-Oriented Funds

Retirement & Children's Plans

Goal-Based

Horizon: 5–20 years

Retirement funds: 5-year lock-in or till retirement age
Children's benefit funds: education & marriage goals
Systematic Withdrawal Plan (SWP) for retirement income
Designed for specific life milestones
Automatic rebalancing as goal date approaches
Available from LIC MF, HDFC, SBI, UTI, Franklin

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Index Funds & ETFs

Nifty 50, Nifty Next 50, Sensex, Gold ETF

Low Cost

Horizon: 5+ years

Expense ratio as low as 0.05–0.20%
Tracks benchmark index — no fund manager risk
Nifty 50, Nifty Next 50, Nifty Midcap 150 options
Gold ETF: digital gold exposure via demat
International ETFs: Nasdaq, S&P 500 exposure
Ideal for passive, low-maintenance investors

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ELSS — Tax Saving Funds

Equity Linked Savings Scheme

80C Benefit

Horizon: 3+ years (lock-in)

Up to ₹1.5 lakh deduction under Section 80C
Shortest lock-in among 80C instruments (3 years)
Market-linked returns — historically 12–15% CAGR
LTCG up to ₹1 lakh tax-free; 10% beyond
SIP in ELSS: ₹500/month can save ₹46,000 tax/year
Top funds: Mirae ELSS, Axis ELSS, Quant ELSS

QUICK COMPARISON

Which Fund is Right for You?

Fund Type	Risk	Returns	Horizon	Taxation	Ideal For
Large Cap Fund	Moderate	10–13% CAGR	5+ yrs	LTCG 12.5%	Wealth building
ELSS Fund	Moderate-High	12–15% CAGR	3+ yrs	80C + LTCG	Tax saving + growth
Flexi Cap Fund	Moderate-High	12–16% CAGR	7+ yrs	LTCG 12.5%	Long-term wealth
Hybrid / BAF	Moderate	9–12% CAGR	3–5 yrs	Equity/Debt split	First-time investors
Liquid Fund	Very Low	6.5–7.5%	1 day–3 mths	As per slab	Emergency / parking
Index Fund	Moderate	Benchmark	7+ yrs	LTCG 12.5%	Passive investors

*Returns are historical and indicative. Mutual fund investments are subject to market risks.

WHO SHOULD INVEST

Mutual Funds Are for Everyone

First-time investors starting with ₹500/month SIP

Salaried professionals wanting to beat FD returns

Parents saving for children's education 10–15 years away

Couples planning their retirement corpus with SIPs

High-income earners seeking 80C tax savings via ELSS

Senior citizens seeking SWP for monthly pension income

NRIs looking to build India-based wealth in rupees

Business owners parking surplus funds in liquid funds

THE SAHAYAK PROCESS

Risk Profiling & Goal Mapping

We understand your risk appetite, timeline, and goals before recommending any fund.

Fund Selection & Asset Allocation

Curated fund picks from top AMCs via NJ Wealth platform — no hidden commissions.

SIP Setup & Execution

Seamless SIP activation online. Start investing in minutes with auto-debit from your bank.

Annual Review & Rebalancing

We review your portfolio annually and rebalance based on performance and life changes.

FAQS

Common Mutual Fund Questions

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Your ₹500 SIP Can Become ₹1 Crore.

Start your mutual fund journey with Sahayak today — expert guidance, curated fund selection, and lifelong portfolio support.

Start Small.Dream Big.Invest in Mutual Funds.