Mutual Funds

Invest in Zero Commission Direct Plan Mutual Funds online. Easily switch to Direct Plans at no cost and manage SIPs with full control - edit, pause, or cancel anytime. All your SIPs are tracked on a single dashboard for convenience.

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Access to 5000+ AMCs

Access to 5000+ AMCs

Zero Commission Direct Plans

Zero Commission Direct Plans

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₹0 Maintenance Cost

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No Hidden Charges

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What is a Mutual Fund?

A pool of investments is what mutual funds provide. As an investor, you can buy some shares of that pool of investment funds. And each unit of share you hold in your portfolio will change every day with the market.

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What is mutual funds

Ways to Invest in Mutual Funds: SIP vs Lumpsum

SIP is about regularly investing a fixed amount in a mutual fund, while lump sum involves making a single large investment instead of smaller, regular investments over time.

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mutual-funds-start-sip

Regular Plan vs Direct Plan Mutual Funds

Regular plan mutual funds come with commission fees included in the expense ratio, while direct plan mutual funds have zero commission charges, resulting in a lower expense ratio and potentially higher returns.

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Regular vs Direct

Mutual Funds by Category

Mutual funds can be classified into three main categories: Equity, Debt, and Hybrid Mutual Funds.

    1. Equity Mutual Funds

    • Large Cap Mutual Funds
    • Mid Cap Mutual Funds
    • Small Cap Mutual Funds
    • Flexi Cap Mutual Funds
    • Large & Mid Cap Mutual Funds
    • Multi-Cap Mutual Funds
    • Focused Mutual Funds
    • Dividend Yield Mutual Funds
    • Value Oriented Mutual Funds
    • Sectoral-Technology Mutual Funds
    • Sectoral-Infrastructure Mutual Funds
    • Sectoral-Banking Mutual Funds
    • Thematic-Consumption Mutual Funds
    • Thematic-Energy Mutual Funds
    • FMCG Mutual Funds
    • Sectoral funds
    • Thematic funds
    • ESG funds

    Large Cap Mutual Funds

    Invest smartly and aim high with Large Cap Mutual Funds, your path to consistent returns and financial success. These funds invest at least 80% of their assets in top 100 companies of by market cap.

    2. Debt Mutual Funds

    • Liquid Mutual Funds
    • Low Duration Mutual Funds
    • Short Duration Mutual Funds
    • Corporate Mutual Funds
    • Dynamic Bond Mutual Funds
    • Money Market Mutual Funds
    • Bank & PSU Mutual Funds
    • Gilt Mutual Funds
    • Overnight Mutual Funds
    • Gilt with 10 year Constant Duration
    • Credit Risk Mutual Funds
    • Floater Mutual Funds
    • Long Duration Mutual Funds
    • Medium Duration Mutual Funds
    • Medium to Long Duration Mutual Funds
    • Ultra Short Duration Mutual Funds

    Liquid Mutual Funds

    These funds invest in low-risk, easily accessible money market instruments, providing a safe option for parking your short-term cash. They offer modest returns, capital preservation, hassle-free access with no lock-in, entry/exit loads, minimal risk, and the convenience of one-day withdrawals.

    3. Hybrid Mutual Funds

    • Conservative Hybrid Mutual Funds
    • Aggressive Hybrid Mutual Funds
    • Arbitrage Mutual Funds
    • Equity Savings Mutual Funds
    • Balanced Mutual Funds
    • Multi Asset Allocation Mutual Funds
    • Fund of Funds Mutual Funds
    • Retirement Mutual Funds
    • Childrens Mutual Funds

    Conservative Hybrid Mutual Funds

    Conservative hybrid funds provide a low-risk investment option by combining a mix of debt instruments like corporate and government bonds and equity instruments like stocks, making them a suitable choice for risk-averse investors seeking stable returns with a balanced portfolio.

    Mutual Funds Collections

    Types of Mutual Funds

    How to start investing in Mutual Funds with INDmoney?

    Now that you have understood what mutual funds are, you need to know how easily you can start your investment with INDmoney. Just follow these simple steps given below, to start your mutual fund investment journey with us.

    • Step 1

      Download the INDmoney app and create your free investment account by completing your KYC ( Know Your Customer).

    • Step 2

      Once your Free investment account is ready, you can either search for a  mutual funds or go to the mutual fund section from the dashboard or INDstocks section.

    • Step 3

      Choose a Mutual Fund by looking at aspects like past returns, volatility, downside capture ratio, AUM, Expense ratios and underlying stocks and sectors.

    • Step 4

      You can choose to set up SIP in mutual funds or even invest as lumpSum. Once you are on the individual mutual fund page click from the bottom “One-time” for lump sum investment or “SIP” for systematic investment plan. 

    • Step 5

      Choose the amount that you want to invest as SIP or LumpSum.

    • Step 6

      Set up payments. If you choose to set up SIP in mutual funds,  you can do a free automatic pay set up via bank mandate or UPI. If you choose to invest in lumpsum (one-time) then you can pay via UPI, netbanking, NEFT or RTGS.

    Frequently Asked Questions

    The full form of NAV is Net Asset Value, which is the mutual fund's per-share value. It is the amount you pay or get when you buy or sell a mutual fund share. 

    Yes, by investing in specific mutual funds like ELSS (Equity Linked Savings Scheme), you can save on taxes. These investments qualify for tax deductions under Section 80C of the Income Tax Act, helping you reduce your taxable income.

    An NFO, or New Fund Offer, is the first time a new mutual fund scheme is offered to the public.

    Yes, we have an option of Flexi SIP where we can pause and restart the SIP.
    We also give an option to edit our SIP anytime. Follow the steps below to change the SIP amount.
    Step 1: Go to the SIP section, under mutual fund dashboard.
    Step 2: Open SIP Summary Page and click on manage SIP
    Step 3: A bottom sheet will appear, click on edit SIP.
    Step 4: An invest page will open, here you can edit your amount.

    Note : Maximum Mandate amount should cater the new updated SIP amount.
    For Example, if you have started a SIP via UPI and you have created a mandate for Rs 10000. In this case if you edit your SIP amount to 15000, you will receive invalid input.
    You can edit the amount between SIP minimum investment amount ( created by AMC )  to maximum mandate amount ( created by user )

    Journey to download the ELSS report on the INDmoney mobile app:
    Step 1 → Go to the “My Profile” section by clicking on your profile picture on the left side of the screen. 
    Step 2 → Scroll down and select Mutual Fund account ( BSE ) from the “account details” section
    Step 3 → Click on the “ELSS Report” button from the “Reports” section. 
    Step 4 → “Select Financial Year” and download the ELSS report.

    Step 1 → Select the “Mutual Funds” tab
    Step 2 → Click on the down arrow near the “overall portfolio”. A bottom sheet will appear. 
    Step 3 → Click on the “refresh portfolio” button on the bottom sheet. 
    Step 4 → Enter OTP
    Step 5 → Click “my funds” to see your external portfolio. 

    Below are the steps to cancel ongoing SIP from INDMoney. 
    Step 1 → Select SIP chiclet from the “Orders” Tab. 
    Step 2 → Select the SIP you want to cancel 
    Step 3 → Click on the “Manage SIP” button. 
    Step 4 → Select “Cancel SIP” from the Manage SIP bottom sheet
    Step 5 → Click on Cancel SIP from the bottom sheet 

    Adding a nominee to your mutual funds makes it simpler and faster to transfer your investment to your chosen nominee if something happens to you. It's a way to ensure your investments are easily passed on to the person you choose, without complications.

    You cannot remove an external portfolio once you have fetched it on the INDmoney App platform. 

    If your SIP falls under a non-business day then SIP will get processed on the next business day.

    To check this → You can see your SIP amount separately under the SIP chicklet in the “Orders” Tab. 
    Note: If you have redeemed that particular fund once, you will not be able to you cannot track it separately. 

    Here are the steps involved to redeem you mutual funds
    Step 1 --> On the INDmoney App, go to the main dashboard and click on mutual funds.
    Step 2 --> Once you get to the Mutual Fund Main Home Page, select the My Funds tab.
    Step 3 --> On the My Funds tab, select the mutual funds you want to redeem.
    Step 4 --> After selecting the fund, a bottom sheet will open. Click on the View Details Button.
    Step 5 --> Click on Redeem Button. A bottom sheet open, You can select between 1. Redeem One-Time or SWP (Systematic Withdrawal Plan)
    Step 6 --> Enter the amount you want to redeem.
    Step 7 --> Enter the OTP
    Step 8 --> A screen will appear where you will find your sell order details. You will get the NAV date and the date when the amount will be credited in your bank account.

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