Invest in Direct Mutual Funds With Zero Commission
Start SIPs or invest lumpsum in direct mutual funds from ₹500, compare top funds, and track your portfolio in one place.
Start Your Mutual Fund Investments In
3 Minutes.
1600+
Direct Mutual Funds
Zero
Commission
₹500
Minimum SIP
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Registered
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How To Invest In Mutual Funds On INDmoney?
Open Free Mutual Fund Account
Sign up with your mobile number and complete your digital KYC using your PAN and Aadhaar in minutes. No paperwork, no branch visits and no account opening fee required.
Research & Compare Funds
Use the mutual fund screener to filter direct funds by category, returns, risk and expense ratio, and check each fund's INDmoney Rank at a glance. Compare funds and pick the one that fits your goals.
Invest via Lumpsum or SIP
Pick your fund and invest a one-time lumpsum, or set up a SIP through INDpay UPI in a few taps. Your money is invested at the applicable NAV, and units reflect in your account within a couple of business days.
Types Of Mutual Fund Orders You Can Place On INDmoney
One-time Lumpsum
A one-time lumpsum lets you invest a single amount into a mutual fund in one go. This works when you already have surplus money ready, such as a bonus, maturity amount or idle savings, and want to deploy it into a fund without setting up a recurring investment.
A SIP invests a fixed amount automatically on a schedule you choose. Set up daily, weekly, monthly or quarterly SIPs through INDpay UPI, add a step-up to grow your SIP automatically each year, and manage all SIPs from the SIP Centre.
An STP moves a fixed amount from one mutual fund to another at regular intervals. It is usually used when you want to park a lumpsum in a lower-risk fund first, and gradually transfer it into an equity fund over time.
How To Decide Which Mutual Fund To Invest In
Choosing a fund is less about chasing last year's top performer and more about matching a fund to your own goal, timeline and risk comfort. Three things decide most of it.
Start with your goal
Decide what the money is for and when you will need it. A goal five or more years away can comfortably use equity funds, while money you need within a year or two belongs in debt or liquid funds, where the value stays steadier.
Assess your risk levels
Every category carries a different level of risk. Equity funds swing more but reward patience, debt funds stay calmer with modest returns, and hybrid funds sit in between. Pick a category you can hold through a market fall without panic-selling.
Use INDmoney rank to shortlist
INDmoney Rank brings returns, risk and expense ratio together into one simple score, so you can shortlist strong funds quickly instead of juggling numbers across tabs.
Popular Mutual Funds
Types Of Mutual Funds In India
Equity Funds invest mostly in shares. They carry a higher risk and are built for long-term growth. Sub-types include large-cap, mid-cap, small-cap, flexi-cap, ELSS (tax-saving), and sector or thematic funds.
Debt Funds invest in bonds, government securities and money market instruments. They aim for steadier, lower returns than equity and suit shorter horizons or the stable part of your portfolio.
Hybrid Funds combine equity and debt in a single fund to balance growth and stability. Sub-types include aggressive hybrid, balanced advantage, multi-asset and arbitrage funds.
Mutual Funds Collections
Mutual Fund by AMCs
₹12,63,745 Cr AUM
₹11,30,333 Cr AUM
₹9,43,197 Cr AUM
₹7,11,598 Cr AUM
₹5,88,199 Cr AUM
₹4,47,038 Cr AUM
₹3,95,059 Cr AUM
₹3,65,749 Cr AUM
Mutual Fund Calculators
Quick tool to help investor calculate the potential returns
Estimate the returns on mutual fund lumpsum investments
SIP Or Lumpsum: Which One Suits You?
Both are just ways of putting money into the same fund.
A Systematic Investment Plan (SIP) invests a fixed amount at a regular interval, for example, ₹5,000 every month. It spreads your entry across many NAV levels, which averages out your buying price over time and removes the pressure of timing the market. SIPs suit salaried investors with a steady monthly inflow.
A lumpsum invests a larger amount in one go. It works when you have a surplus ready, like a bonus or maturity proceeds, and are comfortable investing at the current market level.
Many investors use both, a monthly SIP for discipline and an occasional lumpsum when they have extra to deploy. You can model either using the SIP Calculator or Lumpsum Calculator.
Import Your External Mutual Funds To INDmoney
Most investors hold funds scattered across old broker apps, a bank portal and one or two distributor logins. The result is that you never see one true picture of what you own, what it is really worth, or how it is actually performing. Import the mutual funds you already hold with any other broker or AMC and manage your entire portfolio on INDmoney.
Types Of Mutual Fund Accounts Supported On INDmoney
Individual resident
Family accounts
NRI accounts
Corporate accounts
Joint accounts
Minor accounts
HUF accounts
Why Invest In Mutual Funds Through INDmoney
Zero-Cost Account
Open your mutual fund account for free and pay zero annual maintenance charges. There is nothing to pay just to hold your investments on the platform.
Zero Commission Funds
INDmoney offers only direct mutual funds, which means no distributor commission eats into your returns. Over a long horizon, that difference compounds into a meaningful amount.
Detailed Portfolio Analytics
Track XIRR, returns and one-day change, and compare your portfolio against benchmarks like the Nifty 50, so you always know whether your funds are keeping up with the market.
SIPs via INDpay UPI
Set up and fund SIPs directly through INDpay UPI. No lost mandates and no manual transfers, your instalments run automatically on schedule.
Mutual Fund Taxation in India
Mutual fund tax depends on the type of fund you hold and how long you stay invested. When you redeem units at a profit, the gain is taxed as short-term or long-term capital gain. The tax treatment is different for equity, debt and hybrid funds.
Equity Mutual Funds
Equity mutual funds usually mean funds with 65% or more invested in Indian equities. Short-term gains are taxed at 20%, while long-term gains are taxed at 12.5% on gains above ₹1.25 lakh in a financial year.
Debt Mutual Funds
Debt mutual fund taxation depends on when the units were bought. For units bought on or after 1 April 2023, gains are generally added to your income and taxed as per your slab rate.
Hybrid Mutual Funds
Hybrid fund taxation depends on its equity allocation. If the fund holds 65% or more in equity, equity fund tax rules apply. If equity allocation is lower, non-equity or debt taxation rules may apply.
Dividend or IDCW income from mutual funds is added to your total income and taxed as per your applicable slab rate. On INDmoney, you get a detailed tax report in your tax centre, where you can review your mutual fund capital gains, dividend income and tax details before filing your ITR.
File ITR With Mutual Fund Gains
Review your mutual fund capital gains, dividend income and tax details on INDmoney, then file your ITR for free. Your mutual fund tax details get auto-fetched into the filing flow, making ITR filing simpler, faster and easier.
Optimise Mutual Funds With Portfolio Analytics
Investing is only half the job. Knowing how your money is actually doing is the other half.
INDmoney's mutual fund Portfolio Analytics shows your current value, invested value, absolute returns, one-day change, XIRR and dividends in a single view. You can compare your portfolio against benchmarks like the Nifty 50, see how your holdings are split across market caps and sectors, and understand your equity versus liquid fund balance at a glance.
Compare and Pick Best Funds for You
Tool for detailed comparison of Mutual Funds on performance, NAV, Returns, Pros & Cons for an informed investment decision.
Key Benefits Of Investing In Mutual Funds
Professional Management
Every fund is run by a qualified fund manager and a research team who decide what to buy, hold and sell. You get institutional-grade decision-making on your money without having to track markets yourself.
Diversification
A single fund spreads your money across many stocks or bonds at once. That means no single company or sector can sink your entire investment, which lowers your risk compared to holding one or two securities directly.
Affordability
You do not need a large corpus to begin. A SIP can start from as little as ₹500, so a mutual fund gives a small investor access to the same professionally managed portfolio as a large one.
Liquidity
Open-ended funds let you redeem your units on any business day at the prevailing NAV, with the money credited to your bank shortly after. Your investment stays accessible, unlike a fixed deposit locked for a term.
SEBI Regulated
Every fund is regulated by SEBI, which mandates regular disclosure of holdings, NAV and costs. You always know where your money is invested and what you are paying to hold it.
Compounding
When your returns are reinvested rather than withdrawn, they start earning returns of their own. Held over long periods, this compounding is what turns steady, modest investing into a meaningful corpus.
Understanding NAV in Mutual Funds
NAV, or Net Asset Value, is the per-unit price of a mutual fund. It tells you what one unit of the fund is worth on any given day.
It is calculated as the total value of the fund's assets, minus its liabilities, divided by the total number of units held by all investors. NAV is published once at the end of each trading day, not live like a share price, so the value you see is based on that day's closing prices of the fund's holdings.
A common myth is that a fund with a lower NAV is cheaper or a better value. It is not. NAV only reflects the fund's current per-unit value, not how expensive or how good the fund is. What matters for your returns is the percentage the NAV grows, not its absolute number.
When you invest, the cut-off time decides which NAV you get.
Mutual Fund Charges Explained
Expense ratio
Expense ratio is the annual fee an AMC charges to manage the fund, expressed as a percentage of the fund's assets. It is already built into the NAV, so you never pay it separately, but it quietly reduces your return.
Exit Load
Exit load is a small charge some funds apply if you redeem before a set period, often within one year. It is usually applied to discourage very short-term exits and varies from fund to fund.
INDmoney does not charge account opening fees, maintenance charges or commission on direct mutual funds. This means you can invest in mutual funds without paying extra platform-level charges.
Start Investing In Mutual Funds With INDmoney
Open your free investment account and build wealth across equity, debt and hybrid funds, all at zero commission.
Frequently Asked Questions About Mutual Funds
Mutual Fund is a financial vehicle that is a pool of money collected from many investors. After pooling the money, the vehicle invests’ the same in a portfolio of securities like stocks, bonds, money market instruments, and other assets. These funds are operated by professional Fund managers, who allocate the fund's assets and attempt to produce gains or income for the fund's investors.
You can start investing in mutual funds with as little as ₹100, depending on the fund. Both lumpsum investments and SIPs are available with low minimum investment requirements.
Investing in mutual funds on INDmoney is transparent and cost-effective:
- Account opening: Free
- Annual maintenance charges (AMC): Zero
- Commission: Zero (direct mutual funds)
- Platform charges: None
- Payment charges : Zero
- Withdrawal charges : Zero
There are no hidden charges. Check Mutual Fund Pricing Page.
Mutual fund returns are calculated based on absolute returns, annualised returns, or XIRR.
XIRR (Extended Internal Rate of Return) is calculated based on multiple inflows and outflows of your multiple investments and redemptions over a period of time and is one of the best benchmarks for performance of your mutual fund portfolio.
Here is a guide for understanding XIRR.
Taxation depends on the type of fund and holding period:
Equity mutual funds:
Short-term (held less than 12 months): Taxed at 20%
Long-term (held > 12 months): Taxed at applicable LTCG rates : Taxed at 12.5%
Debt mutual funds:
Short-term (held less than 12 months): Taxed at your income tax slab
Long-term (held > 12 months): Taxed at applicable income tax slab.
Note that there are some nuances with respect to Debt mutual funds purchased before April 1, 2023. Read below to get clarity on the same.
One can add or update nominees digitally while investing or anytime later through the INDmoney app or website. Nomination helps ensure smooth transfer of investments to the investor’s chosen beneficiaries in an unforeseen scenario that investor dies.
NAV (Net Asset Value) represents the per-unit value of a mutual fund. It is calculated by dividing the total value of the fund’s assets minus liabilities by the total number of outstanding units.
It is the annual fees the mutual fund charges to manage your investment. It is calculated as a percentage of the average asset under management (AUM), commonly ranging from 0.5% to 2%.
When you purchase an Equity mutual fund before 2 p.m on a day, you get the NAV for the same day. If it is after 2 p.m then you get the NAV of the next Indian market open day. You start seeing the units on the INDmoney App under My Funds latest by two business days(T+2).
When you purchase a Debt Mutual Fund, the units will start reflecting in your account latest by two business days(T+2).
When you redeem your mutual fund investments, the money isn’t transferred to your bank account instantly. The time it takes depends on the type of fund.
For equity mutual funds, you usually receive the proceeds within two business days (known as T+2), where “T” stands for the transaction day.
Debt mutual funds, on the other hand, are processed faster, typically within one business days (T+1).
These timelines can be slightly delayed if your transaction coincides with weekends or holidays. Once processed, the money is directly credited to the bank account linked to your mutual fund investment.
Exit load is an expense that you pay to the mutual fund house incase you decide to sell your mutual fund before a particular date.
Read more about the exit load.
AUM (Assets Under Management) represents the net assets managed by the Mutual fund scheme. It is calculated based on the gross value of the assets minus the redemptions. ie. Current value of the Book + New investments - redemptions. AUM changes daily based on new investments, redemptions and change in the market value of the underlying assets.
The mutual fund manager is the person in charge of executing the fund's investment strategy. The fund manager's role is to make strategic investment decisions to achieve the mutual fund's objectives, balancing risk and potential returns. He is tasked with selecting appropriate securities (stocks, bonds, etc.) based on deep market analysis and research. To oversee the daily trading activities of the mutual fund, ensuring that the portfolio aligns with the fund's goals and adheres to regulations set by the Securities and Exchange Board of India (SEBI).
Regular plans include a distributor commission that lowers your returns. Direct plans remove it, so you keep more over time. INDmoney offers direct plans. Direct vs Regular calculator
Learn More About Mutual Fund Investing
Getting Started with Mutual Fund
Fund Selection & Taxation