Mutual Fund Investing – Quick, Convenient, Direct

Earn 1% additional returns with direct plans and make your mutual fund investments stand out. Access entire universe of 5,000+ schemes on a single platform without paying a single rupee in commissions.

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Mutual Funds Investment

Benefits of mutual funds

Diversification advantage

Invest across sectors, asset classes, and fund houses to safeguard against market volatility

Reduce risks

Invest in expert-curated diversified basket of stocks

Power of compounding

Start with just ₹500 via SIPs and experience the joys of compounding in the long term

Rupee-cost averaging

With SIPs, you don’t have to worry about timing the market well anymore

Access fixed income market

Invest in debt funds and get capital protection whilst enjoying interest income

Flexibility and convenience

Invest online as per your convenience and funds availability

m.Stock – Ideal partner for your mutual fund investments

  • Zero commission

    Direct mutual funds

    Invest in direct plans and save big on commissions and management fees

  • Variety of options

    2-click order placement

    Enjoy 100% online, hassle-free, paperless mutual fund investing

  • Easy comparison

    Choice of 5,000+ schemes

    Compare and choose from 5,000+ mutual fund schemes across various asset classes

  • Flexibility and convenience

    Move existing portfolio with ease

    Switch from regular plans and transfer your investments to m.Stock to earn higher returns

Types of mutual fund

  • Debt Funds

    Access debt markets and enjoy interest income from bonds and debentures. Ideal for conservative short-term investors

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  • Hybrid Funds

    Enjoy best of both the worlds – equity and debt. Ideal for beginners with medium-term investment horizon

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  • Equity Funds

    Invest in large, mid, and small cap sector stocks to enjoy capital appreciation. Ideal for aggressive, long-term investors

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  • Money Market Funds

    Beat FD returns by investing in liquid instruments. Ideal for 1 day to 365 day investment horizon

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Discover Mutual Funds

  • Equity Funds
  • Top Rated Fund
  • Funds with Best Returns
  • Tax Saver Funds
  • Better than FDs
Earn 1% more in Mutual Funds
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Canara Robeco Infrastructure - Direct (G) - Growth
Equity
NAV
183.48
Min. SIP Amt
₹ 1000
Value Research
Stars
1 Y Return
58.16 %
3 Y Return
32.21 %
5 Y Return
32.6 %
Aditya Birla SL MNC Fund - Direct (G) - Growth
Equity
NAV
1585.84
Min. SIP Amt
₹ 100
Value Research
Stars
1 Y Return
32.41 %
3 Y Return
13.74 %
5 Y Return
15.85 %
Tata Ethical Fund - Direct (G) - Growth
Equity
NAV
492.2904
Min. SIP Amt
₹ 100
Value Research
Stars
1 Y Return
32.6 %
3 Y Return
17.02 %
5 Y Return
24.85 %
Tata India Pharma & Healthcare Fund - Direct (G) - Growth
Equity
NAV
36.1349
Min. SIP Amt
₹ 100
Value Research
Stars
1 Y Return
55.88 %
3 Y Return
21.61 %
5 Y Return
30.25 %
Tata Digital India Fund - Direct (G) - Growth
Equity
NAV
61.3272
Min. SIP Amt
₹ 100
Value Research
Stars
1 Y Return
42.57 %
3 Y Return
14.65 %
5 Y Return
30 %
SBI Banking & Financial Services Fund - Direct (G) - Growth
Equity
NAV
42.1408
Min. SIP Amt
₹ 500
Value Research
Stars
1 Y Return
30.8 %
3 Y Return
15.84 %
5 Y Return
18.14 %
Aditya Birla SL India GenNext Fund - Direct (G) - Growth
Equity
NAV
259.36
Min. SIP Amt
₹ 100
Value Research
Stars
1 Y Return
37.99 %
3 Y Return
19.82 %
5 Y Return
24.09 %
Invesco India Financial Services Fund-Direct (G) - Growth
Equity
NAV
150.78
Min. SIP Amt
₹ 100
Value Research
Stars
1 Y Return
37.47 %
3 Y Return
18.09 %
5 Y Return
19.68 %
Sundaram Fin Serv Opportunities - Direct (G) - Growth
Equity
NAV
112.0892
Min. SIP Amt
₹ 100
Value Research
Stars
1 Y Return
27.68 %
3 Y Return
20.02 %
5 Y Return
20.83 %
SBI PSU Fund - Direct (G) - Growth
Equity
NAV
35.9436
Min. SIP Amt
₹ 500
Value Research
Stars
1 Y Return
59.61 %
3 Y Return
39.49 %
5 Y Return
28.79 %

Mutual Funds Calculator

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All you need to know about Mutual Funds

There are two types of mutual fund plans in India – Regular and Direct. Regular plans are ones which are done through an investment advisor or mutual fund distributor. Since the investor goes through an agent, the fees or commission payable to the agent are adjusted in the fund’s Net Asset Value (NAV). On the contrary, Direct mutual funds are purchased directly from the asset management company and thus eliminates costs related to third party agents or distributors. This ‘cost-saving’ has a direct impact on the fund’s expense ratio. Regular plans have higher expense ratio compared to direct plans and hence the ‘in-hand’ returns generated by direct mutual funds are higher than regular funds. By investing in direct plans, you can earn up to 1% additional returns on your investments.

Yes, there is a special type of mutual fund called Equity Linked Savings Scheme (ELSS) that can help investors save tax under Section 80C of the Income Tax Act, 1961. Investors can claim a deduction of up to Rs. 1.5 Lakh per annum. ELSS usually comes with a lock-in period of 3 years. While it may seem like a long period, ELSS have one of the lowest lock-in periods compared to other tax saving options like PPF (15 years), NPS (till retirement) etc. While a tax saving instrument, investors should remember that ELSS funds are equity-oriented in nature and can be large, mid, or small cap biased.

Mutual funds are a great way to diversify your portfolio. While there are endless subsets of mutual funds, the three core asset classes in mutual funds are equity, debt, and hybrid. Equity funds invest in equity stocks of companies listed on the stock exchange. They carry medium to high risk and range from relatively safer investments like large cap funds to risky investments (mid and small cap funds). Debt funds are comparatively safer as they invest in fixed interest generating investments like fixed deposits, commercial papers, certificates of deposits, treasury bills etc. They are ideal for conservative investors looking to beat inflation without exposing their capital to equity markets. Hybrid funds are a mix of both equity and debt. There are six types of hybrid funds each with a unique mix of equity and debt. These are ideal for beginners to test the waters, before going all in with equities.

Mutual funds are managed by a fund manager and a team of analysts and researchers who track market movements and control fund reallocation to maximise the fund’s performance and returns. To pay for their services, and the agent’s commission, fund houses factor in an expense ratio that is shared by all investors proportionately. When you invest in direct mutual funds, commissions are eliminated, thereby reducing the overall expense ratio, and giving you higher real returns.

Mutual funds are avenues for long term wealth creation. And to discourage investors from constantly churning their portfolio in the short term, mutual funds have the concept of ‘exit load’. Typically, for equity mutual funds, exit load is levied if you withdraw or sell investments within one year of purchase. In case of debt funds, the exit load period is reduced to 3 months. Liquid funds carry a 15-day or a 30-day exit load period.

Yes, there are mutual funds that carry lock-in period or a fixed maturity date. These can range from ELSS (lock-in period of 3 years) to close-ended funds like Fixed Maturity Plans (FMPs) and capital protection fund that are available for selling after a specific period. Since these funds are not open to regular buying and selling, fund manager and his investment bets play a critical role in fund performance.

Hybrid funds are a popular type of mutual funds that provide exposure to both equity and debt. While equity exposure aims to maximise capital appreciation, the debt portion provides stability as it invests in fixed interest generating debt instruments. There are 6 types of hybrid funds, ranging from aggressive hybrid funds (up to 80% allocation to equities) to conservative hybrid funds (up to 30%-40% exposure to equities).

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