Invest in Mutual Funds — Trusted by 1M+ Investors
Grow your wealth with India's best mutual funds. SEBI-registered, 30+ years of expertise, and ₹18,000 Cr+ AUM. Start your SIP in under 5 minutes — no paperwork, fully online.
What is a Mutual Fund?
A mutual fund is a SEBI-regulated investment vehicle that pools money from multiple investors to purchase a diversified portfolio of stocks, bonds, or other securities. A professional fund manager makes investment decisions on behalf of all investors.
Pooled Investment
Thousands of investors pool capital, giving each access to a diversified portfolio they couldn't build alone.
Professional Management
A SEBI-registered fund manager makes buy/sell decisions based on the fund's stated investment objective and market research.
SEBI-regulated
All mutual funds in India are regulated by SEBI and offered by AMFI-registered AMCs under strict disclosure and compliance norms.
How Mutual Funds Work
When you invest, you purchase units of a fund at the current Net Asset Value (NAV). The NAV changes daily based on the market value of underlying securities.
You invest money
Transfer funds via SIP or lumpsum. Your money is pooled with other investors.
Fund manager invests
Buys equities, bonds, or instruments per the fund's stated mandate and SEBI category.
NAV calculated daily
Total assets minus liabilities, divided by outstanding units = today's NAV.
You redeem at NAV
Units are redeemed at the current NAV. Gains or losses are credited to your account.
Types of Mutual Funds in India
SEBI classifies mutual funds into five broad categories. Each serves a different investment goal, risk profile, and time horizon.
Equity Funds
Invest primarily in stocks. 5+ year horizon. Highest return potential — large-cap, mid-cap, small-cap, and flexi-cap options.
Debt Funds
Invest in bonds, G-Secs, and money market instruments. 1–3 year horizon. Stable returns — better post-tax than FD for higher tax brackets.
Hybrid Funds
Mix of equity and debt — balanced risk-return. Balanced Advantage Funds dynamically adjust allocation based on market valuations.
Index Funds
Passively track Nifty 50, Sensex, or other indices. Expense ratios as low as 0.1%. Outperform most active large-cap funds over 10+ years.
ELSS Funds
3-year lock-in. Invest up to ₹1.5L per year and claim deduction under Section 80C. Shortest lock-in among all 80C instruments.
Liquid Funds
Invest in instruments maturing within 91 days. Earn 6–7% p.a. on idle cash with same-day or T+1 redemption — better than a savings account.
SIP — Systematic Investment Plan
A SIP lets you invest a fixed amount every month in a mutual fund. It removes the need to time the market and builds wealth through rupee cost averaging over time.
Feature
SIP
Lump Sum
Timing Risk
Low — averages entry price
High — market timing critical
Min Investment
₹500/month
₹1,000 one-time
Investment Discipline
Auto-debit = automatic
Manual decision each time
Best For
Salaried investors
Bonus / idle surplus
Bear Market Benefit
Better returns — lower avg cost
Full downside exposure
Mutual Fund Calculators & Tools
Use our free calculators to estimate returns, plan withdrawals, and compare strategies — before you invest a single rupee.
SIP Calculator
Estimate how your monthly SIP grows over 1–30 years with compounding.
Calculate Now →Lump Sum Calculator
Calculate the future value of a one-time investment at any expected return rate.
Calculate Now →ELSS Tax Calculator
See how much tax you can save under Section 80C with an ELSS investment.
Calculate Now →SWP, STP & Lump Sum — Other Investment Modes
Beyond SIP, there are three more investment modes suited for different financial stages and goals.
SWP
Systematic Withdrawal Plan
Withdraw a fixed amount monthly from your mutual fund. Provides regular income — ideal for retirement or supplementing salary.
STP
Systematic Transfer Plan
Transfer a fixed amount monthly from a liquid fund to an equity fund. Reduces lump-sum timing risk while staying invested.
Lump Sum
One-Time Investment
One-time large investment. Best when markets are at low valuations or when you have a sudden surplus like a bonus or inheritance.
Mutual Fund Risks & Riskometer
All mutual funds carry some degree of risk. SEBI mandates every fund to display a riskometer — a standardised risk scale from Low to Very High — so investors can assess suitability before investing.
Market Risk
Equity fund NAVs fall in market downturns. Mitigate by staying invested for 5+ years.
Fund Manager Risk
Active funds depend on manager decisions. A change in manager can shift risk-return profile.
Concentration Risk
Sectoral funds fall sharply if their sector underperforms. Diversify across fund categories.
Liquidity Risk
Some debt funds hold illiquid securities. Check exit load and lock-in before investing.
Tax Benefits of Mutual Funds
Mutual fund taxation in India depends on the fund type and holding period. ELSS funds offer the highest tax advantage — a deduction of up to ₹1.5 lakh under Section 80C.
Fund Type
Short-Term (STCG)
Long-Term (LTCG)
Holding Period
Equity MF
20% flat
12.5% above ₹1.25L
12 months (LTCG)
Debt MF
As per income slab
As per slab (no indexation)
24 months (LTCG)
ELSS
N/A (3-yr lock-in)
12.5% above ₹1.25L
3-year lock-in applies
Hybrid MF
20% flat (equity-oriented)
12.5% above ₹1.25L
12 months (LTCG)
* As per Budget 2025-26. Consult a tax advisor before investing.
How to Invest in Mutual Funds Online
Investing via Shriram is fully digital — no branch visit, no paperwork. Complete your KYC once and access thousands of funds instantly.
Create your account
Visit way2wealth.com or download the app. Enter your mobile number and email to register.
Complete KYC
Upload Aadhaar and PAN. Video KYC or Aadhaar OTP-based eKYC takes under 3 minutes.
Choose your fund
Use the fund screener to filter by category, risk, and returns. Compare direct vs regular plans.
Start SIP or invest lumpsum
Set your amount, frequency, and mandate via UPI or net banking. First unit allotted same day.
General Questions
Is mutual fund investment safe?
Mutual funds are regulated by SEBI and are not guaranteed products. They carry market risk, but diversification and long-term investing significantly reduce risk. Debt funds carry lower risk than equity funds.
What is NAV and how does it affect my investment?
NAV = (Total Assets − Liabilities) ÷ Units Outstanding, calculated daily after market close. You buy and sell units at the NAV applicable on your transaction date. A higher NAV does not mean a fund is expensive — what matters is its growth rate over time.
Can I withdraw money from a mutual fund anytime?
Open-ended mutual funds allow redemption on any business day at the applicable NAV. ELSS funds have a 3-year lock-in. Some debt funds have exit loads if redeemed before the minimum holding period — always check before investing.
What is the difference between Direct and Regular plans?
Direct plans are bought from the AMC without a distributor — lower expense ratio, higher returns. Regular plans pay commission to distributors — higher TER. Shriram offers Direct Plans at zero commission.
Can I start a SIP with ₹500?
Yes. Most funds allow SIPs from ₹500/month. Set up auto-debit SIPs on the Antara app — no paperwork, instant activation, cancel anytime.
Is mutual fund investment safe compared to FD?
Equity mutual funds are market-linked and not capital-guaranteed like FDs. Over 5–10 years, equity funds have historically delivered higher inflation-adjusted returns. Debt funds have lower risk but carry interest rate and credit risk.
What is the ELSS lock-in period?
ELSS funds have a mandatory 3-year lock-in from the date of each SIP instalment. After the lock-in, you can hold or redeem. ELSS qualifies for ₹1.5L deduction under Section 80C — the shortest lock-in among all 80C instruments.
Need A Clearer Direction?
Let's get in touch on a 15-minute call where we would be able to answer any questions you may have. Our Advisor will additionally help map your wealth mix and demonstrate what a dedicated advisor would do differently.
Start Your SIP in Mutual Funds Today
SEBI-registered. ₹18,000 Cr+ AUM. 1M+ investors trust us. Start your SIP in under 5 minutes — no paperwork, fully online.