How mutual funds work
A scheme pools investors’ money and invests according to its stated objective. Fund managers make investment decisions; you hold units whose value changes with the portfolio. Read the Scheme Information Document, Statement of Additional Information and Key Information Memorandum.
SIP and lumpsum
A SIP invests a chosen amount regularly; a lumpsum invests a one-time amount. A SIP can support discipline, but does not guarantee profit or protect against falling markets.
Explore the SIP calculator ↗Systematic withdrawals
An SWP redeems units periodically. Withdrawals are not guaranteed income or interest and can reduce or exhaust capital.
Explore the SWP calculator ↗Categories and risk
Equity, debt and hybrid schemes have different objectives and risks. Debt funds also face credit, liquidity and interest-rate risk. Check the scheme’s current Riskometer, costs, exit loads and documents; category labels alone do not establish suitability.