Love Mutual Funds?
Whatever your investing style, we have a solution for you!
schemes
SIPs
MF baskets
Why Anand Rathi for Mutual Funds?
Personalized support, advanced platforms, curated baskets - delivered with decades of market experience
Competitive Returns
Move with market trends through select high-performing funds, backed by research.
Comprehensive Mutual Fund Collection
Select from 5000+ diverse Mutual Fund schemes, suited for your every need.
Advanced Digital Tools
Easily manage your portfolio and explore new opportunities with our AR Invest app & digital platform.
Download the AR Invest App
All About Mutual Funds
A Mutual Fund is a professionally managed investment vehicle that pools money from multiple investors to purchase securities like stocks, bonds, and other assets. This allows everyday investors to access diversified portfolios managed by financial experts.
Portfolio Diversification
Spread risk across multiple securities
Professional Management
Expert fund managers handle investments
Flexible Investment Options
Choose from equity, debt, hybrid, and more
Affordable Entry Point
Start with as little as ₹500 per month
Anand Rathi offers a diverse Mutual Fund range backed by 30+ years of market expertise. Get exclusive access to top performers and research-backed recommendations tailored to your goals.
Why Mutual Funds?
Mutual Funds offer a range of benefits for investors with varied financial goals:
Diversification
Mutual Funds invest in a diversified bucket of assets, reducing the concentration risk presented by individuals
Professional Management
Expert fund managers handle investment decisions, improving potential returns through their market knowledge and experience.
Liquidity
Unlike some long-term investments, Mutual Funds generally allow for easy redemption. This means you can sell mutual units and access your funds quickly when required.
Cost-Efficient
By investing in a Mutual Fund, you benefit from lower costs associated with asset management. All expenses and fees are shared across all investors in the fund.
Know Your Mutual Funds
Equity funds allocate the majority of the investment amount to stocks. These funds are best suited to investors who are comfortable with short to medium-term volatility and a long investment horizon. Within the universe of equity funds, investors can further diversify their exposure in different categories:
- Large Cap Funds :Focus on well-established companies with strong market positions.
- Mid and Small Cap Funds :Target emerging companies with high growth potential.
- Sectoral and Thematic Funds :Invest in specific sectors that may be in economic focus or have potential for an uptrend.
How to Invest in Mutual Funds Online in India?
Invest in Mutual Funds online with a few easy steps!
Open an Investment Account
Choose a platform with a robust selection of Mutual Funds online and open an account. Make sure the platform lists fees and charges and allows for easy redemption and switching of fund units.
Complete the KYC (Know Your Customer) Requirements
KYC compliance is mandatory for Mutual Fund investments in India. Gather documents such as:
- Identity Proof (Aadhaar, PAN card, Passport)
- Address Proof (Utility bill, Passport, Rent Agreement)
- Bank Account Details for linking your bank with your Mutual Fund account
Select and Invest In a Mutual Fund
Choose a Mutual Fund and make an investment via bank transfer, UPI, or net banking. You can invest a lump sum or start a SIP. If you choose the SIP option, the platform may request a bank mandate to automate your investment for your convenience.
Track Your Investments
Monitor your portfolio's performance, review returns, and explore additional investment options. You can view your portfolio's progress and rebalance it anytime through Anand Rathi’s easy-to-use mobile and web platforms.
How to Choose a Good Mutual Fund?
Selecting the right Mutual Fund is a critical step in achieving your financial goals. Here are some key factors to consider when picking a fund to invest in:
1.
Define Your Financial Goals
Start by clarifying your objectives, such as wealth accumulation, income generation, or saving for specific milestones.
2.
Evaluate Risk Tolerance
The risk associated with Mutual Funds varies depending on the fund type. Equity funds are generally suited for higher-risk tolerance and long-term growth, while debt funds offer stability with lower risk. Hybrid funds provide a balanced approach. Choose funds that match your risk appetite and investment objective.
3.
Evaluate Historical Performance
Look at the shortlisted fund's returns over 3-year, 5-year, and 10-year periods to understand its performance in varying conditions. Remember that past performance does not guarantee future results
4.
Consider Expense Ratio
The expense ratio includes all the costs associated with management and operation of the fund. Higher expense ratios can eat into your returns over time.
5.
Check the Fund Manager's Track Record
The performance of Mutual Funds in the same category can vary depending on the fund manager's skills and experience. Review the manager's track record and past success with similar funds to gauge their capability.
6.
Review Portfolio Composition
Understanding the asset allocation within a fund, ensure it aligns with your objective, and compare with other investments to maintain portfolio diversification.
Mutual Fund FAQs
Your Questions, Answered
What is a Mutual Fund?
A mutual fund is an investment vehicle that pools money from various investors to invest in a diversified portfolio of stocks, bonds, or other securities. They are professionally managed, allowing investors to benefit from expert oversight and market insights for a minimal fee that is included in the price of the mutual fund units.
Do I Need a Demat Account to Invest in a Mutual Fund with Anand Rathi?
No. While it is possible to store mutual funds units in demat form, most platforms do not require a demat account to invest in mutual funds. You can invest directly through our web portal or the AR Invest app.
What Documents are Required for Investing in Mutual Funds?
You will need to complete KYC requirements, which typically involve:
- Identity Proof: PAN card, Aadhaar, Passport, etc.
- Address Proof: Utility bill, bank statement, or other accepted proofs.
- Bank Account Details: To link your bank to your investment account.
Can I Cancel or Pause My Mutual Fund Investment?
Yes, mutual fund investments are flexible, allowing you to stop or cancel at any time. For SIP investments, you can pause or discontinue payments without penalties in most cases. Make sure to read the terms and conditions or consult an advisor to understand any exit load or tax implications.
Are Mutual Fund Investments Usually Profitable?
Mutual funds have the potential to offer competitive returns compared to many asset classes. While they involve risk, diversification, and professional management can help provide balance and produce positive outcomes.
What are the Risks of Investing in Mutual Funds?
Mutual funds come with market-related risks, such as changes in price and interest rates. Equity funds tend to be more vulnerable to market movements while debt funds are more sensitive to interest rates and credit risk. It’s essential to choose funds that align with your risk tolerance and maintain a diversified fund portfolio.
What is the Minimum Amount Required to Invest in a Mutual Fund?
You can start investing in many mutual funds with amounts as low as ₹500 for SIPs.
Is a Mutual Fund Better than an ETF?
Mutual funds and exchange-traded funds (ETFs) are similar in principle but differ in their structure and trading flexibility. Mutual funds are purchased and sold through investment platforms and AMCs, while ETFs trade on exchanges like stocks.
What is Better – SIP or Lumpsum Mutual Fund Investment?
This depends on individual investment styles and preferences.
- SIP: Systematic Investment Plans are ideal for regular, smaller contributions, helping investors benefit from rupee cost averaging and disciplined investing without actively tracking market movements.
- Lumpsum: A one-time investment can be beneficial if you have a larger amount to invest and a long-term horizon. Active market participants who can tolerate short-term market volatility may use this approach to target higher gains.
What is AUM (Assets Under Management)?
AUM, or Assets Under Management, is the total market value of all assets that a mutual fund manages. It helps investors get an idea about the fund's size and can impact the fund's investment strategy and performance.
What is the TER (Total Expense Ratio) in Mutual Funds?
TER, or Total Expense Ratio, is the cost that a mutual fund charges for managing the fund. This fee includes administrative, management, and operational costs associated with running the fund. A lower TER can have a positive impact on net returns for investors in the long run.
What is NAV (Net Asset Value) in Mutual Funds?
NAV is the per-unit price of a mutual fund, similar to the Last Traded Price (LTP) of a stock. The NAV is updated daily based on the fund’s performance.
What is the Difference Between Growth and Dividend Options in Mutual Funds?
This depends on individual investment styles and preferences.
- Growth Option: Earnings are reinvested in the fund, leading to potential capital appreciation.
- Dividend Option: Profits are distributed periodically to investors as dividends. This option is suited for investors seeking regular income.
How Do I Redeem Mutual Fund Units?
You can redeem mutual fund units from the website of your Asset Management Company (AMC) or through the investment platform you used to purchase the units. Just log in to your investment platform, select the fund, and place a redemption request. Depending on the fund type, the money is typically credited to your bank account in 1-3 business days.
What is the Lock-In Period in Mutual Funds?
A lock-in period is the minimum time investors must hold onto their mutual fund units. Most mutual funds do not have lock-in periods. A notable exception is ELSS funds, which have a three-year lock-in period from the date of investment.
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Anand Rathi Share and Stock Brokers Ltd.
SEBI Registration No.: INZ000170832 (BSE-949 | NSE-06769 | MSEI-1014 | MCX-56185 | NCDEX-1252), CDSL & NSDL: IN-DP-437-2019. *Research Analyst - INH000000834. PMS: INP000000282 is Registered under "Anand Rathi Advisors Limited" | MBD-INM000010478 is Registered under "Anand Rathi Advisors Limited"| NBFC is Registered under "Anand Rathi Global Finance Limited" Regn. No.: B-13.01682 | Insurance is Registered under "Anand Rathi Insurance Brokers Ltd." License No. 175. Insurance Corporate Agent: CA1048 (This registration shall be valid from 04-Jun-2025 to 03-Jun-2028).
Anand Rathi International Ventures (IFSC) Private Limited.
SEBI Registration No.: INZ000292939 (INDIA INX Member Code: TM - 5064 | NSE IX Member Code: TM -10048, IIBX Member Code: TM – 2011), IIDI DP ID 350071 AND Registration No.: IFSCA/DP/2022-23/007, IFSCA/CMI/Distributor/2023-24/0002. CIN No.: U65999GJ2016PTC094915. For any complaints email at Ifscgrievance@rathi.com. Regulator: International Financial Services Centres Authority (IFSCA)- https://www.ifsca.gov.in/
Disclaimer:
Equity: Investment in securities market are subject to market risks, read all the related documents carefully before investing.
The securities are quoted as an example and not as a recommendation.
Mutual Funds: Mutual Fund investments are subject to market risks, read all scheme related documents carefully before Investing. AMFI-Registered Mutual Fund Distributor: ARN-4478 (Initial Registration 4th Feb, 2003 & Valid From 2nd April, 2025 - 1st April, 2028) : Anand Rathi Share and Stock Brokers Ltd. | ARN-111569: Anand Rathi Wealth Limited | ARN-100284: AR Digital Wealth Private Limited.
IPO: Opening of account will not guarantee allotment of shares in IPO. Investors are requested to do their own due diligence before investing in any IPO.
*Third Party products: All third-party products like PMS, Mutual Funds, Fixed Income Products, IBS, Bonds, AIFs are not Exchange traded product and "ARSSBL" is just acting as distributor. All disputes with respect to the distribution activity, would not have access to Exchange investor redressal forum or Arbitration mechanism.
MTF: MTF is subject to the provisions of SEBI Cir. CIR/MRD/DP/54/2017 dt June 13, 2017 & terms and conditions mentioned in rights and obligations statement issued by the ARSSBL
Investment Baskets: Baskets are not Exchange traded product, all disputes with respect to this activity, would not have access to Exchange investor redressal forum or Arbitration mechanism.
Research Analyst: The views expressed in this website accurately reflect the personal views of the analyst(s) about the subject securities or issuers and no part of the compensation of the research analyst(s) was, is, or will be directly or indirectly related to the specific recommendations or views expressed by the research analyst(s). The advertisment are bound by stringent internal regulations and also legal and statutory requirements of the Securities and Exchange Board of India (hereinafter "SEBI").
Certification: Registration granted by SEBI and certification from NISM is in no way a guarantee of performance of the intermediary or provides any assurance of returns to investors.
*Award Winning Research: Anand Rathi Share and Stock Brokers Limited (Research Analyst) was awarded as "Best Equity Advisor" at World BFSI Congress & Awards 2022
*Client Data: Client data shown on this website is as on 31st March 2025
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IPO Disclosure:
Anand Rathi Share and Stock Brokers Limited is proposing, subject to receipt of requisite approvals, market conditions and other considerations, to make an initial public offer of its equity shares and has filed a draft red herring prospectus (DRHP) with the Securities and Exchange Board of India (SEBI). The DRHP is available on the website of SEBI at www.sebi.gov.in as well as on the websites of the Book Running Lead Managers, Nuvama Wealth Management Limited at www.nuvama.com, DAM Capital Advisors Limited at www.damcapital.in, and Anand Rathi Advisors Limited at www.anandrathiib.com, the websites of the stock exchange(s) at www.nseindia.com and www.bseindia.com, respectively. Any potential investor should note that investment in equity shares involves a high degree of risk and for details relating to such risk, see 'Risk Factors' of the DRHP. Potential investors should not rely on the DRHP for any investment decision.