The mutual fund categories and investment routes we help clients access. Exact scheme suitability depends on your goal, horizon and risk appetite — this page is illustrative, not a recommendation.
Mutual fund categories
Open-ended equity, debt, hybrid and index schemes across 26 AMCs, chosen against your goal and risk profile rather than short-term performance.
Ask about Mutual Funds| Category | Best for | Risk | Typical horizon |
|---|---|---|---|
| Equity | Long-term growth | High | 5+ years |
| Debt | Capital stability | Low–Moderate | < 3 years |
| Hybrid | Balanced growth | Moderate | 3–5 years |
| ELSS | Tax saving (80C) | High | 3-yr lock-in |
| Index Funds & ETFs | Low-cost market tracking | Varies by index | 5+ years |
| Liquid / Overnight | Parking short-term surplus | Low | Days to months |
| Solution-oriented | Retirement or children’s goals | Varies | 5-yr lock-in |
Ways to invest
The same mutual fund scheme can be used in different ways depending on whether you’re investing from monthly income, deploying a one-time amount, or drawing a regular income from an existing corpus.
Try the calculators| Route | How it works | Suits |
|---|---|---|
| SIP | Fixed amount invested every month | Regular income, long-term goals |
| Lumpsum | One-time investment | Bonus, maturity or surplus amounts |
| STP | Gradual transfer from a debt to an equity scheme | Staggering a large lumpsum into equity |
| SWP | Fixed amount redeemed every month | Regular income in retirement |
