Higher riskEquity Mutual Funds
Schemes that invest mainly in listed company shares across large, mid and small capitalisation ranges.
What you can hold
Nine product categories, one point of service
Each category behaves differently in a falling market, and each is suited to a different holding period. The tag on each card is a broad indication only — the scheme document is the authority.
Higher risk
Lower riskDebt Mutual Funds
Schemes holding government securities, bonds and money market instruments of varying maturity.
Moderate riskHybrid Funds
A mix of equity and debt in one scheme, with the blend set by the scheme mandate.
3-year lock-inELSS (Tax-Saver) Funds
Equity schemes eligible under Section 80C with a three-year lock-in on every instalment.
Index linkedIndex Funds & ETFs
Schemes that track an underlying index rather than relying on scheme selection.
Fixed tenureFixed Deposits
Company and bank deposits with a stated interest rate and fixed tenure.
ProtectionLife Insurance
Term cover and traditional policies that pay out to your nominee.
ProtectionGeneral Insurance
Motor, home, travel and shop cover for the things you own.
ProtectionHealth Insurance
Individual, family floater and senior citizen cover for hospitalisation costs.
Choosing between them
Horizon first, category second
The single most useful question is not which scheme is performing best. It is when you need the money back.
- Money needed within a year usually belongs in liquid or ultra-short debt, not equity
- Money needed in three to five years suits hybrid or shorter-duration debt categories
- Money with a horizon beyond seven years can carry equity risk more comfortably
- Money you cannot afford to lose at all belongs in a deposit, not a market-linked scheme
Risk labels such as "higher risk" are broad indications for reading this page only. Every scheme carries its own riskometer in the Scheme Information Document, and that is the classification that applies.
Before you invest in any of these
Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing. The value of units can go up as well as down depending on the factors and forces affecting the securities market, and there is no assurance that the objective of any scheme will be achieved.
Fixed deposits with companies carry credit risk, meaning the issuer's ability to repay determines whether you get your money back; a stated interest rate is not the same as a guaranteed one. Bank deposits are covered by deposit insurance up to the limit prescribed by DICGC.
Insurance is a subject matter of solicitation. Premium, sum assured, exclusions, waiting periods and claim settlement are governed entirely by the policy document issued by the insurer.
Nothing on this page is investment advice or a recommendation to buy or sell any particular scheme or product. Please read the Scheme Information Document, Statement of Additional Information and Key Information Memorandum, assess suitability against your own risk profile, and consult your tax and legal professionals where relevant.
Our AMC partners
Schemes from the fund houses you know
We are empanelled with leading Asset Management Companies, so you can hold schemes from several fund houses under one point of service. Logos belong to the respective AMCs.
Tell us the horizon. We will narrow the list.
Most investors do not need nine categories. They need two or three, chosen against when the money is required.
