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What is Mutual Funds & its types

What is Mutual Funds & its types

An example of mutual funds:

Let me explain an example of understanding about mutual funds. Suppose the Super Returns Asset Management Company has introduced a scheme called Super Returns Mutual Fund. Under this scheme, there is a Super Return Mid Cap Scheme. From the stock markets to the bottom of this scheme, 100 crores has been collected. If this scheme is an equity scheme, the majority of the shares will be spent. The same loan scheme is invested in government securities and bonds. The fund initially had a unit of Rs. Suppose 10 is given. Rs. 10 So totally Rs. 10,000 were purchased and 1,000 units were purchased. After a year, the Super Return Mid Cap Fund is worth Rs. 12 reached. If you sold your units back to mutual funds at this time, you will be paid Rs. Get 12,000.

Is this useful for a buyer who wants to buy new units?

The buyer who wants to buy new units will have to pay 12. Rs per unit. The next round of Super Return Mid Cap Fund is worth Rs. 12 If you grow up to 14, you can sell your units at that time. This will make you get more money.

Benefits of Mutual Funds:
Mutual funds can choose schemes as much as they want. Some people choose fixed Income Funds for monthly installments, and some select the Inquiry Funds placed in total shares. Many opportunities are available in mutual funds.



1. Equity funds
Equity funds are called funds for investors to invest in equity shares. These are a lot of risk. These funds will also result in greater losses for investors. Those who invest in the risk are the ones that are perfectly equitable fund equity funds.

2. Debt Funds

Debt funds open end-type funds. You can invest in any of these funds anytime. Investments can be withdrawn from these funds anytime. In some debt funds you will not get the real losses. Debt Funds are known to invest money into debt schemes issued by government securities, corporate debt and banks. Debt funds are suitable for those who do not want investors to risk.

3. Balanced funds
Different schemes are available to invest in equities based on your risk capabilities. Investing in balanced funds with a small amount of six months or a year is good. Largest funds are more flexible than balanced funds for five years. In the long term, the equities are the only ones that pay the inflows of inflation.

4. Money Market Mutual Funds
Money Market Mutual Funds Another name is Liquid Funds. Money Market Mutual Funds are funds that invest a large sum of money through deposits, treasury and papers. The money market mutual funds invest in a short period of time.

5 Guilt Funds

Guilt Funds if securities are higher. A large amount of money is invested in government securities. Investing in money in the banking sector does not have any trouble with your money.

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Mutual Funds companies in India

Mutual Funds companies in India

Mutual funds in India:

Many companies in India providing Mutual funds facility. below are the list of companies providing services



1. ICICI Prudential Mutual Fund

2. Birla sun life Mutual Fund

3. Reliance mutual fund

4. Axis mutual fund

5. HDFC Mutual Fund

6. SBI Mutual Fund

7. Sundaram Mutual Fund

8. IDFC Mutual Fund

9. Tata Mutual Fund

10. UTI Mutual Fund

11. L & T Mutual Fund

12. Franklin Templeton Mutual Fund

13. Kotak Mutual Fund

14. Principal Mutual Fund

15. Quantum Mutual Fund

16. DSP Blackrock mutual fund

17. IDBI Mutual Fund

18. BNP Paribas Mutual Fund

19. Canara Robbie Mutual Fund

20. HSBC Mutual Fund

21. Baroda Pioneer Mutual Fund

22. Taurus Mutual Fund

23. Motilal Oswal Mutual Fund

24. BIO Ax Mutual Fund

25. ******* mutual fund

26. LIC Mutual Fund

27. Invesco Mutual Fund

28. BNP Paribas Mutual fund

29. Canara Robeco Mutual Fund

30. DHFL Pramerica Mutual Fund

31. Edelweiss Mutual Fund

32. Essel Mutual Fund

33. Indiabulls Mutual Fund

34. JM Financial Mutual Fund

35. Mahindra Mutual Fund

36. Mirae Asset Mutual Fund

37. Motilal Oswal Mutual Fund

38. PPFAS Mutual Fund

39. Union Mutual Fund

40. Shriram Mutual Fund

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Want personal loan should remember these things!

Want personal loan should remember these things!

Want to have a personal loan? But you should remember these things!

Any employee who earns a ten thousand salary or a businessman who earns ten crores requires some loan at some point of time. Personal Loan helps to pay child’s fees, for marriage or hospital, are in need of help at any time in life time.

Personal loans

However, it is advisable that the personal loans should be taken if more urgent because its interest rates are higher. The underwriting, such as assets and shares, is required. But before you take the personal loan to remember below things.

personal loan

Keep these things in mind:

First of all, find out whether you are worthy of credibility.

Secondly, if you want to have a bank loan, you can go to the website and find out in the Personal Eligibility Calculator that you have a loan in any bank.

The third is that you have a loan, which means that the banks you give are in each place, ie the bank loan and the time limit will be the same.

Repayment capacity:

Make sure that you can pay the installment & interest for every month for the loan taken. Check whether income, expenses, savings can be analyzed and the money will be lost.


Advance payments

The advance payments are penalties, which means that if you have a pre-existing loan with your loan, the bank also penalizes it. If you do so, you can apply the lender to the banks that have been fined even before you pay the advance payment.

Interest Rates:

Interest rates are 8 to 16 percent based on credit score. Loan lenders need to take a loan in banks who have low-interest rates in order to find that interest rates are lower in any of the banks. Your employees, businesses, and pensioners have different interest rates for different categories.


Payment of EVM:

Loan and interest will be based on EIA. Other fees and charges are to be paid to the bank with the terms and conditions

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