Mutual Funds

Invest in Mutual Funds

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Direct Mutual Funds @ 0% Commissions

0% Commissions | Free Account Opening | High Returns
  • Overview
  • Top Rated Funds

Mutual Funds are investment tools wherein a number of entities/people (investors) who share a common financial goal invest capital. The pool of money is maintained by a fund manager who then invests the sum into company stocks, shares and bonds. The Securities and Exchange Board of India (SEBI) regulates mutual funds in India. With Bajaj Finserv MARKETS, you get to invest in Direct mutual funds where you, as an investor. can buy trade directly with the mutual fund company without the need for a broker. This is beneficial as the elimination of a broker means that you do not have to pay any commission/fee.

Types of Mutual Funds

Mutual funds investments are one of the best options for people who do not have the expertise to invest in the market. Top-rated mutual funds are run by professional managers who pick different instruments to invest in. Since mutual funds pool capital from different investors, it reduces the overall risk of investment. Mutual funds are also liquid which means they can be sold at any time. Looking for the best Direct mutual funds to invest? Read on, you are at the right place!

Equity Funds

Equity mutual funds invest at least 65% of their funds into equity shares. These funds are named after the stocks that they invest in i.e. large cap, small cap, mid cap, sector-based stocks. Equity mutual funds are risky because their movement and growth are dependent on stock market performance. In case the market falls, it may lead to a loss of capital. Equity mutual funds may issue a dividend in case an income plan is selected. In case of a growth plan, the dividend is reinvested in the company leading to growth.

Debt Funds

Debt mutual funds invest in a range of fixed income instruments based on their maturities. These instruments are:

  • Money market instruments
  • Government securities
  • Rated bonds
  • Corporate bonds and debenture
  • Commercial paper Treasury bills
  • Fixed-income securities

Generally, these best mutual funds have fixed or assured returns. These funds are an excellent option for people looking for capital protection and an assured return. Since these funds are liquid, they provide additional convenience since they can be liquidated at any point in time.

Hybrid Funds

These funds invest in a mix of debt and equity. Depending on the investment strategy adopted by the fund, the mix between debt and equity will change i.e aggressive hybrid funds invest majorly in equity whereas conservative hybrid funds invest the majority of their funds in debt instruments.

Why choose Finserv MARKETS for Mutual Funds Investments?

0% Commission

Commission and brokerage eating up into your returns? At Finserv MARKETS, you get to invest in your desired products without losing money on commissions.

Free & Fast Account Opening

Open an account with us and get financial planning tips and investment advice in just a few clicks.

Portfolio Insight

Open an account and get detailed portfolio summaries and insights into the performance of your investments.

Easy Set-up

Setting up this account is extremely simple. All you need to do is submit your KYC documents and fill up a few details on the website.

Exclusive Offers

Get exclusive offers based on your risk profile and your investment goals. Personalized financial planning has never been this easy.

How To Apply?

Just follow the steps below and apply online! No branch visits, no long waits with Finserv MARKETS. Your online mutual fund is just a few clicks away.

  • Choose your Direct Mutual Fund

  • Provide investment amount

  • Complete your KYC

  • Complete your payment

Comparison between Regular and Direct Mutual Funds

Particulars

Direct Mutual Fund

Regular Mutual Fund

Expense ratio

Lower since no commission is paid out to the intermediary

Higher since some amount gets paid to the brokers as commission

Advice/Guidance

Minimal. 

Yes. Guidance provided by broker

Net Asset Value (N.A.V)

Marginally higher as compared to the regular plan

Lower than the growth plan option

Research & market knowledge required

Perfect for the market and those interested in investing

The qualified intermediary guides as per the individual goals and risk appetite

Convenience

This investment has to be made directly with the mutual fund house.

Needs the assistance of a broker

Returns

A Direct mutual fund has higher returns than a regular plan because of a lower expense ratio.

AMC fees reduce returns on a regular mutual fund option plan.

Mutual Funds Online

Mutual funds investments are a pool of funds wherein a number of investors with a common financial goal invest capital that is maintained by a fund manager who then invests the sum into company stocks, shares and bonds. This investment is done in alignment with the risk profile/appetite of the investors. In India, mutual funds are regulated by the Securities and Exchange Board of India (SEBI).

Factors Affecting Mutual Funds

The two major parameters that determine the decision to go for mutual fund investments are your financial goals and risk appetite.

First of all, you need to identify your financial and investment goals. Some Mutual Fund schemes are suitable for short term requirements or goals, whereas some might be better for long term goals. It is imperative that they are aligned with your goals. Often, your goal might also have something to do with investing with a specific purpose, or in a specific sector. There are sector-focused mutual funds for that.

The other parameter to consider is the risk appetite. Your risk profile governs the extent of risk you are happy to be exposed to. Some people may be okay with high exposure to risk if that means the possibility of high returns. Such investors will likely opt for equity mutual funds. The more conservative investor may be keen on getting an assured return, and would thus opt for debt mutual funds.

You can seek help from financial planners or investment advisers or Mutual Fund distributors to assess your risk appetite and align your portfolio with your overarching financial goals.

Benefits of Investing in Mutual Funds with Finserv MARKETS

Mutual fund investment solves one of the most nagging problems facing the investors: which instruments are the best to invest in? They either don’t have the knack, time, interest or the knowledge to conduct the research to get an answer. Mutual funds essentially help outsource the work of management of these investments. The fund managers execute all the administrative work as well as choose the investment funds to align with the investors’ goals.

Here are the Benefits of Investing in Mutual Funds with Finserv MARKETS

  • Professional Fund Management

Mutual funds are managed by professional fund managers and as an investor, you benefit from their research and expertise. While this may not completely eliminate risk, it certainly lowers it.

  • Diversification

Mutual Funds invest in a basket of securities. Diversification helps in minimizing the risk from a specific security’s under-performance.

  • Caters to financial/investment goals

If the time horizon of the investment is in sync with the fund selected, you protect yourself from very short term fluctuations. For example, if you have invested in an Equity Fund, you may be affected by short term fluctuations, but over a longer-term, you would be more likely to get the long term returns associated with equities.

  • Liquidity

Liquidity is ease of access or conversion of an asset into cash. Mutual funds can be easily withdrawn in most cases, except the Equity Linked Savings Scheme (ELSS) which comes with a lock-in period of 3 years.

  • Withdrawals

Most of the mutual fund schemes are open-end schemes, which means they can be encashed easily. Once the redemption is complete, funds are transferred to the designated bank account of the investor, within 3 business days after the redemption was lodged. However, there may be an exit load period in certain schemes, and some fund managers may indicate a minimum amount for redemption.

  • Tax benefits

ELSS, as mentioned above, are the mutual fund schemes that allow an investor a deduction from the total income of up to Rs. 1.5 lacs under Sec 80C of Income Tax Act 1961.

Why Mutual Fund from Finserv MARKETS?

Mutual Fund

Invest in professionally managed Direct Mutual Funds online at Finserv MARKETS. Open an account with us and invest in funds of your choice without having to pay any brokerage fee. What’s more! It is extremely simple to set up a Mutual Fund account with us – all you need to do is submit your KYC documents and fill up a few details. Moreover, you can start a SIP for as little as Rs. 500 per month!

Manage all your queries here

  • ✔️What is TDS?

    Tax Deducted at Source or TDS is a provision under which organizations have to deduct tax on behalf of the investor and deposit it with the Central Government. The rate for TDS is different depending on the type of income. The investor can claim credit for these taxes paid to the Central Government at the time of filing returns. In case the investor’s income is below the no tax limit, then he has to file a Form 15G/15H with the company to ensure no tax is deducted on this income.

  • ✔️What are the KYC documents needed?

    The KYC documents required are: 1. Identity proof (PAN card/Aadhar card/Passport/ Driving License/ Voter ID) ; 2. Address proof (Aadhar Card/Passport/Driving License/Voter ID/Electricity bill/Gas bill/Telephone bill/Property ownership papers such as house purchase agreement, society registration documents, bank loan agreement/Ration card).

  • ✔️Why do I need to record a video for KYC?

    As per Reserve Bank of India guidelines, we need to perform Know Your Customer (KYC) for every customer we serve. To make it convenient for the customer, we offer online verification using a video. This helps us verify your identity and comply with RBI guidelines.

  • ✔️Why do I need to provide a selfie?

    The photograph helps us assess your identity for the purpose of KYC.

  • ✔️Why does Finserv MARKETS need a photograph of my PAN Card?

    All investments in mutual funds need to be linked to the investor’s Permanent Account Number (PAN).

  • ✔️Why do I need to provide a photograph of my address proof?

    As a part of Reserve Bank guidelines, we have to perform a Know Your Customer (KYC) check for each customer. This includes verifying the address proof. To verify address proof, we have a list of acceptable documents which you can photograph and submit to us. This will help us verify your address and complete KYC proceedings. Some address proof documents are: 1. Passport 2. Aadhar Card 3. Driving License 4. Voter ID 5. Telephone bill with your name 6. Electricity bill in your name 7. Gas bill in your name 8. Ration card with your name 9. Property ownership or rental papers If you are already an existing customer then no additional KYC needs to be done.

  • ✔️Why does Bajaj Finserv MARKETS need a photograph of a cancelled cheque?

    To make investments from a particular bank account, it is necessary to capture the bank details accurately. This is done by the photograph of the cancelled cheque. The cheque needs to be cancelled to ensure complete safety. A cancelled cheque cannot be reused by anyone, even from the image. A cancelled cheque ensures we can capture the bank account details and verify whether you are authorized to operate the bank account.

  • ✔️What percentage of my salary should I save?

    How much of your salary to save depends on your investment goal. You may have different goals such as building a retirement corpus, funding travel goals, child’s education expenses and others. To ensure you meet your fund requirements for each of these goals, you will need to invest every month in them. Ideally, it is recommended to invest between 20% to 30% of your salary to fund your different short term and long-term goals. The better strategy is to fix the amount you want to invest every month and in case you have surplus funds, you can deploy them in relatively less risky mutual funds that give you a chance to grow your capital and liquidity.

  • ✔️How can I make more money than my fixed deposits, without taking more risk?

    There are different investment options where you can make more money than a fixed deposit. To begin with, there are a range of debt mutual funds which invest in different instruments such as Government securities, money market instruments, commercial paper etc. These have a fixed return that is often on par or higher than fixed deposits without locking capital. After you get some comfort investing in mutual funds, you can invest in hybrid and equity mutual funds. The risk on these is higher than a debt mutual fund, however, they have a greater chance of improving and growing your capital.

  • ✔️How do I grow wealth/make more money?

    Here are a few tips to grow your wealth: 1. Make investments every month. Be sure to invest a small sum in different instruments depending on your goals 2. Don’t leave a high balance in your savings account. Deploy it in other instruments which will earn a higher rate of return. 3. Invest based on your goals and fund requirements i.e. short-term fund requirements such as child’s education and longer-term fund requirements such as retirement. Investments for these goals should be done separately. 4. Review your investments periodically

  • ✔️What is a Direct mutual fund?

    There are two broad categories of mutual funds in India - Direct and Regular. A Direct mutual fund is one where the investor can trade with an Asset Management Company (AMC) directly. There is no third-party or broker involved when buying and selling assets. As a result, the investor doesn't have to pay any brokerage fee or commission. Due to a lower expense ration, investors can earn high returns.

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