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Invest in Mutual Fund

Why Invest in Mutual Funds?

Mutual funds are a smart way to diversify your portfolio, access professional fund management, and enjoy potential high returns. Whether you are a seasoned investor or just starting, mutual funds offer a variety of benefits tailored to your financial goals.

The IndusInd Bank Advantage

Choose from 500+ Large, Mid & Small Cap Equity and Tax-Saver Funds.

Get personalised fund options that match your risk appetite

Invest in SIPs starting at just ā‚¹500, or opt for a one-time lumpsum investment

Enjoy 100% Digital Process to track & manage all your funds instantly!

Types of Mutual Fund

Large-Cap Funds
Invest in well-established companies with a strong track record, offering stability and consistent returns with lower risk.

Mid-Cap Funds
Focus on medium-sized companies that have the potential for significant growth, balancing moderate risk with higher return prospects.

Small-Cap Funds
Invest in emerging companies with high growth potential, offering the possibility of substantial returns but with higher volatility and risk.

Tax-Saving Funds
Often in the form of Equity-Linked Savings Schemes (ELSS), provide the opportunity for capital appreciation while offering tax deductions under Section 80C of the Income Tax Act.

How to invest in Mutual Funds?

Step 1
Login to your Indus Netbanking account or IndusMobile banking app.

Step 2
Click on ā€˜Investā€™ section and complete your investment account opening in a few steps.

Step 3
Take a short assessment to understand your risk profile

Step 4
Browse through a variety of fund collections to choose the best funds as per your goals.

Step 5
Invest in SIP or lump sum in a single click

Mutual Fund FAQs

  • What are Mutual Funds and how do they work?

    A mutual fund is a pooled investment vehicle where money from multiple investors is combined to invest in a diversified portfolio of stocks, bonds, or other securities. By investing in mutual funds, you benefit from diversification, professional management, and potential returns.

  • How do I choose the right mutual fund for my investment goals?

    Selecting the right mutual fund depends on your financial objectives, risk tolerance, and investment timeline. If you're looking for steady growth with lower risk, Large Cap Funds - which invest in well-established companies - might be ideal. Mid Cap Funds are suitable for those seeking a balance of growth and risk, investing in medium-sized companies with high growth potential. Small Cap Funds cater to investors with a higher risk appetite, focusing on smaller companies that offer significant growth opportunities. For those looking to save on taxes while investing in equities, Tax Savings Funds (ELSS) are an excellent choice, providing tax benefits under Section 80C.

  • What is the difference between SIP and Lump Sum investments?

    A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly, typically monthly, into a mutual fund. Itā€™s a disciplined approach that helps you invest consistently over time, irrespective of market conditions. Lump sum investment, on the other hand, involves investing a large amount at once. SIPs are ideal for those who want to start small and grow their investment, while lump sum investments may suit those with a significant amount of capital to invest.

  • What are the fees associated with investing in mutual funds through IndusInd Bank?

    When you invest in mutual funds through IndusInd Bank, you may be subject to certain fees such as expense ratios, which cover the management and operational costs of the fund. However, IndusInd Bank ensures transparency in fee structures, and youā€™ll receive a clear breakdown of any costs involved during the investment process.

  • How can I monitor the performance of my mutual fund investments?

    With the IndusMobile app or IndusNet banking portal, monitoring your mutual fund investments is seamless. You can view real-time updates, performance charts, and detailed reports directly in one go. These tools help you track your investments and make informed decisions as your financial goals evolve.

  • Are mutual funds safe and what are the risks involved?

    Mutual funds do carry some level of risk depending on the type of fund you choose. With Large Cap Funds, the risk is generally lower as they invest in well-established, financially stable companies. Mid Cap Funds and Small Cap Funds are subject to higher volatility, as they invest in companies that can experience more significant price fluctuations. Tax Savings Funds or Equity Linked Savings Scheme (ELSS), while offering tax benefits, are also invested in equities and can be impacted by market movements. It's important to match your risk tolerance with the type of fund that align with your financial goals.

  • Can I redeem my mutual fund investments anytime?

    Yes, mutual funds generally offer high liquidity, allowing you to redeem your investments as needed. However, certain funds, like ELSS, come with a lock-in period. With IndusInd Bank, you can easily redeem your investments via Indus Netbanking or the Indus Mobile banking app, with the proceeds typically credited to your account within a few business days.

  • What are the tax implications of investing in mutual funds?

    The tax implications for mutual funds vary based on the type of fund and the duration of your investment. Large Cap, Mid Cap, and Small Cap Funds are treated as equity funds for tax purposes. If you hold these investments for more than a year, they qualify for long-term capital gains tax. Whereas Tax Savings Funds not only offer the potential for returns but also provide tax benefits under Section 80C of the Income Tax Act, allowing you to claim deductions of up to ā‚¹1.5 lakh annually.

Mutual Fund Blogs

There is a mutual fund for every goal

We all have friends who always stand by us through thick and thin! They are the ones who can light up our sad moments and double the fun in our good times! Mutual Funds are among such friends that will always be with you, come what may! Hereā€™s why ā€“

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Kill the inflation demon with Mutual Funds

One of the most ignored demons in the financial world is inflation. It is ignored despite the fact that it can silently nibble away your savings and investments and has the potential to wreak havoc with our financials.

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Know the Eighth Wonder of the World

Wondering which is the eighth wonder of the world? No ā€“ itā€™s not a monument, neither any majestic human creation nor a natural scenic beauty. It is the most powerful tool in the universe to grow your money exponentially.

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All you wanted to know about NFOs

You must have come across many advertisements promoting launch of a new mutual fund, commonly known as New Fund Offerings (NFOs). If you are wondering it is the same as a regular mutual fund, then hereā€™s a brief guide to clarify all your doubts.

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What's your risk tolerance level?

One of the most successful investors of all time, Warren Buffet, said ā€œRisk comes from not knowing what you are doingā€. In other words, you should know ā€˜what you are doingā€™ before you invest.

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Double delight with ELSS

Won's you like your ice-cream with a double scoop and lots of toppings? Then why settle for less when it comes to Tax Savings?

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SIP & IT'S BENEFITS

Just as little drops of water make the mighty ocean small and regular Systematic Investment Plan (SIP) in mutual funds can help you build a large corpus over the long term.

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What are the parameters you need to compare in MF's

In a supermarket how do you find the product of your choice? You narrow down products using filters such as product category, brand name, price etc.

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Shape your child's future with MF'S

Every parent wishes their child to be happy! Buying the favorite ice cream, a dearest superhero merchandise or the latest Barbie dress can make your child happy instantly but such happiness are short lived.

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Performance doesn't lie, but key lies in understanding it

We all know that mutual funds ā€˜sahiā€™ hai, but do you know which mutual fund is right for you? With thousands of mutual fund schemes available today, selecting the right fund can be a challenging task.

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Learn these ratios to become a "pro" in MF investing

While you may be comfortable pouring over hundreds of reports before making a presentation in your office, you somewhat hesitate going through the factsheets or digging up the key numbers related to the funds you have invested in.

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What to do when your investments don't work

Many things in life do not go as planned. Be it a promotion that you have been eyeing for some time, your new fitness regime or a much-awaited dream vacation. You dislike when things do not work as you wish.

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