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What is XIRR in mutual funds?
XIRR (Extended Internal Rate of Return) is a financial function that computes the annualised return on a series of cash flows that occur at irregular intervals. In the context of mutual funds, it is the most accurate measure of your actual portfolio return especially for SIP investors. It finds the single annualised interest rate that, when applied to all your cash outflows (investments) and inflows (withdrawals/redemptions) on their exact dates, makes the net present value (
1 day ago6 min read
Flexi cap and multi cap mutual funds difference explained
Both Flexi Cap and Multi Cap funds invest across large, mid, and small-cap stocks. The answer lies in one crucial difference: who decides how much goes where. In one, it's the fund manager's discretion. In the other, it's a regulatory mandate. Before 2020, many so-called multi-cap funds were quietly parking 70%-80% of their corpus in large-cap stocks enjoying the safety of blue chips while marketing themselves as diversified. SEBI stepped in and mandated genuine diversificati
2 days ago4 min read
What are multi-cap mutual funds?
A multi-cap mutual fund is an open-ended equity scheme that invests across all three market capitalisation segments simultaneously: large-cap, mid-cap, and small-cap companies. SEBI mandates that at least 75% of assets are invested in equities, with a minimum of 25% allocated to each segment. This mandatory 25-25-25 split is what sets multi-cap funds apart from their cousin, the flexi-cap fund, which has no such floor requirement per segment. Before diving deeper, it's import
3 days ago4 min read
Should I stop my SIP when markets fall?
The complete, no-fluff guide to understanding what negative SIP returns actually mean, what the data says across every Indian market cycle, and the one decision that separates wealth-builders from wealth-destroyers.
3 days ago16 min read
What are Index mutual funds?
Before understanding index funds, you need to understand what a market index is. An index is simply a list of stocks, selected by a set of rules, used to represent the overall health of a stock market or a segment of it. India's two most famous indices are the Nifty 50 (managed by NSE) and the BSE Sensex (managed by BSE). The Nifty 50 contains the 50 largest publicly listed companies in India, names like HDFC Bank, Reliance Industries, Infosys, ICICI Bank, and TCS. The Sensex
5 days ago6 min read
What are ELSS mutual funds?
If you've ever found yourself scrambling in the last week of March, which is the end of financial year in India, urgently trying to figure out where to park money to save on taxes, you're not alone. Millions of taxpayers in India do exactly that every year. And somewhere in that last-minute rush, someone usually says, "Just put it in ELSS." But what exactly is ELSS, why does it come up so often in tax conversations, and is it actually a good investment or just a tax shortcut?
7 days ago6 min read
Types of debt mutual funds in India: A complete guide
If you've ever looked at a mutual fund platform and felt overwhelmed by the sheer number of debt fund categories such as liquid, overnight, ultra short, short duration, medium duration, long duration, dynamic bond, gilt, credit risk, you're not alone. Most investors either avoid debt funds entirely out of confusion, or they park everything in a single FD without realising they're missing out on potentially better returns with similar or even lower risk. This guide is your one
Mar 211 min read
Is Step-up SIP worth it?
A regular SIP (Systematic Investment Plan) lets you invest a fixed amount, say ₹5,000 (or any amount), every month into a mutual fund. Simple, automatic, disciplined. A Step-up SIP (also called a Top-up SIP) takes this a step further. You commit to increasing your SIP amount by a fixed percentage or fixed sum at regular intervals, typically every year. So, your ₹5,000 today becomes ₹6,000 next year, ₹7,200 the year after, and so on. It can be any amount. The idea is borrowed
Mar 23 min read
Sectoral and Thematic mutual funds explained
Every few years, a particular corner of the Indian economy catches fire. Sometimes it's the technology sector riding a global boom. Sometimes it's infrastructure, powered by government spending. Sometimes it's pharmaceuticals, thrust into the spotlight by a pandemic. And every time one of these waves rises, mutual fund houses are quick to launch or highlight funds that promise to capture that very opportunity. These are sectoral and thematic mutual funds, and they occupy one
Mar 28 min read
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