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Flexi cap mutual funds are an open-ended, dynamically managed category of equity mutual funds that have the freedom to invest across companies of all market capitalisations - large cap, mid cap, and small cap without any restriction on the proportion allocated to each segment. Unlike other equity fund categories that are bound by regulatory mandates to maintain a minimum percentage in a specific market cap segment, flexi cap funds give fund managers the liberty to move money

A small cap mutual fund is an equity mutual fund that is mandated to invest at least 65% of its total assets in small cap stocks, that is, companies ranked 251 st  and below in terms of market capitalisation. The remaining 35% may be invested at the fund manager's discretion in mid cap or large cap stocks, debt instruments, or cash equivalents. These are typically companies with a market capitalisation ranging from a few hundred crore rupees to around ₹5,000 - ₹7,000 crore, t

Among the many categories of equity mutual funds available in India, mid cap mutual funds occupy a uniquely exciting and often misunderstood space. They sit right in the sweet spot between the safety of large cap funds and the high-risk, high-reward nature of small cap funds, making them an attractive proposition for investors who want meaningful growth without taking on extreme levels of risk. As per SEBI's mutual fund categorisation circular, Mid Cap companies are companies

1. Who qualifies as an NRI? Before diving into investment mechanics, it is essential to understand who exactly qualifies as a Non-Resident Indian (NRI) under Indian law. The definition differs slightly between the Income Tax Act and FEMA (Foreign Exchange Management Act), and both are relevant when investing in Indian mutual funds. 1.1 Definition under FEMA (relevant for investments) Under FEMA, which governs foreign exchange and cross-border investments, a person is classifi

Mutual funds are one of the most well-regulated, transparent, and investor-friendly financial products available to Indians today. They are not risk-free. No investment ever is but "risky" and "unsafe" are two very different things. A mutual fund is risky in the sense that your returns are not guaranteed. It is safe in the sense that your money is protected by a robust legal framework, held in trust by regulated entities, and overseen by one of the most active financial regul

In India, mutual fund categories are not loosely defined marketing labels. They are precisely regulated by the Securities and Exchange Board of India (SEBI). In its landmark October 2017 circular on the categorisation and rationalisation of mutual fund schemes, SEBI drew a clear line that large cap companies are the top 100 companies listed on Indian stock exchanges, ranked by full market capitalisation. A large cap mutual fund, by regulation, must invest a minimum of 80% of

The familiar and reliable fixed deposit has been the cornerstone of Indian household savings for generations.  But over the last decade or so, a quiet revolution has been taking place. Debt mutual funds have entered the conversation, and they are asking some pointed questions about whether your FD is really working as hard for you as you think it is. In the case of fixed deposit, you walk into a bank, hand over a sum of money, agree on a tenure and a rate of interest, and at

If you've recently started your investing journey, you've probably come across two terms that get thrown around a lot, active funds and passive funds. If you're putting your hard-earned money to work, it's worth taking a few minutes to understand what these terms mean, and why the choice between them could significantly shape your financial future. A mutual fund pools money from thousands of investors and uses it to buy a basket of stocks, bonds, or other securities. What dis

Whether you're just starting your investment journey or looking to diversify your portfolio, one of the most fundamental decisions you'll face is choosing between mutual funds and individual stocks. Both are powerful wealth-building tools, but they serve different investor profiles, goals, and risk tolerances. This article breaks down the key differences, advantages, and considerations to help you make an informed choice. A stock represents a fractional ownership stake in a p