Independent Research on Mutual Funds, Stocks & IPOs for Indian Investors

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

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

Ask most first-time investors what they look for in a mutual fund, and they will tell you: 'I want the highest returns.' It is an understandable impulse. But seasoned investors, those who have survived the 2008 global financial crisis, the 2013 rupee crisis, the 2020 COVID crash, and several domestic corrections, know a deeper truth. That the fund that earns the highest return on paper is worthless if you panic and redeem it at a 30% loss during a market downturn. This is why

If you've been investing in mutual funds through a bank, financial advisor, or online broker, there's a good chance you're in a Regular Plan and unknowingly paying a commission that's silently eating into your returns every single year. Direct mutual fund plans, introduced by SEBI in 2013, allow investors to buy funds directly from the Asset Management Company (AMC), eliminating distributor commissions entirely. The result is lower expense ratio, higher NAV, and significantly