A portfolio with a stated purpose.
Exposure depends on the scheme’s holdings and mandate. Understand the assets and concentration before you invest.
One goal at a time. Explore SIP and lump-sum investing with Gaurik Financial Services, and understand your options before taking the next step.
Illustration only. Not a return forecast.
A mutual fund brings money from many investors into a portfolio of assets such as shares, bonds or money-market instruments. Professional fund managers manage the portfolio in line with the scheme’s stated objective.
Your investment is represented by units. Their value reflects the scheme’s NAV, which can rise or fall.
Learn more: AMFI’s introduction to mutual funds ↗
Exposure depends on the scheme’s holdings and mandate. Understand the assets and concentration before you invest.
Bring your goal, time horizon and comfort with investment risk into the conversation.
Look at the scheme documents, current risks, expenses and withdrawal conditions. Ask questions before committing.
SIP and lump sum describe how you invest. They do not change the underlying scheme’s market exposure.
A SIP lets you invest an amount at regular intervals into a chosen mutual fund scheme. It can help turn investing into a repeatable habit.
Invest an available amount in one transaction rather than spreading contributions over a schedule. The full amount takes the scheme’s exposure from the investment date.
Neither route guarantees a profit. Minimum amounts and transaction terms vary by scheme. Read AMFI’s SIP guide ↗
Categories are a starting point for understanding what a fund holds. Suitability depends on the specific scheme and your circumstances.
Help me understand the optionsInvest mainly in shares. Their value is exposed to stock-market movements and the companies held in the portfolio.
Understand volatility and concentration.Invest in debt and money-market instruments. Interest-rate changes, credit quality and liquidity can affect value.
Different from a fixed deposit.Combine asset classes, commonly equity and debt. Allocation and risk vary with the scheme’s mandate.
A mix does not remove market risk.What about index funds? These use a passive approach to track a stated index. Understand the index, expenses and tracking differences before choosing. The underlying index determines the exposure.
Further reading: AMFI’s fund types and investment approaches ↗
Switch between SIP and lump sum. Adjust the amount, duration and assumed return to see a mathematical illustration.
Illustration only. Not an investment quote.
SIP illustration: contributions at the beginning of each month; annual nominal return divided by 12.
Before tax and applicable exit load
The selected return is an assumption, not a recommended or promised rate. This model uses a constant return and does not show market volatility. SIP uses monthly compounding of a nominal annual rate; lump sum uses annual compounding. Values may be higher or lower in practice, including losses. The model does not separately deduct scheme expenses, fees, tax or exit loads. It is not a substitute for reviewing a scheme’s documents.
Gaurik can help you understand the process and the questions to ask before you begin.
Tell us what you are working towards, your time frame and the amount you are considering. Bring questions about risk and access to your money.
Review the scheme information, investment route and applicable costs. Confirm the plan type and how any intermediary is compensated.
Check KYC status and the chosen provider’s requirements. Proceed through the appropriate investment channel only after you understand the terms.
KYC is required for mutual fund investing. Ask about identity and address information, bank details, nomination and investor declarations required for your case. Documents are not collected through this page.
Current process information: AMFI’s KYC resources ↗
A return number is only part of the picture. Use the scheme documents and current disclosures to understand what you are choosing.
Values can fall. Review the current Riskometer, portfolio exposure and risks described in the scheme documents.
Scheme expenses affect NAV. Compare the applicable expense disclosures for the particular plan and scheme.
Check lock-ins, redemption rules and any exit load. Access to money varies across scheme structures.
Direct and Regular plans differ in expenses. Ask which plan you are considering and understand any distribution compensation.
AMFI resources: Investment risks · Expenses · Direct and Regular plans
A few answers to help you get started. For questions about your own situation, speak with us directly.
+91 90045 12954A mutual fund pools money from investors into a portfolio managed according to the scheme’s objective. You hold units, and the value of your investment changes with the scheme’s net asset value (NAV).
A SIP is a way to invest regularly in a mutual fund scheme. It describes the payment schedule, not a separate asset class. The underlying scheme determines the investment exposure and risks.
Minimum investment amounts vary by scheme and transaction type. Ask for the chosen scheme’s current minimum for a SIP or a one-time investment. The calculator’s limits are for illustration and do not confirm a scheme’s eligibility.
No. Investment values can fall as well as rise, and you may lose capital. A SIP does not remove market risk. Neither the calculator nor past scheme performance promises future returns.
Redemption depends on the scheme’s structure, transaction rules and any lock-in. Open-ended schemes generally allow redemption on business days, while other structures differ. Check applicable exit loads and tax treatment before withdrawing.
They are plans of the same scheme with a common portfolio but different expenses and NAVs. Direct plans exclude distributor commissions and generally have lower expenses. Ask which plan is being offered and how the intermediary is compensated.
KYC is required for mutual fund investing. The exact process depends on your status and the chosen route. Identity and address information, bank-related details and other investor declarations may be required. Confirm the current checklist before applying.
Contact Gaurik Financial Services to discuss mutual fund options, the investment process and your questions. Call +91 90045 12954 or use the WhatsApp enquiry below. No investment is placed through this webpage.
Speak with Gaurik about mutual funds, SIPs and the investment process. Let’s start with what you want to understand.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance does not assure future results. Capital is at risk.
This page provides general product information and mathematical illustrations. It does not recommend any particular scheme or provide a personalised investment recommendation. Product availability, requirements and terms depend on the selected provider and scheme.