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Best Groww Equity Mutual Funds

With a customer base of more than 9,20,000, Indiabulls Mutual funds are registered with SEBI and proffer a wide range of financial services across the country. This Asset Management Company entered the mutual fund market in 2011. They have managed assets of approximately Rs.663 crore till 31st March 2021. 

Indiabulls Mutual Funds set up as a Trust under the sponsorship of Indiabulls Housing Finance Limited and Indiabulls Trustee Company Ltd as their Trustee. Indiabulls MF proposes more than 11 mutual funds under different categories, including best Indiabulls equity mutual funds. This fund house has more than 6 categories under equity mutual funds. 

Equity mutual funds are well diversified to meet the investors with different financial needs and goals. The risk-reward apparatus of top Indiabulls equity mutual funds attract investors with varying financial requirements. With calculated risk, investors can expect a rewarding return on investment. 

Depending on the category, equity mutual funds invest in multiple stocks of different companies from all market capitalisations and yield higher returns than debt or hybrid MFs. The equity component works towards capital appreciation. As a result, individuals often invest for higher returns despite its risk. 

Besides understanding the investment and return equation and its different categories in the best Indiabulls equity mutual funds 2021, having an idea about the tax regime of equity mutual funds is also crucial. 

Taxability

Here’s how equity mutual funds are taxed.  

Long-term Capital Gains Tax: Investors are entitled to pay Long-term Capital Gains Tax or LTCGT on selling equity mutual funds after remaining invested more than 1 year. The capital gain of up to Rs. 1 lakh is tax-exempt in a year. However, a 10% LTCGT plus cess and surcharge is levied on long-term capital gains exceeding Rs. 1 lakh.  

Short-term Capital Gains Tax: STCGT or Short-term Capital Gain Tax applies if you earn by selling your mutual funds within a year of investing. You need to pay an STCGT of 15% + cess+ surcharge on the capital gains earned on equity funds held for less than a year.

TDS: Dividend income exceeding Rs.5,000 in a financial year attracts TDS at the rate of 10%. 

Factors to Consider Before Investing

Besides taxability, the following are some of the crucial parameters that help choose the best Indiabulls equity funds.

Investment objective: An individual’s investment objective primarily depends on various factors like the preferred period of investment, type of mutual funds, etc. Considering them, investors can choose the best Indiabulls equity mutual fund that meets a thought-out investment goal. 

Risk appetite: Mutual funds are exposed to market risk. Thus, analysing the risk factor before investing is imperative, regardless of fund types. For instance, equity mutual funds are susceptible to market risk but partly immune from inflation risk. Moreover, the financial behaviour of investors also plays a crucial role in mutual funds risk management. Usually, an aggressive investor is more risk-tolerant than a moderate investor. 

Past performance of the fund: The performance of an equity fund is not constant, and the return on investments fluctuates due to various conditions. However, a review of the past performance provides an insight into how it had worked in the past under various market conditions. Hence, assessing past performance is a crucial step before choosing the best Indiabulls equity mutual funds. 

Holding analysis: Equity mutual funds allocate their assets across different small and large-cap companies for better risk management. A portfolio analysis allows you to know the asset allocations and prospective growth of your investment. Equity mutual funds carry moderate to high-risk quotient depending on their asset allocation. So, to choose the best Indiabulls equity mutual funds, holding analysis is necessary. 

Experience of the fund manager: An experienced fund manager helps sail through the bull and bear phases and promises the highest possible returns. This is why checking a fund manager’s experience constitutes a vital parameter of choosing a suitable mutual fund. 

Expense ratio: It refers to an aggregate expense that AMC levies on generated return on an equity mutual fund. Checking this ratio is essential before investing in any mutual fund. In this matter, you should also choose carefully between regular plans and direct plans. Incidentally, the expense ratio is less on direct plans, so it generates better returns. This is because one can obtain a direct plan from fund houses without any third-party involvement, which is not possible in the case of regular plans where third-party is crucial.

Exit load: It is a charge AMCs levy on investors when they decide to exit or redeem a unit from mutual funds. Generally, this charge is levied on liquidating mutual funds within the lock-in period, which is usually 1 year. Depending on the fund chosen, AMCs decide the percentage of exit load. However, in some cases, AMCs may not levy any exit charges. In any case, checking exit load is a crucial parameter that investors should consider. 

After considering the above-mentioned factors, you can settle for the best Indiabulls equity mutual funds that meet your investment goal and objective. 

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List of Groww Equity Mutual Funds in India

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
Groww Liquid Direct Fund
DebtModerate7.0%--₹175
Groww Short Duration Fund
DebtModerate6.9%--₹37
Groww Large Cap Fund
EquityVery High34.9%--₹114
Groww ELSS Tax Saver Fund
EquityVery High39.0%--₹43
Groww Value Fund
EquityVery High43.6%--₹15
Groww Aggressive Hybrid Fund
HybridVery High28.2%--₹39
Groww Overnight Fund
DebtLow6.5%--₹74
Groww Banking & Financial Services Fund
EquityVery HighNA--NA
Groww Nifty Total Market Index Fund
OtherVery HighNA--₹90
Groww Dynamic Bond Fund
DebtModerate6.8%--₹37
View All

Let's have a closer look

Now let us jump and check about these top 10 mutual fund schemes.

Groww Liquid Direct Fund Growth

Fund Performance: The Groww Liquid Direct Fund has given 5.08% annualized returns in the past three years and 5.07% in the last 5 years. The Groww Liquid Direct Fund comes under the Debt category of Groww Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Groww Liquid Direct Fund via lump sum is ₹100 and via SIP is ₹100.

Min Investment Amt₹100
AUM₹175Cr
1Y Returns7.0%

Groww Short Duration Fund Direct Growth

Fund Performance: The Groww Short Duration Fund has given 5.06% annualized returns in the past three years and 5.51% in the last 5 years. The Groww Short Duration Fund comes under the Debt category of Groww Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Groww Short Duration Fund via lump sum is ₹100 and via SIP is ₹100.

Min Investment Amt₹100
AUM₹37Cr
1Y Returns6.9%

Groww Large Cap Fund Direct Fund Growth

Fund Performance: The Groww Large Cap Fund has given 16.9% annualized returns in the past three years and 15.91% in the last 5 years. The Groww Large Cap Fund comes under the Equity category of Groww Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Groww Large Cap Fund via lump sum is ₹100 and via SIP is ₹100.

Min Investment Amt₹100
AUM₹114Cr
1Y Returns34.9%

Groww ELSS Tax Saver Fund Direct Growth

Fund Performance: The Groww ELSS Tax Saver Fund has given 18.42% annualized returns in the past three years and 17.15% in the last 5 years. The Groww ELSS Tax Saver Fund comes under the Equity category of Groww Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Groww ELSS Tax Saver Fund via lump sum is ₹500 and via SIP is ₹1,000.

Min Investment Amt₹500
AUM₹43Cr
1Y Returns39.0%

Groww Value Fund Direct Growth

Fund Performance: The Groww Value Fund has given 20.84% annualized returns in the past three years and 18.56% in the last 5 years. The Groww Value Fund comes under the Equity category of Groww Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Groww Value Fund via lump sum is ₹10 and via SIP is ₹10.

Min Investment Amt₹10
AUM₹15Cr
1Y Returns43.6%

Groww Aggressive Hybrid Fund Direct Growth

Fund Performance: The Groww Aggressive Hybrid Fund has given 15.52% annualized returns in the past three years and 15.49% in the last 5 years. The Groww Aggressive Hybrid Fund comes under the Hybrid category of Groww Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Groww Aggressive Hybrid Fund via lump sum is ₹100 and via SIP is ₹100.

Min Investment Amt₹100
AUM₹39Cr
1Y Returns28.2%

Groww Overnight Fund Direct Growth

Fund Performance: The Groww Overnight Fund comes under the Debt category of Groww Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Groww Overnight Fund via lump sum is ₹100 and via SIP is ₹100.

Min Investment Amt₹100
AUM₹74Cr
1Y Returns6.5%

Groww Banking & Financial Services Fund Direct Growth

Fund Performance: The Groww Banking & Financial Services Fund comes under the Equity category of Groww Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Groww Banking & Financial Services Fund via lump sum is ₹500 and via SIP is ₹100.

Min Investment Amt₹500
AUMNACr
1Y ReturnsNA

Groww Nifty Total Market Index Fund Direct Growth

Fund Performance: The Groww Nifty Total Market Index Fund comes under the Other category of Groww Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Groww Nifty Total Market Index Fund via lump sum is ₹10 and via SIP is ₹10.

Min Investment Amt₹10
AUM₹90Cr
1Y ReturnsNA

Groww Dynamic Bond Fund Direct Growth

Fund Performance: The Groww Dynamic Bond Fund has given 5.17% annualized returns in the past three years and 6.34% in the last 5 years. The Groww Dynamic Bond Fund comes under the Debt category of Groww Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in Groww Dynamic Bond Fund via lump sum is ₹100 and via SIP is ₹1,000.

Min Investment Amt₹100
AUM₹37Cr
1Y Returns6.8%

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