Groww Q&A

Read expert's answers and recommendations on the most common questions about Mutual Funds.

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What are balanced funds?

What are balanced/hybrid funds? What are the types? Should i invest in balanced funds?

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What is dividend distribution tax?

Do i have to pay dividend distribution tax (DDT)? What is the rate of taxation?

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What are sector funds?

How is sector fund different from other equity funds? What are its types? Should i invest in sector funds?

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What are monthly income plans?

Are monthly income plans (MIP) and debt oriented hybrid plan the same thing?

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What is a mutual fund?

How does a mutual fund work and how can investors make money using mutual funds?

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What are NFO or New Fund Offer?

What exactly is an NFO and should I invest in NFO?

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Should I invest in large cap funds?

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What is a close ended fund?

How is close-ended fund different from an open-ended fund?

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How can I save tax through Mutual Funds?

What are various ways I can save tax with mutual funds? Are returns on mutual funds tax-free? Also, what are elss funds?

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What is the difference between debt funds and fixed deposit?

I have been investing in FD but I want to start investing in debt funds. Should I invest in debt fund or FD? Is debt fund risky?

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How much returns can i get in mutual funds?

How much is the return of mutual funds in India? I want to invest to get the highest return with the least risk possible.

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Markets are high, is it safe to invest in mutual funds?

Markets are high and many are saying there is a major correction going to happen. Is it safe to invest in mutual funds in this stage or should i wait till the markets fall and the NAV of mutual funds are lower than today?

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What are the best funds for SIP?

I want to start SIP in mutual funds every month for maximum return and least risk. Which funds are best to start SIP in 2017?

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What is a fund of funds (FOF)?

Are fund of funds (FOF) good investments? Should i invest in fund of funds?

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What are gilt funds?

Suggest the best gilt funds to invest for one year. How much can I expect to get from gilt funds? Are there better option than gilt fund?

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What is a liquid funds?

How is liquid fund better than other funds? Should i invest in liquid funds for 1 year?

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What are gold ETF?

Is gold ETF a good way to invest in gold?

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What is large cap fund?

How is large cap fund for investment? Is it risky?

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What is equity mutual fund?

What is equity mutual fund and how is it different from other funds?

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What is small cap fund?

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What are arbitrage funds?

Are arbitrage funds better investment?

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What are the best debt funds to invest for 6 months?

I want to invest for just 6 months. What are the best debt funds to invest in?

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What is ETF?

Should i invest in ETF (Exchange Traded Funds)?

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What is mid cap fund?

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What are index funds?

How is index fund different from mutual funds?

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Do any funds invest in both stocks and bonds?

I invest in both debt funds and equity funds. Are there any funds that invest in both equity and debt instruments?

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Should i invest in balanced fund?

Is it a good idea to invest in balanced funds? What returns can i expect?

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What is STP (Systematic Transfer Plan)? When should I use STP?

Is STP a type of investment? How is it different from SIP?

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What is the difference between small cap, large cap and mid cap?

I see many companies being called small-cap, mid-cap, or large-cap. What does it mean for the company?

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How are debt funds taxed?

Debt fund gains attract tax? What is the rate of taxation for debt funds?

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Is L&T Infrastructure Fund good?

Should I invest in L&T infrastructure fund? Is it a good fund?

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What is the difference between gold ETF and physical gold?

Is gold ETF (exchange traded fund) better or physical gold better?

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What is the difference between ETF and mutual funds?

Are ETF (Exchange Traded Fund) and mutual funds the same thing? Which is better?

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Should i invest in ETF?

Is ETF (Exchange Traded Fund) a good investment?

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Arbitrage funds vs liquid funds?

Which is better arbitrage fund or liquid fund?

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What are equity oriented balanced funds?

Is the equity oriented hybrid fund the same thing? What is the advantage of equity oriented balanced funds?

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What are the types of equity funds?

How many types are there and what are the risk-returns of different types of equity funds?

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What is the difference between Index funds and ETFs?

Which of these are better? Should one buy index funds or ETFs instead of actively managed mutual funds?

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When did mutual fund start?

What is the history of mutual funds? When did they start?

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What are the types of mutual funds?

How many types of mutual funds are there and which is best for an investor?

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What is a mutual fund folio number? How to get a folio number?

I am interested to know what is mutual fund folio number? Is it necessary to invest in mutual funds?

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What happens if I miss a Mutual Fund SIP instalment?

I having two auto SIPs, and money for both gets deducted automatically from bank on due dates. I want to know what will happen if I miss the instalment due to the lack of funds? Is there anything I can do about it because I think I won't be able to pay SIP instalment for coming 2-3 months.

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What happens to the SIP instalment if the bank is closed on the SIP due date?

I want to know how my SIP instalment will be processed if the SIP due date falls on Saturday or Sunday or any other public holiday when either the market or the bank is closed.

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Can I withdraw a part of my investment in SIP?

I have been investing in SIP for the last 4 years. Now I want to withdraw around 50% of the money that is invested. Is it possible?

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Should I invest in mid cap funds?

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What is debt mutual fund?

What is debt fund or debt mutual fund?

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When is the best time to buy mutual funds?

Stock markets are very high, is it the right time to invest in mutual funds?

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Should I invest in stocks or mutual funds?

Which one should I invest in? Stocks or mutual funds?

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Direct Vs Regular Mutual Funds?

I am a beginner in Mutual Funds. I want to know what is direct mutual funds and how are they different from Regular mutual funds. Which one should I go for?

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What's the good time to invest in Mutual Funds ?

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I am planning to do SIP of 2K in Mirae Bluechip Fund. Any suggestions?

Are there any risks in this fund? Any better option?

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Lumpsum Investment in Large Cap or Multi Cap Funds

I am looking to invest a lumpsum amount in mutual funds. I have already good exposure to debt funds (more than 50%), the remaining amount I want to invest in equities. Should I invest in Large-cap funds or Multi-cap funds?

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How can I add nominations to my investments?

Also is it important to add nomination?

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What are good mutual funds for senior citizens?

My father is a senior citizen and he is looking to invest his savings into mutual funds. Right now, all his savings are in fixed deposits. Where should he invest?

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Are debt funds safe?

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Which is the best tax savings ELSS fund for SIP?

I'm planning to invest through SIP in DSP BlackRock and Reliance taxsaver fund. Can anyone let me know if this is a good choice to start with ?

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When do mutual funds update the NAV?

Is NAV like stock price of the funds? When are they updated?

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What are tax benefits of the mutual funds?

Are investments into mutual funds tax-free? What are tax advantages?

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What are various types of debt funds?

Debt mutual fund types and their risk and returns?

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Should I continue investing in ICICI Value Discovery or change?

I have been investing in ICICI Value Discovery fund. Should I change the mutual fund or continue investing in the same fund?

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What are Tax Free Bonds?

Can tax-free bonds be liquidated early if required? How can I buy them?

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Are debt funds better than FDs (fixed deposits)?

I am hearing lot of people saying to invest in debt funds instead of fixed deposits. Can someone explain why debt funds are better than fixed deposits?

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What is ELSS?

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Do all mutual funds provide tax benefit under section 80c?

I want to save tax under section 80c. Does investing in mutual fund provide the tax benefit?

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Do I have to pay income tax on the matured amount after the maturity of any mutual fund?

Can someone help if any tax need to be paid on maturity amount of mutual fund?

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If I invest through SIP for one year, can I withdraw all my amount if I want to take benefit of long term capital gain?

Since long term capital gain tax on equity funds is nil, will this be applicable for SIP?

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What is difference between Lumpsum investment and SIP?

What are things I should consider to decide? Which is better?

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What is the minimum amount need to invest in Mutual Funds?

I just started working and want to start investing in mutual funds. What is the minimum amount I can start investing with?

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How is mutual funds capital gain tax calculated?

How much tax do I need to pay as the capital gain tax for mutual funds?

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Which are the best Mutual Funds? I don't want to take too much risk. I also want regular income from my investments.

I am retiring in 3 months. I have around 60 lac in bank and FDs. Since the interest rates are very low these days I am suggested by my son to invest in Mutual Funds.

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Does mutual fund company charge anything when I sell my investments in mutual funds?

Heard that there are exit load associated with mutual funds. What does it mean?

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I am a housewife. Please suggest me the best plan for mutual fund investment.

I can pay Rs 10,000 annually. Do not want too much risk

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Can we stop SIP if the SIP is not performing good?

I started SIP last year but it is not performing well. Can I stop and start another one?

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Close-ended vs open-ended which is better?

What are the advantages and disadvantages of investing in open-ended and close-ended mutual funds?

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What is the best mutual fund for a beginner?

Test

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When should one change the mutual fund portfolio?

I have been investing in mutual funds since the last 3 years. When should one change the funds one is investing in? The performance of funds keep changing every year, should we keep reshuffling?

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What is the correlation between debt fund performance and interest rates?

Is there any correlation. People say that you should buy debt funds when interest rates are falling. Any reason for that?

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How do debt funds work?

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Example for tax calculation in debt mutual funds

I am looking to move my FDs to debt mutual funds. My advisor is saying that they provide better returns and are more tax efficient. Can someone give me example how tax is calculated on debt mutual funds?

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What funds should I invest to get the maximum returns at the minimum risk?

I am a beginner and want to know the best funds to invest to get the best returns. But dont want to take too much risk.

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Is it better to buy NFOs or existing fund?

NFOs are available at NAV of 10 while existing funds have high NAV. Should I buy NFOs then?

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What are mutual funds without lock-in period?

I want to invest in funds without any lock-in so that I can withdraw them anytime. What are these funds?

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Should I invest in equity mutual funds?

Is equity mutual fund very risky? Should I invest in equity fund?

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how do I start investing

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What is the best way to invest Rs 5 Lakh in India?

I have Rs 5 Lakh to invest lumpsum amount. Can some expert suggest me where can I invest?

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Is there any mutual fund with zero risk?

I do not want to take any risk while investing. Is there any mutual fund that does not carry risk?

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I purchased a mutual fund today on Groww. What will be the NAV for my investment?

The dashboard says that units will be allocated on Thursday. Will the NAV be of today's date of the date of allocation (as shown on the dashboard)?

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What are disadvantages of mutual funds in india?

There are lots of ads being shown with "mutual fund sahi hai" and all benefits they offer. But are there any disadvantages of mutual funds?

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Can I cancel SIP in Tax Saving ELSS Funds anytime?

ELSS funds have lock-in of 3 years. Can I cancel the SIP in ELSS funds?

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Is it good to put money in NPS (National Pension Scheme)?

Any suggestion on NPS? Which is better - NPS or mutual funds?

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How can I add more money to my SIPs manually?

I am running an SIP on Groww. How can I add more money to it manually?

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Can NRIs invest in mutual funds in India?

What mutual funds can NRI invest in? What is the process of investing?

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What is the NAV applicable when I buy mutual funds today?

Is it yesterday's NAV or today's or tomorrow's?

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How is SBI bluechip fund? Is it safe?

I am investing Rupees 2000 per month in SBI Bluechip. Is it a right decision?

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Missed SIP because of insufficient funds. What shall I do?

My SIP Date was today i.e 25 of every month. But my account went below the required balance so only 1 SIP got cleared and other was rejected is there any other way that I can pay the amount for that SIP

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how can I buy gold funds

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How can I buy dividend mutual funds on Groww?

I want to buy the best dividend funds. Are they available on Groww?

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Can i pay mutual fund SIP through credit card?

When I make payment through Groww, I do not see credit card option. How can I do payment with the credit card?

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How much time does take to get money back when I redeem from Mutual Funds?

When I sell my mutual funds, how much time does it take to get my money back?

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What is the minimum duration I should invest for if I am investing in Equity funds?

Is it too risky to invest for 1 year if I am investing in equity funds?

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Can I invest in ELSS mutual funds even if I do not need tax benefits?

I have completed by the 80C limit of 1.5 lac with PF and Insurance premium. Can I still invest in ELSS mutual funds?

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I had invested in ELSS 3 years ago and my lock-in period is over. Should I redeem?

I had invested 1.5 lac in Axis long term equity fund in 2014. The lock-in period is over now. Should I redeem or continue to keep invested?

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Why does Groww ask me for my bank account details?

I understand you need PAN card for investing in mutual funds. But why do you need my bank account number?

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I am planning to invest in L&T Infrastructure fund growth. Can someone suggest?

Is it right decision to invest in this fund?

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Where I can learn more about mutual funds and its various terminologies?

I want to start investing and want to learn about mutual funds.

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Is SIP supported in Dividend schemes of mutual funds?

It might be a very silly question, but is SIP supported in dividend scheme. I tried to do SIP for MOSL focused 35 fund but it says SIP not supported.

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What is the penalty for withdrawing from ELSS before 3 years?

I am investing in ELSS for tax benefits. It says there is a lock-in of 3 years. If I have an emergency and need to withdraw money, what will be the penalty?

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How to calculate return on mutual fund SIP?

Can someone please explain how are returns calculated on the mutual fund SIPs?

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What are the best tax saving mutual funds for 2017?

I am looking to invest in elss funds - SIP of Rs 10K per month. Please suggest.

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Are there any mutual funds compliant with Sharia law?

I found this fund that says it is "ethical". What does that mean? Are there any other such funds?

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Why is SBI Small and Midcap Fund not available on Groww?

The page is showing "Not Available" instead of invest now button

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What are various types of Debt Funds?

I am hearing a lot about debt funds? Are they good considering the market situation? What are different types of debt funds?

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Where can I invest to get monthly income?

I want to get monthly income from my investments. Can someone please suggest what are the options I have?

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I need to invest Rs 1 Crore. Where should I invest?

I just sold my apartment and I need to invest my cash. What is the best way to invest considering tax and current market situation?

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Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing.
Past performance is not indicative of future returns. Please consider your specific investment requirements, risk tolerance, investment goal, time frame, risk and reward balance and the cost associated with the investment before choosing a fund, or designing a portfolio that suits your needs.
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