Mutual Funds for Everyone

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Mutual Funds

Mutual funds offer a smart and efficient way to invest by combining professional fund management with the power of diversification. By pooling money from multiple investors, they provide access to a wide range of assets including equities, debt instruments, and other securities. This diversification helps reduce unsystematic risk while improving the potential for stable returns over time. Additionally, mutual funds are cost-effective, offering lower transaction costs compared to direct investing.

They also provide high liquidity, allowing investors to enter and exit with ease based on their financial needs. With options like SIPs (Systematic Investment Plans), investors can build disciplined investing habits and benefit from rupee cost averaging. Mutual funds cater to different financial goals, whether it’s wealth creation, regular income, or capital preservation. Moreover, certain schemes offer tax benefits, making them an attractive choice for long-term financial planning.

Why Invest in Mutual Funds?

Why Choose Us

Physical & Digital, Experience the advantage of both worlds

When it comes to creating wealth, you need a service provider to partner with you for all your financial needs. At TR Capital, we are associated with Motilal Oswal Financial Services Limited, ranked as the ‘Best Performing National Financial Advisor-Equity Broker’ at the CNBC TV18 Financial Advisor Awards for six years. We provide the best in class technology to our clients for Mutual Fund investment across all platforms, i.e. desktop, tablet, and mobile.

Our monthly research reports highlight Mutual Fund recommendations to help you select the right Mutual Fund for your needs across 50 Asset Management Companies (AMCs). Managing your Mutual Fund investments is easier as you get units in your DMAT account. You can also leverage your Mutual Fund units for trading in equity, commodity and currencies.

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Types of Funds

Equity Mutual funds allow investors to take equity exposure with professional fund management, risk mitigation through diversification, small ticket size and tax efficiency.

Type of Equity Funds by Market Capitalization

Large Cap

Invests in Top 100 stocks

Mid Cap

Invests in next 150 stocks

Large & Mid-Cap

Invests in top 250 stocks

Small-Cap

Invests outside Top 250 stocks

Flexi Cap

Invests across all market caps

Multi Cap

Min 25% each across large, mid, small

Type of Equity Funds by Investment style

Value/Contra Funds

Undervalued stocks, contrarian market approach

Growth Oriented Funds

High earnings growth potential companies

Focused Funds

Concentrated portfolio, max 30 stocks

Sectoral/Thematic Funds

Invest in specific sector or theme

Dividend Yield Funds

Focus on consistent, high dividend payers

Arbitrage Funds

Price-difference strategy, low-risk hybrid category

Debt funds aim to generate returns for investors by investing their money in bonds and other fixed-income securities. These funds earn interest income. They are tax-efficient as they provide capital gains with indexation benefit.

Overnight / Liquid

Invest in 1-day maturity instruments

Liquid Funds

Up to 91-day maturity, high liquidity

Ultra Short Duration Funds

3-6 months maturity, low risk

Low Duration Funds

6-12 months maturity, slightly higher return

Money Market Funds

Up to 1-year money market instruments

Short Duration Funds

1-3 years maturity, moderate risk-return

Medium Duration Funds

3-4 years maturity, moderate interest risk

Medium to Long Duration Funds

4-7 years maturity, higher volatility

Long Duration Funds

7+ years maturity, high interest risk

Dynamic Bond Funds

Flexible duration, manager adjusts per rates

Corporate Bond Funds

Min 80% in high-rated corporate bonds

Credit Risk Funds

Min 65% in lower-rated, higher-yield bonds

Banking and PSU Fund

Min 80% in banking, PSU debt

Gilt Funds

Min 80% in government securities only

Gilt Fund with 10 Year Constant Duration

Fixed 10-year government securities duration

Floater Funds

Min 65% in floating-rate debt instruments

These funds invest in a combination of equity and debt assets, thus have the potential of generating good returns with lower volatility.

Equity Savings Fund

Invest 65-100% in equity assets and 0 to 35% in debt assets

Balanced Advantage Funds

Generate returns by investing in equity, debt and arbitrage opportunities.

Dynamic Asset Allocation

Dynamically shift allocation from 100% debt to 100% equity

Multi-Asset

These funds invest across equity, debt, gold and international equity

Aggressive Hybrid Funds

65-80% equity, 20-35% debt

Conservative Hybrid Funds

Invest only 10-25% in equity and the remaining 75-90% in debt instruments

Type of Tax Saving Mutual Funds

ELSS (Equity Linked Saving Scheme)

These are specified equity mutual funds where investment is eligible for deduction from income u/s 80C of Income Tax Act up to ₹ 1,50,000 in a year. These scheme have a lock-in period of 3 years.

Retirement Benefit Plans

These Scheme allow investors to choose from conservative, moderate and aggressive themes, as per their risk profile. These schemes have a lock-in period of 5 years.

Advantages of ELSS

Shortest lock-in

ELSS has smallest lock-in period of 3 years compared to other Tax-saving instruments

Higher returns

ELSS has the potential of generating significant wealth in a medium to long-term

Post-tax returns

Lower tax rates on long-term capital gain ensure better post-tax returns

Convenient SIP

You can start with monthly SIP for investing in ELSS

Invest in international funds to diversify your portfolio and reduce country-specific risk.

Index Funds

Passively managed funds, closely tracking major international index like S&P500, Nasdaq 100 etc.

Specific Funds

These funds invest in the markets of a specific region or a country like the USA, Europe, Asia, China, Japan, Brasil etc.

Global Funds

These are not a country or region-specific funds. Instead, these funds invest globally.

Advanages of investing in International Funds?

Geographical Diversification

International funds help you leverage the opportunities to invest with the diversification of funds on a global scale.

Global Market Leaders

By investing in international funds, you can invest in some of the world's biggest businesses like Facebook, Google, Apple etc.

Currency Hedge

As these funds invest in foreign currency, they also hedge your portfolio against currency depreciation. Any depreciation in the home currency will increase the returns of these funds.

WAYS OF INVESTING IN MUTUAL FUNDS

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SIP

STP

Start an SIP

Start with a Monthly SIP as low as just ₹500/Month

Compounding

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Convenience

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Cost Averaging

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Tax Benefits

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Want to know how much you need to invest?

TR Capital SIP Calculator

SIP Calculator

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Frequently Asked Questions

TR Capital offers a comprehensive range of investment services designed to help clients grow and protect their wealth. Our offerings include equity trading, mutual funds, portfolio management, financial planning, and advisory services. Each service is tailored to meet the individual financial goals of our clients, ensuring personalized strategies that balance growth potential with risk management.

Getting started with TR Capital is straightforward. You can reach out to us through our website, call our advisors, or visit our office directly. Our experienced team will guide you through the account setup process, help you understand the various investment options available, and design a strategy that aligns with your financial objectives, risk appetite, and long-term goals. We make sure that every client receives clear guidance and support at every step of their investment journey.

Yes, TR Capital has been associated with Motilal Oswal, one of India’s most reputable financial institutions, and has been serving investors since 1995. This partnership ensures that our clients benefit from trusted market insights, robust investment tools, and reliable advisory support. Our long-standing track record reflects our commitment to professionalism, transparency, and helping clients make informed financial decisions with confidence.

Mutual Funds FAQs

Your Questions, Answered
What are mutual funds?

Mutual funds pool money from multiple investors and invest it in stocks, bonds, or other assets, managed by professional fund managers.

You can invest through SIP (Systematic Investment Plan) or lump sum via a registered advisor or investment platform.

SIP allows you to invest a fixed amount regularly (monthly/quarterly), helping in disciplined investing and wealth creation over time.

Mutual funds are subject to market risks, but diversification and professional management help in reducing overall risk.

You can start investing in mutual funds with as little as ₹500 per month through SIP.