Mutual Funds

Mutual Funds are ideal for Short term parking of funds, Saving money for a future goal or Long term wealth creation through various kind of schemes.

Mutual Fund Hero image
Why Mutual funds

Why Mutual Funds?

Mutual funds give you the advantage of professional management, lower transaction costs, diversification, liquidity, disciplined investing and tax benefits. For every investment objective, investors can choose from various schemes that align with their objective. Mutual Funds help investors diversify their portfolio while minimizing unsystematic risk.

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 44 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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India Mutual Fund industry's Average Asset Under Management (AAUM)
stood at ₹ 38.45 Lakh Crore (INR 38.45 Trillion)
as on November 30, 2021
Source: amfiindia.com

Types of Funds

Equity Funds

Debt Funds

Hybrid Funds

Tax Saving Funds

International

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

Type of Equity Funds by Investment style

Index Funds / ETF

Passively managed funds, closely tracking underline index

Focused

Concentrated portfolio of around 30 high conviction stocks

Thematic

Funds with specific themes like IT, Pharma, Banking, PSU etc.

Value-Oriented

Invests in undervalued stocks with good fundamentals and upside potential

Arbitrage Funds

Invest in Arbitrage opportunities. Stable returns with Equity like taxation

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

Ideal for short term parking of funds for 1 day to 3 months

Ultra Short term

Good for short term investment for 3 months to 1 year

Short Term

Good for investment duration of 1 year to 2 Years

Gilt Funds

Invest only in government securities & carry lowest credit risk

Banking and PSU Debt

Predominantly invest in debt instruments of banks and PSU.

Corporate Bond

Predominantly invest in high rated corporate bonds.

Credit Risk

Invest in below the highest-rated corporate bonds for higher returns

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 Funds

Generate returns by investing in equity, debt and arbitrage opportunities. Tend to deliver returns better than FD

Dynamic Asset Allocation

Dynamically shift allocation from 100% debt to 100% equity

Conservative Funds

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

Multi-Asset

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

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.

Advantages 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.

Equity 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

Type of Equity Funds by Investment style

Index Funds / ETF

Passively managed funds, closely tracking underline index

Focused

Concentrated portfolio of around 30 high conviction stocks

Thematic

Funds with specific themes like IT, Pharma, Banking, PSU etc.

Value-Oriented

Invests in undervalued stocks with good fundamentals and upside potential

Arbitrage Funds

Invest in Arbitrage opportunities. Stable returns with Equity like taxation

Hybrid Funds

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 Funds

Generate returns by investing in equity, debt and arbitrage opportunities. Tend to deliver returns better than FD

Dynamic Asset Allocation

Dynamically shift allocation from 100% debt to 100% equity

Conservative Funds

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

Multi-Asset

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

Debt Funds

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

Ideal for short term parking of funds for 1 day to 3 months

Ultra Short term

Good for short term investment for 3 months to 1 year

Short Term

Good for investment duration of 1 year to 2 Years

Gilt Funds

Invest only in government securities & carry lowest credit risk

Banking and PSU Debt

Predominantly invest in debt instruments of banks and PSU.

Corporate Bond

Predominantly invest in high rated corporate bonds.

Credit Risk

Invest in below the highest-rated corporate bonds for higher returns

ELSS - Tax saving

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

International

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.

Advantages 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

Lumpsum

SIP

STP

Start an SIP

Start with Monthly SIP as low as Just 500 /Month

Compounding

Power of compounding on the investment over a long period 

Convenience

You can start an investment with as low as Rs 500/month

Cost Averaging

When the market is low, you will get more units which reduce the overall costing

Tax Benefit

Investors can save taxes under Section 80C of the Income Tax Act 1961 by doing SIP in ELSS

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₹11,005 Crore collected through SIP in November 30, 2021
About 4.78 crore SIP Accounts
as on November 30, 2021
Source: amfiindia.com
CURATED PORTFOLIO

CONSERVATIVE INVESTOR

The portfolio is invested in 100% debt and money market securities. This is a low risk, stable returns portfolio with a significant exposure to high quality (AAA) sovereign and corporate bond papers

BALANCED INVESTOR

The portfolio is invested in 60% equity and 40% debt. This is a medium risk, moderate returns portfolio with a significant exposure to top performing large cap stocks and high quality (AAA rated) debt instruments.

AGGRESSIVE INVESTOR

The portfolio is invested in 100% equity. This portfolio has exposure to multi-cap stocks. This is a high risk, high returns portfolio with significant exposure to small and midcap stocks.

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Palak Jain
Sr. Manager - Front Desk 
Qualification
Experience
  • MBA
  • 3+ Years
Palak Jain
Sr. Manager - Front Desk
Qualification
Experience
  • MBA
  • 3+ Years
Kashish
Front Desk Manager
Qualification
  • B.COM.
Kashish
Front Desk Manager
Qualification
  • B.COM.
Vanshika Mehta
Front Desk Manager 
Qualification
  • M.COM.
Vanshika Mehta
Front Desk Manager 
Qualification
  • M.COM.