Understanding mutual funds
Mutual funds are a smart choice for anyone looking to step into the world of investment. They simplify investing by pooling your money with that of other investors, allocating these collective funds across a diverse array of assets like stocks and bonds. This approach not only minimizes risk through diversification but also taps into the expertise of seasoned fund managers. Whether you're a beginner or an experienced investor, mutual funds offer a flexible, accessible, and cost-effective way to grow your wealth. With options like systematic investment plans, they adapt to your financial goals and lifestyle, making them a go-to choice for building a robust financial portfolio.Read more Read less
Types of funds
Maximize growth with equity funds, ideal for long-term investment horizons with a focus on stock market investments for higher potential returns
Stable and reliable, debt funds invest in bonds and fixed-income securities, perfect for risk-averse investors seeking consistent income
The best of both worlds – these funds mix stocks and bonds, balancing risk and reward, which is suitable for diversified investment strategies
Track market performance easily as the fund mirrors specific market indexes, offering a transparent and cost-effective investment choice
Tailored for specific goals, these funds offer focused investments for retirement or education, with a fixed lock-in period for disciplined saving
Ideal for short-term goals, they provide high liquidity and lower risk by investing in short-term money market instruments
Why invest with us
Mutual fund investments made easy and smart, powered by Fisdom.
Karnataka Bank is a AMFI Registered Mutual Fund Advisor (ARMFA) from 21-03-2017 with the AMFI Registration Number (ARN)-36805. The current validity of ARN -36805 is up to 20-03-2026.
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Mutual fund investment methods
Investments in mutual funds can be made in two ways, as per your convenience
SIP
A Systematic Investment Plan (SIP) is a way to invest a fixed amount in mutual funds regularly, typically each month, making it an easy and disciplined approach to grow your savings over time.
Start SIPs with as little as
₹1,000/month
- Ensures that you develop a habit of saving money
- Flexible investment tenure
- SIP ensures that the cost of purchasing mutual fund units averages out over the tenure
Lumpsum
A lumpsum investment is when you invest a large amount of money in one go, instead of multiple smaller payments. It's a one-time investment that can provide the opportunity for significant returns.
Start investing with as little as
₹5,000/month
- Ideal for those who have a large amount of money handy for making investments
- Manage the timing of the investment as per your risk appetite
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We have strong relationships with multiple AMCs with their mutual fund products open to you
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Got questions? We’ve got answers.
Mutual funds pool money from several investors to invest in various assets like stocks or bonds. They offer diversification, professional management, and liquidity, making them accessible for those new to investing.
SIP is a methodical approach to investing in mutual funds. It allows you to invest a fixed amount regularly, helping you build wealth over time and benefit from market fluctuations.
Yes, mutual funds involve management fees and occasionally commission charges. These fees are relatively lower due to collective investment, making it a cost-efficient choice.
Mutual funds are generally liquid, meaning you can redeem your investment relatively quickly, usually at the current market value.
Mutual funds are ideal for their professional management, risk diversification, potential for higher returns, and flexible investment options. They're especially beneficial for investors who prefer a hands-off approach.
Investors can choose from a variety of mutual fund types based on their investment goals and risk tolerance, including equity funds for growth potential, debt funds for steady income, hybrid funds for balanced exposure, index funds to match market indices, solution-oriented funds for specific goals like retirement, and liquid funds for short-term liquidity needs.
To begin investing, you can complete a simple, paperless Know Your Customer (KYC) process, then select a mutual fund that matches your investment objectives. Investments can start with as little as ₹1,000 per month, and you can track your investments in real time.
Equity funds are designed for individuals looking for long-term capital growth, as they primarily invest in the stock market and aim to offer higher returns by taking on more risk compared to debt funds.
Yes, investors have the convenience of tracking their mutual fund investments in real time, allowing them to monitor performance and make informed decisions about their investment portfolio.
Yes, we are here to help you with every step of your investment journey, which includes recommendations and advice tailored to your personal financial goals and needs.
Mutual funds offer a way to invest in a diversified portfolio managed by professional fund managers. They are suitable for a range of investment objectives, from wealth creation to income generation. Mutual funds provide access to a variety of asset classes, including equities, bonds, and commodities. They offer liquidity, transparency, and flexibility in terms of investment amount and withdrawal. For investors who may not have the time or expertise to manage individual stocks or bonds, mutual funds can be an effective investment solution. A versatile mutual funds investment can offer numerous advantages of mutual funds, including diversification, professional management, and liquidity. Learn about the benefits of mutual funds and explore our mutual fund scheme selection to enhance your investment portfolio.
In mutual funds, the concept of interest rates is replaced by returns, which are not fixed and vary based on the fund's performance. Returns in equity funds are linked to stock market performance, while debt funds are influenced by interest rate movements and credit quality of the underlying securities. It's important to understand the fund's investment objective, the associated risks, and historical performance before investing.
Do research and choose mutual funds that align with your risk tolerance and investment goals. Diversify your investments across different fund categories. Regularly monitor the performance of your funds and the market conditions. Don't chase short-term performance; consider long-term investment horizons. Avoid investing in too many funds, which can complicate your portfolio management.
