{"id":42177,"date":"2026-08-12T10:00:26","date_gmt":"2026-08-12T04:30:26","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=42177"},"modified":"2026-08-12T08:22:17","modified_gmt":"2026-08-12T02:52:17","slug":"what-makes-one-mutual-fund-riskier-than-another","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/what-makes-one-mutual-fund-riskier-than-another\/","title":{"rendered":"What Makes One Mutual Fund Riskier Than Another?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-6a7c184633cfa\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-6a7c184633cfa\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/what-makes-one-mutual-fund-riskier-than-another\/#asset_allocation_the_biggest_factor\" title=\"asset allocation. the biggest factor\">asset allocation. the biggest factor<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/what-makes-one-mutual-fund-riskier-than-another\/#the_riskometer_six_levels_of_risk\" title=\"the riskometer. six levels of risk\">the riskometer. six levels of risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/what-makes-one-mutual-fund-riskier-than-another\/#concentration_risk_putting_all_eggs_in_one_basket\" title=\"concentration risk. putting all eggs in one basket\">concentration risk. putting all eggs in one basket<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/what-makes-one-mutual-fund-riskier-than-another\/#credit_risk_in_debt_funds\" title=\"credit risk in debt funds\">credit risk in debt funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/what-makes-one-mutual-fund-riskier-than-another\/#interest_rate_risk_the_bond_price_equation\" title=\"interest rate risk. the bond price equation\">interest rate risk. the bond price equation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/what-makes-one-mutual-fund-riskier-than-another\/#liquidity_risk_getting_stuck_in_a_fund\" title=\"liquidity risk. getting stuck in a fund\">liquidity risk. getting stuck in a fund<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/what-makes-one-mutual-fund-riskier-than-another\/#what_to_check_beyond_returns\" title=\"what to check beyond returns\">what to check beyond returns<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/what-makes-one-mutual-fund-riskier-than-another\/#frequently_asked_questions\" title=\"frequently asked questions\">frequently asked questions<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">not all mutual funds carry the same level of risk. two funds in the same category can have completely different risk profiles\u00a0<\/span><span class=\"\">. the difference comes down to what the fund holds, how it is managed, and how sensitive it is to market movements.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">the riskometer is a visual tool introduced by sebi to help investors compare risk levels across funds\u00a0<\/span><span class=\"\">. it ranges from low to very high, with colour coding from green to dark red\u00a0<\/span><span class=\"\">. but the riskometer is only the starting point.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"asset_allocation_the_biggest_factor\"><\/span><strong><span class=\"\">asset allocation. the biggest factor<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">what the fund invests in determines most of its risk.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">equity funds.<\/span><\/strong><span class=\"\">\u00a0these carry the highest risk. they invest in stocks, which are volatile by nature. small-cap and mid-cap funds are riskier than large-cap funds because smaller companies are more sensitive to economic downturns\u00a0<\/span><span class=\"\">. sectoral and thematic funds are even riskier because they are concentrated in one area\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">debt funds.<\/span><\/strong><span class=\"\">\u00a0these carry lower risk but are not risk-free. they invest in bonds and other fixed-income instruments. the risk comes from interest rate changes and the creditworthiness of the issuer\u00a0<\/span><span class=\"\">. longer-duration debt funds are more sensitive to interest rate changes than shorter-duration ones\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">hybrid funds.<\/span><\/strong><span class=\"\">\u00a0these sit between equity and debt. the risk depends on the equity-debt mix. a fund with 70% equity is riskier than one with 30% equity\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"the_riskometer_six_levels_of_risk\"><\/span><strong><span class=\"\">the riskometer. six levels of risk<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">sebi categorises mutual funds into six risk levels\u00a0<\/span><span class=\"\">:<\/span><\/p>\n<div class=\"ds-scroll-area ds-scroll-area--show-on-focus-within ds-scroll-area--enabled _1210dd7 c03cafe9\">\n<table>\n<thead>\n<tr>\n<th><span class=\"\">risk level<\/span><\/th>\n<th><span class=\"\">typical funds<\/span><\/th>\n<th><span class=\"\">colour code<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span class=\"\">low<\/span><\/td>\n<td><span class=\"\">overnight funds, liquid funds<\/span><\/td>\n<td><span class=\"\">dark green<\/span><\/td>\n<\/tr>\n<tr>\n<td><span class=\"\">low to moderate<\/span><\/td>\n<td><span class=\"\">ultra-short duration funds, money market funds<\/span><\/td>\n<td><span class=\"\">light green<\/span><\/td>\n<\/tr>\n<tr>\n<td><span class=\"\">moderate<\/span><\/td>\n<td><span class=\"\">corporate bond funds, banking and psu funds<\/span><\/td>\n<td><span class=\"\">yellow<\/span><\/td>\n<\/tr>\n<tr>\n<td><span class=\"\">moderately high<\/span><\/td>\n<td><span class=\"\">equity savings funds, credit risk funds<\/span><\/td>\n<td><span class=\"\">orange<\/span><\/td>\n<\/tr>\n<tr>\n<td><span class=\"\">high<\/span><\/td>\n<td><span class=\"\">sectoral funds, international funds<\/span><\/td>\n<td><span class=\"\">red<\/span><\/td>\n<\/tr>\n<tr>\n<td><span class=\"\">very high<\/span><\/td>\n<td><span class=\"\">small-cap funds, mid-cap funds<\/span><\/td>\n<td><span class=\"\">dark red<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">two funds in the same category can have different riskometer ratings. for example, two gilt funds can have different risk levels because of differences in portfolio composition\u00a0<\/span><span class=\"\">. one may hold more cash, reducing its risk.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"concentration_risk_putting_all_eggs_in_one_basket\"><\/span><strong><span class=\"\">concentration risk. putting all eggs in one basket<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">a fund that holds a few stocks or is heavily weighted in one sector carries higher risk. if that sector underperforms, the entire fund suffers.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">multi-asset allocation funds show this clearly. of 34 such funds, only one was rated low risk. five were rated high risk. the remaining 28 were rated very high risk\u00a0<\/span><span class=\"\">. the difference came from portfolio mix. the low-risk fund had 60% in debt and 48% in cash. the very high-risk funds had much higher equity exposure\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"credit_risk_in_debt_funds\"><\/span><strong><span class=\"\">credit risk in debt funds<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">debt funds face credit risk. this is the risk that the bond issuer defaults on interest or principal payments\u00a0<\/span><span class=\"\">. funds that invest in lower-rated bonds offer higher returns but carry higher credit risk. funds that stick to aaa-rated bonds are safer\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"interest_rate_risk_the_bond_price_equation\"><\/span><strong><span class=\"\">interest rate risk. the bond price equation<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">bond prices move inversely to interest rates. when rates rise, bond prices fall. debt funds with longer duration are more sensitive to rate changes\u00a0<\/span><span class=\"\">. short-duration debt funds are less affected.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"liquidity_risk_getting_stuck_in_a_fund\"><\/span><strong><span class=\"\">liquidity risk. getting stuck in a fund<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">liquidity risk is the difficulty of redeeming units without affecting the price. closed-ended funds and funds that invest in illiquid securities carry higher liquidity risk\u00a0<\/span><span class=\"\">. during market stress, this risk becomes more apparent.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"what_to_check_beyond_returns\"><\/span><strong><span class=\"\">what to check beyond returns<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">returns are not the whole picture\u00a0<\/span><span class=\"\">. two funds with the same returns can have very different risk levels.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">standard deviation.<\/span><\/strong><span class=\"\">\u00a0measures how much the fund&#8217;s returns have varied from the average. higher standard deviation means higher volatility\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">beta.<\/span><\/strong><span class=\"\">\u00a0measures how much the fund moves relative to the market. above one means more volatile than the market. below one means less volatile\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">sharpe ratio.<\/span><\/strong><span class=\"\">\u00a0measures the return per unit of risk. higher means better risk-adjusted returns\u00a0<\/span><span class=\"\">.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"frequently_asked_questions\"><\/span><strong><span class=\"\">frequently asked questions<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">1. which mutual fund category carries the highest risk ?<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">small-cap and mid-cap funds carry the highest risk. sectoral and thematic funds also carry high risk because they are concentrated in one area.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">2. are debt funds completely safe ?<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">no. debt funds carry credit risk and interest rate risk. the risk is lower than equity funds but it is not zero.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">3. what is the riskometer in mutual funds ?<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">the riskometer is a sebi-mandated visual tool that shows a fund&#8217;s risk level from low to very high. it is based on the fund&#8217;s portfolio composition, credit quality, and interest rate sensitivity.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">4. can two funds in the same category have different risk levels ?<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">yes. portfolio composition varies within the same category. one fund may hold more cash or higher-rated securities, reducing its risk.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">5. how should investors use the riskometer ?<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">the riskometer helps match the fund&#8217;s risk level with the investor&#8217;s risk tolerance. investors should check the riskometer before investing.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>not all mutual funds carry the same level of risk. two funds in the same category can have completely different risk profiles\u00a0. the difference comes down to what the fund holds, how it is managed, and how sensitive it is to market movements. the riskometer is a visual tool introduced by sebi to help investors [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/what-makes-one-mutual-fund-riskier-than-another\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":41,"featured_media":42039,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false},"categories":[822],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Makes One Mutual Fund Riskier Than Another? - Kuvera<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kuvera.in\/blog\/what-makes-one-mutual-fund-riskier-than-another\/\" \/>\n<meta property=\"og:locale\" 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