Kuvera makes it easy to discover and invest in direct mutual fund plans
for all your investment goals. Benefit from Kuvera's expertise and insight
and best-in-class technology to make your financial management super easy.
Use our goal-planning calculator, and get all financial tools and
up-to-date information to make the right start to your investment journey.
Kuvera offers ONLY direct mutual fund plans, so you never have to pay the
commissions (up to 2.25%) that you would otherwise have to pay in a
regular MF Plan in the form of higher expense ratio !
How to Invest in Mutual Funds with Kuvera?
Kuvera makes investing easier and accessible for everyone. It takes only
minutes to sign up and explore the best-performing mutual funds across
different categories. To invest from anywhere, download the Kuvera app on
your smartphone and follow these below mentioned steps to invest in mutual
funds through Kuvera:
Step 1: Sign up on Kuvera's website
or mobile application
using your email ID and password.
Step 2: Go to the Invest section and select the mutual fund category
you want to explore.
Step 3: You can type in the name of the mutual fund
scheme or sort the results.
Step 4: Click on the fund's name to view its details (NAV,
expense ratio, AUM, etc.)
Step 5: Choose whether to invest via SIPs or lump sum and enter the
Step 6: Confirm your order and complete the payment.
Why Choose Kuvera over Other Investment Platforms?
At Kuvera, we help you make informed investment decisions. Here, you
won't feel any sense of FOMO, or get “hot tips” or
schemes to double your money in 21 days. Kuvera professionally analyses
your risk profile based on the inputs provided by you, and recommends the
optimal investment options to help you in reaching your financial
goals. Kuvera is your safe space for mutual fund investment.
Use the Kuvera platform to create long-term wealth without paying any fee.
Here are some more reasons to choose our platform for all your investment
Direct plans only: Kuvera only offers direct plans, so you never
have to pay any commission and the mutual funds plans in which you
will be investing will have a significantly lower expense ratio. This
lets you save a significantly higher amount in the long run, in
comparison to regular mutual fund schemes. There's no catch
— all features on our platform are completely free and
accessible for everyone. Explore over 5000 direct mutual funds
from all AMCs of India like SBI Mutual Fund, ICICI Prudential MF, HDFC
MF, Birla Sun Life MF, Nippon India MF, Axis MF, Mirae Asset MF, Tata
MF, L&T MF and more.
Manage all your investments: Import your external mutual fund
investments on Kuvera with our seamless import feature. You can import
your stock portfolio from your existing broking platform, or upload
the Consolidated Account Statement on Kuvera in order to track your
stock investment and mutual fund investment through one single
Switch from Regular Plans to Direct Plans: Changing your mutual
fund from commission loaded Regular Mutual Funds to Direct plans was a
cumbersome process. On Kuvera, we help you smartly and seamlessly
switch to direct plans. Kuvera’s TradeSmart feature allows
this with least exit load tax implication. We show your units that are
outside the STCG window, which means 1 year for equity funds. When you
are placing your order, you will also see the applicable LTCG
and exit load so you can make better decisions.
Expert financial team: Team Kuvera team consists of ex-money
managers and technologists. With years of experience, the team at
Kuvera knows how to simplify your investment journey. Kuvera also has
a dedicated support team to assist you and answer your queries 24x7.
100% unbiased: Whenever you search for the top mutual funds
in India on Kuvera, you get an accurate and fair picture of the mutual
fund performance. We do not receive any commissions from fund houses,
nor do we charge any fees based purely on statistics and data. We
represent the most relevant data in the form of simple to understand
graphs and charts that will not overwhelm you with data.
Add your financial goals: You can use goal-based strategy through
our goal-planning feature and invest in a disciplined and structured
manner. Converting your desire into a financial goal helps you stay
committed to it. Whether you want to own a new car or a new home
or fund your child's education, you can use our detailed
investment recommendation to realise these goals.
Manage investments of the family: Sign up to manage your own and
family's investments in one place. You can manage multiple
accounts under the same login ID. Use Kuvera to track all your mutual
fund investments in real-time.
Bank-level security: At Kuvera, we use best-in-class tools and
security protocols to ensure your money is 100% safe. All your
personal and financial data is kept secured through 128-bit encryption
in order to secure your data with the highest level of privacy
Read on to understand mutual funds better and learn how you can make the
What Is a Mutual Fund?
A mutual fund is an investment vehicle that mobilises funds from different
investors to achieve a common investment objective. Funds are raised by
selling the fund's units, which represent contributions to the mutual
fund corpus. The fund invests this money into various assets such as
stocks, bonds, money market instruments, real estate, gold, etc.
Fund managers professionally manage mutual funds, and invest the pooled
money according to the scheme's objectives to make financial gains.
They distribute returns from the mutual funds proportionately
among investors after deducting the applicable fees also called the
The most significant advantage of mutual funds is that they allow retail
investors access to a diversified portfolio of financial securities
(stocks, bonds, and more). This level of diversification would be
challenging for most investors as they would need a substantial amount of
capital. Other benefits include their professional money management and
strict regulation by SEBI.
What Are the Different Types of Mutual Funds?
There are many types of mutual fund schemes in India, each
designed to suit different investment goals. Based on their structure,
there are open-ended and close-ended funds. Depending on the fund
manager's role, mutual funds can also be active or passive.
The following is a broad classification of mutual funds based on the
underlying asset class and investment objectives.
Equity funds: These funds invest most of their assets in stocks
and related instruments. Returns from equity funds largely depend on
the current stock market climate. Equity funds are ideal for investors
looking for high returns and have a higher risk tolerance.
Debt funds: Debt funds invest primarily in fixed-income
instruments like government securities, treasury bills, corporate
bonds, debentures, certificates of deposits, etc. They aim to provide
regular and stable returns while protecting your capital.
Hybrid funds: Hybrid funds invest in stocks and debt to offer
balanced returns and risks. Their asset allocation will differ based
on their mix of equity and debt.
Solution-oriented funds: These mutual fund schemes aim
to build wealth investors for achieving their long-term goals like
children’s education or retirement plans. They carry a lock-in
period of at least 5 years or the retirement age whichever is
Index Funds: Index mutual funds replicate the index which they are
following, a mutual fund following Nifty 50 will invest in those 50
stocks, which comprise the Nifty 50. Index funds due to their historic
performance are one of the most popular investment options amongst
Other funds include ETFs (Exchange Traded Funds), ELSS mutual funds,
and FoFs (fund of funds), etc.
Benefits of Investing in Mutual Funds
Here’s why so many investors choose to invest in mutual funds:
Professional money management
Most investors neither have the time nor the expertise to pick
individual stocks and bonds. Professional fund managers run mutual
funds and make investment decisions pertaining to the mutual fund.
They have the experience, resources, and time to monitor your
investments continuously and rebalance your portfolio if needed.
As mutual funds invest in multiple asset classes and sectors, they
offer the benefit of diversification. This involves investing in a
mixture of assets to mitigate your investment risks. When some
securities in your portfolio perform poorly, other financial
instruments make up for it.
Highly liquid investment
Another reason to invest in mutual funds is superior
liquidity against other investments. You can quickly liquidate your
investments by placing a redemption request on any business day. The
fund will credit this amount to your bank account within 1-3 business
days. Some fund houses offer an instant redemption facility. Most
mutual funds have no lock-in period. However, ELSS mutual funds are an
important exception to this rule.
Mutual funds charge nominal fees due to their massive economies of
scale. It is an affordable investment option as you can start
investing with only Rs. 100 per month via SIPs.
All mutual fund schemes come under the regulations of India's
market regulator SEBI (Securities and Exchange Board of India). Every
fund house must follow SEBI's rules and regulations that ensure
investor protection and transparency.
Things to check before investing in mutual funds
Before you invest in mutual funds, here are some of the factors you
will need to check:
Risk levels: Different categories of mutual fund
schemes carry different risks depending on their asset allocation
and investment objective. You will want to check if you are
comfortable with the risk levels and investment objective of a fund
Expense ratio: The expense ratio is an annual charge imposed by
AMCs to cover a mutual fund scheme's managerial and operating
costs. It is essential to check the fund's expense ratio as a
high fee will considerably reduce your returns.
Your financial goals: You will want to invest in a mutual
fund best suited for your investment goal, whether to fund your
children's education or build a retirement corpus. Even if you do
not have a clear goal, you can decide based on factors like investment
time horizon and expected returns.
Fund’s past performance: Check the fund's annualized
returns for the past 3-5 years to get an idea of how well it has been
managed. You will want to compare its performance against its
benchmark and peers for the last few years. Although please note that
past performance does not guarantee future returns.
Fund manager’s track record: As the fund manager's role is
crucial in determining a mutual fund's performance, you need to
check their qualifications, experience, and track record. Check if
their managed funds have delivered consistent returns or outperformed
their benchmark index.
Mutual funds are a popular investment option in India due to their various
benefits like portfolio diversification and professional money management.
There are many choices of mutual fund schemes that you can choose from.
Consider factors like risk tolerance and financial goals to pick the right
mutual fund for your portfolio and do not blindly invest based on the
advice you receive from your friends or family members.
With platforms like Kuvera, finding the top-performing mutual funds has
never been easier. Simply sign up on Kuvera to start your investment
Frequently Asked Questions
What is the meaning of the NAV of a mutual fund?
Net Asset Value or NAV is the price of a unit of a mutual fund scheme
at which an investor can buy or redeem their mutual fund
investments. The combined NAV of all the units of a
particular mutual fund scheme represents the combined market
value of all assets held by a fund on a particular day plus the
accrued income minus its expenses and liabilities.
How is a mutual fund set up in India?
In India, all mutual funds are set up as trusts, with sponsors,
trustees, custodians, and an AMC (Asset Management Company). The
sponsor is the trust's founder, while the trustees hold the
fund's assets. The custodian is registered with SEBI to hold its
securities. Meanwhile, the AMC employs fund managers to manage the
What is the AUM of a mutual fund scheme?
Assets under Management (AUM) refer to the total assets managed and
operated by a mutual fund. A large AUM generally means that many
investors have invested a large corpus in the fund.
What is the difference between direct plans and regular plans?
Most mutual fund schemes have two plans: regular and direct. Regular
plans are those that you can purchase via agents or brokers. Direct
plans are offered by the fund house directly through their website or
through direct mutual fund platforms like Kuvera. Direct plans have a
lower expense ratio than regular plans as the AMC does not have to pay
commission to any third-party agent in the case of a direct mutual
fund plan. Regular mutual funds have a higher expense ratio as
commission/brokerage fees of the brokers is built-in the regular
mutual fund scheme through a higher expense ratio.
Why would you want to invest in mutual funds via SIPs?
Systematic Investment Plans (SIPs) allow you to periodically invest
small amounts in a mutual fund scheme (weekly, monthly, quarterly, or
yearly). It makes investing easier, regular, and affordable. Moreover,
you do not need to time the market when investing via SIPs; your
purchase costs average out over time.