Professionally Managed Funds Across Every Major Category
Equity, debt, hybrid and solution-oriented schemes from all major AMCs. Invest by SIP, lumpsum, STP or SWP, matched to your goals and risk profile.
Low to Very High, as per the SEBI Riskometer of each scheme
SIP from ₹100–500 a month, depending on the scheme; lumpsum minimums vary by scheme
No fixed tenure for most open-ended schemes; ELSS has a 3-year lock-in. Exit loads may apply on early redemption.
- First-time investors starting with a small monthly SIP
- Salaried professionals investing regularly towards goals
- Long-term investors planning for retirement or a child's education
- Investors parking surplus cash in liquid or short-duration funds
- Taxpayers under the old regime seeking a Section 80C deduction via ELSS
- Schemes from all major AMCs across equity, debt, hybrid, index/ETF, liquid and ELSS
- SIP, lumpsum, STP and SWP options
- Professionally managed and SEBI-regulated, with regular portfolio disclosures
- Liquidity in most open-ended schemes, subject to exit loads
- Every scheme carries a SEBI Riskometer label
- Equity-oriented funds: STCG (held up to 12 months) 20%; LTCG (over 12 months) 12.5% on gains above ₹1.25 lakh a year
- Debt funds bought on or after 1 April 2023: gains taxed at slab rate, irrespective of holding period
- Hybrid funds: treatment depends on the scheme's equity share
- Dividends (IDCW) taxed at your slab rate
- ELSS: 3-year lock-in; Section 80C deduction only under the old tax regime
Tax treatment as per current law and subject to change; please consult a qualified Chartered Accountant before investing.
What Are Mutual Funds?
A mutual fund pools money from many investors and invests it in a portfolio of stocks, bonds, or other securities in line with the scheme's stated objective. Professional fund managers make the investment decisions, so you do not need to pick individual stocks or bonds yourself.
Through WealthBay, you can access schemes across all major AMCs, subject to availability and our distribution arrangements — from equity funds for long-term growth to debt funds for relatively stable income and solution-oriented schemes for goals like retirement. Diversification spreads your money across many securities, which can reduce concentration risk, though it does not eliminate market risk.
Types of Mutual Funds
Understanding the major categories helps you build a balanced portfolio that matches your risk tolerance and time horizon. Each scheme's actual risk level is shown on its SEBI Riskometer.
Equity Funds
Invest primarily in stocks of companies across market capitalisations. Equity funds have higher growth potential over the long term but come with higher short-term volatility. Generally considered for goals that are 5+ years away.
- Large Cap — top 100 companies by market cap
- Mid Cap — companies ranked 101 to 250
- Small Cap — companies ranked 251 and below
- Flexi Cap — freedom to invest across all caps
- Sectoral / Thematic — focused on specific industries
Debt Funds
Invest in fixed-income instruments like government securities, corporate bonds and money market instruments. Generally less volatile than equity funds, but they carry interest-rate and credit risk.
- Short Duration — roughly 1 to 3 year portfolios
- Corporate Bond — high-quality company debt
- Gilt — government securities only
- Dynamic Bond — flexible duration management
Hybrid Funds
Combine equity and debt (and sometimes gold) in a single scheme to balance growth and stability. May suit investors who want some equity exposure without the full volatility of pure equity funds.
- Aggressive Hybrid — 65–80% equity, rest in debt
- Conservative Hybrid — 75–90% debt, rest in equity
- Balanced Advantage — dynamic equity-debt allocation
- Multi Asset — equity, debt and gold combination
Index Funds & ETFs
Passively track a market index such as the Nifty 50 or Sensex. Index funds are bought like any other mutual fund; ETFs trade on the exchange and need a demat account. Costs are usually lower than active funds, but you bear the full market risk of the index.
- Broad-market indices (Nifty 50, Sensex)
- Factor, sector and international indices
- ETFs: exchange-traded, demat based
- Index funds: SIP-friendly, no demat needed
Liquid Funds
Debt funds that invest in money-market instruments with residual maturity of up to 91 days. Often used to park surplus cash with relatively low interest-rate risk. They still carry credit and liquidity risk, and returns are not guaranteed.
- Short residual maturity (up to 91 days)
- Typically used for emergency or surplus cash
- Generally higher liquidity than other debt categories
- Not a bank deposit; no deposit insurance
ELSS (Tax-Saving Funds)
Equity Linked Savings Schemes offer a deduction under Section 80C (up to ₹1.5 lakh a year, under the old tax regime only) with a 3-year lock-in — the shortest among Section 80C options. Returns are market-linked.
- 3-year lock-in on each investment (each SIP instalment separately)
- Growth and IDCW options
- Section 80C benefit only under the old regime
- Regular plans available through distributors like WealthBay
SIP, Lumpsum, STP and SWP
SIP (Systematic Investment Plan)
Invest a fixed amount at regular intervals, regardless of market conditions. SIP averages out your purchase cost over time (rupee-cost averaging). Many schemes allow SIPs from ₹100–500 a month.
- No need to time the market
- Disciplined investing habit
- Low minimum amounts in many schemes
- Easy to increase, pause or stop
Lumpsum
Invest a larger amount at once, typically when you receive a bonus, sell an asset or have idle cash. Fully exposed to market movements from day one, so usually suited to a longer holding period.
- Immediate full market exposure
- Suited to windfall money
- No ongoing commitment needed
- Can be combined with STP for a staggered entry
STP (Systematic Transfer Plan)
Move a fixed amount at intervals from one scheme (often a liquid fund) into another (often equity) of the same AMC. Useful when you have a lumpsum but want to enter equity gradually.
- Stagger entry into a riskier scheme
- Source and target schemes must allow STP
- Each transfer is a redemption for tax purposes
- Exit loads may apply
SWP (Systematic Withdrawal Plan)
Withdraw a fixed amount at intervals while the rest stays invested. Useful for planned cash flow in retirement. Withdrawals can eat into capital if markets fall or if you withdraw too much.
- Regular cash flow from an existing corpus
- Remaining units stay invested
- Each withdrawal may have tax consequences
- Income is not guaranteed
See What a Monthly SIP Could Add Up To
Use our SIP calculator to estimate how a monthly investment might grow over time at an assumed rate of return. Try different amounts, durations and return assumptions to see how much each one matters.
Calculator results are illustrations based on the assumptions you enter, not a forecast or a promise of returns.
Plan Backwards From Your Goal
Enter a goal amount and a timeline, and the goal planner estimates the monthly investment that may be needed. Results are illustrative and depend on your assumptions.
Read the Factsheet Before You Invest
Every AMC publishes a monthly factsheet with each scheme's portfolio, expense ratio, riskometer and performance against its benchmark. Use these official sources, and read the SID, SAI and KIM before investing.
Potential Benefits and Key Risks
Mutual funds offer several potential advantages, but returns are not guaranteed. Understanding both sides helps you invest with the right expectations.
Potential Benefits
What mutual funds can offer, depending on the scheme and how long you stay invested.
- Professional fund management
- Diversification across many securities
- Choice of schemes for different goals and risk levels
- Liquidity in most open-ended schemes (subject to exit loads)
- Regulated by SEBI, with regular portfolio disclosures
Key Risks
Factors that can affect the value of your investment.
- Market risk — NAVs move with the markets and can fall
- Interest-rate and credit risk in debt funds
- Concentration risk in sectoral and thematic funds
- Returns may be lower than expected, or negative
- Exit loads and expense ratios affect net returns
AMFI-Registered Mutual Fund Distributor
WealthBay Private Limited is an AMFI-registered Mutual Fund Distributor (ARN 29566), based in Bengaluru and serving investors across India. We help you access mutual fund schemes across all major AMCs, subject to availability and our distribution arrangements.
Transactions may be processed through exchange platforms such as BSE StAR MF and NSE NMF II, or through AMC channels where applicable. As a distributor, WealthBay offers regular plans and may receive commission from the AMCs whose schemes you invest in.
Mutual Fund Investments Are Subject to Market Risks
Information on this page is for general awareness and is not a recommendation of any specific scheme.
- The NAV of a scheme can go up or down depending on market movements and other factors affecting its securities.
- Read the Scheme Information Document (SID), Statement of Additional Information (SAI) and Key Information Memorandum (KIM) before investing.
- Schemes may levy exit loads and charge a total expense ratio (TER); regular plans carry a higher expense ratio than direct plans as they include distribution costs.
- Check each scheme's riskometer and make sure its risk level matches your risk profile and horizon.
- A scheme's investment objective may not be achieved.
How to Invest
- 1
Complete KYC
Share your PAN, Aadhaar and bank details for a one-time, paperless KYC if you are not already KYC-compliant.
- 2
Choose Schemes
We discuss your goals, horizon and risk profile and help you shortlist schemes across AMCs, using factsheets and riskometers.
- 3
Start SIP or Lumpsum
Set up a SIP, lumpsum, STP or SWP through BSE StAR MF, NSE NMF II or the AMC, and track it with periodic reviews.
Have questions about Mutual Funds?
Speak to our team — no obligation. We'll explain the options, risks and costs.
Common Questions About Mutual Funds
How much money do I need to start investing in mutual funds?
Can I lose money in a mutual fund?
What is the difference between Direct and Regular plans?
What is the SEBI Riskometer?
How are mutual fund returns taxed?
Disclaimer: Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future returns. WealthBay distributes regular plans of mutual fund schemes and may receive commission from AMCs.
WealthBay Private Limited — AMFI-registered Mutual Fund Distributor, ARN-29566. WealthBay acts as a distributor of third-party financial products and earns commissions from product providers. Please read all scheme / offer documents carefully before investing.
Start Your Mutual Fund Journey with Guided Support
Whether you are a first-time investor or reviewing an existing portfolio, our team at WealthBay, an AMFI-registered Mutual Fund Distributor (ARN 29566), is here to help.