What is a mutual fund?
A mutual fund collects money from thousands of investors and deploys it into a diversified portfolio of stocks, bonds or both — managed by a SEBI-registered fund manager. Instead of picking individual stocks yourself, you buy units of the fund and benefit from professional management, instant diversification, and SEBI-mandated transparency.
Nifty 500 · 10-yr SIP
14.1%
median XIRR since 1995
Why mutual funds
What are the benefits of investing in mutual funds?
Diversification
A mutual fund holds a variety of assets (often more than 100 securities from a range of companies), so they are inherently balanced which helps reduce risk.
Liquidity
You can easily redeem shares of a mutual fund at any time. Typically, the fund will buy back your shares at the current price, less any redemption fees.
Efficiency
Buying securities one by one can rack up brokerage fees, but the annual fee of a mutual fund can be low enough to make it a more cost-effective option.
Professional management
Not everyone has the know-how to manage a portfolio. A mutual fund gives you the benefits of ongoing professional money management at a reasonable cost.
Our mutual fund services
Funds for every goal and horizon.
AMFI guidelines What you should know
Regulations that protect you.
KYC Mandatory
All mutual fund investors must be KYC-compliant. You need PAN, Aadhaar and bank details. We assist with KYC completion at no charge.
Direct vs Regular Plans
Direct plans have lower expense ratios (no distributor commission). Regular plans include a trail fee. We offer both — with full disclosure of what we earn.
Exit Load
Most equity funds charge 1% exit load if redeemed within 1 year. Liquid and overnight funds typically have no exit load. Always check the SID.
Expense Ratio
The annual cost deducted from the fund's NAV. SEBI has capped this at 1.05% for direct plans and 1.55% for regular plans (equity, > ₹50K Cr AUM).
Nomination
SEBI mandates nomination for all folios. You can add up to 3 nominees with defined percentages. Unnominated folios may face redemption delays.
Tax Treatment
LTCG on equity funds > ₹1.25L per year taxed at 12.5%. STCG at 20%. Debt funds taxed as per income slab. ELSS units locked for 3 years.
Mutual Fund investments are subject to market risks. Please read all scheme related documents carefully before investing. Past performance is not an indicator of future returns. Investors should consult their financial adviser if in doubt about whether a product is suitable for them. Pingale Financial Services is an AMFI-registered mutual fund distributor (ARN-XXXXXX). We may earn trail commissions on regular plan investments; direct plan investments do not attract any commission. Exit loads and expense ratios vary by scheme — please refer to the scheme information document.
How it works
From conversation to cover in days, not weeks.
Goal map
Every goal — house, child's education, retirement — mapped to a corpus, horizon and monthly SIP.
Fund selection
We shortlist funds from 38 AMCs based on rolling returns, risk-adjusted performance, AUM and fund manager track record.
Automate
SIP mandates set up across selected funds. Step-up mandate (5–10% annual increase) set by default.
Review
Quarterly portfolio review. Annual rebalancing. Tax-loss harvesting where applicable. Goal tracking every 6 months.
Frequently asked
Common questions, honestly answered.
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