Generally, a newbie to investment or a senior citizen who wants to secure their funds look for low-risk Mutual Funds. When an investor wants to invest in a low-risk mutual funds it's usually because he needs to secure his money or earn optimal returns in a short duration.
So, if you are one of those you can read more
What are Low Risk Investment Funds?
Many investors look forward to Investing in mutual funds as these offer higher returns and also are more tax efficient than other instruments like fixed deposits. But, when it comes to risk-averse investors, these are investors who are looking for secure returns and can’t tolerate risk in investments. Also, a risk-averse investor won’t prefer investing in equities, as they are highly risky funds.
Debt fund are suited for risk-averse or even a newbie investor who is willing to invest in Mutual Funds. As debt funds invest in government Bonds, Money market funds, etc., they are relatively safer. There are various types of debt funds like Liquid Funds, ultra-short term funds, short term funds, dynamic bonds, gilts funds, etc., that vary in risks. long term debt funds are risky funds, thus investors with a low-risk appetite should avoid investing in these funds.
Liquid funds and ultra-short term funds are the lowest risky funds that’s aims at generating optimal returns for a short duration. Thus a newbies investor who wants to earn good returns on their idle money within a shorter tenure can invest here.
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Best Low Risk Mutual Funds FY 24 - 25
Liquid Funds
Liquid funds invest in securities that have a low maturity period, usually less than 91 days. These funds provide easy liquidity and are least volatile than the other types of debt instruments. Also, liquids are a better option than traditional Bank Savings Account. In comparison to bank account, liquid funds provide 7-8% of annual interest. Investors who want risk-free investment can ideally prefer investing in these funds. Here are the top 5 Best Liquid Funds.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2023 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity PGIM India Insta Cash Fund Growth ₹309.909
↑ 0.07 ₹381 1.8 3.5 7.2 5.3 7 7.4% 1M 22D 1M 27D Principal Cash Management Fund Growth ₹2,101.2
↑ 0.41 ₹4,549 1.8 3.5 7.2 5.2 7 7.43% 1M 1M JM Liquid Fund Growth ₹65.0457
↑ 0.01 ₹1,644 1.8 3.5 7.1 5.3 7 7.37% 1M 11D 1M 14D Indiabulls Liquid Fund Growth ₹2,301.53
↑ 0.47 ₹176 1.8 3.5 7 5 6.8 7.31% 1M 17D 1M 22D Axis Liquid Fund Growth ₹2,649.25
↑ 0.54 ₹25,538 1.8 3.6 7.3 5.3 7.1 7.45% 1M 6D 1M 6D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 5 Mar 24
Ultra Short Term Funds
These funds invest in a combination of debt instruments like treasury bills, commercial papers, certificate of deposits, and corporate bonds. The funds have a lower residual maturity, ranging from 6 months to 1 year. Ultra Short Term fund offer good returns with very less Market Volatility. Newbie investors who are looking for better returns than Liquid Funds should prefer investing in these funds, as they provide better returns than liquid funds. Here are the top 5 best ultra-short term funds.
(Erstwhile Invesco India Medium Term Bond Fund) The objective is to generate regular income and capital appreciation by investing in a portfolio of medium term debt and money market instruments. Invesco India Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 30 Dec 10. It is a fund with Moderate risk and has given a Below is the key information for Invesco India Ultra Short Term Fund Total investment amount is ₹180,000 Returns up to 1 year are on Objective The Scheme seeks to deliver reasonable market related returns with lower risk and higher liquidity through a portfolio of debt and money market instruments.However there can be no assurance that the investment objectives of the Scheme will be realized. BOI AXA Liquid Fund is a Debt - Liquid Fund fund was launched on 16 Jul 08. It is a fund with Low risk and has given a Below is the key information for BOI AXA Liquid Fund Total investment amount is ₹180,000 Returns up to 1 year are on An open ended scheme which seeks to generate reasonable returns with low risk and high liquidity through a judicious mix of investment in money marketinstruments and quality debt instruments. However, there is no assurance that the investment objective of the Scheme will be realised. LIC MF Liquid Fund is a Debt - Liquid Fund fund was launched on 11 Mar 02. It is a fund with Low risk and has given a Below is the key information for LIC MF Liquid Fund Total investment amount is ₹180,000 Returns up to 1 year are on To provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through a portfolio of money market and debt securities. Invesco India Liquid Fund is a Debt - Liquid Fund fund was launched on 17 Nov 06. It is a fund with Low risk and has given a Below is the key information for Invesco India Liquid Fund Total investment amount is ₹180,000 Returns up to 1 year are on To enhance the income, while maintaining a level of liquidity through,investment in a mix of MMI & Debt securities. However, there can be no assurance that the investment objective of the scheme will be realized. Canara Robeco Liquid is a Debt - Liquid Fund fund was launched on 15 Jul 08. It is a fund with Low risk and has given a Below is the key information for Canara Robeco Liquid Total investment amount is ₹180,000 Returns up to 1 year are on Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2023 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Savings Fund Growth ₹495.44
↑ 0.11 ₹12,852 1.8 3.5 7.4 5.6 7.2 7.98% 5M 19D 6M 4D UTI Ultra Short Term Fund Growth ₹3,863.9
↑ 0.83 ₹1,815 1.7 3.3 7 5.9 6.7 7.89% 4M 12D 4M 19D BOI AXA Ultra Short Duration Fund Growth ₹2,895.63
↑ 0.60 ₹136 1.6 3 6.4 4.8 6.2 7.7% 5M 8D 5M 5D Indiabulls Ultra Short Term Fund Growth ₹2,021.64
↑ 0.84 ₹18 0.8 1.5 4.2 6.2 3.23% 1D 1D SBI Magnum Ultra Short Duration Fund Growth ₹5,429.7
↑ 1.27 ₹10,861 1.8 3.4 7.3 5.2 7 7.75% 4M 28D 5M 12D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 5 Mar 24 1. Invesco India Ultra Short Term Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 40 in Ultrashort Bond category. Return for 2023 was 6.6% , 2022 was 4.1% and 2021 was 3% . Invesco India Ultra Short Term Fund
Growth Launch Date 30 Dec 10 NAV (05 Mar 24) ₹2,455.63 ↑ 0.61 (0.02 %) Net Assets (Cr) ₹638 on 31 Jan 24 Category Debt - Ultrashort Bond AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.89 Sharpe Ratio -1.47 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.66% Effective Maturity 4 Months 11 Days Modified Duration 4 Months 1 Day Growth of 10,000 investment over the years.
Date Value 28 Feb 19 ₹10,000 29 Feb 20 ₹10,723 28 Feb 21 ₹11,218 28 Feb 22 ₹11,575 28 Feb 23 ₹12,095 29 Feb 24 ₹12,961 Invesco India Ultra Short Term Fund SIP Returns
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Returns for Invesco India Ultra Short Term Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Mar 24 Duration Returns 1 Month 0.9% 3 Month 2% 6 Month 3.5% 1 Year 7.2% 3 Year 5% 5 Year 5.3% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 6.6% 2022 4.1% 2021 3% 2020 5.1% 2019 7.6% 2018 7.3% 2017 7.1% 2016 9.1% 2015 8.3% 2014 10.1% Fund Manager information for Invesco India Ultra Short Term Fund
Name Since Tenure Krishna Cheemalapati 4 Jan 20 4.16 Yr. Vikas Garg 27 Jul 21 2.6 Yr. Data below for Invesco India Ultra Short Term Fund as on 31 Jan 24
Asset Allocation
Asset Class Value Cash 65.59% Debt 34.07% Other 0.33% Debt Sector Allocation
Sector Value Cash Equivalent 51.1% Corporate 42.54% Government 6.03% Credit Quality
Rating Value AA 18.84% AAA 81.16% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 DTB 07032024
Sovereign Bonds | -8% ₹50 Cr 5,000,000 Pipeline Infrastructure Limited
Debentures | -6% ₹35 Cr 3,500,000 Jamnagar Utilities & Power Private Limited
Debentures | -4% ₹25 Cr 2,500,000 Indian Railway Finance Corporation Limited
Debentures | -4% ₹25 Cr 2,500,000 LIC Housing Finance Limited
Debentures | -3% ₹20 Cr 2,000,000
↑ 2,000,000 Bharti Hexacom Limited
Debentures | -3% ₹20 Cr 2,000,000 Bharti Telecom Limited
Debentures | -3% ₹17 Cr 1,700,000 08.10 Wb Sdl 2025mar
Sovereign Bonds | -2% ₹15 Cr 1,500,000 PNb Housing Finance Limited
Debentures | -2% ₹15 Cr 1,500,000 05.80 MH Sdl 2025
Sovereign Bonds | -2% ₹15 Cr 1,500,000 2. BOI AXA Liquid Fund
CAGR/Annualized return of 6.7% since its launch. Ranked 34 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.9% and 2021 was 3.3% . BOI AXA Liquid Fund
Growth Launch Date 16 Jul 08 NAV (05 Mar 24) ₹2,739.52 ↑ 0.60 (0.02 %) Net Assets (Cr) ₹1,289 on 31 Jan 24 Category Debt - Liquid Fund AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.22 Sharpe Ratio 1.42 Information Ratio -3.68 Alpha Ratio -0.1 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.42% Effective Maturity 1 Month 10 Days Modified Duration 1 Month 13 Days Growth of 10,000 investment over the years.
Date Value 28 Feb 19 ₹10,000 29 Feb 20 ₹10,608 28 Feb 21 ₹11,010 28 Feb 22 ₹11,378 28 Feb 23 ₹11,991 29 Feb 24 ₹12,863 BOI AXA Liquid Fund SIP Returns
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Returns for BOI AXA Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Mar 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.6% 1 Year 7.3% 3 Year 5.3% 5 Year 5.2% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2023 7% 2022 4.9% 2021 3.3% 2020 4.1% 2019 6.4% 2018 7.4% 2017 6.7% 2016 7.6% 2015 8.3% 2014 9% Fund Manager information for BOI AXA Liquid Fund
Name Since Tenure Mithraem Bharucha 17 Aug 21 2.54 Yr. Data below for BOI AXA Liquid Fund as on 31 Jan 24
Asset Allocation
Asset Class Value Cash 98.14% Debt 1.67% Other 0.19% Debt Sector Allocation
Sector Value Cash Equivalent 58.68% Corporate 27.94% Government 13.2% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Small Industries Development Bank Of India
Certificate of Deposit | -5% ₹75 Cr 7,500,000 ICICI Bank Limited
Certificate of Deposit | -5% ₹74 Cr 7,500,000
↑ 5,000,000 Bank of Baroda
Debentures | -5% ₹69 Cr 7,000,000
↑ 7,000,000 Repo
CBLO/Reverse Repo | -4% ₹52 Cr Reliance Industries Limited
Commercial Paper | -3% ₹50 Cr 5,000,000 Larsen And Toubro Limited
Commercial Paper | -3% ₹50 Cr 5,000,000 Punjab National Bank
Certificate of Deposit | -3% ₹50 Cr 5,000,000 HDFC Securities Limited
Commercial Paper | -3% ₹50 Cr 5,000,000 HDFC Bank Limited
Certificate of Deposit | -3% ₹50 Cr 5,000,000 Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -3% ₹50 Cr 5,000,000 3. LIC MF Liquid Fund
CAGR/Annualized return of 6.9% since its launch. Ranked 25 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.7% and 2021 was 3.3% . LIC MF Liquid Fund
Growth Launch Date 11 Mar 02 NAV (05 Mar 24) ₹4,305.17 ↑ 0.90 (0.02 %) Net Assets (Cr) ₹11,416 on 31 Jan 24 Category Debt - Liquid Fund AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating ☆☆☆ Risk Low Expense Ratio 0.27 Sharpe Ratio 0.21 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.36% Effective Maturity 1 Month 6 Days Modified Duration 1 Month 6 Days Growth of 10,000 investment over the years.
Date Value 28 Feb 19 ₹10,000 29 Feb 20 ₹10,621 28 Feb 21 ₹11,037 28 Feb 22 ₹11,402 28 Feb 23 ₹11,996 29 Feb 24 ₹12,855 LIC MF Liquid Fund SIP Returns
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Returns for LIC MF Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Mar 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.6% 1 Year 7.2% 3 Year 5.2% 5 Year 5.2% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 7% 2022 4.7% 2021 3.3% 2020 4.3% 2019 6.5% 2018 7.3% 2017 6.6% 2016 7.6% 2015 8.4% 2014 9% Fund Manager information for LIC MF Liquid Fund
Name Since Tenure Rahul Singh 5 Oct 15 8.41 Yr. Data below for LIC MF Liquid Fund as on 31 Jan 24
Asset Allocation
Asset Class Value Cash 97.36% Debt 2.43% Other 0.21% Debt Sector Allocation
Sector Value Cash Equivalent 73.42% Government 15.55% Corporate 10.83% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Larsen & Toubro Ltd.
Commercial Paper | -7% ₹796 Cr 16,000
↑ 16,000 91 DTB 02052024
Sovereign Bonds | -4% ₹494 Cr 50,000,000 India (Republic of)
- | -3% ₹394 Cr 40,000,000
↑ 40,000,000 Net Receivables / (Payables)
Net Current Assets | -3% -₹390 Cr Canara Bank
Certificate of Deposit | -2% ₹300 Cr 6,000 Small Industries Development Bank Of India
Certificate of Deposit | -2% ₹297 Cr 6,000 India (Republic of)
- | -2% ₹296 Cr 30,000,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -2% ₹294 Cr 6,000
↑ 6,000 Rural Electrification Corporation Limited
Commercial Paper | -2% ₹275 Cr 5,500
↑ 5,500 Bank Of Baroda
Certificate of Deposit | -2% ₹274 Cr 5,500 4. Invesco India Liquid Fund
CAGR/Annualized return of 7.1% since its launch. Ranked 9 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.8% and 2021 was 3.3% . Invesco India Liquid Fund
Growth Launch Date 17 Nov 06 NAV (05 Mar 24) ₹3,271.73 ↑ 0.68 (0.02 %) Net Assets (Cr) ₹8,820 on 31 Jan 24 Category Debt - Liquid Fund AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆☆ Risk Low Expense Ratio 0.22 Sharpe Ratio 0.5 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.33% Effective Maturity 1 Month 6 Days Modified Duration 1 Month 6 Days Growth of 10,000 investment over the years.
Date Value 28 Feb 19 ₹10,000 29 Feb 20 ₹10,611 28 Feb 21 ₹11,009 28 Feb 22 ₹11,375 28 Feb 23 ₹11,978 29 Feb 24 ₹12,839 Invesco India Liquid Fund SIP Returns
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Returns for Invesco India Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Mar 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.6% 1 Year 7.2% 3 Year 5.3% 5 Year 5.1% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 7% 2022 4.8% 2021 3.3% 2020 4.1% 2019 6.5% 2018 7.4% 2017 6.7% 2016 7.6% 2015 8.4% 2014 9.1% Fund Manager information for Invesco India Liquid Fund
Name Since Tenure Krishna Cheemalapati 25 Apr 11 12.86 Yr. Prateek Jain 14 Feb 22 2.04 Yr. Data below for Invesco India Liquid Fund as on 31 Jan 24
Asset Allocation
Asset Class Value Cash 99.84% Other 0.16% Debt Sector Allocation
Sector Value Cash Equivalent 70.99% Corporate 18.26% Government 10.58% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Triparty Repo
CBLO/Reverse Repo | -3% ₹364 Cr Larsen And Toubro Limited
Commercial Paper | -2% ₹249 Cr 25,000,000
↑ 25,000,000 Ultratech Cement Ltd.
Commercial Paper | -2% ₹249 Cr 25,000,000
↑ 25,000,000 Axis Bank Limited
Certificate of Deposit | -2% ₹224 Cr 22,500,000
↑ 15,000,000 Net Receivables / (Payables)
Net Current Assets | -2% -₹211 Cr L&T Finance Holdings Ltd.
Commercial Paper | -2% ₹200 Cr 20,000,000
↑ 20,000,000 364 DTB 07032024
Sovereign Bonds | -2% ₹199 Cr 20,000,000 Bank Of Baroda
Certificate of Deposit | -2% ₹199 Cr 20,000,000 91 DTB 02052024
Sovereign Bonds | -2% ₹197 Cr 20,000,000 91 DTB 21032024
Sovereign Bonds | -2% ₹184 Cr 18,500,700 5. Canara Robeco Liquid
CAGR/Annualized return of 6.9% since its launch. Ranked 44 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.9% and 2021 was 3.2% . Canara Robeco Liquid
Growth Launch Date 15 Jul 08 NAV (05 Mar 24) ₹2,864.75 ↑ 0.58 (0.02 %) Net Assets (Cr) ₹3,513 on 31 Jan 24 Category Debt - Liquid Fund AMC Canara Robeco Asset Management Co. Ltd. Rating ☆☆☆ Risk Low Expense Ratio 0.17 Sharpe Ratio 0.97 Information Ratio -3.88 Alpha Ratio -0.16 Min Investment 5,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.37% Effective Maturity 1 Month 7 Days Modified Duration 1 Month 4 Days Growth of 10,000 investment over the years.
Date Value 28 Feb 19 ₹10,000 29 Feb 20 ₹10,603 28 Feb 21 ₹10,957 28 Feb 22 ₹11,318 28 Feb 23 ₹11,923 29 Feb 24 ₹12,786 Canara Robeco Liquid SIP Returns
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Returns for Canara Robeco Liquid
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 5 Mar 24 Duration Returns 1 Month 0.6% 3 Month 1.8% 6 Month 3.6% 1 Year 7.2% 3 Year 5.3% 5 Year 5% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2023 7% 2022 4.9% 2021 3.2% 2020 3.7% 2019 6.4% 2018 7.4% 2017 6.5% 2016 7.5% 2015 8.2% 2014 9% Fund Manager information for Canara Robeco Liquid
Name Since Tenure Avnish Jain 1 Apr 22 1.92 Yr. Kunal Jain 18 Jul 22 1.62 Yr. Data below for Canara Robeco Liquid as on 31 Jan 24
Asset Allocation
Asset Class Value Cash 99.83% Other 0.17% Debt Sector Allocation
Sector Value Cash Equivalent 60.52% Corporate 27.86% Government 11.45% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps
CBLO/Reverse Repo | -9% ₹324 Cr Net Receivables / (Payables)
CBLO | -7% -₹257 Cr HDFC Bank Limited
Certificate of Deposit | -6% ₹224 Cr 4,500 Small Industries Development Bank Of India
Certificate of Deposit | -5% ₹198 Cr 4,000 91 DTB 11042024
Sovereign Bonds | -5% ₹193 Cr 19,500,000
↑ 19,500,000 Punjab National Bank
Certificate of Deposit | -4% ₹149 Cr 3,000 Export-Import Bank Of India
Commercial Paper | -4% ₹149 Cr 3,000 Bank Of Baroda
Certificate of Deposit | -4% ₹147 Cr 3,000
↑ 3,000 National Bank For Agriculture And Rural Development
Commercial Paper | -4% ₹139 Cr 2,800 Rural Electrification Corporation Limited
Commercial Paper | -3% ₹125 Cr 2,500
Frequently Asked Questions
1. How can I choose the best fund?
A. The investment choice is based upon a variety of factors, like the fund managers, historical returns, fees and loads, investment style, investment objective, investment horizon and more. Thus, to pick the best fund, make sure you analyze every important Factor cautiously before moving ahead.
2. What is the appropriate investment type that has the lowest risk?
A. Because of the unpredictable situation of the Economy and the availability of varying investment options, it is quite difficult to evaluate a safe option. However, some of the options that you can consider include bank fixed deposits, municipal bonds, certificate of deposits, and more.
3. What is the use of a mutual fund calculator?
A. The mutual fund calculator offers an investment value at maturity by evaluating the returns according to the investment horizon. You can set different variables of the calculator, like duration, anticipated return rate, frequency, investment amount and more to figure out your benefits.
4. How much can I invest?
A. The amount mainly depends upon your requirements, budget and objectives of the investment. However, keep in mind that you only invest the surplus money, irrespective of the amount.
5. Is there a right time to invest?
A. There is no right time to invest. For better and best returns, it is recommended that you should start investing right away.
6. Do I need a bank account to invest in mutual funds?
A. Yes, it is necessary to have a bank account with KYC/cKYC, aadhaar card and PAN Card to invest in mutual funds.
7. Is it necessary to contact a fund manager?
A. Yes! When investing in mutual funds, experience plays a major role so as to generate good performance. The more the experience, the better will be the possibility of gaining the best returns. Thus, make sure that you get in touch with an experienced fund manager.
8. Can I withdraw my invested money?
A. Most of the schemes in a mutual fund are open-end schemes. This allows you to withdraw the entire invested amount at any point in time. However, there could be a few situations where you may experience restrictions.
9. Would I have to pay any penalty if I withdraw early?
A. If you have invested in open-end schemes, you may not have to pay the penalty. However, some schemes might not be as liquid as the others. So, you will have to re-check this factor before investing.
