Mutual funds are relatively safe but not completely risk-free investments. Primary risks include market volatility, sector-specific exposure, inflationary pressures, liquidity constraints, interest rate shifts, and credit default possibilities.
Diversifying investments across sectors and asset classes, consulting SEBI-registered advisors, and strategically reallocating funds as goals evolve can reduce portfolio risks.
A lock-in period restricts withdrawals for a specific duration. Equity-Linked Savings Schemes (ELSS) require a legally mandated three-year holding period to qualify for tax deductions under Section 80C of the Income Tax Act. Closed-ended funds lock investments until maturity. Lock-ins ensure disciplined investing and tax compliance, while exit loads protect against short-term volatility. Always review fund details, as lock-ins impact liquidity and tax treatment (short-term vs. long-term capital gains).
To redeem mutual funds, log in to your Asset Management Company (AMC) portal if invested directly (via SIP or lump sum). Select the fund, choose partial/full redemption, and submit the form—proceeds will reflect in your bank account within days. If holding units in a Demat/trading account, redeem by submitting a withdrawal request through your account interface. Funds are typically transferred after processing, adhering to the chosen platform’s timelines.
Mutual fund selection is based on several parameters. Investment decisions should prioritise aligning return goals, risk capacity, and time frames to ensure strategy coherence. There are different parameters to consider for fund selection, including expense ratio, past performance, fund manager experience, liquidity and assets under management.
In our continued commitment to support the educational aspirations of bright, deserving students from economically weaker backgrounds, The Muthoot Group proudly handed over cheques under the Muthoot M. George Higher Education Scholarship Scheme.
The cheques were presented by Shri Alexander George Muthoot, Joint Managing Director, The Muthoot Group , at our Corporate Office (North), in the presence of other senior officials.
Congratulations to our scholarship recipients!
Yes. Here’s a clear breakdown of the differences between ELSS, Mutual Funds, and Index Funds:
ELSS (Equity Linked Savings Scheme)
Mutual Funds
