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Investment & Protection Solutions
Explore solutions that may fit different goals, risk profiles and investment horizons. Every product has a role — and limits. Choose a product to see an honest view of both.
Mutual Funds
Professionally managed, diversified investing for most long-term goals.
View detailsSIF
A SEBI-regulated category between mutual funds and PMS, for eligible investors.
View detailsETFs
Low-cost, exchange-traded exposure to an index, sector or asset.
View detailsPMS
A personalised, professionally managed portfolio held in your own name. Minimum investment: ₹50 lakh.
View detailsLoan Against Mutual Funds
Access liquidity without selling long-term investments.
View detailsInsurance
Protection first — so one event doesn't undo years of planning.
View detailsImportant: The information on these pages is educational and general in nature. It is not a recommendation to buy or sell any product. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.
How the investment options compare
A side-by-side view of the main investment vehicles. Rules and thresholds can change, so we confirm the current position before any decision.
| Mutual Funds | ETFs | SIF | PMS | |
|---|---|---|---|---|
| Regulated by | SEBI | SEBI | SEBI | SEBI |
| Minimum investment | Low — SIPs can start small | Price of one unit | ₹10 lakh (across SIF strategies of a fund house)* | ₹50 lakh* |
| Where you hold it | Units with the fund house | Demat account | Units with the fund house | Securities in your own demat |
| Strategy flexibility | Defined by SEBI category rules | Tracks an index or asset | Wider, incl. limited short exposure | High — concentrated portfolios |
| Costs | Expense ratio | Low expense ratio + brokerage | Expense ratio | Management fee, may include performance fee |
| Typically suits | Most investors and goals | Low-cost core exposure | Experienced, larger portfolios | High-net-worth investors |
*As per current SEBI rules, with certain exceptions (for example, accredited investors). Subject to change.
How we help you choose
- Start with the goalWhat is the money for, and when will you need it? The answer narrows the options quickly.
- Check your risk capacityNot just how you feel about risk, but how much loss your finances can actually absorb.
- Match the structureCosts, liquidity, tax treatment, minimums and how you'll hold the investment.
- Keep it simpleAdd complexity — like SIF or PMS — only when it serves a clear purpose.
Before choosing any product
- Emergency fund in place
- Adequate term and health insurance
- High-cost debt under control
- Goals written down with timelines
These foundations usually matter more than which fund you pick.
Frequently asked questions
Which product is best?
There is no single best product. The right choice depends on your goal, time horizon, risk capacity and the size of your portfolio. For most investors, mutual funds form the core; other products play specific roles.
Is SIF better than a mutual fund?
Not necessarily. SIFs allow different strategies and have higher minimums. They may suit experienced investors with larger portfolios, but they are not a replacement for a well-built mutual fund portfolio.
Should I mix insurance and investment?
We generally suggest keeping them separate: term insurance for protection and suitable investments for growth. This makes each easier to evaluate on cost and value.
Can I invest if I live outside India?
Yes, NRIs can invest in many Indian products, subject to KYC and FEMA rules. Some fund houses restrict investors resident in certain countries, such as the US and Canada, so we check this first.
Ready to take the next step?
Let's talk about your financial goals.