What to look for
- Investment objective & category — what the fund is trying to do (large-cap, flexi-cap, debt, hybrid). The category sets your expectations for risk and behaviour.
- Portfolio holdings & allocation — the top stocks/sectors or debt quality. It tells you what you actually own.
- Expense ratio — the annual cost of running the fund, deducted from returns. Regular plans include distributor commission; direct plans don't.
- Riskometer — a gauge from Low to Very High. Make sure it matches your comfort.
- AUM & fund manager — the fund's size and who runs it.
- Benchmark & past performance — how it's done versus its yardstick. Past performance doesn't guarantee future results.
The two-minute habit
Before investing — and once in a while afterwards — spend two minutes on the factsheet. It keeps you invested in something you understand, which makes it far easier to stay the course when markets wobble.
FAQs
It's the annual cost of running the fund, expressed as a percentage and deducted from returns. Regular plans include distributor commission within it; direct plans do not.
The Riskometer is a standardised gauge (from Low to Very High) that indicates the risk level of a scheme, helping you check it against your own comfort with risk.
No. Past performance is only a record of what happened; it does not guarantee future results. Read all scheme documents before investing.
Educational content for general awareness only — not investment, trading or tax advice. Investments in securities market are subject to market risks; read all related documents carefully. Rules and rates are indicative for FY 2025-26 and may change. Mutual funds are distributed by PCJ as regular plans (AMFI-registered distributor, ARN-63632); direct plans are available to investors without a distributor.