Invest in New Fund Offers (NFO) with PCJ

A New Fund Offer is the first subscription window of a new mutual fund scheme, usually at a fixed offer price before regular trading begins.

Not necessarily — evaluate the scheme’s strategy, costs and fit with your goals, just like any mutual fund.

Browse open NFOs in the PCJ Invest app, review the scheme and invest during the offer window.

No. An IPO lists a company's shares; an NFO launches a new mutual fund scheme at a fixed offer price.

You subscribe during the offer window; you can redeem later per the scheme type — open-ended anytime at NAV, closed-ended per its terms.

No — the NAV level alone does not indicate value. Evaluate the strategy, costs and fit instead.

A SIP, or Systematic Investment Plan, invests a fixed amount into a mutual fund every month automatically. Because you invest the same amount at different prices, you naturally buy more units when markets are cheap and fewer when they are expensive — this is called rupee-cost averaging. Over the years, SIPs turn small monthly savings into meaningful wealth through compounding.

Yes. SIPs are completely flexible — you can pause, stop, increase or decrease them without penalty. An SIP is not a lock-in (except tax-saving ELSS funds, which have a three-year lock-in per instalment). That said, SIPs work best when you let them run through market ups and downs.

Mutual funds are regulated by SEBI and your units are held in your name with the fund's registrar. 'Safe' depends on the type of fund: liquid and debt funds are steadier, while equity funds move with the market and are meant for long horizons. Mutual fund investments are subject to market risks — always read the scheme documents, and match the fund to your goal and time frame.

NAV is the per-unit price of a mutual fund, declared daily. A ₹10 NAV fund is not cheaper or better than a ₹100 NAV fund — your returns depend only on how much the fund's portfolio grows after you invest, not on the NAV number itself. Choose funds by strategy, quality and track record, not NAV.

PCJ Holdings is an AMFI-registered mutual fund distributor (ARN-63632). We help you choose schemes, set up SIPs and track everything in the PCJ Wealth app, with a Relationship Manager to guide you. The funds themselves are managed by SEBI-regulated asset management companies, and your units are always in your name.

A fund's advertised return assumes one lump-sum investment, but your SIP invests every month, so each instalment has a different journey. XIRR is the correct measure for SIPs — it accounts for the timing of every payment. The PCJ Wealth app shows your XIRR so you always see your true personal return.

Yes. PCJ Holdings is a SEBI-registered stock broker and a depository participant with NSDL, and a member of NSE, BSE and MCX since 2006. Your shares are not held by us — they sit in your own demat account with the depository (NSDL) in your name. Your funds are kept in client bank accounts that are separate from the company's own money, as SEBI rules require. Exchanges also run regular inspections of every member broker.

Your shares always remain in your own demat account at the depository, in your name — a broker cannot spend or lose them. Even in the unlikely event of a broker shutting down, your holdings stay with NSDL and can be moved to any other depository participant. This separation of assets is exactly why SEBI created the depository system.

DDPI stands for Demat Debit and Pledge Instruction. It is a limited authorisation that lets the broker debit shares from your demat account only when you actually sell them, or pledge them for margin if you choose. Unlike the old blanket Power of Attorney, it cannot be used for anything else. SEBI introduced DDPI to make investing safer, and PCJ follows this framework.

Never share your login password, OTP or UPI PIN with anyone — PCJ will never ask for them. Trade only through our official apps and website, and double-check any message that claims to be from PCJ; we communicate only through our official numbers and email IDs. Update your mobile number and email with us so you receive alerts for every transaction directly from the exchange and depository.