Mutual Funds & SIP basics
Understand how mutual funds and SIPs work, the main fund types and their risks – before you invest.
Thoda-thoda invest, lambe samay ke liye.
AMFI-registered Mutual Fund Distributor: Dinesh Kotadiya (Kotadiya Enterprise) · ARN-307238. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Why Mutual Fund?
Money from many investors, managed by a professional fund manager. Each scheme has its own risk level shown on its riskometer.
Equity funds
Invest in shares – long term, higher ups and downs.
Debt funds
Bonds – usually steadier, not risk-free.
Hybrid funds
Mix of equity and debt.
ELSS (tax saving)
Tax benefit with lock-in; rules may change.
Index funds
Follow a market index.
Liquid funds
For short-term parking of money.
What you need
- KYC done (PAN, Aadhaar)
- Bank account in your name
- Clear goal & time horizon
- Know your risk comfort
General guide only. Each AMC sets its own rules; meeting them does not guarantee approval.
Documents
- PAN
- Aadhaar / address proof
- Bank details / cheque
- Photo & signature
The AMC may ask for more.
Costs to know
Mentioned in each scheme’s documents:
| Charge | What it means |
|---|---|
| Expense ratio | Yearly fund cost, deducted from NAV. |
| Exit load | If you redeem before a set period. |
| Direct vs Regular | Regular plans include distributor commission. |
| Tax | Capital gains tax on redemption; rules may change. |
How to apply
- UnderstandRead this page and check your needs.
- PrepareKeep documents ready.
- ChooseSelf-apply or take our paid help.
- Lender decidesApproval and terms are the lender’s call.
How we help with Mutual Funds
Free services from an AMFI-registered Mutual Fund Distributor.
Help to start Mutual Fund
- KYC and account setup guidance
- Understand SIP vs lump sum
- Choose schemes as per your goal & risk (distributor services)
Portfolio Review
- Share your CAS statement
- See fund categories, overlap & costs
- Understand your portfolio’s risk level
Know before you invest
SIP
Invest a fixed amount every month.
Lump sum
Invest a larger amount at once.
Riskometer
Every scheme shows its risk level.
SID / KIM
Scheme documents with all details.
Expense ratio
Yearly cost of running the fund.
Lock-in
ELSS has a 3-year lock-in.
Self-apply with a partner
Partner links appear here only where we have a written referral agreement. You will leave our website and the AMC’s terms apply.
Apply online with our partner
Opens the partner’s website in a new tab.
Apply on partner site ↗You will leave our website. We may receive referral compensation. Final decision is the lender’s.Ask us on WhatsApp for current Mutual Fund partner options – we share only up-to-date, authorised links.
Questions about Mutual Fund?
Message us on WhatsApp – we explain in simple language. Aapki bhasha mein baat karte hain.
- WhatsApp: +91 73835 26761
- Call: +91 73835 26761
- loanhub61@gmail.com
- Mon–Sat, 10:00 AM – 5:00 PM (closed on national holidays)
- We never ask for OTP, PIN or passwords
FAQs
Are returns guaranteed?
No. Values go up and down with the market. Past performance is not a guarantee.
What is the minimum SIP?
It differs by scheme – see the scheme documents.
Can I withdraw anytime?
In most open-ended schemes yes, subject to exit load and tax. ELSS has a lock-in.
How do you earn?
We earn distributor commission from AMCs on regular plans. We tell you upfront.
Will you ask for my OTP or password?
Never. Do not share OTP, PIN, password or CVV with anyone, even if they use our name.
Mutual Fund: Dinesh Kotadiya (Kotadiya Enterprise) is an AMFI-registered Mutual Fund Distributor (ARN-307238). We are a distributor, not a SEBI-registered Investment Adviser, and do not provide investment advice. Mutual fund schemes are managed by their respective AMCs. We may receive commission from AMCs on regular plans. Returns are not guaranteed and past performance may not be sustained in future. Please read the scheme information document (SID/KIM) before investing.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Disclaimer: We are an independent loan advisory and assistance service provider, not a bank or NBFC. Loan approval and disbursement are subject to the respective lender’s eligibility criteria, credit assessment and internal policies. We do not guarantee loan approval. *T&C Apply.
Consultation charges apply only if you choose our optional paid consultation. Fees are for consulting and assistance services, not a guarantee of approval. We may receive referral compensation from partners when you apply through our links.