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Discover how RazorpayX Corporate Cards empower businesses with high credit limits, no collateral requirements, and seamless expense management. Ideal for startups and enterprises aiming for streamlined financial operations.

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Learn how to instantly issue virtual corporate cards with RazorpayX, set spend limits, and secure transactions—all within minutes. Perfect for remote teams and modern businesses.

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Watch this RazorpayX Corporate Cards demo to see real-time expense tracking, automated reconciliation, and multi-level approvals in action—streamline your business spending today!

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Explore how RazorpayX Corporate Cards are tailored to meet the unique needs of small and medium-sized enterprises (SMEs). This video delves into the card's benefits, such as enhanced cash flow management, zero personal liability, and seamless integration with existing financial systems. See how SMEs can leverage these features to drive growth and efficiency in their operations.

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Discover how RazorpayX Corporate Cards are revolutionizing business expense management. This video showcases the card's features, including real-time tracking, automated reporting, and flexible credit limits, designed to streamline financial operations for businesses of all sizes. Learn how to optimize your company's cash flow and gain better control over expenditures with RazorpayX Corporate Cards.

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Unlock financial flexibility with RazorpayX Corporate Cards. Enjoy higher credit limits, zero collateral requirements, and exclusive rewards tailored for businesses. Apply online today and streamline your expenses with ease.

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Discover the smart features that empower businesses to manage expenses effortlessly using RazorpayX Corporate Cards. From enhanced security and vendor payment automation to seamless integration with accounting systems, this video demonstrates how our solution can drive better financial control. For more details, visit razorpay.com/x/corporate-cards.

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RazorpayX Corporate Cards: Revolutionizing Corporate Expense Management

Watch how RazorpayX Corporate Cards are transforming the way businesses manage expenses. Know the benefits of real‑time tracking, automated reporting, and customizable spending limits that help improve cash flow and streamline financial operations. Learn more about our innovative corporate card solution at.

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RazorpayX Corporate Card is a type of credit card specifically designed for businesses. It enhances a company’s purchasing power and improves its cash flow by offering short-term credit.

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Razorpay Payment Links is the best way to empower your telesales team to facilitate faster payments and turn cart abandonments into a non-issue. A Payment Link can be created from the Razorpay Dashboard and shared instantly via SMS, email, WhatsApp or chatbots.

Customers can use this Payment Link to make payments using different payment modes like debit card, credit card, wallets, UPI and netbanking.

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You can now carry out online payments without leaving the merchant’s site and without any unnecessary redirections. To provide safe and successful online purchases, Razorpay uses multiple payment gateways for timely purchases, and helps you prevent the loss of shopping cart details!

You are promised a hassle-free onboarding experience, and once your website gets integrated with Razorpay, it allows you to manage your transactions more efficiently and ensures simplicity on every occasion.

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Razorpay Payment Links is the easiest way to accept payments without a website or an app.

A Payment Link can be created from the Razorpay Dashboard and shared instantly via SMS, email, WhatsApp, or chatbots.

Customers can use this Payment Link to make payments using different payment modes like debit cards, credit cards, wallets, UPI, and net banking.

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We have evolved from being a pure payment gateway to a converged payments solution, tackling the entire journey of payments and enabling businesses to have complete control over an automated flow of money.

With Razorpay’s end-to-end solution, you can now accept payments from customers, generate payouts to vendors or employees, automate FD & RTGS reconciliations, and schedule recurring payments to name a few.

What’s more? We make the collection of payments convenient by offering your customers the luxury of all payment modes including credit/debit cards, net banking, UPI, and wallets. With instant activation and easy integration, our API-driven automation is ready to elevate your business and help you outgrow the ordinary!

The Future of Payments is here!

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6 Important Ways To Measure Risk in Mutual Funds

Mutual funds are marketable securities and like any other investment options, different mutual fund types come with different risks, including volatility, liquidity, and interest rate risks. While these risks are unavoidable, you can still check whether a mutual fund is able to deliver superior performance when compared to the risk involved. Here are some key mutual fund risk measures that you can check to see how risky the fund is and how fruitful your investment will be.

6 Important Ratios To Measure Risk in Mutual Funds

Beta Coefficient

The beta coefficient is a risk measure that estimates the volatility of a mutual fund against its benchmark. Hence, beta in a mutual fund measures the relative risk and not the actual risk involved. The beta value ranges from zero to infinity. If the beta in a mutual fund is one, it means the risk in a mutual fund will move in tandem with the benchmark. If it is below one and above zero, it means the risk involved is lesser than the benchmark, whereas if beta is above 1, it means the risk involved is higher than the benchmark.

Alpha

Alpha, although it isn't a risk measure, is used along with beta to measure the mutual fund's performance against its benchmark. A positive alpha in a mutual fund indicates that the fund has delivered superior performance in comparison to its benchmark. It indicates the fund manager's ability to deliver superior returns. In contrast, a negative alpha in a mutual fund indicates the fund's returns are lower than its benchmark, indicating that the fund manager isn't capable of delivering high returns. It is important to note that alpha is calculated based on historical data and doesn't guarantee future performance.

R-Squared

R-squared, a popular statistical ratio that measures correlation, is also one of the most useful mutual fund ratios that measure risk. It measures the percentage of mutual fund portfolio movements that can be explained by benchmark index movements. The value of the R-squared ranges from 0-100, and if the R-squared is between 70-100, it means there is a good correlation between the mutual fund and the benchmark. If the value of R-squared is between 40 and 70, it has an average correlation, and if it's below 40, it has a low correlation. R-squared is very useful in fund selection. For example, if the R-squared of a mutual fund is high, it means it’s performance is similar to that of an index fund, and hence, it is better to choose an index fund over this mutual fund as the expenses will be less.

Standard Deviation

Standard deviation is a popular statistical ratio that measures the volatility or deviation of a mutual fund's return from its average return. A high standard deviation indicates the fund's returns fluctuate a lot with a wider gap from the average. This indicates there are periods where the fund gave higher profits but also significant losses to the investors. On the other hand, a high standard deviation indicates that the returns are closer to the average return of the fund and have lower volatility. Usually, people who are risk averse can prefer funds with low standard deviation, and people who have high-risk tolerance can prefer funds with high standard deviation.

Sharpe Ratio

Sharpe ratio measures the risk-adjusted returns of an investment. It uses the standard deviation of a fund to calculate how well the fund has performed above the risk-free return, such as return from government securities. A high Sharpe ratio of a mutual fund indicates better risk-adjusted returns, indicating investors are compensated well for the risk taken. The high Sharpe ratio also indicates that the fund's returns are due to wise investment decisions rather than excessive risk taken. A low ratio, on the other hand, indicates that the fund doesn't compensate well for the risk undertaken by the investor. 

Sortino Ratio

The Sortino ratio is similar to the Sharpe ratio. However, it primarily focuses on the downside risk in a mutual fund. In other words, it measures the risk-adjusted returns using a negative standard deviation. The Sortino ratio is a better measure of risk as it tells how much risk is involved in a mutual fund. Sharpe ratio also takes into consideration the positive volatility, which can boost the returns of a fund. However, the Sortino ratio measures the risk-adjusted returns solely through the negative volatility. A high Sortino ratio in a mutual fund indicates the lesser impact of downside deviation on the returns.  

Conclusion

There are several mutual funds available in the market, making the selection slightly tricky. Hence, you can use these risk assessment ratios to filter out the funds that best suits your mutual fund portfolio. If you are a risk-averse investor, you may prefer funds with low beta, low standard deviation and high Sortino ratio. In contrast, if you have high-risk tolerance levels, then you may choose funds with high alpha and Sharpe ratio.

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Join Vikram Masand in the upcoming session of Edelweiss Klassroom Konnect to learn the ins and outs of passive investing.

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In this episode of Edelweiss Klassroom Konnect, Vikram Masand, Head- Learning & Development, Edelweiss AMC guides us steps to successful asset allocation.

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Join Radhika Gupta, the dynamic MD & CEO Of Edelweiss mutual fund, as she explains all about Long Term Investing in ETF vs Index Funds - investing strategies, Pros and Cons.