#UTI AMC

[dhallblogs]

UTI AMC Collaborates with Salesforce to Enhance Customer Engagement.

Bengaluru: UTI Asset Management Company Limited (UTI AMC) has announced a collaboration with Salesforce to streamline customer engagement and enhance operational efficiency. This partnership aims to transform customer interactions through trust, transparency, and personalized service.

ALSO READ MORE- https://apacnewsnetwork.com/2024/07/uti-amc-collaborates-with-salesforce-to-enhance-customer-engagement/

[sanskriti-2751]

What is Mutual Fund?

A mutual fund is a type of investment vehicle that pools money from multiple investors to invest in a diversified portfolio of securities such as stocks, bonds, and other assets. Investments in securities are spread across a wide cross-section of industries and sectors and thus the risk is reduced.

It is managed by a professional fund manager or an asset management company (AMC) who makes investment decisions on behalf of the investors.

Mutual funds offer good investment opportunities to the investors. Like all investments, they also carry certain risks

SEBI formulates policies and regulates the mutual funds to protect the interest of the investors.

OVERVIEW OF MUTUAL FUNDS INDUSTRY IN INDIA

The mutual fund industry in India was set up through a combination of regulatory changes, legislative reforms and the entry of various market players.

Unit Trust of India- UTI was founded in 1964, which is when the mutual fund sector in India first started to take off. To mobilize public funds and invest them in the capital markets, UTI was established as a statutory body under the UTI Act, 1963. The idea of mutual funds was greatly popularized in India because to UTI.

Regulatory Framework-In India, the mutual fund industry's regulatory structure began to take shape in the 1990s. The Securities and Exchange Board of India (SEBI) Act, which established SEBI as the governing body for the Indian securities markets, was passed in 1993. Among other market intermediaries, SEBI was responsible with regulating and supervising mutual funds.

The SEBI (Mutual Funds) Regulations,1996- This regulation established the legal foundation for the establishment, administration, and operation of mutual funds in India. These regulations outlined the standards for investor protection, investment restrictions, disclosure requirements, and eligibility requirements for asset management companies (AMCs).

Introduction of Private Sector Mutual Funds: UTI was the only active mutual fund provider in India prior to 1993. Private sector mutual funds were nevertheless permitted to enter the market as a result of the liberalization of the financial sector and the opening up of the Indian economy. Many domestic and foreign financial organizations launched their own AMCs and entered the mutual fund industry.

Product Line Evolution: The mutual fund sector in India has grown and increased its product selection throughout the years. Mutual funds initially mainly offered income and growth opportunities. To address various investor needs and risk profiles, the industry did, however, offer a wider range of products, such as equity funds, debt funds, balanced funds, and specialist sector funds.

Investor Education and Awareness: Serious efforts have been made to educate and raise investor awareness in order to encourage investor involvement in mutual funds. Industry groups, AMCs, and SEBI have run investor awareness campaigns, distributed instructional materials, and supported systems for resolving investor complaints. Systematic Investment Plans (SIPs) were introduced, and this was a significant factor in luring individual investors

Technological Advancements-The mutual fund sector in India has embraced technological development, making it possible for investors to access and invest in mutual funds through online platforms and mobile applications. Investors can now transact, track their investments, and get mutual fund information more easily thanks to digital platforms.

The mutual fund industry in India has developed into a strong and regulated sector through regulatory changes, market competition, and investor-centric initiatives. The sector keeps expanding, drawing in more investors and providing them with a wide variety of investment possibilities around the nation.

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[intensifyre]

AMC stocks surge up to 8% as Kotak upgrades HDFC AMC, Nippon Life, UTI AMC, CAMS

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[excellence-12]

Explore Insights from Gatekeepers of Governance 2024

Gatekeepers of Governance 2024, the 9th Annual 2 day Corporate Governance Summit, was held on November 21-22, 2024 at the Trident Hotel, Bandra Kurla Complex, Mumbai. It brought together leaders to address challenges and opportunities in the area of corporate governance. Organized by Excellence Enablers Private Limited, this prestigious event served as a platform to exchange ideas and solutions for fostering robust corporate governance practices. The discussions during the Summit focused on key themes and topics, as outlined below.

The Summit opened with an inaugural session titled “Regulators – Friends, Foes, or Frenemies?” featuring eminent speakers such as Mr. M. Damodaran (Chairperson, Excellence Enablers, Former Chairman, SEBI, UTI and IDBI), Justice P. S. Dinesh Kumar (Presiding Officer, Securities Appellate Tribunal; Former Chief Justice, Karnataka High Court), Mr. M. Nagaraju (Secretary, Department of Financial Services, Ministry of Finance, GOI), Mr. K. Rajaraman (Chairperson, IFSCA; Former Secretary, GOI), and Mr. Ashwani Bhatia (Whole Time Member, SEBI). The discussion was on the relationship between Regulators and businesses, highlighting the dual role that Regulators play in easing business processes, while ensuring compliance. Regulators act as allies by creating fair and transparent frameworks, but are often seen as adversaries due to the perceived burden of compliance costs and stringent norms.

Ultimately, the key to a healthy relationship between Regulators and businesses lies in striking a balance. Regulators must be flexible and adaptive, understanding the challenges and needs of the regulated universe. On the other hand, businesses should engage constructively with Regulators, providing feedback and collaborating on solutions that meet regulatory goals without limiting innovation.

SMEll Tests in Governance

The  panel included Mr. Nilesh Shah (MD, Kotak Mahindra AMC) and Mr. S. Ramann (Deputy Comptroller and Audit General of India; Former CMD, SIDBI; Former MD & CEO, NESL). It delved into the governance challenges faced by SMEs, where disparities in compliance and governance standards are evident. The key takeaways were that governance quality depends on mindset, not size. Regulators should focus on non-compliant entities, thereby allowing compliant SMEs to thrive, while improving overall governance.

Boards – Have They Failed Stakeholders?

Experts like Mr. Mukesh Butani (Founder & Managing Partner, BMR Legal Advocates; Member, Global Supervisory Board, International Fiscal Association), Ms. Pallavi Shroff (Managing Partner, Shardul Amarchand Mangaldas & Co.) and Mr. M. Damodaran  discussed whether Boards have adequately protected stakeholder interests. The discussion focused on the gap between rising expectations and board performance. Boards must act decisively on whistleblower complaints, executive resignations, and other red flags. Effective succession planning, equitable committee workloads, and a focus on stakeholder interests, not just shareholders interest, are critical to meeting their increasing responsibilities.

ESG – Do Good Opportunity or Feel Good Scam?

Panellists Mr. D.P. Singh (Deputy MD & Joint CEO, SBI Funds), Dr. Mukund Rajan (Chairperson, ECube Investment Advisors; Former Chief Ethics Officer & Brand Custodian, Tata Group), and Mr. Vikram Singh Mehta (Distinguished Fellow, Centre for Social and Economic Progress; Former Chairperson, Brookings India; Former CEO, Shell India) addressed the issues in the ESG space. They raised the question whether it drives meaningful change or is merely a tick-box exercise. ESG should be more than just following rules on paper—it needs to create real value by promoting sustainable and responsible business practices. Big companies can handle ESG costs more easily, but for smaller businesses, it can be a strain. So we need to see if it is making a real difference. The related point was while E, S and G were desirable pursuits, clubbing them as ESG did not seem appropriate.

Do Managements Also Run Business?

With perspectives from leaders like Mr. M. Damodaran, Mr. Amish Mehta (MD & CEO, CRISIL) and Mr. Tapan Singhel (MD & CEO, Bajaj Allianz General Insurance Company, GIC), the session delved into whether the heavy compliance burden has diverted managements from their core responsibility i.e. running business. Boards must prioritize strategic discussions, while not ignoring compliance matters in meetings, enabling management to focus on operations. Effective corporate governance should complement, not substitute strategic leadership.

Do Auditors Need Auditing?

With insights from Mr. D. Sundaram (Vice Chairperson & MD, TVS Capital Funds; Former Vice Chairperson, HUL), Mr. Jamil Khatri (Co-Founder & CEO, Uniqus Consultech; Former Head of Audit, KPMG) and Mr. P.R. Ramesh (Former Chairperson, Deloitte India), this discussion explored the growing regulatory scrutiny of auditors, and discussed maintaining their independence and effectiveness. While regulation enhances accountability, care must be taken to avoid excessive prescriptions that might negatively impact audit quality.

Auditing requires oversight due to recent failures and regulatory scrutiny. Self-regulation often falls short, on account of conflict of interests, thus undermining audit quality. Regulatory oversight is crucial for accountability, but Regulators should also play a developmental role, understanding real-world changes and challenges. Successful audits depend on cooperation from all stakeholders, especially management, to ensure the existence of effective controls.

Is Compliance Good Business?

The second day began with a plenary session featuring Mr. M. Damodaran, Mr. Ananth Narayan G. (Whole Time Member, SEBI) and Mr. Ashishkumar Chauhan (MD & CEO, NSE). This plenary session emphasized that compliance is not just about following rules, but embedding integrity and governance into a company’s core. The African proverb, “If you want to walk fast, walk alone; if you want to go far, walk together,” suitably captures the essence of compliance fostering trust, resilience, and long-term value creation.

Compensation – How Much is Too Much?

The session led by Mr. Ajay Bahl (Co-founder & Managing Partner, AZB & Partners), Mr. Sanjeev Aga (Former MD, Aditya Birla Nuvo; Former MD, Idea Cellular) and Mr. Sunil Mehta (Chairperson, IndusInd Bank; CMD, SPM Capital Advisers) examined the balance between fair remuneration and shareholder expectations.

Balancing shareholders’ concerns about excessive compensation with the need for adequate incentives requires a thoughtful approach. Compensation should reflect the market, the company’s size and risk level, and the individual’s responsibility and contribution. The worth of compensation should be tied to the risk, responsibility, and time spent on the role, ensuring it is a fair reward for the value and risks taken on, especially in high-responsibility roles like the Audit Committee for example.

Chairpersons – Biting More Than They Should Chew?

The session featured Mr. Homi R Khusrokhan (Former MD, Tata Chemicals & Tata Tea), Mr. Nawshir Mirza (Former Senior Partner, S. R. Batliboi & Co.) and Mr. M. Damodaran. It discussed whether the hyperactive involvement of some Chairpersons in Boards is affecting the management’s ability to operate efficiently. This raises important questions: Are non-executive Chairpersons overstepping into areas meant for management? How can we define and maintain clear boundaries?

The role of a Chairperson is to facilitate balanced decision-making, not to intrude on management’s operational domain. A good Chairperson fosters collaboration, values diverse perspectives, and ensures all voices are heard, speaking last in order to encourage open dialogue. As the boardroom has shifted focus from shareholder value to stakeholder value, Chairpersons must act as “first among equals,” balancing efficiency with inclusivity, and maintaining clear boundaries between governance and management.

Conclusion

Gatekeepers of Governance 2024 concluded with a call for ongoing improvement in corporate governance practices, to avoid failures and encourage long-term growth. By bringing together different stakeholders, the Summit highlighted ways to improve governance practices, stressing the importance of working together and being flexible to build a stronger and more resilient corporate ecosystem.

You can view the sessions through the following link:

Gatekeepers of Governance 2024, the 9th Annual 2 day Corporate Governance Summit, was held on November 21-22, 2024 at the Trident Hotel, Bandra Kurla Complex, Mumbai. It brought together leaders to address challenges and opportunities in the area of corporate governance. Organized by Excellence Enablers Private Limited, this prestigious event served as a platform to exchange ideas and solutions for fostering robust corporate governance practices. The discussions during the Summit focused on key themes and topics, as outlined below.

The Summit opened with an inaugural session titled “Regulators – Friends, Foes, or Frenemies?” featuring eminent speakers such as Mr. M. Damodaran (Chairperson, Excellence Enablers, Former Chairman, SEBI, UTI and IDBI), Justice P. S. Dinesh Kumar (Presiding Officer, Securities Appellate Tribunal; Former Chief Justice, Karnataka High Court), Mr. M. Nagaraju (Secretary, Department of Financial Services, Ministry of Finance, GOI), Mr. K. Rajaraman (Chairperson, IFSCA; Former Secretary, GOI), and Mr. Ashwani Bhatia (Whole Time Member, SEBI). The discussion was on the relationship between Regulators and businesses, highlighting the dual role that Regulators play in easing business processes, while ensuring compliance. Regulators act as allies by creating fair and transparent frameworks, but are often seen as adversaries due to the perceived burden of compliance costs and stringent norms.

Ultimately, the key to a healthy relationship between Regulators and businesses lies in striking a balance. Regulators must be flexible and adaptive, understanding the challenges and needs of the regulated universe. On the other hand, businesses should engage constructively with Regulators, providing feedback and collaborating on solutions that meet regulatory goals without limiting innovation.

SMEll Tests in Governance

The  panel included Mr. Nilesh Shah (MD, Kotak Mahindra AMC) and Mr. S. Ramann (Deputy Comptroller and Audit General of India; Former CMD, SIDBI; Former MD & CEO, NESL). It delved into the governance challenges faced by SMEs, where disparities in compliance and governance standards are evident. The key takeaways were that governance quality depends on mindset, not size. Regulators should focus on non-compliant entities, thereby allowing compliant SMEs to thrive, while improving overall governance.

Boards – Have They Failed Stakeholders?

Experts like Mr. Mukesh Butani (Founder & Managing Partner, BMR Legal Advocates; Member, Global Supervisory Board, International Fiscal Association), Ms. Pallavi Shroff (Managing Partner, Shardul Amarchand Mangaldas & Co.) and Mr. M. Damodaran  discussed whether Boards have adequately protected stakeholder interests. The discussion focused on the gap between rising expectations and board performance. Boards must act decisively on whistleblower complaints, executive resignations, and other red flags. Effective succession planning, equitable committee workloads, and a focus on stakeholder interests, not just shareholders interest, are critical to meeting their increasing responsibilities.

ESG – Do Good Opportunity or Feel Good Scam?

Panellists Mr. D.P. Singh (Deputy MD & Joint CEO, SBI Funds), Dr. Mukund Rajan (Chairperson, ECube Investment Advisors; Former Chief Ethics Officer & Brand Custodian, Tata Group), and Mr. Vikram Singh Mehta (Distinguished Fellow, Centre for Social and Economic Progress; Former Chairperson, Brookings India; Former CEO, Shell India) addressed the issues in the ESG space. They raised the question whether it drives meaningful change or is merely a tick-box exercise. ESG should be more than just following rules on paper—it needs to create real value by promoting sustainable and responsible business practices. Big companies can handle ESG costs more easily, but for smaller businesses, it can be a strain. So we need to see if it is making a real difference. The related point was while E, S and G were desirable pursuits, clubbing them as ESG did not seem appropriate.

Do Managements Also Run Business?

With perspectives from leaders like Mr. M. Damodaran, Mr. Amish Mehta (MD & CEO, CRISIL) and Mr. Tapan Singhel (MD & CEO, Bajaj Allianz General Insurance Company, GIC), the session delved into whether the heavy compliance burden has diverted managements from their core responsibility i.e. running business. Boards must prioritize strategic discussions, while not ignoring compliance matters in meetings, enabling management to focus on operations. Effective corporate governance should complement, not substitute strategic leadership.

Do Auditors Need Auditing?

With insights from Mr. D. Sundaram (Vice Chairperson & MD, TVS Capital Funds; Former Vice Chairperson, HUL), Mr. Jamil Khatri (Co-Founder & CEO, Uniqus Consultech; Former Head of Audit, KPMG) and Mr. P.R. Ramesh (Former Chairperson, Deloitte India), this discussion explored the growing regulatory scrutiny of auditors, and discussed maintaining their independence and effectiveness. While regulation enhances accountability, care must be taken to avoid excessive prescriptions that might negatively impact audit quality.

Auditing requires oversight due to recent failures and regulatory scrutiny. Self-regulation often falls short, on account of conflict of interests, thus undermining audit quality. Regulatory oversight is crucial for accountability, but Regulators should also play a developmental role, understanding real-world changes and challenges. Successful audits depend on cooperation from all stakeholders, especially management, to ensure the existence of effective controls.

Is Compliance Good Business?

The second day began with a plenary session featuring Mr. M. Damodaran, Mr. Ananth Narayan G. (Whole Time Member, SEBI) and Mr. Ashishkumar Chauhan (MD & CEO, NSE). This plenary session emphasized that compliance is not just about following rules, but embedding integrity and governance into a company’s core. The African proverb, “If you want to walk fast, walk alone; if you want to go far, walk together,” suitably captures the essence of compliance fostering trust, resilience, and long-term value creation.

Compensation – How Much is Too Much?

The session led by Mr. Ajay Bahl (Co-founder & Managing Partner, AZB & Partners), Mr. Sanjeev Aga (Former MD, Aditya Birla Nuvo; Former MD, Idea Cellular) and Mr. Sunil Mehta (Chairperson, IndusInd Bank; CMD, SPM Capital Advisers) examined the balance between fair remuneration and shareholder expectations.

Balancing shareholders’ concerns about excessive compensation with the need for adequate incentives requires a thoughtful approach. Compensation should reflect the market, the company’s size and risk level, and the individual’s responsibility and contribution. The worth of compensation should be tied to the risk, responsibility, and time spent on the role, ensuring it is a fair reward for the value and risks taken on, especially in high-responsibility roles like the Audit Committee for example.

Chairpersons – Biting More Than They Should Chew?

The session featured Mr. Homi R Khusrokhan (Former MD, Tata Chemicals & Tata Tea), Mr. Nawshir Mirza (Former Senior Partner, S. R. Batliboi & Co.) and Mr. M. Damodaran. It discussed whether the hyperactive involvement of some Chairpersons in Boards is affecting the management’s ability to operate efficiently. This raises important questions: Are non-executive Chairpersons overstepping into areas meant for management? How can we define and maintain clear boundaries?

The role of a Chairperson is to facilitate balanced decision-making, not to intrude on management’s operational domain. A good Chairperson fosters collaboration, values diverse perspectives, and ensures all voices are heard, speaking last in order to encourage open dialogue. As the boardroom has shifted focus from shareholder value to stakeholder value, Chairpersons must act as “first among equals,” balancing efficiency with inclusivity, and maintaining clear boundaries between governance and management.

Conclusion

Gatekeepers of Governance 2024 concluded with a call for ongoing improvement in corporate governance practices, to avoid failures and encourage long-term growth. By bringing together different stakeholders, the Summit highlighted ways to improve governance practices, stressing the importance of working together and being flexible to build a stronger and more resilient corporate ecosystem.

You can view the sessions through the following link:

[sonmarie461]

Asset Management Company in India: An Overview

Asset Management Companies (AMCs) play a pivotal role in the financial ecosystem of India. They are responsible for managing pooled funds from investors, utilizing their expertise to invest in various financial instruments like stocks, bonds, and other securities. AMCs provide an avenue for retail and institutional investors to access professionally managed portfolios, aiming to achieve their financial goals.

History and Evolution The concept of asset management in India dates back to the late 1960s with the establishment of Unit Trust of India (UTI) in 1963. This marked the beginning of the mutual fund industry in the country. The liberalization of the Indian economy in the early 1990s led to the entry of private sector AMCs, significantly expanding the market. The Securities and Exchange Board of India (SEBI) has been instrumental in regulating the industry, ensuring transparency and protecting investor interests.

Key Players in the Industry India’s asset management industry is highly competitive, with several players offering a wide range of investment products. Some of the prominent AMCs in India include:

HDFC Asset Management Company: Known for its robust portfolio and consistent performance, HDFC AMC is one of the largest and most trusted names in the industry.

ICICI Prudential Asset Management Company: With a strong focus on innovation and customer-centric solutions, ICICI Prudential AMC has carved a niche for itself.

SBI Funds Management: A joint venture between the State Bank of India and AMUNDI (France), SBI Funds Management offers a diverse range of investment options.

Aditya Birla Sun Life Asset Management: This AMC is known for its expertise in managing both equity and debt funds, catering to a wide spectrum of investors.

Nippon India Mutual Fund: Formerly known as Reliance Mutual Fund, Nippon India Mutual Fund has a significant market presence and a broad product portfolio.

Regulatory Framework

SEBI is the primary regulatory authority overseeing AMCs in India. It ensures that AMCs adhere to stringent compliance norms, safeguarding the interests of investors. The regulatory framework includes guidelines on disclosure, fund management practices, and investor protection measures. Regular audits and inspections by SEBI help maintain the integrity and transparency of the industry.

Products and Services AMCs in India offer a variety of investment products to cater to different investor needs. These include:

Equity Funds: These funds invest primarily in stocks and are suitable for investors seeking long-term capital appreciation.

Debt Funds: These funds invest in fixed-income securities like bonds and government securities, ideal for risk-averse investors.

Hybrid Funds: Combining both equity and debt instruments, these funds offer a balanced approach to investment.

Exchange-Traded Funds (ETFs): These are passive investment funds that replicate the performance of a specific index.

Systematic Investment Plans (SIPs): SIPs allow investors to invest a fixed amount regularly, promoting disciplined saving habits.

Trends and Innovations The Indian asset management industry is witnessing several trends and innovations:

Digital Transformation: AMCs are leveraging technology to enhance customer experience, streamline operations, and offer innovative products.

ESG Investing: Environmental, Social, and Governance (ESG) factors are gaining prominence, with many AMCs incorporating ESG criteria into their investment decisions.

Passive Investing: There is a growing interest in passive investment strategies, such as ETFs and index funds, driven by their cost-effectiveness and simplicity.

Customized Solutions: AMCs are increasingly offering customized portfolio solutions to meet the unique needs of individual and institutional investors.

Challenges and Opportunities The asset management industry in India faces several challenges, including market volatility, regulatory changes, and intense competition. However, the growing awareness about mutual funds, increasing penetration of financial services, and rising disposable incomes present significant opportunities for growth.

Conclusion Asset Management Company in India are crucial to the financial landscape, providing investors with the expertise and resources to navigate complex markets. As the industry continues to evolve, AMCs are poised to play an even more significant role in driving financial inclusion and wealth creation in the country.

[stockmarketanalysis]

Complete Guide to Mutual Funds: How to Invest & Maximize Returns

Mutual funds have become one of the most popular investment options in India, offering diversification, professional management, and ease of investment. Whether you’re a beginner or an experienced investor, understanding mutual funds can help you make informed financial decisions.

This guide covers everything you need to know about mutual funds, including types, benefits, taxation, investment strategies, and expert-recommended funds for 2024.

1. What is a Mutual Fund & How Does it Work?

Definition & Basics

A mutual fund is an investment vehicle that pools money from multiple investors to buy stocks, bonds, or other assets. It is managed by Asset Management Companies (AMCs) and regulated by SEBI (Securities and Exchange Board of India).

How Mutual Funds Work?

Investors contribute money to a fund.

A fund manager invests this money in different assets.

The value of investments determines the Net Asset Value (NAV) of the fund.

Investors earn returns through capital appreciation or dividends.

🔹 Example: Suppose you invest ₹10,000 in Nippon India Small Cap Fund when its NAV is ₹100. You will get 100 units of the fund. If the NAV increases to ₹150, your investment grows to ₹15,000.

2. Different Types of Mutual Funds & Which One is Right for You?

1. Equity Mutual Funds (For High Returns)

Invest primarily in stocks.

Suitable for long-term wealth creation.

High risk, but historically offer better returns than fixed deposits.

📌 Example: SBI Small Cap Fund delivered 29.8% CAGR returns in the last 5 years (as of 2024).

2. Debt Mutual Funds (For Low-Risk Investors)

Invest in government bonds, corporate debt, and money market instruments.

Ideal for stable returns and lower risk.

📌 Example: HDFC Short Term Debt Fund is a low-risk option with 7% average returns.

3. Hybrid Funds (Balanced Investment Approach)

Invest in both equity & debt.

Lower risk than equity funds but higher potential returns than debt funds.

📌 Example: ICICI Prudential Balanced Advantage Fund has performed well in volatile markets.

4. Index Funds & ETFs (Passive Investing)

Track market indices like NIFTY 50 or SENSEX.

Low-cost alternative to actively managed funds.

📌 Example: UTI Nifty 50 Index Fund mirrors the NIFTY 50 Index performance.

5. ELSS Funds (Tax-Saving Investment)

Equity Linked Savings Schemes (ELSS) offer tax benefits under Section 80C.

Have a 3-year lock-in period and offer higher returns than PPF or FDs.

📌 Example: Mirae Asset Tax Saver Fund gave 23% CAGR returns in the last 5 years.

3. SIP vs Lumpsum: Which Investment Strategy is Better?

Systematic Investment Plan (SIP)

Invests a fixed amount every month.

Takes advantage of rupee cost averaging.

Suitable for volatile markets.

📌 Example: If you invested ₹10,000 per month in Nippon India Growth Fund via SIP since 2010, your investment would have grown to over ₹50 lakh by 2024!

Lumpsum Investment

Suitable for investors with a large amount of capital.

Works best during market dips.

📌 Example: If you had invested ₹1 lakh in HDFC Mid Cap Opportunities Fund in 2015, it would have grown to ₹5.2 lakh by 2024.

💡 Expert Tip: SIP is ideal for beginners, while lumpsum works well when markets are down.

4. Key Factors to Consider Before Investing in Mutual Funds

1. Risk Appetite

Equity funds are riskier but offer high returns.

Debt funds are safer but provide lower returns.

2. Fund Performance & Expense Ratio

Check historical returns over 5-10 years.

Lower expense ratio = higher returns for investors.

3. Fund Manager & AMC Reputation

Choose fund houses with a proven track record, such as HDFC Mutual Fund, ICICI Prudential, or SBI Mutual Fund.

4. Taxation & Exit Load

Long-term equity mutual funds (>1 year) have 10% tax on capital gains above ₹1 lakh.

Short-term gains (<1 year) are taxed at 15%.

Debt funds are taxed based on your income slab.

5. How to Start Investing in Mutual Funds in India? (Step-by-Step Guide)

Step 1: Complete KYC (Know Your Customer)

Register with SEBI-registered platforms like Zerodha, Groww, or Coin.

Step 2: Choose a Mutual Fund

Use charting tools like Strike.money to analyze past performance.

Step 3: Decide Between SIP or Lumpsum

SIP for consistent investment.

Lumpsum for market corrections.

Step 4: Invest & Track Performance

Regularly monitor your portfolio using Strike.money.

6. Best Mutual Funds to Invest in 2025

Top Performing Equity Mutual Funds

Best Debt Mutual Funds

7. Common Mistakes to Avoid While Investing in Mutual Funds

🚫 Chasing High Returns – Past performance does not guarantee future results. 🚫 Ignoring Fund Costs – High expense ratios reduce your profits. 🚫 Investing Without a Goal – Always align investments with financial goals. 🚫 Not Reviewing the Portfolio – Regularly track and rebalance your portfolio.

8. Mutual Funds vs Other Investment Options: Which is Better?

9. Future of Mutual Funds: Trends & Innovations

📌 Rise of AI & Robo-Advisors – Automated investing tools using AI for better fund selection. 📌 Growth of ESG Funds – Sustainable investing in Environmental, Social, and Governance (ESG) funds. 📌 Increase in Passive Investing – More investors opting for index funds & ETFs.

Conclusion: Should You Invest in Mutual Funds?

✅ Mutual funds are ideal for wealth creation and long-term financial growth. ✅ SIP is the best way to invest regularly and manage risk. ✅ Use tools like Strike.money to analyze funds and track performance.

Start investing today and secure your financial future! 🚀

[ritikakukreti]

Guiding Financial Trajectories: Your Journey to Becoming a Top-Tier Portfolio Manager with IMT Ghaziabad

Introduction:

The world of finance is intricate and ever-evolving, with Portfolio Managers at its core, navigating the turbulent waters of investments, ensuring optimal returns, and cultivating trust. Are you fueled by the aspiration to be one such financial maestro? Dive in to discover how IMT Ghaziabad can be your compass to becoming a distinguished Portfolio Manager.

The Lure of IMT Ghaziabad:

Why should a budding Portfolio Manager consider IMT Ghaziabad?

Robust Curriculum: Tailored courses that delve deep into financial markets, strategies, and risk management.

Expert Faculties: With seasoned professionals sharing real-world insights, you're in for more than just textbook knowledge.

Vast Alumni Network: Connecting with IMT Ghaziabad alumni can open doors to invaluable mentorship and opportunities.

In essence, IMT Ghaziabad equips you with a holistic understanding of the finance world, ensuring you're several steps ahead in the game.

Venturing into Varied Industries:

A Portfolio Manager's role isn't restricted; it spans a plethora of sectors:

Banking: Managing assets for banking institutions.

Asset Management Firms: Overseeing mutual funds or pension plans.

Hedge Funds: Handling large investment pools with aggressive strategies.

Insurance Companies: Ensuring optimal allocation of premiums.

Private Equity Firms: Managing direct investments in private companies.

Regardless of the domain, your primary goal remains consistent: maximizing returns while hedging risks.

Navigating Challenges:

The path, while promising, has its set of challenges:

Evolving Markets: Adapting strategies to fluctuating markets.

Risk Management: Mitigating potential losses while chasing returns.

Client Expectations: Balancing client goals with market realities.

Yet, with IMT Ghaziabad's comprehensive training, these challenges transform into opportunities for growth and learning.

Top Employers in India:

For aspirants aiming to join India's financial elite, here are the top companies recruiting Portfolio Managers:

HDFC Asset Management

ICICI Prudential Asset Management

SBI Funds Management

Aditya Birla Sun Life AMC

Kotak Mahindra Asset Management

Axis Asset Management

Reliance Nippon Life Asset Management

UTI Asset Management

Tata Asset Management

Franklin Templeton Asset Management

Reflecting on the IMT Ghaziabad Influence:

Choosing IMT Ghaziabad isn't just about a prestigious tag. It's about embracing a transformative journey that fine-tunes your financial acumen and shapes you into a visionary Portfolio Manager. This institution's reputation coupled with its holistic approach ensures that your entry into the finance sector is not just impactful but pioneering.

Let ShikshaGurus help you find the right university for you

ShikshaGurus is an AI enabled platform that helps students compare Universities and Colleges based on the courses they offer. You can find the best universities offering MBA in Marketing

Conclusion:

In the labyrinth of financial markets, a Portfolio Manager's role is both challenging and rewarding. As you steer investments, balancing risks and rewards, IMT Ghaziabad stands as your steadfast partner, enriching you with knowledge, insights, and the confidence to make waves in the finance world. If you're fueled by a passion for finance and are seeking an institution that shares your ambition, let your journey commence with IMT Ghaziabad. Your portfolio of successes awaits!

[blogynews]

"Revolutionizing the Financial Landscape: UTI AMC Welcomes Anurag Mittal as the Mastermind Behind Their Game-Changing Fixed Income Strategies"

UTI Asset Management Company Limited (UTI AMC) has announced the appointment of Anurag Mittal as the Head of Fixed Income, effective from October 1, 2023. Anurag joined UTI AMC in 2021 as the Deputy Head of Fixed Income and has been overseeing the management of important funds for the company. Speaking about the promotion, Imtaiyazur Rahman, the Managing Director & CEO of UTI AMC, expressed his…

[blogynewz]

"Revolutionizing the Financial Landscape: UTI AMC Welcomes Anurag Mittal as the Mastermind Behind Their Game-Changing Fixed Income Strategies"

UTI Asset Management Company Limited (UTI AMC) has announced the appointment of Anurag Mittal as the Head of Fixed Income, effective from October 1, 2023. Anurag joined UTI AMC in 2021 as the Deputy Head of Fixed Income and has been overseeing the management of important funds for the company. Speaking about the promotion, Imtaiyazur Rahman, the Managing Director & CEO of UTI AMC, expressed his…

[blogynewsz]

"Revolutionizing the Financial Landscape: UTI AMC Welcomes Anurag Mittal as the Mastermind Behind Their Game-Changing Fixed Income Strategies"

UTI Asset Management Company Limited (UTI AMC) has announced the appointment of Anurag Mittal as the Head of Fixed Income, effective from October 1, 2023. Anurag joined UTI AMC in 2021 as the Deputy Head of Fixed Income and has been overseeing the management of important funds for the company. Speaking about the promotion, Imtaiyazur Rahman, the Managing Director & CEO of UTI AMC, expressed his…

[investyadnya]

UTI AMC reported strong 67% YoY growth in Profit After Tax | Q2 FY22 Results Analysis

UTI AMC reported strong 67% YoY growth in Profit After Tax | Q2 FY22 Results Analysis

Q1 FY22 Financial Highlights Profit After Tax increased by 67% from Rs.119 Cr in Q2 FY21 to Rs.199 Cr in Q2 FY22, up 28% QoQProfit Before Tax increased by 53% from Rs.147 Cr in Q2 FY21 to Rs.225 Cr in Q2 FY22, up 18% QoQRevenue from operations grew by 38% to Rs.380 Cr in Q2 FY21, which include sale of services Rs.280 Cr, up 41% YoY. Operating Profit margin stands at 62% compared to 58% in last…

[hummingzone]

Improved earnings to lift Sensex, Nifty higher; private banks, IT space attractive for investors

Banking and NBFC space, earrings performance for many players has been lacking in the last couple of year due to provisioning requirements. (Image: REUTERS) Sensex and Nifty have scaled fresh highs and since then seen some minor corrections. The rally in stock markets is despite the suppressed earnings for the last couple of year and especially amid the pandemic. As the economy picks up, earnings…

[vilaspatelvlogs]

म्यूचुअल फंड इंडस्ट्री का चौथा आईपीओ: SBI म्यूचुअल फंड IPO लाने की तैयारी में, जुटाएगा 7,500 करोड़ रुपए

म्यूचुअल फंड इंडस्ट्री का चौथा आईपीओ: SBI म्यूचुअल फंड IPO लाने की तैयारी में, जुटाएगा 7,500 करोड़ रुपए

Ads से है परेशान? बिना Ads खबरों के लिए इनस्टॉल करें दैनिक भास्कर ऐप मुंबई5 घंटे पहले कॉपी लिंक सबसे पहले निप्पोन म्यूचुअल फंड ने आईपीओ लाया था एसबीआई फंड का वैल्यूएशन 52 हजार करोड़ रुपए के करीब है भारतीय स्टेट बैंक (SBI) की म्यूचुअल फंड कंपनी एसबीआई म्यूचुअल फंड IPO की तैयारी कर रही है। इसके जरिए कंपनी 7,500 करोड़ रुपए जुटा सकती है। म्यूचुअल फंड इंडस्ट्री में यह सबसे बड़ा IPO होगा। सबसे बड़ा फंड…

[wowhealthfitness20]

market outlook: Market likely to continue on a zigzag course till the yearend

market outlook: Market likely to continue on a zigzag course till the yearend

The domestic equity market corrected sharply midway through the week gone by on renewed fear of a spike in Covid-19 cases and fresh restrictions in some of the advanced countries.

With the US Election Day just three weeks away, global markets have also slipped into a wait-and-watch mode. Both political parties in the US have substantive but diametrically opposite ideologies and policies to run…