Topic
Mutual funds in India, regulated by SEBI: schemes, costs, taxation and rule changes for investors.
183 storiesLatest 14 Oct 2026, 18:32 IST
Investing/
AMFI's September 2025 data shows debt funds losing Rs 1,01,977 crore to advance-tax withdrawals while passive funds drew Rs 19,057 crore. Index fund vs debt fund, compared on tax and goal.
Investing
SEBI's 27 February 2025 circular forces AMCs to deploy NFO money within 30 business days. We set a post-rule New Fund Offer against an existing scheme on deployment risk, tax and investor goals.
Investing
ELSS vs PPF for Section 80C: how ELSS's 3-year lock-in guarantees LTCG treatment, pairing a Rs 1.5 lakh deduction with the Rs 1.25 lakh LTCG exemption and a 12.5% cap.
Investing
SEBI's 5 October 2020 risk-o-meter circular put six risk bands on every mutual fund and made them recalculate monthly. Liquid fund vs small-cap fund, how the dial moves, and the tax that ignores it.
Markets
SEBI's 215th Board meeting cleared the Portfolio Managers Regulations, 2026 on 24 September, letting PMS firms buy IPOs, allot 10% to unlisted debt and route client money into mutual fund direct plans via PRIM.
Markets
AMFI's August 2026 note shows SIF assets up 34.5% to Rs 31,175 crore on Rs 7,699 crore of inflow, gold ETFs up 10.3% and hybrid funds up 1.6% to Rs 11.86 lakh crore.
Investing
SEBI's 31 August 2021 circular made fund houses show the benchmark's risk-o-meter beside the scheme's. Here is how to read the gap to spot hidden fund risk, and how the resulting gains are taxed.
Retirement
NPS Tier-II is the liquid, no-lock-in sibling of your pension account. How its withdrawals, slab-rate tax and costs compare with a debt fund for a retirement drawdown bridge.
Investing
Equity funds bought before 1 February 2018 get a grandfathered cost base set to the 31 Jan 2018 FMV. Here is the worked arithmetic, the 12.5% LTCG rule and who should redeem when.
Investing
IDCW payouts are taxed at your slab every year; Growth defers to 12.5% LTCG. A worked 20-year comparison shows why a 30%-slab Growth investor ends 29-53% richer.
Investing
SEBI's 21 July 2026 circular gates Specialised Investment Fund distribution behind a dedicated certification. How a SIF compares with a mutual fund, how each is taxed, and what to check.
Markets
SEBI circular dated 27 February 2025 forces AMCs to deploy New Fund Offer money within 30 business days of allotment, with one 30-day extension, a fresh-subscription bar and exit-load waiver on breach.
Investing
SEBI's 5 November 2024 circular standardises four factsheet disclosures - TER, half-yearly returns, debt portfolio yield and the risk-o-meter. Here is how to read them for an equity vs debt fund choice.
Investing
AMFI puts mutual fund industry AUM at Rs 87.08 lakh crore as of 31 August 2026, a sixfold decade rise. We compare an equity SIP against PPF for long-term wealth, with 2026 tax rates.
Markets
SEBI's circular dated 11 December 2025 defers Phase III of the demat and mutual fund nomination framework, giving intermediaries a longer compliance runway. What it means for your folios.
Investing
SEBI's 1 June 2025 circular gives overnight funds a 7 pm online redemption cut-off. We compare them against a savings account for parking idle cash, on a strict post-tax basis.
Investing
SEBI's July 2023 circular lets a fund call itself ESG only under six strategies, with 65% of AUM in BRSR Core-assured firms. How ESG funds compare with plain equity funds, plus the 12.5% LTCG math.
Markets
AMFI data puts India's mutual fund industry AUM at Rs 85.76 lakh crore as on 31 July 2026, with 28.09 crore folios. Here is what the July 2026 snapshot means before the open.
Investing
SEBI's 5 November 2024 disclosure rule lets you compare the yield, expense ratio and riskometer of a debt fund's Direct and Regular Plans side by side. Here is what to keep after cost and tax.
Investing
SEBI caps mutual fund TER by AUM slab under Regulation 52. We compare direct versus regular plans, model the 0.5% drag over 25 years, and set out the 12.5% LTCG rules.
Investing
AMFI puts industry AUM at Rs 85.76 lakh crore on 31 July 2026, a six-fold rise in ten years. We compare equity mutual funds against PPF for long-term wealth, with verified 2026 tax and rate data.
Investing
AMFI logged Rs 31,961 crore of SIP inflow in July 2026. We weigh an equity mutual fund SIP against PPF's 7.1% for long-term wealth, covering tax, lock-in and who each suits.
Investing
SEBI's 2017 categorisation gave Retirement and Children's Funds a mandatory 5-year lock-in. We compare them against NPS, Sukanya Samriddhi and PPF on exit rules and 12.5% capital-gains tax.
Investing
SEBI's 6 October 2017 circular fixes an 80% equity floor and a 3-year lock-in for ELSS. How that compares with PPF, NSC and 5-year tax-saving deposits on the same Rs 1.5 lakh of 80C.
Investing
SEBI's 2018 TER circular lets funds add 30 bps for B-30 city inflows and mandates daily expense-ratio disclosure. How Direct vs Regular plans compare on cost and tax in 2026.
Markets
SEBI's Master Circular for Mutual Funds, dated 20 March 2026, folds the whole industry rulebook into one reference. Here is what fund investors should verify before buying at today's open.
Investing
Regular vs Direct equity fund plans share one SEBI TER cap (2.25% to 1.05% by AUM) but differ on cost. See the slabs, the post-July 2024 tax, and who picks which.
Investing
Flexi-cap funds keep a 65% equity floor with full manager discretion; multi-cap funds must hold 25% each in large, mid and small caps. How SEBI's two circulars, tax and investor fit compare.
Investing
SEBI's 2020 circular forces multi-cap funds to hold at least 25% each in large, mid and small caps. Here is how that rule stacks up against flexi-cap funds for a long-term equity goal.
Markets
SEBI's 17 January 2025 circular makes Information Ratio disclosure mandatory for mutual fund schemes, giving investors a standardised risk-adjusted yardstick to compare funds beyond raw returns.
Investing
SEBI's 2017 circular fixes large cap as the top 100 companies, mid cap as 101st-250th and small cap as 251st onward. Here is how the bands, the 80%/65% rules and equity taxation compare.
Investing
AMFI data puts Indian mutual fund AUM at Rs 85,75,657 crore on 31 July 2026 and Rs 87,07,888 crore on 31 August 2026. What SEBI's falling expense-ratio slabs mean for investors.
Investing
SEBI's Rs 50 lakh PMS floor under Regulation 23(2), compared with mutual funds on ownership, fee caps, exit loads and tax on churn, plus the proposed Rs 25 lakh MF-only PMS.
Investing
SEBI’s 28 November 2025 circular reclassifies REITs as equity-related instruments while InvITs stay hybrid. Here is what it means for index funds, mutual fund limits and your REIT capital-gains and distribution tax.
Markets
SEBI's SIF framework, notified on 27 February 2025, opened a new pooled product tier between mutual funds and PMS. AMFI reports SIF assets of Rs 2,932 crore in November 2025, up 45.8% month-on-month.
Investing
SEBI's 26 February 2026 circular folds mutual fund categorisation into the Master Circular. Here is how the equity, debt and hybrid buckets compare, and what each one means for your post-tax return.
Markets
SEBI's circular of 28 November 2025 reclassifies REITs as equity-related instruments, letting mutual funds and Specialized Investment Funds hold them inside equity mandates. Here is what changes and what to watch.
Investing
SEBI's Specialized Investment Fund opens long-short and hybrid strategies at a Rs 10 lakh minimum, sitting between mutual funds and PMS. How it compares with PMS, and how each is taxed.
Markets
AMFI's November 2025 note shows SIP inflows at Rs 29,445 crore, a 0.3% dip but 16.3% higher year-on-year, with SIP AUM at Rs 16.53 lakh crore and 9.43 crore active accounts anchoring the market.
Investing
SEBI's 20 July 2023 circular lets fund houses run multiple ESG schemes, but each must follow one of six named strategies and hold 80% of AUM to match. Here is how an exclusionary fund compares with a best-in-class fund, and how both are taxed.
Markets
AMFI's November 2025 note puts industry AUM at Rs 80.80 lakh crore, up 18.7% in a year. A 57th straight month of equity inflows and Rs 29,911 crore of fresh money show how domestic flows now steady the market.
Investing
SEBI's 5 November 2024 circular makes funds disclose Direct and Regular Plan expenses, returns and yield separately, and colour-codes the six-level Risk-o-meter. Here is what it means for your money.
Investing
SEBI's mutual fund Risk-o-meter has six levels from Low to Very High and is recomputed monthly from a fund's holdings. We compare a small-cap fund vs a liquid fund on risk and tax.
Investing
Direct Plan vs Regular Plan for long-term investors: how SEBI's mandatory direct route and the B30 30 basis point incentive reshape the mutual fund expense ratio you actually pay, plus the tax on switching.
Markets
SEBI's Master Circular for Mutual Funds, dated 20 March 2026, folds every extant fund rule into one document. Here is what it covers on TER, categorisation and tax, and the checks to run today.
Investing
AMFI reclassifies large, mid and small cap stocks twice a year using six-month average market cap. Here is how the reshuffle forces large-cap and mid-cap funds to rebalance, and the tax rules that apply.
Markets
AMFI's quarterly average AUM disclosure lists every AMC's average assets under management. Here is how to read it to track market share, fund-size trends and where your money actually sits.
Investing
SEBI's 2017 circular defines large, mid and small cap funds by rank -- 1st-100th, 101st-250th, 251st onwards -- with allocation floors. Large Cap vs Small Cap Fund, tax and who should pick which.
Markets
AMFI's November 2025 note puts India's mutual fund net AUM near Rs 80.80 lakh crore, up about 1.2% on the month and 18.7% on the year, as resilient SIP flows keep a structural bid under equities.
Investing
Indian mutual fund AUM grew from Rs 15.18 trillion in July 2016 to Rs 85.76 trillion in July 2026. We compare equity mutual funds and PPF for a 10-year goal, with tax rates worked out.
Markets
SEBI's MF Lite framework, notified 31 December 2024, gives index funds and ETFs a lighter regulatory regime. Here is what the passive-fund rulebook changes for index investors and how it sits against the 5.25% repo backdrop.
Investing
AMFI's October 2025 note shows industry AUM at Rs 79.88 lakh crore and a record Rs 29,529 crore monthly SIP. We compare equity versus debt funds on flows, post-2024 tax and investor fit.
Investing
Since 1 April 2023 specified debt funds are taxed at slab rate with no indexation, while equity funds pay 12.5% above Rs 1.25 lakh. We run the post-tax math across SEBI's 16 debt categories.
Markets
SEBI's 29 July 2025 circular monitors the Rs 10 lakh SIF minimum at the investor level, treating a market-driven fall below the floor differently from an investor redemption. Here is how the breach rules work.
Investing
ELSS versus PPF for your Section 80C deduction: a three-year equity lock-in taxed at 12.5% LTCG against a 15-year PPF paying 7.1% tax-free. Which fits your risk profile and regime.
Investing
SIP versus lump sum for managing market-timing risk: how AMFI's Rs 500 rupee cost averaging works, the 12.5% LTCG and 20% STCG rules from 23 July 2024, and who should pick which.
Markets
SEBI's 28 November 2025 circular reclassifies REIT units as equity-related instruments, letting mutual funds and SIFs count them as equity and opening a path to index eligibility. What changes, what does not.
Investing
SEBI splits hybrid mutual funds into seven categories, from Conservative Hybrid (10-25% equity) to Aggressive Hybrid (65-80% equity). We compare allocation, drawdowns and the 65% tax line that decides your take-home return.
Markets
SEBI's 27 February 2025 circular created Specialized Investment Funds (SIF): a Rs 10 lakh asset class sitting between mutual funds and PMS, permitting long-short strategies within a 100% gross-exposure cap.
Investing
SEBI's six-level Risk-o-meter, mandatory since 1 January 2021, runs from Low to Very High and is re-scored monthly. We compare a liquid fund against a small-cap fund on risk and tax.
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