Equity funds
Own a slice of listed companies. Higher swings, the strongest long-run growth; hold for five years or more.
All equity fundsFind, compare and invest in mutual funds online
A mutual fund pools money from many people and invests it in shares, bonds or gold under SEBI’s rules. Search every regular-growth scheme from 43 fund houses, compare up to four side by side, and start a SIP or one-time investment from ₹100 in the Koshex app.
- AMFI-registeredMutual fund distributor · ARN-154632
- 43 fund housesEvery regular-growth scheme in one screener
- SIP from ₹100Or a one-time investment
- Compare up to 4Funds side by side, on the same rows
Mutual funds by category
SEBI defines each category by what the fund must hold. Pick a class, then a category, to open it in the screener.
Debt funds
Lend to governments and companies through bonds. Steadier than equity, useful for goals under three years.
All debt fundsHybrid funds
One fund that holds both shares and bonds, so the mix is managed for you.
- Aggressive hybrid
- Dynamic asset allocation
- Multi asset
- Arbitrage
- Equity savings
- Conservative hybrid
- Balanced hybrid
Commodity funds
Gold and silver held as fund units, priced daily, no locker.
All commodity fundsCollections
Six shortlists that open the screener already filtered and sorted. Every fund inside is still yours to judge.
- Equity fundsTop performers over 3 yearsEquity funds ranked by three-year annualised return. Past returns describe the road behind, not the road ahead.Horizon · 5+ years
- Equity fundsSave tax under the old Section 80CELSS funds: equity funds that count towards the ₹1.5 lakh limit of section 123 (the old Section 80C), under the old regime only.Horizon · 3-year lock-in
- Equity fundsTrack the index at low costIndex funds that mirror the Nifty, the Sensex or a mid- and small-cap index for a fraction of an active fund’s fee.Horizon · 5+ years
- Debt fundsPark cash for weeks or monthsLiquid, overnight, money-market and ultra-short funds: a step up from a savings account for money you will need soon.Horizon · Weeks to 12 months
- Hybrid fundsA smoother ride than pure equityHybrid funds that hold shares and bonds together and rebalance the mix for you.Horizon · 3+ years
- Commodity fundsGold and silver without a lockerCommodity funds that hold the metal for you, bought and sold at the day’s price.Horizon · 3+ years
The twelve largest mutual fund houses in India
Every fund house we distribute for has a page with its scheme documents. These twelve manage the most money; the directory has all 43.
SBI Mutual Fund
ICICI Prudential Mutual Fund
HDFC Mutual Fund
Nippon India Mutual Fund
Kotak Mahindra Mutual Fund
Aditya Birla Sun Life Mutual Fund
UTI Mutual Fund
Axis Mutual Fund
DSP Mutual Fund
Mirae Asset Mutual Fund
Tata Mutual Fund
Bandhan Mutual Fund
Calculators and comparison
Work out what a monthly amount grows into, or put up to four funds on the same rows.
SIP calculatorWhat a monthly amount becomes over the years you choose.
Lumpsum calculatorWhat a one-time investment grows to at a given annual return.
SWP calculatorHow long a corpus lasts when you withdraw a fixed sum each month.- Compare fundsTick up to four funds in the screener to see NAV, cost, returns, risk and allocation side by side.
Mutual funds, explained
The four things worth knowing before you pick one.
What a mutual fund is
A mutual fund pools money from many investors and hands it to a professional manager, who buys shares, bonds or gold according to the scheme’s stated objective. You own units, priced once every business day as the net asset value, or NAV. Your money sits with a SEBI-registered trustee, not the fund house, so a fund house changing hands is an administrative event, not a threat to your holding.
Read more:Types of mutual fund schemesWhat is NAV?
Equity, debt and hybrid
Equity funds own shares and swing the most; they suit goals five or more years away. Debt funds lend to governments and companies through bonds, move less and suit goals under three years. Hybrid funds hold both in one scheme and rebalance the mix for you. Every scheme carries a SEBI riskometer from Low to Very High, which describes how widely its value can swing, not how likely you are to lose money.
Read more:Equity mutual fundsDebt mutual funds
SIP or one-time
A SIP invests a fixed amount every month, whatever the market is doing, so you buy more units when prices are low and fewer when they are high. It suits money that arrives as salary. A lumpsum puts a sum you already hold to work at once, which suits a bonus or a maturing deposit. The SIP and lumpsum calculators above show what each becomes over the years you choose.
Read more:Systematic investment planLumpsum
What it costs and how it’s taxed
The expense ratio is the yearly fee the fund house charges, already deducted from the NAV you see. Some schemes charge an exit load if you sell within a set period, usually a year. Gains are taxed as capital gains: equity funds at flat rates that depend on whether you held for more than a year, with an annual exemption on long-term gains; debt fund units bought since April 2023 at your income-tax slab. ELSS funds count towards the ₹1.5 lakh limit of section 123 (the old Section 80C) under the old regime only, against a three-year lock-in.
How it works
Invest through Koshex
- Get the appFinish KYC once, in a few minutes.
- Find a fundHere or in the app, with its numbers explained in plain English.
- InvestStart a SIP or invest one time, from ₹100.
- Several schemes in one cart, one payment
- Every holding tracked in one place, alongside your gold and deposits
- Withdraw whenever you like, outside lock-in schemes such as ELSS
Frequently asked questions
What is a mutual fund?
A mutual fund pools money from many investors and invests it in shares, bonds, gold or a mix, following an objective written into the scheme’s documents. A professional fund manager runs it, you own units priced daily at the NAV, and SEBI regulates every scheme sold in India. Your money is held by a trustee, not the fund house.
How do I start investing in mutual funds on Koshex?
Download the Koshex app and complete KYC once; it takes a few minutes with your PAN and Aadhaar. Then find a fund on this site or in the app, choose a SIP or a one-time investment, and pay. You can put several schemes in one cart and pay for them together.
What is the minimum amount I can invest?
Many schemes accept a SIP from ₹100 a month; one-time minimums are usually higher. Each scheme’s own minimum is shown on its page here and in the app, and that is the only floor: anything at or above it is accepted.
Should I choose a SIP or a lumpsum?
Neither is better on its own. A SIP suits money that arrives monthly and spreads your purchases across prices, which smooths your average cost. A lumpsum suits a sum you already hold, such as a bonus or a maturing deposit, and puts all of it to work at once. Many people use both. The SIP and lumpsum calculators show what each becomes over your horizon.
Are mutual funds safe?
Your money is safe from the fund house: it is held by a SEBI-registered trustee and a custodian, and a fund house being sold or shut cannot take it with them. Your money is not protected from the market: a fund’s value rises and falls with what it holds. The riskometer on every scheme, from Low to Very High, tells you how wide those swings tend to be.
Which type of mutual fund should I choose?
Start from when you need the money. Under three years, debt funds such as liquid or short-duration schemes keep swings small. Three to five years, hybrid funds balance growth and stability. Five years or more, equity funds have historically given the strongest growth, with the widest swings on the way. If the goal includes saving tax, an ELSS fund is equity that counts towards section 123 (the old Section 80C) under the old regime, with a three-year lock-in.
How are mutual fund returns taxed?
Gains are taxed as capital gains when you sell, not while you hold. For equity funds the rate depends on whether you held the units for more than a year, and long-term gains get an annual exemption. Debt fund units bought since April 2023 are taxed at your income-tax slab whatever the holding period. ELSS investments count towards the ₹1.5 lakh limit of section 123 (the old Section 80C), but only under the old regime. Our capital gains guide explains the current rates.
Is there a lock-in period?
Most equity and debt funds have none; you can withdraw at any time, though some schemes charge an exit load, commonly 1%, if you sell within the first year. ELSS funds lock each instalment for three years from its allotment. Solution-oriented retirement and children’s funds carry their own lock-ins, stated on their pages.
When are units allotted, and how long does a redemption take?
Payments made before 12:30 pm on a working day are processed the same day and units are allotted on the following working day; later payments are processed the next working day. The fund house confirms allotment within three to four working days, and it shows in your Koshex account by the next working day after that. Redemption proceeds usually reach your bank account within one to three working days, depending on the fund type.