Category · 01
Equity Funds
Risk
High
Funds that invest primarily in stocks. Highest long-term return potential, but with full market volatility.
Ideal Horizon
5+ years
Examples
Large Cap, Flexi Cap, Multi Cap
10 Categories · 45+ AMCs
Every category. Curated, not pushed.
A fund category is a tool, not a strategy. Here's what each one does — and when it makes sense to use it.
Category · 02
Hybrid Funds
Risk
Moderate
A balanced mix of equity and debt. Designed to smoothen returns while still beating pure fixed-income options.
Ideal Horizon
3–5 years
Examples
Balanced Advantage, Aggressive Hybrid
Category · 03
Debt Funds
Risk
Low to Moderate
Invest in government securities, corporate bonds and money-market instruments. Lower volatility, predictable income.
Ideal Horizon
1–3 years
Examples
Corporate Bond, Banking & PSU, Gilt
Category · 04
ELSS Funds
Risk
High
Tax-saving equity funds with a 3-year lock-in — the shortest among all Section 80C options.
Ideal Horizon
3+ years (lock-in)
Examples
Section 80C · ₹1.5L deduction
Category · 05
Index Funds
Risk
Market-linked
Passive funds that mirror a benchmark index like Nifty 50 or Nifty Next 50. Low cost, market returns.
Ideal Horizon
5+ years
Examples
Nifty 50, Sensex, Nifty Next 50
Category · 06
Flexi Cap
Risk
High
Multi-cap mandate with no restriction on market-cap allocation. Best of large/mid/small in one fund.
Ideal Horizon
5+ years
Examples
Diversified equity, single-fund core
Category · 07
Mid Cap
Risk
Very High
Funds investing in mid-sized Indian companies. Higher return potential, higher volatility than large-cap.
Ideal Horizon
7+ years
Examples
Nifty Midcap 150 strategies
Category · 08
Small Cap
Risk
Very High
Equity funds in small-cap stocks. Highest return potential, highest volatility — long horizon mandatory.
Ideal Horizon
10+ years
Examples
Nifty Smallcap 250 strategies
Category · 09
International Funds
Risk
High
Funds investing in global equities — US tech, developed markets, or thematic global themes.
Ideal Horizon
5+ years
Examples
US-specific, global themes
Category · 010
Retirement Funds
Risk
Moderate to High
Solution-oriented funds with a lock-in till retirement age (typically 60). Auto-glide to debt over time.
Ideal Horizon
Till age 60
Examples
Tier-I NPS, Retirement Fund
Selection Logic
How I pick funds for you.
01
Goal First
Every category maps to a goal. Equity for long-horizon wealth, debt for stability, ELSS for tax-saving. Never the other way around.
02
Consistent Track Record
I look at 5-year rolling returns vs. category peers, not last year's star fund. Past winners rarely repeat — consistency does.
03
Cost Matters
Lower expense ratios compound into meaningfully higher returns over 15–20 years. Direct plans only — never regular.
Not sure which category fits? Let's map it together.
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