Equity Funds
Higher Risk
Invest primarily in stocks. Best suited for long-term wealth creation. Includes large-cap, mid-cap, small-cap, flexi-cap, and thematic funds.
Ideal horizon: 5+ years
Invest in professionally managed mutual funds across equity, debt, and hybrid categories — with expert guidance from Nikunj's team to match the right fund to your goals and risk profile.
What Is a Mutual Fund
A mutual fund pools money from thousands of investors and deploys it across a basket of securities — managed by a professional fund manager. You get diversification, liquidity, and expertise without needing to pick individual stocks.
Investment Modes
Both are valid approaches. Your Nikunj RM will help you decide based on your cash flows, goals, and market conditions.
Fund Categories
Mutual funds are not one-size-fits-all. Different categories suit different goals, timelines, and risk appetites — your RM helps you find the right fit.
Why Nikunj
Investing directly online is easy. Investing right — with the correct fund, the right allocation, and the discipline to stay the course — is where Nikunj makes the difference.
Getting Started
From registration to your first SIP — the whole process is quick and fully online.
FAQ
Everything you need to know before starting your mutual fund journey with Nikunj.
Most mutual funds allow you to start a SIP with as little as ₹500 per month. Some funds have a minimum of ₹1,000. Your Nikunj RM will help you identify the right funds and minimum amounts based on your goals.
Yes. Most open-ended mutual fund SIPs can be paused or stopped at any time without penalty — except ELSS funds which have a mandatory 3-year lock-in per instalment. We recommend staying invested through market cycles for best results, but there is no forced commitment.
Nikunj offers regular plans across all mutual fund categories. With a regular plan, Nikunj earns a small distribution commission from the AMC — this comes out of the fund's expense ratio and does not add any extra cost to you directly. In exchange, you get ongoing support from your RM — fund selection guidance, portfolio reviews, and assistance whenever you need it. We do not offer direct plans, which require you to invest and manage your portfolio independently without distributor support.
Taxation depends on the fund type and holding period. For equity mutual funds, gains held for over 12 months are classified as Long Term Capital Gains (LTCG) and taxed at 12.5% above ₹1.25 lakh. Short-term gains are taxed at 20%. Debt fund gains are added to your income and taxed as per your income tax slab. We recommend consulting a tax advisor for your specific situation — this is general information only and not tax advice.
Mutual fund investments are subject to market risks — the value of your investment can go up or down. However, your money is held in your name directly with the AMC and is not commingled with the distributor's or broker's funds. Mutual funds in India are regulated by SEBI, which mandates strict governance, transparency, and investor protection norms. Please read all scheme-related documents carefully before investing.
NAV (Net Asset Value) is the per-unit price of a mutual fund, calculated at the end of each business day. When you invest, you receive units at the prevailing NAV. When you redeem, you get the NAV on the redemption date. A higher NAV does not mean a fund is expensive — what matters is the fund's performance and the quality of its underlying portfolio.
Yes. If you already hold a Demat and trading account with Nikunj, your KYC is already complete. You can begin investing in mutual funds directly through your existing account — both via SIP and lumpsum — with the same RM guiding you across equity and mutual fund investments.
Open a free account with Nikunj, get your dedicated RM, and begin your first SIP in minutes. Expert-guided. SEBI-registered. 30+ years of trust.