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📍 Professional Financial Distribution Hub

Vivarta Mutual Fund Services LLP

ARN-281913
APRN04170
GSTIN: 37AAUFV7375F1ZC
AMFI-Registered Mutual Fund Distributor APMI-Registered PMS Distributor AMFI-Registered SIF Distributor
📊 SIP (Systematic Investment Plan) harnesses rupee cost averaging and long-term compounding benefits. 💡 Assess your risk profile thoroughly before selecting equity, debt, or hybrid asset classes. ⚠️ Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. 📈 Maintain disciplined asset allocation across varying market cycles for optimized portfolio growth.

Types of Mutual Funds

Mutual Funds in India are categorised by asset class, risk, and structure. Here's a breakdown:

Type Description Risk Level Ideal For
Equity Funds Invest 65%+ in stocks. Sub-types: Large-Cap (stable giants like Reliance), Mid/Small-Cap (growth-oriented), Multi-Cap (diversified). High Long-term growth-oriented investors (7+ years)
Debt Funds Focus on bonds, G-Secs, and corporate debt. Sub-types: Liquid (short-term), Corporate Bond (medium), Gilt (govt. securities). Low-Medium Short-term money-parking investors looking for stability.
Hybrid Funds Mix equity (35–65%) and debt. Sub-types: Aggressive (equity-heavy), Conservative (debt-heavy), Balanced Advantage (dynamic allocation). Medium Moderate risk-takers
Solution-Oriented Funds Goal-specific, like Children's (locked 5 years) or Retirement (long lock-in). Medium-High Milestone-planning investors.
Index / ETFs Track indices like Nifty 50. Low-cost, passive. Varies with index Cost-conscious investors
ELSS (Tax-Saving) Equity funds with a 3-year lock-in are eligible for 80C deductions. High Tax optimisation + growth-oriented investors.
Fund of Funds (FoFs) Invest in other mutual funds, often international. Medium Global diversification

Equity funds

Equity funds may suit long-term growth goals.

Debt funds

Debt funds may suit stability and liquidity needs.

Hybrid funds

Hybrid funds may suit investors looking for balanced exposure.

ELSS funds

ELSS funds may help combine tax-saving with investing discipline.

What are the Advantages of Investing in Mutual Funds?

Diversification

Investors spread their investments across different funds, so underperformance in one, two, or a few funds does not affect the overall portfolio.

Professional Management

Skilled fund managers oversee the markets and make informed decisions, highly suitable for those lacking time and/or skills.

Liquidity

They offer easy redemption within 1 to 3 days, compared with fixed deposits and other stock investments.

Affordability

Mutual fund investments can be started with small amounts through SIPs, which facilitate disciplined investing.

Transparency

Daily NAV (Net Asset Value) announcements and disclosures are crucial in fostering trust.

Flexibility

Invest through SIP (Systematic Investment Plan), STP (Systematic Transfer Plan), and SWP (Systematic Withdrawal Plan); Easy switching between funds, Top-up SIPs, and more.

Tax Benefits

Equity-oriented mutual funds held for more than one year qualify for long-term capital gains (LTCG) taxation, where gains above ₹1.25 lakh in a financial year are taxed at 12.5%. Additionally, investments in ELSS funds may qualify for deductions under Section 80C (up to the applicable limit under the old tax regime).

Methods of Mutual Fund Investments

Systematic Investment Plan

Invest fixed amounts on a monthly basis, for instance, ₹1000 and more, utilising rupee cost averaging to buy more units when the market valuations go down.

Lump Sum

This approach involves committing a one-time capital amount, which may offer superior growth opportunities during periods of upward market momentum.

Systematic Transfer Plan (STP)

Systematically move a fixed amount from one fund (e.g., debt) to another (e.g., equity) at set intervals. This strategy mitigates market timing risk and facilitates rupee-cost averaging on a lump sum.

Systematic Withdrawal Plan (SWP)

Receive a fixed amount or percentage from your total investment corpus periodically (monthly/quarterly). An ideal way to generate regular post-retirement income while allowing the rest of your corpus to continue growing.

Requirements for Investing in Mutual Funds

KYC Completion

Complete your KYC verification using PAN and Aadhaar to enable seamless mutual fund investing.

Active Bank Account

A valid bank account is required for SIP registrations, lump sum investments, and redemption payouts.

Frequently Asked Questions

What are the different types of mutual funds, and how are they different?
Mutual funds are categorized primarily by asset classes: Equity Funds (investing in stocks for long-term growth), Debt Funds (investing in fixed-income bonds for relative stability), Hybrid Funds (combining both), and Solution-Oriented Funds designed for retirement or children's education.
Distributor Trail Commission

Trail commission is paid periodically by asset management companies (AMCs) to distributors for servicing and retaining investors. Below is the reference range of minimum and maximum trail commissions across various scheme categories:

Scheme Category Minimum Trail (%) Maximum Trail (%)
Liquid / Overnight Funds 0.03% 0.20%
Ultra Short / Low Duration Funds 0.05% 0.40%
Short Duration / Corporate Bond Funds 0.10% 0.75%
Hybrid Funds 0.30% 1.00%
Index Funds 0.05% 0.30%
Equity Mutual Funds 0.50% 1.00%
ELSS Funds 0.50% 1.20%
International / Thematic Funds 0.60% 1.10%
Gold Fund of Fund 0.10% 0.40%
Silver Fund of Fund 0.10% 0.40%
How do I choose the right mutual fund for my goals?
Choosing the right fund depends on your financial goals, investment horizon, and risk tolerance. Consulting an AMFI-registered distributor like Vivarta helps map your profile accurately to suitable funds.
What are the tax implications of investment in mutual funds?
Taxation depends on the fund category. Equity-oriented funds held for over 1 year attract Long-Term Capital Gains (LTCG) tax of 12.5% on gains exceeding ₹1.25 lakh per financial year. Debt funds are taxed according to your income tax slab. ELSS funds offer tax deductions under Section 80C under the old tax regime with a 3-year lock-in.
How much should I invest in a mutual fund?
There is no fixed amount. Your investment should align with your specific financial goals, regular monthly savings capacity, and emergency funding needs. SIPs can be started with modest amounts.
Is it possible to invest in several mutual funds at one go?
Yes, investors can build diversified portfolios by investing across multiple schemes or categories simultaneously through basket orders or structured SIP registrations.
How do I calculate a mutual fund's returns?
Mutual fund returns are typically evaluated using CAGR (Compound Annual Growth Rate) for lump sums and XIRR (Extended Internal Rate of Return) for SIPs based on daily Net Asset Value (NAV) movements. Past performance is not an indicator of future results.
What is the role of a fund manager in mutual funds?
A fund manager conducts rigorous research, selects securities, and manages the portfolio buy/sell decisions dynamically to stay aligned with the specific scheme's stated investment objective.
What are the risks involved in mutual funds?
Mutual fund investments are subject to market risks. Depending on the fund type, risks include market volatility (equity), interest rate/credit risk (debt), and liquidity constraints.
Can I redeem my mutual fund units at any time?
Yes, open-ended mutual funds offer high liquidity and can be redeemed at any time (funds are credited within 1–3 business days), except for locked-in schemes like ELSS (3-year lock-in) or close-ended funds.
What is the minimum investment to start a mutual fund?
You can start a Systematic Investment Plan (SIP) with many funds starting from as low as ₹500 or ₹1,000 per month, making mutual funds accessible and disciplined.
Does Vivarta offer mutual fund recommendations?
As an AMFI-registered distributor (ARN-281913), Vivarta provides professional guidance, portfolio structuring, and scheme selections tailored precisely to your risk profile and goals.
What mutual fund research and insights does Vivarta provide?
We provide market updates, strategic asset allocation insights, educational materials on compounding and SIPs, and regular portfolio reviews.
What are some popular mutual fund investment strategies?
Popular strategies include Rupee Cost Averaging via SIPs, core-satellite asset allocation, Systematic Transfer Plans (STP), and goal-based milestone planning.
Does Vivarta offer SIP mandate registration?
Yes, we assist investors in setting up automated e-Mandates/NACH for seamless, hassle-free monthly SIP execution.
How do I contact my Vivarta Wealth Manager or Advisor?
You can easily reach out to our advisory team via phone at +91 9014477277, via email at info@vivarta.co.in, or by visiting our Contact Us page.
How do I create multiple portfolios with Vivarta?
You can structure distinct goal-based portfolios (e.g., retirement, child education, wealth creation) with the assistance of our advisory team to track different timelines independently.
Mutual Fund Non-Financial Transactions & Durations
Review the processing durations for online and physical non-financial requests below:
S. No Mutual Fund Non-Financial Transactions Duration
Online Physical
1 New KYC Registration / KYC Modification (KYC Updation)/ validation 3 Working Days 3 Working Days
2 Contact Details Update (Email & Mobile Number Update) - 7 Working Days
3 Name Correction / Name Change ( KYC and Folio ) - 7 Working Days
4 Change of Address ( KYC and Folio ) - 7 Working Days
5 Signature Change / Signature Updation - 7 Working Days
6 Change of Bank Mandate / Change of Bank Details - 7 Working Days
7 Change of Tax Status (e.g., Resident to NRI / NRI to Resident) - 7 Working Days
8 Change of Status from Minor to Major (Change of Status) - 7 Working Days
9 Transmission of Units (In case of holder's demise) - 7 Working Days
10 Transfer of Units (Off-Market Transfer / Gifting of Units) 2 Working Day -
11 SIP Registration - 7 Working Days
12 SIP Pause - 7 Working Days
13 SIP Cancellation - 7 Working Days
14 Systematic Withdrawal Plan - 7 Working Days
15 Systematic Transfer Plan (STP) - 7 Working Days
16 Switch / Switch Out - Switch In - 7 Working Days
1) Equity - 2 Working Days
2) Debt - 1 Working Day
17 Nominee Updation: Change / Addition / Opt-out of Nomination - 7 Working Days
18 PAN-Aadhaar Linking Status / Linking 3 Working Days -
19 Redemption - -
1) Equity - 3 Working Days
2) Debt - 1 Working Day
20 Additional Purchase - 1 Working Day
21 Client Statements - 1 Working Day
22 Change of Broker - 11 Working Days

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⚠️ Mutual Fund investments are subject to market risks, read all scheme related documents carefully before investing. Vivarta Mutual Fund Services LLP (ARN-281913).