Mutual funds offer several advantages, including:

• Easy diversification across assets
• Professional fund management
• Investment with relatively lower capital
• High liquidity
• Easy accessibility and purchase
• Schemes aligned to different financial goals
• High level of transparency
• Availability of tax-saving options (e.g., ELSS)

There is no specific age to start investing in mutual funds. However, starting early helps you benefit from the power of compounding. Investing regularly through SIPs as soon as you begin earning also builds financial discipline.

You can track mutual fund performance through:

• Monthly fund factsheets issued by mutual fund houses
• Online investment portals and platforms that provide performance updates

Zuari Money supports you at every step—right from understanding your financial goals and risk profile to recommending suitable mutual funds, facilitating transactions, tracking investments, and providing ongoing service and portfolio reviews through digital platforms and dedicated RMs.

A dedicated RM helps you:

• Understand suitable investment options based on your goals
• Select funds aligned to your risk appetite
• Get assistance with transactions, SIPs, redemptions, and service requests
• Receive regular guidance during market changes

This ensures personalized and informed investing.

You can access mutual fund information through:

• Zuari Money MF App – Portfolio, transactions, and fund details
• Relationship Manager (RM)
• Zuari Money Branches
• Customer Support / Talk to Us

All channels provide consistent and reliable information.

The right fund depends on your financial goals, investment horizon, and risk appetite.

Zuari Money conducts a risk and suitability assessment and aligns fund recommendations with your needs—whether for wealth creation, income, or capital protection.

Goal-based investing means investing with a clear objective such as retirement, child’s education, home purchase, or wealth creation. It helps you:

• Stay disciplined
• Choose the right fund type and duration
• Track progress towards specific financial goals

This approach improves the chances of achieving your financial objectives.

Risk and suitability assessment evaluates your ability and willingness to take investment risk. It is important because:

• It ensures investments match your comfort level
• It avoids unsuitable fund selection
• It helps manage expectations during market volatility

• Equity Funds invest mainly in shares and aim for long-term capital growth. They carry higher risk but higher return potential.
• Debt Funds invest in fixed-income instruments like bonds and aim for stable returns with relatively lower risk.
• Hybrid Funds invest in a mix of equity and debt, balancing risk and returns.

Fund selection depends on your goals and risk profile.

A CAS (Consolidated Account Statement) is a single statement that provides details of all your mutual fund investments across different fund houses. It helps you track:

• Holdings
• Transactions
• Portfolio valuation

CAS is issued monthly or half-yearly and is sent to your registered email ID or can be accessed digitally.

Yes. Through the Zuari Money MF App, you can view your portfolio, track performance, start or modify SIPs, invest in new funds, and access important investment information anytime.

To start investing:

• Identify your financial goals
• Decide your investment horizon and return expectations
• Assess your risk appetite
• Select funds that align with the above factors

The process includes:

• Completing one-time KYC (Know Your Customer) formalities through SEBI-registered intermediaries
• Registering on the mutual fund platform using PAN, mobile number, and email ID
• Providing personal and bank details
• Selecting the mutual fund scheme, investment amount, and mode (lumpsum or SIP)
• Making the payment

You can invest in mutual funds with Zuari at: https://mf.zuarimoney.com/MFInvest/

Net Asset Value (NAV) represents the per-unit value of a mutual fund scheme.

Formula: NAV = (Value of Assets – Value of Liabilities) ÷ Number of Outstanding Units

NAV is calculated and updated once every business day after market hours. NAV does not indicate fund performance and should not be the sole factor for fund selection.

NFO (New Fund Offer) is the first-time launch of a new mutual fund scheme by an Asset Management Company (AMC). Investors can subscribe to the scheme during the NFO period before it becomes available for regular investment.

ETFs (Exchange Traded Funds) are investment products that track an index, commodity, bonds, or a group of securities. ETFs are traded on stock exchanges like shares and can be bought or sold during market hours. They help investors diversify their portfolio easily.

A mandate is an authorization that allows automatic debit from your bank account for SIP (Systematic Investment Plan) transactions.

An E-Mandate is an electronic authorization that allows automatic debit from your bank account for SIP installments placed through BSE STAR MF.

• E-Mandate: Usually within a few working days
• Physical Mandate: May take longer, subject to bank and AMC processing timelines

No. SIPs can be registered only after the mandate is successfully approved and active.

Step 1: Login to https://mf.zuarimoney.com/MFInvest/

Step 2: Click on the Profile dropdown at the top-right corner (near your photo)

Step 3: Select “Create Mandate”

Step 4: Choose E-Mandate or Physical Mandate

Step 5: Enter the Daily Transaction Limit

• Minimum limit for E-Mandate: Rs.50,000

Step 6:

• For E-Mandate: Click Authenticate and complete the online authentication
• For Physical Mandate: Submit the duly signed mandate copy at your nearest branch

Mandate Approval TAT:

• E-Mandate: 3 working days
• Physical Mandate: 21 working days (post submission)

Step 1: Login to https://mf.zuarimoney.com/MFInvest/

Step 2: Click on the Profile dropdown (top-right)

Step 3: Select “Mandate Report”

You can view the current status of your mandate here.

• You will receive an email confirmation regarding mandate status
• You can also check the status under Profile → Mandate Report

Step 1: Login to https://mf.zuarimoney.com/MFInvest/

Step 2: Click on Search

Step 3: Enter the scheme (scrip) name

Step 4: Select SIP

Step 5: Choose Frequency (Daily / Monthly)

Step 6: Select First Order Today – Yes / No

Step 7: Select Mandate

• Existing mandate (if already created)
• OR create a new mandate

Step 8: Select Existing Folio (if available)

Step 9: Enter SIP Amount

Step 10: Select Number of Instalments

Step 11: Select SIP Start Date

Step 12: Click Proceed to Checkout

Step 13: Complete payment through the BSE STAR MF payment link received on email

Step 1: Login to https://mf.zuarimoney.com/MFInvest/

Step 2: Click on Search

Step 3: Enter the scheme name

Step 4: Select Lumpsum

Step 5: Enter the Investment Amount

Step 6: Click Proceed to Checkout

Step 7: Complete payment using the BSE STAR MF payment link received on email

Common payment modes include:

• Net Banking
• UPI
• E-Mandate (for SIPs)
• Other BSE-approved online payment gateways

Payment options may vary based on AMC and platform integration.

• MF units are usually credited on T+2 working days
• Settlement timelines may vary depending on the scheme

To check MF Holdings:

1. Login to https://mf.zuarimoney.com/MFInvest/
2. Click on Holdings

Step 1: Login to https://mf.zuarimoney.com/MFInvest/

Step 2: Click on Profile dropdown (top-right at Photo)

Step 3: Select Profile → BSE

You can view:

• Registered Mobile Number
• Email ID
• Bank Details
• Nominee Details

Step 1: Login to https://mf.zuarimoney.com/MFInvest/

Step 2: Click on Profile dropdown

Step 3: Select Profile → BSE

Step 4: Click Edit Onboarding

You can modify:

• Primary Details: Email / Mobile
• Bank Details: Edit or add additional bank accounts
• Nominee Details: Add or modify nominees

Submit the request after making changes.

Exit load is a charge applied when mutual fund units are redeemed before a specified period. It is calculated as a percentage of the NAV at the time of redemption.

A lock-in period is a fixed duration during which investments cannot be redeemed or sold. It encourages long-term investing and applies to certain mutual fund schemes (e.g., ELSS).

Expense Ratio represents the annual cost of managing a mutual fund, expressed as a percentage of the fund’s average assets under management (AUM). It includes fund management fees, administrative costs, marketing, and other operational expenses, and is deducted from the fund’s returns.

Typical Expense Ratio Ranges:

• Equity Mutual Funds: ~0.50% to 2.50%
• Debt Mutual Funds: ~0.20% to 1.50%

CAGR (Compound Annual Growth Rate) shows the average annual return of an investment over a period, smoothing out yearly fluctuations.

• Open-Ended Funds: Can be bought or redeemed anytime at NAV
• Closed-Ended Funds: Have a fixed maturity and are traded on exchanges

Step 1: Login to https://mf.zuarimoney.com/MFInvest/

Step 2: Click on Holdings

Step 3: Select Individual

Step 4: Choose the scheme and click on three dots

Step 5: Select Redeem

Step 6: Enter Units / Amount or select All Units

Step 7: Click Proceed to Checkout

Important Notes:

• Redemption once placed cannot be cancelled
• Payout will be credited to the primary bank account registered at the time of order placement
• Settlement time depends on the scheme

Settlement timelines depend on the scheme type:

• Liquid / Overnight Funds: Usually T+1
• Equity / Debt Funds: Usually T+2 to T+3

Timelines may vary by AMC.

Redemption requests placed on BSE STAR MF are forwarded to the AMC. Units are redeemed at the applicable NAV, and proceeds are credited directly to the registered bank account.