Invest in Mutual Funds with Zuari Simple, Smart & Seamless

Explore mutual funds across categories with tools & insights that suit your goals
Top Mutual Funds to Suit Your Needs

Nippon India ETF Nifty PSU Bank BeES

9.47%

1Y

32.44%

3Y

39.85%

5Y

Kotak Nifty PSU Bank ETF

9.47%

1Y

32.44%

3Y

39.79%

5Y

ICICI Pru Infrastructure Fund(IDCW-Payout)

-0.48%

1Y

28.16%

3Y

35.85%

5Y

ICICI Pru Infrastructure Fund(IDCW)

-0.48%

1Y

28.16%

3Y

35.85%

5Y
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Invest in Mutual Funds with Zuari

Investing in mutual funds is now easier than ever before. Simply follow these steps:

1

Register on the Zuari Money website or mobile application.

2

Complete your KYC.

3

Select your preferred investment method (SIP or lumpsum) and amount.

4

Link your bank account for seamless transactions.

5

Watch your wealth grow.

Fees and Costs Associated with Mutual Funds

Know the key charges involved in mutual fund investments:

Exit Load

Charged when exiting a mutual fund before a specified period, usually within a year. This is typically around 1% of the redemption value.

Transaction Charges

A fee charged by investment platforms or fund distributors to cover processing and distribution costs. This fee may be one-time or recurring, depending on the nature of the transaction and the service provider.

Expense Ratio

An annual fee covering all fund management costs, expressed as a percentage of the fund’s net assets. It includes sales, marketing, and administrative costs.

Taxation Rules on Mutual Funds in India

Here is how mutual funds are taxed in India:

Equity Mutual Funds

  • Long-Term Capital Gains (LTCG: holding period > 12 months): Gains above ₹1.25 lakh taxed at 12.5%.
  • Short-Term Capital Gains (STCG: holding period < 12 months) taxed at 20%.

Debt Mutual Funds

  • For investments made before April 1, 2023:
    • LTCG (holding period > 36 months): Taxed at 20% with indexation (if sold before July 23, 2023).
    • LTCG (holding period > 24 months): Taxed at 12.5%, without indexation (if sold on/after July 23, 2023)
  • For investments made on or after April 1, 2023:
    • All gains, regardless of holding period: Taxed as per your income tax slab rate. No indexation benefits available.

Hybrid Mutual Funds

  • LTCG (holding period > 24 months): Taxed at 12.5%. No indexation benefit.
  • STCG (holding period < 24 months): Taxed as per your income tax slab rate.

Tax-Saving (ELSS) Funds

  • Lock-in period of 3 years and eligible for up to ₹1.5 lakh deduction under Section 80C.
Getting Started with Mutual Funds
Mutual fund investing isn’t one-size-fits-all. Here are a few insights to help guide your investment choices.

Short-term parking? Go for liquid funds. Planning for retirement or a child’s education? Equity funds via SIPs can help you beat inflation over time. Investing isn’t static — adapt your portfolio as your goals and life stages change.

Instead of jumping into what’s “trending,” look for consistency. A fund that performs steadily across market cycles is often a better bet than a one-hit wonder.

Markets fluctuate, but your SIP continues. It’s perfect if you’re salaried or hate timing the market. Start small, grow steady.

Just because your friend invests in small-cap funds doesn’t mean you should. Choose fund types aligned to your comfort with risk and investment horizon.

Equity funds grab the spotlight, but smart investors use debt funds for diversification, emergency funds, or tax-efficient fixed income.

If you are:
  • A beginner? Start with a balanced or large-cap fund.
  • Gaining confidence? Add mid-caps or thematic funds.
  • Nearing a goal? Shift towards safer options like debt or hybrid funds.
Know the Risks
All investments carry some level of risk — and mutual funds are no exception. However, understanding these risks is the first step to managing them wisely. Here's what to watch out for and Zuari helps you invest smarter:

Equity funds can be volatile in the short term. But with SIPs and a long-term outlook, you can average out costs. Zuari’s smart tracking tools help you stay on course, not panic.

When interest rates rise, bond prices fall — affecting debt fund returns. Zuari provides fund-specific insights so you know what kind of debt fund suits your needs and time horizon.

Some funds may take time to redeem, especially in volatile markets. With Zuari, you can clearly view redemption timelines before investing — no hidden surprises.

Lower-rated bonds may offer higher returns but carry default risk. Zuari highlights fund portfolios and ratings, so you can stick to high-quality holdings if you prefer safety.

Investing in high-risk funds for short-term goals can derail plans.

Frequently Asked Questions (FAQs)

Start simple. SIPs (Systematic Investment Plans) are a great entry point — small monthly amounts, big long-term potential. Zuari’s platform makes onboarding smooth, with personalised support for first-timers.

SIPs are ideal for steady investors and mitigating market volatility. Lumpsum suits those with a big amount ready to deploy. With Zuari, you can mix both depending on your goal and risk appetite.

Minimum investments generally start at ₹100 for SIPs and ₹1,000 for lump sum investments but may vary by fund.

Mutual fund returns are subject to capital gains tax, which varies depending on the holding period and type of fund.

For open-ended funds, yes, you can withdraw at any time. However, closed-ended funds (like ELSS) have a lock-in period.

Need Help Choosing the Right Fund?

Get in Touch

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  • zfl@adventz.zuarimoney.com
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Attention Investors

  • 1.Stock Brokers can accept securities as margin from clients only by way of pledge in the depository system w.e.f. September 1, 2020.
  • 2.Update your mobile number & email Id with your stock broker/depository participant and receive OTP directly from depository on your email id and/or mobile number to create pledge.
  • 3.Pay 20% upfront margin of the transaction value to trade in cash market segment.
  • 4.Check your securities / MF / bonds in the consolidated account statement issued by NSDL/CDSL every month.

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