Free mutual fund advice online is usually general. It does not know your goals, your income, your family, or how much risk you can handle. A tip that works for one person can hurt another. Before you act, check who is advising you, whether they are registered, and whether they asked about your goals. Key
Quick answer: When the RBI raises the repo rate, bond prices usually fall. So the unit price (NAV) of debt funds can dip in the short term, especially in longer-duration funds. Equity funds feel a smaller, indirect effect through company costs and market mood. On 7 October 2026, the RBI raised the repo rate to
Short answer: Equity mutual funds pay 20% tax on gains if you sell within 12 months. After 12 months, you pay 12.5% on gains above ₹1.25 lakh a year. Debt funds bought after 1 April 2023 pay tax at your slab rate, the rate on your total income. Holding longer does not reduce it. Key
Quick Answer Yes, most investors should raise their SIP (a fixed monthly investment) every year. A step-up SIP increases that amount each year. For example, a ₹10,000 SIP with a 10% yearly step-up could grow to about ₹33.4 lakh in 10 years. Without a step-up, it grows to about ₹23 lakh (assuming 12% yearly returns,
XIRR shows the yearly return on your SIP (a fixed amount invested every month). It counts the date of every instalment. Returns % ignores timing, so it can look much lower than your real yearly return. For a SIP, XIRR is the fairer number. Key Facts XIRR stands for Extended Internal Rate of Return. It
Quick answer: A nominee is the person who receives your money first. A legal heir is the person who owns it under the law or your will. In most cases, a nominee is only a trustee and must pass the money to the legal heirs. Insurance has a special rule for spouse, children and parents.
Quick answer: To choose stocks as a beginner, use two steps. First, use fundamental analysis to pick a good company: check profit growth, debt, return on equity, and price. Then use technical analysis to choose your buying time: check the price trend, support level, and volume. Start small and never put all your money in
Quick answer: For most beginners, a diversified mutual fund SIP is an easier start than picking stocks. A SIP spreads your money across many companies and needs less research. Stocks give you full control but need regular study. Many investors do both: a SIP for long-term goals, and a small amount to learn stocks. Key
Short answer: Act fast. Report the payment in your UPI app and call your bank on the same day. Then raise a dispute with NPCI. Your bank cannot take money back from the receiver without consent, so recovery is not guaranteed. If nobody solves it in 30 days, complain to the RBI Ombudsman. Key Facts
Quick answer: To build ₹1 crore in NPS, you need about ₹13,800 a month for 20 years. This assumes a 10% yearly return. At 8%, you need about ₹17,500, while at 12% you need about ₹10,900. However, starting earlier cuts the amount sharply. These are illustrations, not promises. Key Facts ₹13,800 a month for 20
Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. Before making an investment, please contact the investment expert at Deepak Wealth Framework for designing a portfolio that suits your needs. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.
AMFI Registered Mutual Fund Distributor | ARN - 328771 | Date of Initial Registration: 14/05/2025 | Current Validity: 13/05/2028.
