| Equity Sector Funds |
Investing in a specific sector of Equity Share. E.g.: Infotech Fund, FMCG Fund, Pharma Fund |
Very High |
Variable |
Investors understanding that specific sector |
| Equity / Growth Diversified Funds |
Investing in Equities of various sectors, so that the risk is diversified |
Reasonable over a period of 3 years |
15-20% over medium-long term |
Long term investors for 3 years & above |
| Balanced Funds |
Investing 60% in Equity & 40% in Debt. Hence less volatile as compared to Equity funds & aims for higher returns as compared to Pure Debt funds |
Average Risk - Returns |
10-15% over medium-long term |
Those who want best of both Equity & Debt |
| MIP's / Income Plus |
Majorly invest in Debt with 10-25% exposure in equities |
Low Risk & Average Returns |
9-12% |
All
For 1 year & above |
| Income / Debt Funds |
Investing majorly in high quality debentures & bonds of highly reputed corporates & institutions & also in Gilts & Money Market |
Low Risk & Average Returns |
7-9% |
All
For 1 year & above |
| Gilt Funds |
Investing only in Government Securities |
Low |
7-9% |
All
For 1 year & above |
| Short Term Funds |
Investing in Short Maturity |
Very Low |
7-8% |
For 6-12 mths |
| Floating Rate Funds |
Investing in Short Maturity |
Very Low |
4-5% |
For 1-6 mths |
| Liquid / Money Market Funds |
Investing in call money market, treasury bills, CD's, CP's, etc. where the liquidity is very high |
Very Low |
4-5% |
Businessmen & Corporates |
