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Banking & PSU Funds

Seeking High Returns & Unwilling to Take Risk? Invest in Here!

  • Total Funds 40
  • Average annual returns 20.2%

money-icon Banking & PSU Funds

Seeking High Returns & Unwilling to Take Risk? Invest in Here!. More

  • Total Funds : 40
  • Average annual returns 20.2%

What is Banking and PSU Mutual Fund?

Banking and PSU funds are a great opportunity for investors who are willing to make investment in such sectors. Under these schemes, a minimum of 80% of the total assets are invested in the debt instruments of banks, public financial institutions, and public sector undertakings. The risk involved in such schemes is usually moderate on the principal amount invested. Therefore, it is suggested that the investors incline their money in it only after understanding well, their portfolio requirements.

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SIP of ₹5000 for the period of 5 Yrs edit

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Frequently Asked Questions

Who should invest in Banking and PSU Mutual Funds?

Banking and PSU funds are suitable for the investors who can digest high risk in search for higher returns. Moreover, these funds are not suitable for the investors who are stepping in the finance market with a short term investment perspective as they might end up delivering negative returns.

What is the minimum investment required for investing in Banking and PSU funds?

The minimum investment depends from one scheme to another. In general, for lumpsum investment the minimum investment can range from Rs. 500 to Rs. 5000. Whereas, in case of SIP, the range may vary between Rs. 500 to Rs. 1000. For authentic information, never forget to check the scheme related documents.

What is the investment philosophy followed by Banking and PSU companies?

The fund manager of Banking and PSU fund targets the best small sized companies having the potential to generate excellent gains in the future. Such companies do not have much resources as the large cap or mid cap companies but have high potential to outperform many big companies.

Why to invest in Banking and PSU funds?

Banking and PSU funds have more tendency of providing exceptional returns than the other categories of funds. Moreover, they can also be a suitable option for providing diversification to your portfolio.

How risky are Banking and PSU funds?

Banking and PSU funds are one of the riskiest mutual funds. But at the same time rewards are also high. Therefore, an investor who is willing to expose his corpus towards risk for fetching higher returns should invest in Banking and PSU funds.

Are Banking and PSU Funds for long term investment?

Yes, Banking and PSU funds are a suitable choice for generating long term capital appreciation. Moreover, in short term these funds can cause double digit losses to the investors. Thus, always maintain a long term investment perspective while investing in Banking and PSU mutual funds.

What is the benchmark of Banking and PSU Fund?

Benchmark is a standard with which a mutual fund competes in terms of growth & performance. Different Banking and PSU funds have different benchmark. Thus, read the mutual fund document carefully to know the benchmark.

What are the taxes applied on Banking and PSU Mutual Funds?

Banking and PSU funds are eligible for two types of taxes- STCG (Short Term Capital Gain) and LTCG (Long Term Capital Gain). STCG is the capital gain generated on the units which are hold for up to 1 year. The STCG tax imposed by the Government of India is 15%. LTCG is the profit generated on the units which are hold for more than one years. The LTCG levied is 10% for the profit above Rs. 1 Lakh.

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