SIP Investment
Invest a fixed amount every month and build a habit of long-term investing.
- Start with a small monthly amount
- Useful for salary-based planning
- Stay invested through market cycles
Mutual fund investments
Schemes we distribute.
Use this list to see the kinds of funds we discuss. A mutual fund is market-linked. The amount you see is an indicative minimum, usually for a SIP, taken from our plan list.
Lump Sum Investment
Put a surplus amount to work in one transaction when you already have funds ready.
- One-time allocation
- Suitable for bonuses or maturity proceeds
- Scheme choice depends on your horizon
Equity Mutual Fund
Growth-oriented schemes that invest mainly in shares. Values move with the market.
- Aimed at longer horizons
- Higher fluctuation than debt
- Read the scheme document before investing
Debt Mutual Fund
Schemes that invest in debt instruments. Generally used when stability matters more than aggressive growth.
- Lower equity exposure
- Still subject to interest-rate and credit risk
- Not a bank deposit
Hybrid Mutual Fund
A mix of equity and debt in one scheme, for people who want both participation and a cushion.
- Equity and debt together
- Allocation differs by scheme
- Match the mix to your goal
ELSS Tax Saving Fund
An equity-linked savings scheme with a lock-in, used by many investors for Section 80C planning.
- Lock-in applies
- Equity market risk remains
- Tax treatment depends on prevailing law
Child Education Fund
Goal-based investing aimed at school, college, or higher-education costs later.
- Map the amount to a future year
- SIP or lump sum, as you prefer
- Review the goal as fees change
Retirement Mutual Fund
Schemes used to accumulate a corpus for the years after you stop earning a salary.
- Long horizon works in your favour
- Shift the mix as retirement nears
- Not a guaranteed pension
HDFC Balanced Advantage Fund
A dynamic allocation scheme from HDFC Mutual Fund. Equity and debt weights can change with the market.
- Third-party scheme we distribute
- Allocation is managed by the fund house
- Past movement is not a future result
HDFC Flexi Cap Fund
A flexi-cap equity scheme that can invest across large, mid, and small companies.
- Equity scheme
- Market value will fluctuate
- Read the SID and KIM before you invest
HDFC Top 100 Fund
A large-cap oriented equity scheme focused on established companies.
- Large-cap equity exposure
- Still a market-linked product
- SIP from an indicative ₹500
SBI Magnum Midcap Fund
A mid-cap equity scheme from SBI Mutual Fund. Mid-caps can move more than large-caps.
- Third-party scheme we distribute
- Higher fluctuation is normal in this category
- Suitability depends on your horizon
HDFC and SBI scheme names belong to their fund houses. BNI Services distributes them; we do not manage those schemes. Read the Scheme Information Document and Key Information Memorandum. Past performance is not a guide to future performance.