Mutual Funds FAQs

A mutual fund pools money from many investors and invests it in shares, bonds or other securities according to a stated objective. A professional fund manager runs the portfolio, and you hold units whose value (the NAV) changes with the market value of the fund’s holdings.

Every scheme has both. A Regular Plan is bought through a distributor such as GTDIS, and its expense ratio includes the commission paid to the distributor. A Direct Plan is bought directly from the fund house and has a lower expense ratio. GTDIS offers Regular Plans only. See our commission disclosure.

You need to be KYC-compliant. That usually means:

• PAN card
• Proof of address (such as Aadhaar)
• A bank account in your name
• A photograph and signature

We help you complete KYC and registration online or at your doorstep.

No. Mutual funds are market-linked and returns are not guaranteed or assured. The value of your investment can go down as well as up, and past performance may or may not be sustained in future.

You can place a redemption request online through your investor login or with our help. Money from most equity funds reaches your bank account in two to three business days, and from most debt funds in one to two. Some schemes charge an exit load if you redeem within a set period, and ELSS funds have a three-year lock-in.