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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important nondeposit taking Non-Banking Financial Company (NBFC) and the holding
company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans,
Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,740
No. of Employees
68,400
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.91 Lakh Cr
Consolidated Lending Book
INR 2 Lakh CrABCL
Corporate Governance Policies
- Policy for appointment of Statutory Auditors
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- Corporate Social Responsibility
- Fair Practices Code
- Internal Guidelines on Corporate Governance
- Familiarization Programme for Independent Directors
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Financial and Debt-Related Policies
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66,000 EMPLOYEES
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₹ 6 Lakh Cr
ASSETS UNDER MANAGEMENT
₹ 1.90 Lakh Cr
CONSOLIDATED LENDING BOOK
Advantages of index mutual funds
No investment bias
Since the portfolio imitates the benchmark index, fund managers don’t pick the securities. Thus, there’s no investment bias.
Low cost
Being passively managed, index funds have a very low Total Expense Ratio allowing you to get higher returns.
Diversified portfolio
You get to invest in a diversified portfolio of stocks and securities which help in mitigating investment risks while enhancing returns.
Types Of Debt Funds
Most Popular
AUM: 23427(Cr)
Risk: Very High
- MIN. INVESTMENT 500
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹10000
- Get (30 Yrs) ₹24,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: High
- MIN. INVESTMENT 1000
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹15000
- Get (30 Yrs) ₹34,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: Very High
- MIN. INVESTMENT 500
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹10000
- Get (30 Yrs) ₹24,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: High
- MIN. INVESTMENT 1000
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹15000
- Get (30 Yrs) ₹34,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: Very High
- MIN. INVESTMENT 500
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹10000
- Get (30 Yrs) ₹24,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: High
- MIN. INVESTMENT 1000
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹15000
- Get (30 Yrs) ₹34,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: Very High
- MIN. INVESTMENT 500
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹10000
- Get (30 Yrs) ₹24,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: High
- MIN. INVESTMENT 1000
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹15000
- Get (30 Yrs) ₹34,850*
*Projections/estimations is backtested using historical data.
Index funds returns Calculator
Know how much your index fund investment can yield. Use the Aditya Birla Sun Life Mutual Fund (ABSLMF) calculator for quick calculations.
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Understanding Index Funds
Table of Contents
What are Index Funds?
Index funds are passively managed mutual funds wherein at least 95% of the portfolio is allocated matching the allocation of the benchmark index. The weight of each security also matches the weight in the benchmark index. The fund, thus, aims to mirror the returns of the index.
What are the features of index funds?
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Passively-managed mutual fund schemes.
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SIP or lump sum investment.
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Tracks a particular index.
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Diversified portfolio of securities.
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Lower expense ratio since active fund management is not involved .
How Index Fund works?
Index funds collect money from different investors and pool it in a corpus.
A benchmark index is identified and the corpus is allocated to the securities comprising the said index.
For instance, if the benchmark index is Nifty 50, the portfolio would allocate the corpus into 50 stocks which comprise Nifty 50.
The weightage of each security in the portfolio matches the weightage of the security in the chosen index.
For instance, if stock A has an allocation of 25% of the Nifty 50 index, it will have an allocation of 25% of the overall portfolio of the index fund.
The performance of the portfolio of the index fund matches the performance of the chosen index. There might be a tracking error, though.
Fund managers simply rebalance the portfolio to ensure that the weightage of each security matches that of the index.
What should you know before investing in index funds?
There is, usually, a tracking error when it comes to returns. The fund’s returns might be slightly lower than the index returns.
Tracking error happens because it is challenging to match the index at all times
If you choose equity-oriented funds, there will be volatility risk
Equity funds can deliver attractive returns on investments over long period of time
Who should invest in index funds?
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Investors who don’t want to track their portfolios regularly.
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Investors with a limited risk appetite looking to invest in a specific index
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Investors who don’t want investment bias on the fund manager’s part.
What is the tax implication of index funds?
Index funds are treated as equity funds for the purpose of taxation.
Gains earned from index funds are subjected to long-term and short-term capital gains tax
Short term capital gain is taxed at 15%.
Long term capital gain exceeding Rs.1 lakh are taxed at 10%.
Dividend income received is taxed at your tax slab rate.
What are the popular indices under index funds?
NIFTY 50 - Investing in the top 50 stocks of Nifty.
NIFTY Midcap 150 - Investing in 150 mid-cap stocks listed on Nifty.
NIFTY Next 50 - Investing in the next 50 stocks of Nifty
NIFTY Smallcap 250 - Investing in 250 stocks in the small-cap segment
Bonds
Guaranteed returns, liquid trading
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Diverse bond types
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Stable portfolio returns
ULIP
Invest and secure with ULIPs
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Market-linked returns
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Flexibility: withdraw, switch, top up
Other asset-class funds
Debt Funds
Invest in debt securities for low risks and stable returns.
ETF Funds
Invest in funds listed and traded on the stock exchange
Know More
Fund of Funds
Mutual funds that invest in other mutual funds both in India and globally
Know More
Hybrid Funds
Get a mix of equity, debt and other asset classes for a diversified portfolio
Know MoreABC Of Money