About Mutual Funds
Loanpao’s Mutual Funds offer a diversified investment option managed by experts. Invest in equity, debt, or hybrid funds through Systematic Investment Plans (SIPs) or lump sums to build wealth over time, suitable for various risk profiles and financial goals.
Why Choose Mutual Funds?
- Investment Options: Equity, debt, hybrid, and ELSS funds
- Minimum Investment: ₹500/month for SIPs, ₹5,000 for lump sum
- Expected Returns: 8–12% (debt), 12–15% (equity) annually
- Flexibility: Start/stop SIPs anytime, partial withdrawals
- Tax Benefits: ELSS funds qualify for Section 80C (up to ₹1.5 lakh)
- Professional Management: Fund managers optimize returns
- Liquidity: Redeem units within 1–3 days (except ELSS lock-in)
Are You Eligible?
| Criteria | Requirement |
|---|---|
| Applicant Type | Indian resident, NRI, or HUF |
| Age | 18 years and above (minors via guardian) |
| KYC Compliance | Mandatory for all investors |
| Bank Account | Active savings account for transactions |
| Investment Amount | ₹500/month (SIP) or ₹5,000 (lump sum) |
What Documents Do You Need?
- KYC: Aadhaar, PAN, or passport
- Address Proof: Utility bill or rental agreement
- Bank Details: Cancelled cheque or bank statement
- Photograph: Passport-size
- Investment Proof: For lump sum investments (if required)
Indicative Returns
| Fund House | Fund Type | 5-Year Annualized Return |
|---|---|---|
| SBI Mutual Fund | Equity (Large Cap) | 12–14% |
| HDFC Mutual Fund | Debt (Short-Term) | 7–9% |
| ICICI Prudential | Hybrid (Balanced) | 10–12% |
| Aditya Birla SL | Equity (Mid Cap) | 13–15% |
| Axis Mutual Fund | ELSS (Tax-Saving) | 11–13% |
Extra Charges:
- Expense Ratio: 0.5–2% annually
- Exit Load: 0–1% if redeemed within 1 year
- GST: 18% on fund management fees
Note: Returns are indicative as of May 2025, based on past performance, and not guaranteed. Market risks apply.
Calculate Your SIP Returns
Enter values and click Calculate Returns to see results.
How to Invest in Mutual Funds
- Visit loanpao.in or contact our investment partners.
- Choose funds from top houses like SBI, HDFC, or ICICI Prudential.
- Select SIP or lump sum based on your budget.
- Complete KYC with PAN, Aadhaar, and bank details.
- Fill out the application form online or offline.
- Pay via net banking, UPI, or ECS for SIPs.
- Receive investment confirmation within 2–5 days.
Common Questions About Mutual Funds
What are Mutual Funds?
Pooled investments in stocks, bonds, or other assets, managed by professionals.
What is a Systematic Investment Plan (SIP)?
A method to invest fixed amounts regularly (e.g., monthly) in mutual funds.
Are mutual funds safe?
They carry market risks but are regulated by SEBI; risk varies by fund type.
What is the expense ratio?
Annual fee (0.5–2%) charged by the fund house for management.
Can I stop my SIP?
Yes, you can pause or stop SIPs anytime without penalty.
What are ELSS funds?
Tax-saving equity funds with a 3-year lock-in, eligible for Section 80C.
How are returns taxed?
Equity funds: 10% LTCG (above ₹1 lakh); Debt funds: As per income slab.