Mutual Fund Ke Types – Beginners Guide 2025

Mutual Fund ek diversified investment option hai jo alag-alag categories me aata hai. Har type ka mutual fund alag risk aur return deta hai. Agar aap beginner hain to in types ko samajhna bahut zaroori hai.

1. Equity Mutual Fund

Yeh fund stock market me invest karta hai. High return potential hota hai lekin risk bhi zyada hota hai.

• Best for: Long term investors
• Time horizon: 5+ years

2. Debt Mutual Fund

Yeh fund bonds, debentures aur fixed income securities me invest karta hai. Risk kam hota hai aur stable return milta hai.

• Best for: Low risk investors
• Time horizon: 1–3 years

3. Hybrid Mutual Fund

Is fund me equity aur debt dono ka mix hota hai. Risk aur return balanced hote hain.

• Best for: Medium risk investors
• Time horizon: 3–5 years

4. Index Fund

Yeh fund kisi stock market index (jaise Nifty 50, Sensex) ko follow karta hai. Passive management hota hai.

• Best for: Beginners & low cost investors
• Time horizon: 5+ years

5. ELSS (Equity Linked Savings Scheme)

Tax saving mutual fund jisme aapko section 80C ke under ₹1.5 lakh tak ka tax benefit milta hai. Iska lock-in period 3 years hai.

• Best for: Tax saving + growth
• Time horizon: Minimum 3 years

6. Sectoral/Thematic Fund

Yeh fund kisi ek sector (jaise IT, Pharma, Banking) me invest karta hai. High return ke sath high risk hota hai.

• Best for: Experienced investors
• Time horizon: 5+ years

Conclusion

Aapke investment goal aur risk appetite ke hisaab se mutual fund type choose karna chahiye. Beginners ke liye Equity, Hybrid aur Index Funds best options hote hain.