Equity Funds
Designed for long-term capital appreciation by investing in shares of high-growth companies.
How we help
Equity funds invest mainly in the shares of listed companies. Their value moves with the stock market and can fall sharply within a year, so they are generally used for goals at least five to seven years away.
Categories include large cap, mid cap, small cap, flexi cap and sectoral or thematic funds, and each carries a different level of risk. We match the category to your goal and your risk profile before suggesting a scheme.
Most investors build an equity holding through a SIP. We review the portfolio with you periodically so that it stays tied to the goal it was bought for.
What it covers
- Large, mid, small and flexi cap funds
- Investment by SIP or lump sum
- Periodic portfolio reviews
Offered as an AMFI-registered mutual fund distributor, not a SEBI-registered investment adviser: no advisory fee is charged, trail commission is paid by the asset management company and disclosed, and no return is assured.
Before you decide
Points to check
- 01A time horizon of at least five to seven years
- 02Your comfort with the value falling sharply in a bad year
- 03The fund's category and what it invests in
- 04The expense ratio and any exit load
- 05How gains will be taxed when you redeem
Common questions
What people ask us about Equity Funds
How are gains on equity funds taxed?
Under current rules, gains on units held for more than 12 months are long-term and taxed at 12.5%, after an exemption of ₹1.25 lakh a year on total long-term equity gains. Gains on units held for 12 months or less are taxed at 20%.
Should I invest by SIP or lump sum?
A SIP spreads purchases over time and suits a regular income. A lump sum invests money already in hand at once. Neither guarantees a better result; we discuss which fits your situation.
Can I withdraw at any time?
Open-ended equity funds can be redeemed on any business day, subject to any exit load. ELSS funds are the exception, with a three-year lock-in.
More in Mutual Fund & Investment Options
- Debt FundsFocused on steady, regular income and capital preservation through fixed-income securities.Learn more
- Hybrid FundsBalanced portfolios combining equity and debt to optimize returns while managing risk.Learn more
- Tax-Saving Funds (ELSS)Equity-linked schemes that help you grow wealth while optimizing your tax liabilities.Learn more
Shree Sai Insurance is the practice of Amit Dhirajlal Waghela, an AMFI-registered mutual fund distributor (ARN-166386), not a SEBI-registered investment adviser. The firm earns commission from asset management companies on the schemes it distributes, does not charge a fee for distribution, and does not guarantee returns. Insurance is offered separately from the mutual fund distribution business. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.