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In January 2025, 61.32 lakh SIPs were discontinued.
Updated : Feb 12, 2025

Mutual Fund SIP outstanding accounts degrew by 5 lakh in January 2025: AMFI data

SIP contributions continued to be strong in January, crossing Rs 26,000 crore. The month recorded total inflows of Rs 26,400 crore, a slight 0.2% dip from December’s Rs 26,459 crore.

The net flows into small-cap funds have shown significant growth, rising by over 78% from Rs 3,209.33 crore in August 2024 to Rs 5,720.87 crore in January 2025.
Updated : Feb 12, 2025

Small & Midcap funds: Inflows in smallcap MFs jump to Rs 5,720.87 cr, midcap funds to Rs 5,147.87 cr; should you stay invested?

According to data from the Association of Mutual Funds in India (AMFI), in January 2025, the net flow into small-cap funds amounted to Rs 5,720.87 crore, higher than the Rs 4,667.70 crore recorded in December 2024. Meanwhile, midcap funds saw an inflow of Rs 5,147.87 crore during the same period.

It should be noted that several small-cap funds have shown negative returns on their one-year SIPs in the last six months.
Updated : Feb 11, 2025

'You will find it painful...': Deepak Shenoy on how to invest in mid-cap, small-cap SIPs

Amid discussions about whether to stay invested in SIPs of mid-caps and small-caps during market dips, Deepak Shenoy, Founder of Capital Mind, said that there is a 10-20% dip in the markets, and investors should expect such volatility in a market cycle.

Both the Nifty Midcap 100 and Nifty Smallcap 100 indices have fallen by 6% in the past two sessions, indicating a growing sense of caution in the market.
Updated : Feb 11, 2025

'Stop, start, time or play the dip...': Radhika Gupta of Edelweiss Mutual Fund breaks it for investors

Due to ongoing losses in the equity markets, many small-cap funds have displayed negative returns on their one-year Systematic Investment Plans (SIPs) over the past six months. This trend has caused concern among investors.

The majority of small-cap, midcap, and large-cap funds have displayed negative returns for SIPs over a one-year period.
Updated : Feb 11, 2025

Smallcap SIP investors face losses in all 29 schemes since Nifty rise in September 2024; what should investors know

Smallcap SIP investors: In the past 6 months, the Nifty Smallcap 250 Index has declined significantly by 11.68% over the past six months, though it maintained a positive return of 5.23% over the year.

RBI has said the redemption price for premature redemption due on February 11, 2025, shall be Rs 8,499.
Updated : Feb 11, 2025

Sovereign Gold Bonds: Rs 8,499 set as early redemption price for SGB 2019-20 Series IX; check details

Sovereign Gold Bonds: As per government regulations, premature redemption of these bonds is allowed after five years from the date of issuance, in line with the interest payment timetable. 

His advice to pull out “lock, stock, and barrel” from these segments has ignited discussions about market valuations and risk.
Updated : Feb 10, 2025

'All the risk is being borne by you...': Top fund manager S Naren’s caution on SIPs that's got everyone talking

Naren pointed out that the median P/E ratio for mid- and small-cap stocks has soared to 43x, a level he considers “absurd” and unsustainable.

While acknowledging the need for balance, Gupta emphasized that investing in mid- and small-caps is not inherently problematic if done through a reliable fund manager and a long-term strategy.
Updated : Feb 10, 2025

'Don't fall for fear mongering...': Radhika Gupta’s take on mid and small-cap SIPs amid concerns

Gupta in a post emphasized the importance of maintaining a sensible, diversified approach and holding investments for at least 10 years or more.

Under the new regulations, the tax treatment of debt mutual funds differs for investments made before or after April 2023.
Updated : Feb 08, 2025

Budget 2025, RBI repo rate cut: Debt mutual funds just got more tax efficient; check how

According to experts, investors who have invested in debt mutual funds may benefit from some significant tax-saving changes introduced in Budget 2025. However, the extent of tax benefits will vary depending on the timing of their investment.

The announcement of a review of the Income Tax Act came following the Union Budget 2024 in July.
Updated : Feb 08, 2025

New Income Tax Bill 2025: Less complex, increased compliance to unified tax rates - how taxpayers will be impacted

The Union Cabinet approved the new Income Tax Bill on Friday, which is poised to replace the existing Income Tax Act of 1961.

Experts advise investors to act quickly and lock in current interest rates before any potential changes are made by banks and NBFCs.
Updated : Feb 08, 2025

Fixed deposits: Book FD schemes at higher interest rates of 8% or more before banks slash rates; check details

The decrease in deposit rates results in diminished returns for fixed deposit (FD) investors, particularly senior citizens who depend on interest income.

For FY26, the Centre has budgeted Rs 3.43 lakh crore as net small savings compared to Rs 4.11 lakh crore in the revised estimate for FY25.
Updated : Feb 07, 2025

Small savings rates may see a cut going forward: Sources

Govt expects healthy contributions to PPF despite more taxpayers moving to new income tax regime

Experts believe that debt mutual funds have turned more attractive post the rate cut and investors should gradually increase their allocation to debt.
Updated : Feb 07, 2025

Debt Funds vs Fixed deposits: Is it wise to go for mutual funds after RBI's rate cut?

When interest rates decrease, the bonds within debt funds, especially those with higher coupon rates, become more valuable as they continue to provide higher interest rates compared to newly issued bonds. This increase in value pushes up bond prices, ultimately boosting the Net Asset Value (NAV) of the debt fund.

Experts feel investors who depend on Fixed Deposits (FDs) for income may have to explore other investment avenues to sustain their yields.
Updated : Feb 07, 2025

Will banks slash fixed deposit rates now with RBI repo rate cut? Should investors look for other avenues?

Investors should note the recent 25 basis points rate cut by the RBI signals a departure from the high-interest rate environment of the past four years.

An emergency fund provides financial support during income disruptions without having to rely heavily on credit cards or loans to cover daily expenses.
Updated : Feb 06, 2025

Should you skip your emergency fund and start investing right away? Expert shares his views

An emergency fund serves as a financial buffer specifically designated for unforeseen circumstances like medical emergencies, household repairs, or unexpected unemployment.

A repo rate by RBI might compel banks to lower their fixed deposit rates.
Updated : Feb 06, 2025

RBI MPC Meet: What lies ahead for fixed deposit investors if RBI MPC decides to slash repo rate?

The RBI's repo rate impacts the interest rates banks charge for loans and the rates they set for investments like fixed deposits. It acts as a guide for banks on the interest rates they should offer.

Your home loan's equated monthly installments (EMIs) may drop if RBI MPC slashes the repo rate on February 7.
Updated : Feb 06, 2025

EMI relief for home loan buyers? What happens to loan rate if RBI cuts interest rates on Friday 

The RBI repo rate is a crucial factor in determining loan rates, including those for home loans. A dip in the repo rate by the RBI generally leads banks to slash their lending rates, resulting in lower interest rates on home loans, whether fixed or floating, and vice versa.

The NPS Vatsalya scheme, launched in September 2024, assists parents in strategising for their children's financial stability.
Updated : Feb 06, 2025

Budget 2025: Investment in NPS Vatsalya to get tax benefit of up to Rs 50,000; check details    

Finance Minister Nirmala Sitharaman expanded tax exemptions for NPS Vatsalya, including Sections 80CCD(1B), 12(B), and 80CCD(3). This exemption is above the normal Rs 1.5 lakh under Section 80C. 

Successful investing is about building a robust financial foundation that can weather various life scenarios while supporting your long-term goals.
Updated : Feb 05, 2025

I have extensively invested in Nifty 50 Index fund over the years. Should I diversify my investment strategy with market ups and downs?

It is recommended for investors to establish an emergency fund that can cover 6-9 months of expenses, which should be held in liquid investments such as arbitrage funds. The emergency fund can serve as either a long-term or short-term financial buffer. The amount of money set aside to build this fund should equate to several months' worth of expenses.

The taxation of Unit Linked Insurance Policies (ULIPs) has been significantly changed in the Union Budget 2025.
Updated : Feb 05, 2025

Tax exemptions on ULIP: These investors are set to gain on taxes; check what Budget 2025 proposed

As per Budget 2025, starting April 1, 2025, all insurance policies acquired from an IFSC registered office will receive tax exemption under section 10(10D), regardless of premium amounts exceeding Rs 2.5 lakh for ULIPs and Rs 5 lakh for other policies.

SGBs from the secondary market are currently trading at a minor discount to the gold price, making them attractive investments than direct gold.
Updated : Feb 05, 2025

Sovereign Gold Bonds (SGB) discontinued: Should you buy from the secondary market? 

With no fresh issuances, there is an opportunity to buy SGBs through the secondary market.

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