Compare - Mutual Funds

Group Fund provided me the additional capital – when I needed it the most – for expanding my business. Ever after, I never thought of chit funds the way I did! - K.P. Loknath, Builder.

With GroupFunds the purchase of any asset (car, house, gold, etc.) becomes easier because of the breaking-up of capital cost into smaller amounts. You can build the finance for your asset according to your convenience, advance planning, and repayment capacity. - K. Muralidhar , Project Manager, TCS, Hyderabad

GroupFund offers the best source of finance at lower interest rates, and also provides insurance against unforeseen contingencies. Unlike financial institutions, I can draw upon my fund for any purpose – education, marriage, religious function, spiritual tour, medical expenses, or just about anything! - Sridhar, Team Lead, Infosys

I always wanted to buy a high-end digital camera to pursue photography, but did not have enough money. I was skeptical about finance from banks. Group Fund provided me the necessary finance. Group Fund is not only reliable, transparent, and trustworthy, but obtaining finance when you need is hassle-free and quick, with minimum documentation. - Bharadwaj, Web Developer in TrendaSource

Group Fund lets your worry about car finance take a back seat, allowing you to occupy the box-seat! - S. Giridhar, Project Manager, SRAOSS

Getting a home loan is easy these days, but paying it back is a big problem. Group Fund allows me great flexibility in repaying my debt in small and easy installments. - G. Manohar, HR, Pegasys

When my daughter’s marriage got fixed, I was worried about arranging finance within a short period of time. Group Fund came to my rescue like a savior. I was also able to pay off the loan without any hassles. - S. Anand Swamy, Designer, OMS3

My daughter was very keen in pursuing her higher studies in medicine from abroad. Group Fund helped my daughter in realizing her dream. Unlike banks, I got the money I required without any documentation or delay. Group Fund gave me both joy and peace of mind. - M. Santoshi, HR, APS Associates

After my retirement, I was worried about my finances. But, thanks to Group Fund, all my worries have now been put on the back-burner! - K. Nandu, TL, Soft Tech

My mother fell sick suddenly and had to be hospitalized. She had to undergo a major operation of the spinal cord. I fell short of money and at that time, Group Fund gave my mother a new lease of life by providing the necessary finances. - M K. Mohan, Programmer, MMG

Compare - Mutual Funds

Easy Access Simple eligibility criteria, logical documentation and quick processing.

Know Your Group Know the details of other members of your group to assess the individual risk.

Pay at your convenience Internet banking, Debit card, or request for FREE cash pick-up.

Online Auctions Participate in monthly scheduled auctions from anywhere in the world.

Quick Disbursements Loan disbursement within 7 business days of submitting required docs.

Professional Networking Connect with like minded professionals and leverage the contacts.

Mutual Fund investments are generally made through SIP by participants in the new economy. SIP is an acronym for Systematic Investment Plan. That means you invest fixed amounts at pre-determined periods in your mutual fund. Depending on the net asset value (NAV) on the date of your purchase, you will get units assigned to you. The three types available are: Quarterly SIP (invest in units once in 3 months), monthly SIP (every month) and daily SIP (every day). At the most trivial level, the return that a fund gives over a given period is just the percentage difference between the starting Net Asset Value (price of unit of a fund) and the ending Net Asset Value. Returns by themselves don't serve much purpose. The purpose of calculating returns is to make a comparison. Investors can approach distributor or the fund house directly and fill in application form giving bank account details, the duration of the SIP, the SIP amount and the date and frequency at which the SIP is to be directly debited from bank account into the mutual fund.

Employees, Professionals and Businessmen in the knowledge sectors get attracted to SIPs of mutual funds for the following reasons:

Rupee cost averaging: Investors have no need to time the market for their entry while investing. The investments get averaged out by investing through SIP on monthly or quarterly basis in MF schemes. It reduces the risk of investing when markets are volatile.

Power of compounding: Investments early in life helps to get the benefit of compounding on invested amount in long term. So, through SIP an investor can start investing nominal amount consider Rs 100, Rs 500 or Rs 1000 of his savings to get the benefits of compounding by investing in mutual funds.

Discipline: Regular savings and investments are an easy way to build the corpus compare to investing a lump sum amount in one go.

Ease while investing: You can choose the option of Auto debit/ECS while filling the SIP form of any monthly/quarterly date or give post dated cheques for the amount you wish to invest in MF schemes.

However, if we were to compare these best performing SIPs across time, the returns were highly volatile in the past. In the year 2008, these star performers wiped out nearly 50% of their investment because stock markets had a free fall. Hence, any investors in SIPs cannot hope to meet contingencies in future by selling them as the most opportune time to sell will actually determine the returns. Group Funds are far superior to these SIPs as there is greater certainty of returns and if the member chooses to stay till the end of the fund tenure the returns can be the highest. Group Funds are more focused on different segments of the knowledge society and hence can be availed to generate higher returns while driving down the cost of borrowing in case of emergencies.

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