Mutual Funds – Invest & Buy Mutual Fund Online

Dec 16, 2025
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Investing is no longer a luxury limited to the elite. It has become a necessity for every individual who aims to secure their financial future. Among the plethora of investment options available today, mutual funds stand out as a versatile and powerful tool. One of the leading players in this domain is Nippon India Mutual Fund, previously known as Reliance Mutual Fund. With a robust legacy, consistent performance, and an investor-first approach, Nippon India Mutual Fund has earned a solid reputation in the Indian financial market.

In this blog, we delve into every aspect of Nippon India Mutual Fund including its history, schemes, advantages, how to invest, returns, risks, and FAQs. Whether you are a beginner or an experienced investor, this guide will provide valuable insights into making informed decisions.

1. About Nippon India Mutual Fund

Nippon India Mutual Fund is one of the largest mutual fund houses in India. It was earlier known as Reliance Mutual Fund and was part of Reliance Capital. In 2019, Nippon Life Insurance Company, a Japanese financial services giant, acquired a majority stake and rebranded the company as Nippon India Mutual Fund.

The AMC (Asset Management Company) manages assets across a wide range of products including equity, debt, hybrid, ETFs, and international funds. The fund house is known for its strong distribution network, extensive reach, and innovative product offerings.

Key highlights:

Strong global backing by Nippon Life
Presence in over 300 cities across India
Offers a variety of funds for different risk profiles

2. Types of Nippon India Mutual Funds

a) Equity Mutual Funds

These funds invest primarily in stocks and are suitable for investors looking for long-term capital appreciation. Nippon India offers several equity schemes based on market capitalization and sector focus.

Popular options include:

Nippon India Small Cap Fund
Nippon India Large Cap Fund
Nippon India Growth Fund

b) Debt Mutual Funds

Debt funds invest in fixed income securities like bonds, government securities, and treasury bills. They are relatively safer and ideal for conservative investors.

Popular options include:

Nippon India Corporate Bond Fund
Nippon India Liquid Fund
Nippon India Gilt Fund

c) Hybrid Funds

These funds invest in a mix of equity and debt to balance risk and return. They are suitable for moderate risk-takers.

Popular options include:

Nippon India Equity Hybrid Fund
Nippon India Balanced Advantage Fund

d) Index Funds and ETFs

These funds track a particular index such as Nifty 50 or Sensex. They are passively managed and have lower expense ratios.

Popular options include:

Nippon India Nifty 50 ETF
Nippon India Junior BeES

e) International Funds

These allow Indian investors to gain exposure to global markets. Nippon India US Equity Opportunities Fund is one such example.

3. Why Choose Nippon India Mutual Fund?

Here are some compelling reasons why Nippon India Mutual Fund remains a preferred choice:

a) Trusted Legacy

With a strong lineage from Reliance and the global expertise of Nippon Life, investors get the best of both worlds—local knowledge and international practices.

b) Diverse Portfolio

The fund house offers over 100 schemes across categories, helping investors diversify their portfolios easily.

c) Strong Track Record

Many of Nippon India’s funds have consistently outperformed their benchmarks, especially in the equity small-cap and hybrid categories.

d) Seamless Online Access

With digital-first operations, investors can start SIPs, redeem, switch, and monitor their funds easily using apps and the official website.

e) Transparent Operations

NAVs are updated daily, portfolios are disclosed regularly, and expense ratios are competitive, ensuring investor confidence.

4. How to Invest in Nippon India Mutual Fund

Step 1: Choose a Fund

Identify your investment goal—growth, income, tax saving, or diversification—and select a fund accordingly. For example, if you want high growth and are willing to take risks, go for equity funds.

Step 2: KYC Compliance

You must complete your Know Your Customer (KYC) process using your PAN, Aadhaar, address proof, and a photograph. Most platforms offer e-KYC now.

Step 3: Select Investment Mode

Decide between lump sum investment or SIP (Systematic Investment Plan). SIPs are ideal for salaried individuals aiming for disciplined investing.

Step 4: Invest Online or Offline

You can invest via:

Official Nippon India website
Third-party apps (Groww, Zerodha Coin, Paytm Money)
Distributors and brokers
Bank branches offering Nippon India funds

5. Returns and Performance

Returns depend on the fund category, market condition, and investment horizon. For example:

The Nippon India Small Cap Fund has delivered exceptional returns over the long term but is also more volatile.
The Nippon India Liquid Fund provides stable and lower returns, ideal for short-term parking of funds.

It is crucial to align your investment horizon and risk appetite with the type of fund you choose. Equity funds are best for a 5-10 year window, while debt and liquid funds suit 1-3 years.

6. Risks Involved

No mutual fund is completely risk-free. Some risks to consider:

a) Market Risk

Equity funds are subject to stock market fluctuations.

b) Credit Risk

Debt funds may invest in instruments with lower credit quality, posing the risk of default.

c) Interest Rate Risk

When interest rates rise, bond prices fall, affecting debt fund returns.

d) Liquidity Risk

Some schemes may face challenges in liquidating assets quickly, especially in volatile markets.

However, Nippon India follows stringent risk management frameworks and offers multiple options to mitigate these risks through fund diversification.

7. Taxation of Nippon India Mutual Funds

Equity Funds

STCG (Short-term capital gains): Taxed at 15% if held for less than 1 year.
LTCG (Long-term capital gains): Taxed at 10% if gains exceed Rs. 1 lakh after 1 year.

Debt Funds

STCG: Added to your income and taxed as per your slab.
LTCG: Taxed at 20% with indexation if held for more than 3 years.

SIP Taxation

Each SIP installment is treated as a separate investment and taxed accordingly based on the holding period.

8. SIP vs Lump Sum in Nippon India Mutual Funds

SIP (Systematic Investment Plan)

Ideal for salaried individuals
Reduces market timing risk
Encourages discipline
Good for long-term goals like retirement or children's education

Lump Sum

Suitable when you have a large corpus ready
Ideal in a bullish market or when valuations are attractive
Requires timing and understanding of the market

Both modes have their advantages, and a combination approach may work best for many investors.

9. Nippon India ELSS: Tax Saving Option

Nippon India Tax Saver (ELSS) Fund allows investors to save tax under Section 80C of the Income Tax Act. It comes with a 3-year lock-in period, which is the shortest among tax-saving instruments. Apart from tax benefits, ELSS offers equity exposure and potential for higher returns.

10. Nippon India Mutual Fund App and Customer Service

The fund house offers a dedicated mobile app called Nippon India MF App that allows:

One-click SIP setup
Transaction history
Portfolio view
Instant redemption in liquid funds
Fund recommendations

They also have a responsive customer support team available through call, chat, and email.

11. Who Should Invest in Nippon India Mutual Fund?

Nippon India offers solutions for all investor types:

First-time investors: Liquid or balanced funds
Young professionals: Equity SIPs for long-term growth
Retirees: Debt or hybrid funds for income
Taxpayers: ELSS fund to save tax and build wealth

Whether your goal is wealth creation, capital preservation, or tax saving, there is a suitable Nippon India Mutual Fund scheme for you.

12. Tips for Investing in Nippon India Mutual Fund

Always define your investment goal
Match your risk appetite with the fund type
Start early to leverage the power of compounding
Review fund performance periodically
Use SIPs for disciplined investing
Consult a financial advisor if needed

FAQs on Nippon India Mutual Fund

Q1. Is Nippon India Mutual Fund safe to invest in?
Yes, Nippon India Mutual Fund is regulated by SEBI and backed by Nippon Life, one of Japan’s largest insurers. Like all mutual funds, it carries market-related risks, but the company maintains strict compliance and risk management standards.

Q2. What is the minimum amount to start SIP in Nippon India Mutual Fund?
You can start a SIP with as little as Rs. 100 per month in selected schemes, making it accessible for all investors.

Q3. Can I switch between Nippon India schemes?
Yes, investors can switch from one scheme to another within the Nippon India Mutual Fund family based on changing goals or market conditions.

Q4. How do I redeem my investment?
You can redeem online through the Nippon India website, mobile app, or your investment platform. For liquid funds, instant redemption is available up to a certain limit.

Q5. What are the charges involved?
Mutual funds have an expense ratio that covers fund management fees. There may be an exit load if you redeem within a short duration (usually 1 year for equity funds). All charges are transparently disclosed in the scheme document.

Q6. Can NRIs invest in Nippon India Mutual Funds?
Yes, Nippon India Mutual Fund accepts investments from NRIs, except from countries like the US and Canada due to regulatory restrictions.

Q7. How to track performance of Nippon India Mutual Fund?
You can track your fund’s NAV and performance through the Nippon India website, mobile app, or third-party platforms like Moneycontrol and Value Research.

Q8. What happens if I stop SIPs?
Stopping SIPs does not affect your existing investment. It will continue to grow until you decide to redeem.

Q9. Which Nippon India fund is best for beginners?
For new investors, hybrid funds or large-cap equity funds are safer choices. The Nippon India Balanced Advantage Fund is a good starting point.

Q10. Are Nippon India Mutual Funds better than bank FDs?
While FDs offer guaranteed returns, mutual funds have the potential to deliver higher returns over the long term, especially equity and hybrid funds. They do carry higher risk compared to FDs.

Conclusion

Nippon India Mutual Fund stands tall as a dependable and innovative asset management company in India. Whether you’re looking to grow wealth over the long term, save tax, or create a secondary source of income, Nippon India offers a suitable fund to meet every financial goal. With a wide array of products, strong governance, and investor-friendly tools, it’s an excellent option for both new and seasoned investors.

Before investing, always evaluate your goals, time horizon, and risk tolerance. Mutual funds are subject to market risks, and past performance is not indicative of future returns. A well-informed investment backed by research and discipline can lead to substantial financial gains over time.