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Invest in Mutual fund

Mutual Fund Investments

come with risks, and it's important to
understand your risk tolerance and investment
objectives before investing.

Assess Your
Risk Tolerance

Understanding Your
Comfort Zone for Informed
and Secure Financial

Track your Mutual
Fund Investments

Access and Manage all
your mutual fund
investments in one app

Primary Attributes
of Mutual Fund Investing


Mutual funds pool money from
multiple investors to invest in a
variety of assets, spreading risk
and potentially increasing returns.


Skilled fund managers handle
investment decisions, leveraging
expertise to navigate the market
and optimize your investments.


Enjoy easy access to your funds,
with most mutual funds allowing
redemptions at any time,
providing a level of liquidity.

Variety of Funds

Choose from equity funds, debt funds,
hybrid funds, Index funds , Exchange Traded Fund’s and more,
catering to different risk appetites
and financial goals.


Start with a modest investment
(Rs 100 onwards) and benefit from the
collective buying power of the fund.


Regular updates on fund performance,
holdings, and expenses keep you informed
about your investment's progress.

Tax Efficiency

Some funds offer tax benefits, like Equity-Linked
Savings Schemes (ELSS), which offer potential
tax deductions under the Income Tax Act.


Easy investment through systematic investment
plans (SIPs) or lump-sum investments, with options
to manage your funds online.

Low Entry Barrier

Mutual funds allow you to invest
with minimal initial capital, making
investing accessible to a broader audience.

and Oversight

Mutual funds are regulated by market
watchdogs to ensure investor protection,
making them a safer investment avenue.

Potential for Growth

Depending on the type of fund, mutual
funds provide the potential for capital
appreciation and steady income.

Investment Expertise

Benefit from the research and insights of
experienced fund managers, saving you time
and effort in researching individual stocks or bonds.


Dividends and gains can be automatically
reinvested, potentially compounding your
wealth over time.

Goal Customization

Choose funds that align with your short-term
or long-term financial objectives, whether it's
retirement, education, or wealth accumulation.

Investment Plan (SIP)

Check how your Systematic Investments can contribute
to your long term financial goals.

Frequently Asked Questions
Mutual Funds

What is Mutual Funds?

As the name suggests, mutual funds are funds where money from different investors gets pooled and invested by professional fund managers into different asset classes like Shares, Bonds, Currencies, Gold, Silver, Government Securities etc.

What is NAV?

NAV refers to Net Asset Value. It is the current value of Total Asset reduced by the current value of total liabilities divided by the total number of outstanding units. The AMC declares NAV on a daily basis. Based on NAV, an investor can assess the performance of his investments.

What are the different types of Mutual Funds?

There are four types of Mutual Funds:

  1. Equity Funds
  2. Debt Mutual Funds
  3. ELSS Funds
  4. Index Funds
What is an equity fund?

As the name suggests, an equity mutual fund is a fund that invests predominantly in shares of different companies. A fund is classified as an equity fund where more than 60% of the total assets are invested in the equity shares. These are also referred to as Growth Funds.

What is a Debt Fund?

Debt funds predominantly invest in Debt Instruments like Corporate Bonds, Debentures, other money market instruments etc. These are also referred to as Fixed Income Funds or Bond Funds.

What are ELSS Funds?

ELSS stands for Equity Linked Savings Scheme Funds. It is a close-ended diversified fund with a lock-in period of 3 years. They also offer a tax advantage as ELSS investment is allowed a deduction u/s 80C of the Income Tax Act.

What is an Index Fund?

An index fund is a fund that mimics a particular index like Nifty 50, Nifty bank etc. These are passive funds. These funds have a lower expense ratio.

How does airpay money processes MF orders?

airpay money usages services of BSE Star for order processing and enabling payments thereof.

What is BSE Star?

BSE Star is a service enabler which facilitates Mutual Fund order processing and payment thereof.

How can I make the payment to buy a mutual fund?

Following are the accepted modes of payment :

  1. UPI Upto INR 1 Lac
  2. Net Banking upto INR 10 Lac
After placing an order, how much time does it take to allot mutual fund units?

After releasing the funds, AMCs take around 1-2 days to allot MF units against your portfolio.

In case of a failed transaction, how can I reinitiate the payment against the order?

Payment cannot be reinitiated against a failed order. You need to generate a fresh order to make the payment again.

At what NAV will my units get allotted?

Where an AMC realizes payments before 30 minutes of the stipulated cutoff time, NAV shall be applied as follows :For Liquid Funds:- Previous Day's NAV For Non Liquid Funds:- Same Day's NAV

What is the cut off time to make the payment against an order?

Liquid Funds:- 1:30 pm

For Non-Liquid funds:- 3:00 pm

If I place an order before the cutoff time, but payment is realized post cutoff time, which instance will be considered for allotting units?

In this case, time of realization of funds shall be considered to calculate cutoff time.

What is SIP?

SIP stands for Systematic investment plan. It allows investors to start investing in mutual funds with amounts as low as Rs 500 in fixed intervals. Intervals can be weekly, bi-monthly, monthly, quarterly, half-yearly and yearly. It is a very convenient way for a user to start their mutual fund investment journey.

How can I set up my SIP?

On the airpay money app, you can set up your SIP by following simple steps as instructed in the App.

How to cancel my SIP?

If you don't want to continue your SIP, you can cancel it by redeeming the entire amount under that fund.

What is Auto Pay?

Autopay is a facility through which you approve your bank to debit your account for frequent SIP payments.

How to set up my Autopay?

Autopay can be set up by following the instructions given in the airpay money App.

In how much time does my Autopay mandate get approved?

Usually, banks take 4-5 working days to approve the Autopay mandate.

What is Top-up SIP?

Top-up SIP is a facility that allows you to increase your SIP amount by a certain percentage or by a fixed amount after completing a specific period. It helps you to increase your SIP amount in line with the increase of your income.

Can I change my Risk Assessment?

Yes, you can change the risk assessment. We will then recommend mutual fund investment plans accordingly.

Is the return guaranteed on the recommended funds by airpay money?

airpay money recommends funds of the mutual fund houses based on your risk assessment and historical return of the funds. Performance and returns of any investment portfolio can neither be predicted nor guaranteed.