Mutual Fund Investment 101

Looking to invest? Read this article - Categorization of Mutual Fund Schemes - to first understand the various associated risks. Next, you will check out some major benefits it may offer, and lastly, explore the several financial sector equity funds offered by Tata Mutual Fund™. 

5 Risks of Banking and Financial Services sector Mutual Fund Schemes

Like all sectoral mutual funds, financial sector equity funds are also directly influenced by stock market movements. Share prices of banks may rise or fall based on:

• Investor sentiment

• International events

• Regulatory changes 

Since the portfolio is not diversified across sectors, such volatility in banking stocks may cause sharper NAV fluctuations. Before committing money, below are some risks you should know about:

1. Sector Concentration Risk

   As mentioned before, Banking and Financial Services sectoral mutual funds invest at least 80% of their assets in banking stocks. Now, this is a “narrow focus”. If the banking industry underperforms, the entire fund may likely face losses. 

   That’s why these schemes can be riskier than diversified funds, which spread investments across sectors.
    

2. Economic Cycle Risk

   The banking industry is closely linked to the overall economy. During economic growth, banks may perform well due to higher lending and strong financial activity. However, during slowdowns or recessions:

   • Loan defaults may rise

   • Credit demand may fall

   • Profits can shrink

     The potential impact? Your sectoral mutual fund returns (from the Banking and Financial Services sector) may fall in the short term.
      

3. Regulatory and Policy Risk

   The banks and almost the entire BFSI sector are highly regulated by authorities like the Reserve Bank of India (RBI), Securities and Exchange Board of India (SEBI), and more. 

   Now, any change in rules related to lending rates, capital requirements, or loan restructuring can impact banks’ profitability. Since the Banking and Financial Services sector mutual funds are concentrated in this sector, such policy changes may significantly influence the fund’s performance.
    

4. Interest Rate Risk

   The core business of the banks is to earn profits based on the difference between lending rates and deposit rates. Now, when interest rates fluctuate, the bank’s profitability can change. 

   For example,

   • Let’s say the RBI suddenly increases the repo rate. 

   • Now, it can increase borrowing costs and reduce loan demand.

   • Such events directly impact the performance of Banking and Financial Services sector mutual funds. 

   • In the instant case, you may see that the fund’s NAV is reduced. 
      

5. Credit Risk in the Banking and Financial Services sector

   If banks face rising non-performing assets (NPAs) due to loan defaults, their financial health declines. A high level of bad loans may reduce both profitability and investor confidence. 

   Since Banking and Financial Services sector mutual funds depend heavily on these institutions, widespread credit risk in the sector can negatively impact fund returns.

Disclaimer: The views mentioned above are for educational purposes only. Investors are requested to perform their own research before investing. 

5 Benefits of Investing in Banking Mutual Funds in India

Banking mutual funds in India carry sector-specific risks, but they may also offer unique advantages for investors who want exposure to the Banking and Financial Services sector’s growth. Let’s check out some major benefits you may realize:

1. Potential for Returns

   Banks are core to the economy and may grow as the economy expands. In the expansionary phase, banks usually perform well through higher lending. They may also earn  profits, which increases their stock prices.

   In such phases, the fund’s value can increase, and potential returns 

    

2. Professional Management

   Banking and Financial Services sector mutual funds may be managed by experienced fund managers who monitor the Banking and Financial Services sector closely. They:

   • Research banks

   • Assess financial performance

   • Adjust the portfolio as needed

   • This professional approach reduces the burden on individual investors, who may not have the time or expertise to track the banking industry themselves.
      

3. Diversified Exposure Within the Sector

   Even though the fund focuses on banks, it spreads investments across multiple banks and financial institutions. This is called “intra-sector diversification”, which reduces the risk of relying on a single bank. 

   Since the financial sector equity funds invest in several banks, their performance is not restricted to any individual company’s performance (operating within that sector).

    

4. Easy Access to Banking Stocks

   For retail investors, directly buying shares of multiple banks requires advanced market knowledge. This process is also time-consuming as you may need to actively manage or rotate your investments.

   Now, in contrast, Banking and Financial Services sector mutual funds give you exposure to a variety of banking stocks in a single investment. There is no need for any pre-market knowledge or active portfolio management, as these funds are run by professional fund managers. 

    

5. Long-Term Wealth Creation

   By investing in financial sector equity funds and staying invested over the long term, investors may potentially benefit from:

By following such an investment approach with discipline, you may build long-term wealth.

Disclaimer: The views mentioned above are for educational purposes only. Investors are requested to perform their own research before investing.

Tata BFSI Funds You May Consider in 2025!

Tata Mutual Fund™ offers several BFSI  investment schemes where you can start investing with as little as ₹1,000 through SIP or ₹5,000 as a lump sum. Most of these schemes are available in both regular and direct plans, with options to choose either IDCW (Income Distribution cum Capital Withdrawal) or growth. 

Let’s check out some Tata BFSI funds you may consider investing in 2025:

Tata Banking and Financial Services Fund

(An open-ended equity scheme investing in the Banking & Financial services sector)

The Tata Banking and Financial Services Fund is a sectoral mutual fund that may invest in equity and equity related instruments of banking and financial services sector in India. At least 80% of the net assets shall be into this sector. 

This scheme may be suitable  for long-term investors who are looking for capital appreciation. However, the fund does not guarantee any fixed returns.

Tata Nifty Private Bank Exchange Traded Fund

(An Open-Ended Exchange Traded Fund replicating/ tracking - Nifty Private Bank Index)

The Tata Nifty Private Bank Exchange Traded Fund (ETF) may mirror the performance of the “Nifty Private Bank Index”. This scheme is passively managed track the benchmark returns subject to tracking error.

For those unaware, the Nifty Private Bank Index tracks the performance of the banks from the private sector

This index is made up of 10 constituents (as of September 20, 2025) and follows a “periodic capped free float” methodology. Also, the index is calculated in real time and undergoes rebalancing on a semi-annual basis. 

Tata Nifty Financial Services Index Fund

(An open-ended scheme replicating/tracking Nifty Financial Services Index)

The Tata Nifty Financial Services Index Fund may invest in companies that are part of the Nifty Financial Services Index. This index tracks the performance of India’s financial sector, which includes:

• Banks

• Insurance companies

• Housing finance firms

• Financial institutions

• Other financial services providers

Furthermore, the index has 20 stocks, and its value is calculated using the free float market capitalisation method (which means it considers only the shares available for public trading). 

The investment objective of the scheme is to provide returns, before expenses, that commensurate with the performance of Nifty Financial Services Index (TRI), subject to tracking error. 
There is no assurance or guarantee that the investment objective of the scheme will be achieved. The scheme does not assure or guarantee any returns.

Conclusion

So, till now, you must have understood that Banking and Financial Services sector mutual funds are schemes that primarily invest in shares of banks and financial institutions (at least 80%). They are concentrated in a single industry and may carry various risks such as credit risk, interest rate risk, and sector-specific downturns. 

However, at the same time, they may offer benefits like:

• Potential high returns

• Professional management

• Exposure to top banking and financial companies

• Long-term wealth creation

To give investors access to this opportunity, Tata Mutual Fund™ offers several BFSI investment schemes, actively managed such as Tata Banking and Financial Services Fund, for passively managed Tata Nifty Private Bank Exchange Traded Fund, and Tata Nifty Financial Services Index Fund. 

What is the Role of BSE Sensex Index Funds in a Core-Satellite Portfolio Strategy?

A core satellite portfolio is an investment strategy where your investments are divided into two major parts - “Core” and “Satellite”.  The core is the main part of your portfolio and may be invested in less risker and low-cost mutual funds or index funds. Now, the second part, satellite, is smaller and may be invested in riskier or actively managed funds. 

The ideology? The core can give you relative stability and long-term growth potential, while the satellite gives you a chance for better returns (without risking your entire portfolio). 

Okay, so what is the core made of? Besides several low-risk investment options, such as government bonds or debt mutual funds, investors may also consider BSE Sensex Index funds for the core portion. These are index funds that track the S&P BSE Sensex, which represents 30 of India’s largest and most established companies based on free float market capitalization. 

Want to learn more? In this article, let’s first learn what BSE Sensex Index Funds are and then see some other options you can consider for your core. Next, we will see some investment schemes for your satellite part. 

 

What are BSE Sensex Index Funds?

BSE Sensex Index Funds are mutual fund schemes that invest in the same 30 companies that make up the S&P BSE Sensex Index. Do these funds try to beat the market? No! These funds simply track & replicate the performance of the BSE Sensex index by holding the same stocks in the same proportion (subject to tracking error). 

When you invest in BSE Sensex Index mutual funds, your investment may grow in line with how the BSE Sensex performs. Furthermore, they are passively managed and usually have lower costs than actively managed funds. 

 

4 Reasons Investors May Choose BSE Sensex Index Funds For Their Core Portfolio in 2025!

Sensex was launched in 1986 and has a market coverage of about 35.17% (in terms of market capitalisation, as of September 20, 2025) (Mention Source). Many investors now view it as the foundation of their core portfolio, as it provides exposure to over one-third of India’s stock market value through just 30 top companies! (Mention source & date)

For more clarity, let’s check out some other reasons why investing in BSE Sensex Index mutual funds may be a good choice:

1. Diversification Across Leading Companies

   A BSE Sensex Index Fund invests in the 30 largest, most liquid, and financially sound companies in India. Usually, these companies are spread across different sectors such as:

   • Financial Services 

   • Information Technology (IT)

   • Power

   • Consumer Durables, Consumer Service, FMCG

     The potential advantage? Your money may not be tied to the performance of a single company or sector. If one sector underperforms, others may balance it out. Such diversification  may reduce the overall risk and provide relative stability as compared to investing in individual stocks or sector.
      

2. Transparency of Holdings

   The portfolio of a BSE Sensex Index Fund is completely transparent. That’s because it must replicate the BSE Sensex index. Thus, investors know exactly which 30 companies are included and how much weight each company has in the portfolio. This index is reviewed twice a year in June and December.

   Such clarity may allow you to understand where your money is being invested and assess the sector exposure.
    

3. You Don’t Need to be a Market Expert

   Investing in a BSE Sensex Index Fund may not require advanced market knowledge. Also, you are not required to spend time researching individual companies. That’s because the fund is structured to “mirror” the BSE Sensex Index. 

   Thus, it may be a simple way to invest in India’s top 30 companies based on free float market capitalization. This is particularly useful for beginners who may not be confident in stock selection.
    

4. Lower Costs and Market Returns

   BSE Sensex Index Funds are passively managed, and they may have lower expense ratios compared to actively managed funds. Lower costs mean more of your returns stay in your pocket. 

   Additionally, because the fund mirrors the BSE Sensex Index, you don’t depend on a fund manager’s ability to pick stocks. You may simply earn the similar return as the broader market, subject to tracking error.

What is the Tata BSE Sensex Index Fund?

Tata BSE Sensex Index Fund is an open-ended equity scheme tracking BSE Sensex. The investment objective of the scheme is to reflect/mirror the market returns with a minimum tracking error. The scheme does not assure or guarantee any returns.

It does this by investing in the same 30 companies that are part of the BSE Sensex Index (in the same proportion as the index, subject to tracking error). However, the fund cannot guarantee or promise fixed returns, as returns depend on market performance. 

For a better understanding, let’s check out some other key features of the Tata BSE Sensex Index Fund:

1. Benchmark

   The fund is benchmarked against the BSE Sensex TRI (Total Return Index). For those unaware, a TRI index includes both stock price changes and dividends. It may be a more accurate comparison of returns.
    

2. Tracking Error

   The fund tries to replicate the BSE Sensex. But there may be differences between the fund’s returns and the actual Sensex returns. This difference is called “tracking error”. However, the fund managers can try to keep this difference as minimum as possible.
    

3. Plans Available

   The scheme only has the “growth option” and can be invested in the:

   • Direct Plan, where you invest directly with the fund house. It usually has lower costs.
   • Regular Plan, where you invest through distributors or advisors. It generally has higher costs as compared to Direct Plan, due to commission. 
      

4. Entry Load and Exit Load

   Entry Load	Exit Load
   Entry Load is Not Applicable (no fee when you invest).	If you withdraw within 7 days from the date of allotment, Exit Load will be charged at 0.25% of the NAV (Net Asset Value). If you stay invested for more than 7 days, there is no exit load. From April 23, 2025, if you switch/ systematically transfer from a Regular Plan to a Direct Plan of the same scheme, no exit load will be charged.

    

5. Risk Level

   As an investor, you should understand that your principal may be at very high risk. The Tata BSE Sensex Index Fund could be suitable for long-term investors seeking capital appreciation and with very high risk tolerance.
    

 

Some Other Options for Your Core Portfolio

BSE Sensex Index Fund may be a part of your core portfolio, but you can’t rely only on equities. That’s because it increases the overall portfolio risk as stock markets can fluctuate. 

Now, to minimize this risk, you may add less risky instruments to your core portfolio. These options may not give better returns, but may:

• Provide relative stability

• Aims to reduce portfolio volatility

Let’s check out some options you may consider:

 

Option	What It Is	What is the investment allocation	Why Investors May Choose It	Potential Options You May Consider
Gilt Funds	Mutual funds that invest mainly in government bonds (backed by the Government of India).	Minimum 80% in G-secs (across all maturities)	They are considered one of the less riskier debt options since repayment is backed by the government.	Tata Gilt Securities Fund   Tata CRISIL-IBX Gilt Index April 2026 Index Fund
Corporate Bond Funds	Mutual funds that invest in bonds, debentures, and money market instruments issued by companies.	Minimum 80% in corporate bonds (AA+ and above rated corporate debt instruments)	These funds can be less volatile than equities and may offer slightly higher returns than gilt funds.	Tata Corporate Bond Fund
Gold ETFs	Exchange-traded funds that track the price of gold and are traded on the stock exchange.	Hold physical gold or gold-related instruments approved by SEBI.   Can also invest up to 20% of net assets in the Gold Deposit Scheme of banks (GDS) & Gold Monetization Scheme (GMS).	Gold has historically been a defensive asset, particularly during inflation or market uncertainty.	Tata Gold Exchange Traded Fund   Tata Gold ETF Fund of Funds

 

Where You May Invest in the Satellite Part?

After deciding on your core, it's time to pick investment schemes for the satellite part of your portfolio. Usually, the satellite part is composed of aggressive options, which may have the ability to generate comparatively better returns over the long term.. Some options you can consider are: 

• Mid- and Small-Cap Funds, such as, Tata Large & Mid Cap Fund

• Sector/Thematic Funds 

• Direct stocks

• REITs and INVITs

Conclusion

Wondering how much to allocate between core and satellite? Many investors use the Pareto principle, or the 80/20 rule. Under this approach, about 80% of the portfolio goes into the core for relative stability and long-term growth potential, while 20% is allocated to the satellite for return opportunities. However, you can always alter this allocation percentage based on your risk appetite and investment goals.

Now, for the core, BSE Sensex Index funds may be a good option. They:

• Provide exposure to India’s 30 largest companies based on free float market capitalization.

• Cover over one-third of India’s stock market value. (Mention Source and date)

• Offer diversification across sectors.

• Are low-cost and transparent.

• Aims to Deliver returns that mirror market growth.

Within this space, the Tata BSE Sensex Index Fund is one option worth considering. However, you may not rely only on BSE Sensex Index funds. A balanced core can also include Gold ETFs, corporate bond funds, gilt funds, and other debt instruments. Your satellite portion can then focus on aggressive opportunities like thematic funds, mid- and small-cap funds, or individual stocks.

Tata Mid-Cap Fund is an equity mutual fund that primarily invests in mid-sized companies. The fund’s investments may be focused on mid-cap stocks, which are companies ranked between 101st and 250th in terms of full market capitalisation.

The investment objective of this scheme is to provide income distribution and / or medium to long term capital gains. Investment would be focused towards mid cap stocks.

However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The scheme does not assure or guarantee any returns

Furthermore, for measuring performance, the fund uses the Nifty Midcap 150 Total Return Index (TRI) as its benchmark. This index tracks the performance of 150 mid-sized companies. 

Tata Nifty Mid-cap 150 Index Fund

(An open-ended fund replicating/tracking the Nifty Midcap 150 Index (TRI))

The Tata Nifty Midcap 150 Index Fund  seeks to invests in the same companies that are part of the Nifty Midcap 150 Index. This fund may give investors returns that are close to the performance of the index itself (subject to tracking error). 

Be aware that this scheme may follow the index directly and do not try to beat or outperform the market. Instead, it could mirror its performance. However, there is no guarantee of returns. 

This mid-cap mutual fund is open-ended, and you can buy or sell units on any business day at the fund’s NAV (Net Asset Value).

Tata Flexi-Cap Fund

(An open-ended dynamic equity scheme investing across large-cap, mid-cap, and small-cap stocks)

Tata Flexi Cap Fund is an equity mutual fund that may invest in companies of all sizes:

• Large-cap

• Mid-cap

• Small-cap

This scheme may build a diversified portfolio by investing in companies from different sectors and of different sizes. Since it has no fixed rule on allocation, the fund manager may have the freedom to adjust investments across large, mid, and small companies depending on market conditions and opportunities.

Be aware that it is an open-ended scheme and investors can buy or sell units at any time. The fund’s main goal may be capital appreciation (growth in the value of your investment) over the long term. However, like all mutual funds, there is no guarantee of returns.

Tata Multi-Cap Fund

(An open-ended equity scheme investing across large cap, mid cap, and small cap stocks)

Tata Multicap Fund is an equity mutual fund that may invest at least 25% in companies of all sizes: large-cap, mid-cap, and small-cap. It is an open-ended scheme, so investors can enter or exit at any time. 

This fund seeks to achieve  long-term capital appreciation by investing at least 25% each in large-cap, mid-cap, and small-cap stocks. This may offer diversification and prevent the fund from being tilted toward only one segment. The chosen benchmark is the Nifty 500 Multicap 50:25:25 TRI.. However, there is no guarantee of returns.

Conclusion

So now you have learned that mid-cap, multi-cap, and flexi-cap are different types of equity schemes that invest money in different styles and allocations. These mutual funds are generally suitable for investors who can take very high risks and have a long-term investment horizon. 

If you are wondering which scheme may be right for you, consider this:

• Mid-cap funds let you invest in growing mid-sized companies.

• Multi-cap funds let you diversify and follow a fixed allocation across large, mid, and small companies.

• Flexi-cap funds are dependent on the fund manager to decide allocation based on market opportunities.

Once you have decided on your preferred options, you can consider multiple schemes in each of these categories offered by Tata Mutual Fund™ . Some mutual fund plans you may consider are - Tata Mid Cap Fund, Tata Nifty Midcap 150 Index Fund, Tata Flexi Cap Fund, and Tata Multicap Fund.

 

Disclaimers:

The views mentioned above are for information & educational purposes only and do not construe to be any investment, legal, or taxation advice. Investors must do their own research before investing. The views expressed in this article are personal in nature and in is no way trying to predict the markets or to time them. Any action taken by you on the basis of the information contained herein is your responsibility alone, and Tata Asset Management Pvt. Ltd. will not be liable in any manner for the consequences of such action taken by you. Please consult your Mutual Fund Distributor before investing. The views expressed in this article may not reflect in the scheme portfolios of Tata Mutual Fund. There are no guaranteed or assured returns under any of the schemes of Tata Mutual Fund.

Real estate has long been seen as a way to build wealth, but high property prices make direct ownership difficult for many investors. An Equity Sectoral/Thematic Mutual Fund investing in real estate offers an alternative by pooling money to invest in listed real estate companies, housing finance firms, and REITs. These funds give exposure to the property sector with lower entry costs, higher liquidity, and professional management compared to buying property directly. 

In this guide, we cover the features and benefits of Equity Sectoral/Thematic Mutual Funds investing in real estates. We also highlight the risks associated with these funds and how you can invest in them. 

What are Equity Sectoral/Thematic Mutual Funds investing in Real Estate?

Equity Sectoral/Thematic Mutual Funds investing in real estate are a type of sector-specific equity mutual fund scheme that invests in the shares of companies involved in developing commercial or residential real estate along with other industries. Depending on the fund’s objective, it may invest in: 

• Real estate companies 

• Housing finance firms 

• Construction material suppliers 

• Real Estate Investment Trusts (REITs) 

An equity sectoral/thematic mutual fund is easier to buy and sell compared to physical property and lets you start with smaller amounts. The fund’s performance usually moves in line with the real estate and housing sector, so when the sector does well, the fund tends to benefit too and vice-versa. 

Key Features of Equity Sectoral/Thematic Mutual Funds Investing in Real Estate

• Sector-specific focus: Equity Sectoral/Thematic Mutual Funds investing in real estate invest mainly in companies connected to property, housing, and construction etc. This allows investors to gain targeted exposure to one of the core sectors of the economy. 

• Diversification: These funds spread investments across different types of businesses such as developers, housing finance companies, and building material suppliers. By doing so, they reduce the risk of depending on a single company or sub-sector. 

• Professional management: The funds are managed by professionals who research market conditions, identify opportunities, and select securities. Their expertise helps investors participate in the real estate sector without having to track it closely themselves. 

• Liquidity: Unlike physical property, which can take months to sell, units of a mutual fund can usually be bought or redeemed much more quickly. This makes them a more flexible option compared to direct real estate ownership. 

• Lower entry barrier: Buying property generally requires significant capital, while Equity Sectoral/Thematic Mutual Funds investing in real estate allow participation with much smaller amounts. This makes it easier for retail investors to include real estate exposure in their portfolio. 

Benefits of Equity Sectoral/Thematic Mutual Funds Investing in Real Estate

• Flexibility: Equity Sectoral/Thematic Mutual Funds investing in real estate make it possible to participate in the property market with relatively small amounts, unlike direct property purchases that require high capital. 

• Alternative to property ownership: These funds provide exposure to the growth of the real estate market without the need to purchase or manage physical property. 

• Diversification: Such a mutual fund spreads investments across developers, housing finance companies, construction material providers, and related businesses, reducing reliance on any single segment. 

• Liquidity: Unlike physical property, which may take months to sell, units of Equity Sectoral/Thematic Mutual Funds investing in real estate can usually be redeemed more quickly, offering better liquidity. 

• Inflation hedge: Real estate values and rental income often rise during periods of inflation. This can help real estate funds act as a natural protection against inflationary pressures. 

Risks Associated with Equity Sectoral/Thematic Mutual Funds Investing in Real Estate

• Market volatility: The real estate sector is sensitive to economic conditions, policy changes, and demand–supply cycles. This can cause fluctuations in the value of Equity Sectoral/Thematic Mutual Funds investing in real estate. 

• Interest rate impact: Rising interest rates can affect borrowing costs and property valuations, which in turn may influence the performance of these funds. 

Investors can manage these risks by diversifying their portfolios, keeping a long-term perspective, and reviewing their investments regularly.

Who Should Invest in Equity Sectoral/Thematic Mutual Funds Investing in Real Estate?

The following types of investors can consider Equity Sectoral/Thematic Mutual Funds investing in real estates: 

• Investors with a long-term horizon who can stay invested for 5+ years. 

• Those who understand sector-specific risks of the real estate market and are comfortable with market fluctuations. 

• Investors looking to diversify their portfolio with exposure to real estate and housing. 

How to Invest?

The steps for investing in Equity Sectoral/Thematic Mutual Funds investing in real estate are listed below: 

1. Complete your KYC verification. 

2. Select a platform such as an AMC website, SEBI-registered distributor, or online investment app. These platforms let you compare sector mutual funds from different AMCs and choose the ones that fit your goals. 

3. Choose between lumpsum investment or SIP investment. 

4. Select growth or IDCW (Income Distribution cum Capital Withdrawal) option. 

5. Monitor your portfolio regularly using online dashboards or apps. 

Things to Keep in Mind When Investing in Real Estate Funds

• Sector-specific exposure: An Equity Sectoral/Thematic Mutual Fund investing in real estate is concentrated in housing, construction, and related industries, so performance is tied to how the sector performs. 

• Impact of policy and economy: Regulatory changes, interest rate movements, and economic slowdowns can directly affect property demand and valuations. 

• Time horizon matters:  mutual funds are better suited for long-term investors, as the sector may take time to deliver consistent growth. 

• Liquidity differences: While more liquid than physical property, these funds are still less flexible compared to broader diversified mutual funds. 

Conclusion

If you want exposure to the real estate and housing sector without owning property directly, an Equity Sectoral/Thematic Mutual Fund investing in real estate offers one such route. These funds pool money to invest in real estate companies, housing finance firms, or REITs, and provide diversification and liquidity compared to physical property. 

At the same time, their performance is tied to sector movements, which means they may not deliver immediate results and can experience short-term volatility. The key is keeping your risk tolerance, financial goals, and time horizon in mind. Evaluating these factors helps you decide whether an Equity Sectoral/Thematic Mutual Fund investing in real estate is suitable for your portfolio or not. 

Disclaimers:

• An Investor Education and Awareness Initiative by Tata Mutual Fund.   

• To know more about KYC documentation requirements and procedure for change of address, phone number, bank details, etc., please visit: https://www.tatamutualfund.com/deshkarenivesh  

• Please deal only with registered Mutual Funds, details of which can be verified on the SEBI website under ‘Intermediaries / Market infrastructure institutions.’  

• All complaints regarding Tata Mutual Fund may be directed to service@tataamc.com and/or https://scores.sebi.gov.in/ (SEBI SCORES portal) and/or https://smartodr.in/login 

• Nomination is advisable for all folios opened by an individual, especially with sole holding, as it facilitates an easy transmission process.   

• This communication is a part of the investor education and awareness initiative of Tata Mutual Fund.