What is a mutual fund and how does it work?

A mutual fund pools money from many investors and a professional fund manager invests that pool into stocks, bonds, or a mix of both. You own units of the fund in proportion to your investment, and the value of those units moves with the value of the underlying portfolio.

What is a SIP (Systematic Investment Plan)?

A SIP lets you invest a fixed amount into a mutual fund on a set date every month instead of investing a lump sum once. It builds a saving habit and spreads your purchase price across market ups and downs, a benefit known as rupee cost averaging.

What is the minimum amount needed to start a SIP?

On the Sanchay Karo app you can start a goal-based SIP with as little as ₹500 a month, which makes it possible to begin investing while you are still building up your monthly budget.

What is NAV (Net Asset Value)?

NAV is the per-unit price of a mutual fund scheme on a given day. It is calculated by dividing the total value of the fund's holdings by the number of units outstanding, and it is declared once at the end of every trading day.

What is the difference between SIP and lumpsum investment?

A lumpsum is a one-time investment of a larger amount, while a SIP spreads smaller amounts across many months. SIP suits regular income earners and reduces timing risk; lumpsum can work well when you already have a large sum and a long time horizon.

How are mutual fund returns calculated?

For a single lumpsum, returns are commonly shown as CAGR, the compounded annual growth rate. For SIPs, where money goes in on different dates, XIRR is used because it accounts for the timing and size of each instalment.

Are mutual funds risk-free?

No. Mutual funds are subject to market risk and their value can fall as well as rise. Debt funds carry interest-rate and credit risk, while equity funds carry market volatility risk, so the right scheme depends on your goal, horizon and risk appetite.

What is the power of compounding in SIP?

Compounding happens when the returns your investment earns start generating their own returns over time. The longer a SIP continues, the larger the share of your final corpus that comes from growth rather than your own contributions.

What is an exit load?

An exit load is a small fee, usually around 1%, charged if you redeem units before a minimum holding period set by the scheme, often one year. It discourages short-term withdrawals and is disclosed upfront in the scheme document.

Is investing through Sanchay Karo safe?

Sanchay Karo operates as an AMFI registered mutual fund distributor with ARN-301757 and routes transactions through the NSE MF integrated platform, so every order is processed through regulated, traceable infrastructure.

Where are my mutual fund units actually held?

Your units are allotted directly to your own folio with the fund house and registrar, never with Sanchay Karo. You can verify every holding on your Consolidated Account Statement from CAMS or KFintech.

What happens to my investments if Sanchay Karo shuts down?

Your holdings are unaffected because they sit in your own folio with the asset management company and registrar, independent of any distributor platform. You would still be able to manage or redeem them directly with the AMC or another distributor.

Is Sanchay Karo regulated by AMFI and SEBI?

Yes. Sanchay Karo is an AMFI registered distributor and deals in schemes that are regulated by SEBI. Distributor registration details are verifiable on the official AMFI website.

How do I complete KYC on the Sanchay Karo app?

KYC is fully digital: verify your PAN and Aadhaar with an OTP, take a quick selfie for video verification, and add your bank details. Most investors finish this step in a few minutes without any paperwork.

What is mandate registration and why is it needed?

A mandate is a one-time, bank-approved authorisation that lets your monthly SIP amount be auto-debited on the chosen date. It is set up once through a secure ENACH process and typically becomes active within 72 hours.

Can I pause, modify, or stop my SIP anytime?

Yes. From the app you can pause a SIP, change the monthly amount, step it up, switch the underlying scheme, or cancel it altogether, without any penalty for doing so.

How do I track my portfolio and redeem funds in the app?

The app dashboard shows live NAV, current value, gains and XIRR for every holding. Redemptions, partial or full, can be placed directly from the app and the amount is credited to your registered bank account in 1 to 3 business days depending on the scheme.

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Mutual fund & app FAQs

Everything from how SIPs work to how the Sanchay Karo app handles KYC, mandates, and redemptions.

A mutual fund pools money from many investors and a professional fund manager invests that pool into stocks, bonds, or a mix of both. You hold units of the fund in proportion to your contribution, and their value rises or falls with the underlying portfolio.

A SIP invests a fixed amount into a scheme on a set date every month rather than all at once. It builds a savings habit and averages your purchase price across market highs and lows over time.

You can start a goal-based SIP on the Sanchay Karo app with as little as ₹500 a month, so you can begin investing without waiting to save up a large amount first.

NAV is the per-unit price of a scheme, calculated by dividing the total value of its holdings by the number of outstanding units. It is declared once at the close of every trading day.

A lumpsum puts a larger amount in at once, while a SIP spreads smaller amounts over many months. SIPs reduce timing risk and suit regular income; lumpsum can work well with a long horizon and idle savings.

A single lumpsum's return is usually shown as CAGR, the compounded annual growth rate. SIPs use XIRR instead, since it accounts for the timing and size of each separate instalment.

No. Mutual funds carry market risk and their value can fall as well as rise. Equity funds carry volatility risk while debt funds carry interest-rate and credit risk, so the right mix depends on your goal and risk appetite.

Compounding happens when the returns your money earns start generating returns of their own. The longer a SIP runs, the bigger the share of your final corpus that comes from growth rather than your own deposits.

ELSS funds are equity schemes with a mandatory 3-year lock-in. Investments up to ₹1.5 lakh a year in ELSS qualify for a deduction under Section 80C, but only under the old tax regime.

For equity-oriented funds held over a year, gains above ₹1.25 lakh in a financial year are taxed at 12.5% as long-term capital gains. Units sold within a year are taxed at 20% as short-term gains.

An exit load is a small fee, typically around 1%, charged if you redeem before a scheme's minimum holding period, often one year. It is always disclosed upfront in the scheme document.

Equity suits long-term goals where you can ride out volatility, debt suits short horizons and capital protection, and hybrid funds blend both for a moderate risk profile. Your in-app risk assessment helps match the right category.

Sanchay Karo is an AMFI registered mutual fund distributor (ARN-301757) and routes every order through the NSE MF integrated platform, so transactions run on regulated, traceable infrastructure.

Your units sit directly in your own folio with the fund house and registrar, never with Sanchay Karo. Every holding is reflected on your Consolidated Account Statement from CAMS or KFintech.

Your holdings stay completely unaffected, since they sit in your own folio with the AMC and registrar independent of the distributor platform. You could still manage them directly or through another distributor.

Yes. Sanchay Karo is an AMFI registered distributor dealing in SEBI-regulated schemes, and the registration can be independently verified on AMFI's official website.

KYC is fully digital — verify PAN and Aadhaar with an OTP, complete a short video selfie check, and add your bank details. Most investors finish in a few minutes without any paperwork.

A mandate is a one-time, bank-approved authorisation that allows your monthly SIP amount to be auto-debited on the chosen date. It is set up once via secure ENACH and usually activates within 72 hours.

Yes — from the app you can pause a SIP, step it up, change the amount, switch the scheme, or cancel it altogether, with no penalty for doing so.

The dashboard shows live NAV, current value, gains, and XIRR for every holding. Redemptions — partial or full — are placed directly in the app and typically credited in 1 to 3 business days.

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