Mutual Funds India — Complete Guide for Indian Investors

Mutual funds are how most Indian families now build long-term wealth — but the gap between what mutual fund marketing says and what SEBI regulations actually require is wider than most investors realize. This hub indexes every mutual fund article on Finance Guided, organized by investor decision, written for Indian retail investors, and verified against SEBI (Mutual Funds) Regulations 1996, AMFI guidelines, and current scheme information documents.

Written and maintained by Dinesh Kumar S — B.Sc. Mathematics, M.Sc. IT, University of Madras. 5+ years in accounts, GST, and audit support at a Chennai-based IT services company. No commissions. No product sales. Last updated: 8 May 2026.

Start Here: The Foundation Article

If you read only one article on mutual funds, this is the one. What you do when the market falls during your SIP determines almost everything about your final corpus 20 years later.

How SIP Works When the Market Falls India →

The rupee cost averaging math with a real ₹10,000 monthly SIP across the 2008 and 2020 crashes, and why pausing your SIP costs more than continuing through the fall.

All Mutual Fund Articles, Organized by Decision

Plan Type — Direct vs Regular

Direct vs Regular Mutual Fund India — Expense Ratio Impact Over 20 Years — The compounding cost of the trail commission gap, with rupee math on a ₹5,000 monthly SIP over 20 years and how to switch existing folios from regular to direct.

Tax-Saving Funds — ELSS

ELSS Mutual Fund Lock-In Period Rules — Early Withdrawal and Part Redemption India — Why each SIP installment has its own 3-year clock, the part-redemption math when only some units have crossed lock-in, and the Section 80C interaction.

Mutual Funds India — Complete Guide for Indian Investors