December was a good month for equity as well as debt markets. Both the markets witnessed a rocky start to the month as RBI kept repo rate unchanged while sharply cutting India’s GDP growth forecast for the current year. But the markets advanced in the subsequent weeks on the back of easing US-China trade tensions, victory of the ruling Conservative party in UK elections and indication by the US Fed that there will be no rate hikes in 2020. Easing of these global factors led to rise in global as well as local indices. Broader market indices, Nifty and Sensex…


Bharat Bond is the new buzzword in newspapers and business channels these days. People are saying it’s a good product for retail investors. How should I view it?

You can perceive Bharat Bond FoF akin to a Fixed Deposit (FD) product which offers anytime liquidity and higher post-tax return if investments are held till maturity of 3 or 10 years. If the investments are held for more than 30 days from the date of allotment then unlike an FD, you won’t even be penalized for pre-mature withdrawals.

Is it true that the product will generate guaranteed returns?

The returns generated…


What is Bharat Bond FoF?

Bharat bond is a one-of-its-kind investment option created by Edelweiss Asset Management Company (AMC) and marks the emergence of a new class of investments in India. Bharat bond Fund of Funds (FoF) is essentially an open-ended mutual fund with a target (defined) maturity structure of 3 years and 10 years that invest in Bharat bond ETFs of respective maturities. The ETFs, in turn, aim to replicate the constituents of its underlying index comprising of bonds of CPSEs (Central Public Sector Enterprises), PFIs (Public Finance Institutions) and PSUs (Public Sector Undertakings) created by NSE.


Overall asset under management (AUM) of the mutual fund industry touched it’s all time high in November coming in 2.7% higher than the previous month at INR 27.04 lakh crore. From a base of INR 10.9 lakh crore in November 2014, the industry AUM has grown at about 20% CAGR in last five years to cross INR 27 lakh crore now. However, net inflows into open ended mutual funds fell in November owing to introduction of exit load in liquid funds and profit booking by investors in equity funds. Broad categories like equity, debt and index funds & ETFs witnessed…


Paytm Money launched a marquee product “Investment Packs” in March 2019. These packs have provided a one-stop solution to both new and experienced investors, for their long term investment journey. Be it wealth creation or wealth preservation, over the last year, Investment packs have delivered returns in line with your investment objective while maintaining volatility as per your risk profile. We reflect closely on the return and volatility profile of each pack in this article.

Why did we create Investment Packs?

Investment packs are constructed by our in-house advisory team of experts based on rigorous and in-depth research. The aim…


The month of November was a good one for both equity and debt markets. Equities continued their gaining streak for third month in a row since September on the back of strong FII inflows post Fed rate cut, good corporate earnings and creation of dedicated realty fund by the government to boost the stalled projects in housing sector. BSE Sensex advanced by 1.65% while Nifty gained 1.50% during the month of November. Domestic macroeconomic fundamentals came in lower than expected which dampened investor sentiments but expectations of another rate cut by RBI lifted investor sentiments in the debt market.

Investors…


The month of November was a mixed bag for equities market while aided the rally in bond markets. Equities started the month with upbeat performance on the back of better than expected quarterly earnings for some corporates and setting up of a dedicated realty fund by government to bailout stalled housing projects. But markets were volatile, with the coming in of weaker domestic macroeconomic data points like rise in inflation, consistent contraction in manufacturing growth of core sectors and fall in GDP growth for the second quarter. In spite of these issues, Sensex gained 1.65% while Nifty grew 1.50% in…


“Your investments managed by Karvy Fintech (RTA Service) are safe.”

Following the news of SEBI ban on Karvy Stock Broking, we noticed concerns from some users who have made mutual funds investments in fund houses (AMCs) that are serviced by Karvy Fintech RTA (Registrar and Transfer Agent). These two entities were earlier part of Karvy Group, but Karvy Fintech RTA now operates as a different entity with a completely different management and ownership structure from the Karvy Group.

We have spoken with management of Karvy Fintech; Mr. Ganesh V, Managing Director and CEO of Karvy Fintech has assured us that…


One of the things that drive our passion is offering products and features that not only simplify investing for you but enhance your experience as well.

Investing via SIP is immensely popular on Paytm Money (80% of our investors are SIP investors) and we work continually to augment your user experience. We are happy to announce that based on your continual feedback we have revamped the SIP investment & management experience on Paytm Money with the addition of multiple features for you to explore.

SIP investments drive discipline, and for that reason, we had restricted every scheme to have just…


Net inflows into open ended mutual funds bounced back strongly in October at INR 1,34,337 crore as institutional investors parked their surplus cash in debt mutual funds with the start of the new quarter. All the major categories including equity, debt, hybrid and index funds & ETFs witnessed net inflows. But, inflows into open ended equity funds including ELSS dropped by 8.8% to INR 6,026 crore amid profit-booking by retail investors as markets continued their uptrend.

Overall asset under management (AUM) of the industry increased by 7.4% …

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