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About Navi Mutual Funds

Navi Mutual Fund offers a wide array of investment options - from a range of low-cost index funds to ELSS funds among other investment options across sectors, market caps and geographies to help investors meet their unique financial goals. In 2022, Navi Mutual Fund launched 6 index funds that cater to the various needs of investors keeping their risk tolerance in mind. Navi’s low-cost funds coupled with a passive investing approach and strong leadership make Navi Mutual Fund one of the most popular and sought-after AMCs in the country.

Why Invest with Navi?

Why Invest with Navi?

Navi’s technology-driven passive investing approach helps lower the cost for the investors.
Choose from a wide range of funds such as index funds, ELSS, Fund of Funds, equity funds, debt funds, etc. for portfolio diversification.
Invest as per your convenience through SIP or lump sum. You can start with as low as ₹10 (depending on the fund factsheet).
With Navi Mutual Funds range of international FoFs, track indices like CRSP US Total Stock Market Index and Nasdaq 100.

How To Choose a Mutual Fund?

Financial Goal
Invest in a mutual fund that aligns with your financial goals. You may opt for a combination of equity and debt funds for your long-term financial goals while debt funds could be a good fit for your short-term goals. You can also consider investing in ELSS to maximise your tax deduction benefits.
Past Performance
Check a fund’s past performance to understand the fund’s consistency. While past performance is no guarantee for future returns, it could still provide insights into a funds potential.
Risk Appetite
Different funds come with different levels of risk. Equity funds involve market risks in the short term which could make them risky while debt funds could be relatively low-risk. Select a fund that matches your risk appetite.
Cost
A mutual fund comes with certain costs such as expense ratio, exit load, tax on capital gains, etc., which could eat into the gains if applicable. Active funds involve a high expense ratio within the limits set by SEBI since they are actively managed by fund managers. Factor the investment costs while finalising your investment decisions.

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How to Invest in Navi Mutual Funds?

How to Invest in Navi Mutual Funds?

You can get the app from Play Store or App Store
On the home screen, scroll down, click on ‘Invest Now’, explore funds & select the fund of your choice
Provide your PAN and other details (if required) to complete your KYC & link your bank account
Choose your preferred investment mode - SIP or lump sum
Choose your preferred investment amount - you can start investing with just ₹10. You can invest via UPI or net banking

How to Invest in Navi Mutual Funds?

How to Invest in Navi Mutual Funds?

You can get the app from Play Store or App Store
On the home screen, scroll down, click on ‘Invest Now’, explore funds & select the fund of your choice
Provide your PAN and other details (if required) to complete your KYC & link your bank account
Choose your preferred investment mode - SIP or lump sum
Choose your preferred investment amount - you can start investing with just ₹10. You can invest via UPI or net banking

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Frequently asked questions

A mutual fund pools money from multiple investors and invests in different financial instruments. The various kinds of mutual funds are debt funds, equity funds, gold funds, hybrid funds, etc. (in terms of asset classes) and equity-linked savings schemes, thematic funds, etc. (in terms of investment objective), among many others. Investors can invest in mutual funds through SIP (Systematic Investment Plan) or lump sum.
Mutual funds seek to provide capital appreciation over the short or long-term, depending on the fund type and investment goal of the investor. It is also suitable for those looking to diversify their investments or safeguard their corpus and those aiming to maximize the tax deduction benefits.

Most mutual fund categories, except ELSS, are highly liquid and offer multiple investment modes like SIPs, lump sum, etc. However, equity mutual funds could involve high to very high levels of risks as they are market-linked instruments.
The different types of mutual funds are:
1. Based on Structure - Open-ended mutual funds, close-ended mutual funds and interval funds.
2. Based on Asset Class - Equity Mutual Funds (large-cap, mid-cap, multi-cap, small-cap, ELSS, thematic, etc.) and Debt Mutual Funds (money market fund, liquid fund, long-duration fund, long-duration fund, medium-duration fund, etc.).
3. Based on Investment Objectives - Tax-saving mutual funds (ELSS), liquid mutual funds, pension funds, thematic funds, etc.
4. Based on Speciality - Fund of Funds, Index funds, retirement fund, commodity mutual funds, etc.
5. Based on Risk - Low-risk, medium-risk and high-risk.
Here are the advantages of investing in mutual funds:
1. Portfolio diversification.
2. Professional management.
3. Wide range of schemes in terms of asset classes, investment objectives, etc.
4. Exposure to different segments and markets.
5. Flexibility.
The Securities Exchange Board of India (SEBI) is the regulatory body for the securities and commodity market in India. All mutual funds must get registered with SEBI. The Association of Mutual Funds in India, the regulatory body for mutual funds sector in India, along with SEBI.
`Diversification` is the strategy of spreading your investments across multiple asset classes, sectors, market caps, etc. to lower the overall risk. While diversification can never eliminate all the risks involved with investing, it can help lower your overall investment risk.
Investing in mutual funds does not guarantee returns. A number of factors come into play, such as the investors financial goal, investment diversification, risk appetite, investment horizon (short or long-term), fund manager`s skill, etc. Research about a mutual fund before investing. Use a mutual fund calculator to get an estimate of the returns.
Net Asset Value (NAV) is the actual value of one unit of a given mutual fund scheme on any given business day. It reflects the liquidation value of the fund`s investments on that particular day after accounting for all expenses. It is calculated by deducting all liabilities such as outstanding payments, other fees and charges, etc. (except unit capital) of the fund from the realisable value of all assets and dividing it by the number of units outstanding.
A new fund offer (NFO) is the first subscription offering for any new fund released by an Asset Management Company (AMC).
Expense ratio is the cost per unit spent for managing the fund. It includes management fees, operating expenses of the fund. Index funds generally have lower expense ratios than actively managed funds. Having a low expense ratio ensures more of your money is invested.
Index funds could be ideal for investors who are looking for long-term capital appreciation, those who are looking for portfolio diversification or getting tax deduction benefits by investing in low-cost passive funds. However, it depends on the investor`s financial goals.
Redemption or Repurchase Price is the price at which an investor sells back the units to the Mutual Fund houses or AMC. This price is NAV-related and may include the exit load.
Index mutual funds aim to match the performance of a particular market index like the Nifty 50 and are not actively managed by fund managers. Active mutual funds are actively managed by fund managers who try to outperform the index benchmark. Index funds have a lower expense ratio compared to active funds and could be more cost-effective.
No. All financial assets, including mutual fund units, are exempt totally from Wealth Tax.
You can claim tax deduction benefits of up to ₹1.5 lakh under Section 80C of the Income Tax Act.
Mutual fund gains are taxable. Capital gains on mutual funds are taxed depending on the holding period. Short-Term Capital Gains (STCG) are capital gains generated on assets held for a short duration. Similarly, Long-Term Capital Gains (LTCG) are capital gains generated on assets held for a long duration (more than 12 months for equity-oriented schemes and 36 months for debt-oriented schemes).
As per section 112A of the Income Tax Act, LTCG income tax on equity-oriented schemes is charged at the rate of 10% on capital gains in excess of ₹1 lakh.
As per section 111A of the Income Tax Act, STCG income tax on equity-oriented schemes is charged at the rate of 15%.
As per section 112 of the Income Tax Act, LTCG tax on debt-oriented mutual fund schemes is charged at 20% with indexation benefits.
STCG income tax on debt-oriented mutual funds is charged as per your income tax slab.
A Fund`s performance can be tracked by checking the Net Asset Value (NAV) of the given fund. NAVs of a Fund are calculated on a day-to-day basis. A fund`s performance can either be measured against its benchmark, which is a stock market index such as Sensex, Nifty 50, or against schemes from other fund houses which have a similar investment objective.
The difference between the index and the fund`s returns is known as tracking error. Low tracking error means a portfolio is closely following its benchmark.
Mutual fund investments are subject to market risks. The various types of risks in addition to market risks are concentration risks, credit risks, etc. However, it is essential to be patient and stay invested for a long time to balance out the losses you may have incurred due to the market dip.
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Navi Mutual Fund is registered with the Securities & Exchange Board of India (SEBI) with Anmol Como Broking Private Limited as its Sponsor. Navi AMC Limited is the Investment Manager to Navi Mutual Fund. Navi Trustee Limited is the trustee to Navi AMC Limited. In addition to Navi AMC, Navi offers a range of financial services and products such as Cash Loans, Housing Loans and General Insurance. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Registered Office Address: AMR Tech Park, Ground Floor, Municipal/ Khata No. 826/792/46/23/1/24/1, Hongasandra Village Hosur Road, Bengaluru- 560068.
Investment & Operations Office Address: 7th Floor, Wing B, Prestige RMZ Startech, No. 139, 2, Hosur Rd, Koramangala Industrial Layout, S.G. Palya, Bangalore- 560095, India

Office Number: +91 80 4511 3444
Non Toll Free Customer Care Number : +91- 81475 44555
Toll Free Customer Care Number : 1800 103 8999
Email :mf@navi.com

Mutual fund investments are subject to market risks, read all scheme related documents carefully.

All information is subject to specific conditions | © 2022 Navi Technologies Ltd. All rights are reserved.