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a journey into the Indian financial markets offers a wealth of possibilities for wealth creation, and mutual funds have emerged as a favored avenue for investors. In this blog , we’ll delve into the basics of mutual funds, explore the various types available, and discuss their advantages and disadvantages. Additionally, we’ll spotlight platforms that prioritize accessibility for visually impaired users, making the investment landscape more inclusive.

Basics of Mutual Funds.

Let’s start by understanding the basics of mutual funds, exploring their advantages and disadvantages, and examining how individuals within the visually impaired community can benefit from them.

What Are Mutual Funds?

At their core, mutual funds are investment vehicles that pool money from multiple investors to purchase a diversified portfolio of stocks, bonds, or other securities. This collective investment is managed by a professional fund manager employed by the Asset Management Company (AMC).

Net Asset Value (NAV)

The Net Asset Value represents the per-unit market value of a mutual fund. Calculated by dividing the total value of the fund’s assets by the number of outstanding units, NAV is crucial for determining the buying or selling price of mutual fund units.

Units and Unit Holders

Investors in mutual funds hold units, each representing a portion of the total assets. Unit holders participate in the gains or losses of the fund based on the number of units they own.

Types of Mutual Funds

Mutual funds come in various types, catering to different investment objectives and risk appetites. Some common types include equity funds, debt funds, hybrid funds, index funds, and sectoral/thematic funds.

Entry and Exit Points

Investors can enter mutual funds through a lump sum investment or Systematic Investment Plans (SIPs) where fixed amounts are invested at regular intervals. Exiting involves selling units at the prevailing NAV, with potential exit loads in certain cases.

Types of Mutual Funds

1. Equity Funds

Focus on investing in stocks, offering the potential for capital appreciation.
Categories include large-cap, mid-cap, and small-cap funds, each targeting companies of different market capitalizations.

2. Debt Funds

Invest in fixed-income securities like bonds, providing regular income.
Categories encompass liquid funds, income funds, and gilt funds, each with varying risk profiles.

3. Hybrid Funds

Combine both equity and debt instruments for a balanced approach.
Include balanced funds and monthly income plans (MIPs).

4. Index Funds

Mimic the performance of a specific market index, such as the Nifty or Sensex.
Aim to replicate the index’s returns by holding similar securities.

5. Sectoral and Thematic Funds

Concentrate on specific sectors (e.g., technology, healthcare) or themes.
Offer targeted exposure to industries or trends.

Advantages of Mutual Fund Investing


Mutual funds pool resources to invest in a diversified portfolio, spreading risks across multiple securities.

Professional Management

Fund managers with expertise make strategic investment decisions, leveraging their knowledge for optimal returns.

Disadvantages of Mutual Fund Investing

Fees and Expenses

Mutual funds incur fees and expenses that can impact overall returns, including management fees and possible exit loads.

Market Risk

Subject to market fluctuations, mutual funds are not immune to economic downturns or adverse market conditions.

Dependency on Fund Managers

The success of a mutual fund is linked to the fund manager’s skills, and any underperformance can affect returns.

Best Platforms for Visually Impaired Users


Renowned for its user-friendly interface, Scripbox ensures accessibility features are integrated for users with visual impairments.


With a focus on inclusive design, Groww provides a visually impaired-friendly app and website for seamless navigation.

Paytm Money

Paytm Money offers features like voice-assisted transactions and screen reader compatibility, ensuring a smooth experience for visually impaired users.


Understanding the basics of mutual funds empowers investors to navigate the complexities of the Indian financial markets. Whether opting for equity, debt, hybrid, or index funds, aligning choices with financial goals is paramount. For visually impaired users, platforms like Scripbox, Groww, and Paytm Money prioritize inclusivity, ensuring that everyone can partake in the benefits of mutual fund investing.