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IDFC Mutual Fund

Infrastructure Development Finance Company, abbreviated as IDFC, is one of the leading infrastructure finance company in India with a robust investment network aimed at ensuring healthy returns. Found in 1997, by the Government of India as a financier and catalyst for private sector's involvement in infrastructure development in India. In the year 2000, IDFC Asset Management Company Ltd. was established. IDFC specialises in advisory and finance services in corporate investment banking, mutual funds, infrastructural projects, asset management and alternative assets.

IDFC Asset Management Company Ltd (IDFC AMC) is the umbrella organisation of IDFC Mutual Fund. Having acquired IDFC Mutual Fund in the year 2008, its objective is to generate capital gains by converting private and corporate savings into equity and debt markets, with schemes customised for retail and institutional investors.

Types of Mutual Funds offered by IDFC

The types of mutual funds offered by IDFC Mutual Fund can be classified under three distinct categories:

  • Equity Funds: Best suited as long-term investments for investors with medium to high risk appetite, these invest in stock instruments and attract high returns.

  • Debt Funds: These prove to be a steady source of income and are ideal for investors with a low risk appetite, these fund invest in government securities, bonds, commercial papers, debentures and deposit certificates.

  • Hybrid Funds: These invest the capital in a mixture of both equity and fixed income, minimising risks and offering good returns.

Equity funds offered by IDFC Mutual Fund

IDFC Sterling Value Fund

This open-ended investment scheme with moderately high risk factor aims to generate value over the long-term by investing a diversified mix of equity and equity-related instruments.

IDFC Tax Advantage (ELSS) Fund

This open-ended equity-linked saving scheme with a moderately high risk factor caters to the investment objectives of those planning to invest in a combination of equity and equity-related instruments over the long-term. Besides, being an ELSS scheme, investors are eligible for tax deductions under Section 80C of the Income Tax Act, 1961.

IDFC Multi Cap Fund

As the name suggests, this scheme invests in mix of small, medium and inter alia sized companies. It experiences capital growth over a long period of time and inculcates the habit of systematic investing.

IDFC Infrastructure Fund

As evident from the name, this open-ended equity scheme invests in equity and equity-related instruments of Indian companies in infrastructure and related fields. This is best suited for wealth creation over the long term at moderately high risks.

IDFC Core Equity Fund

This open-ended equity scheme invests the capital in a portfolio of mid-cap and large-cap stocks of good companies across market capitalisation as a long-term investment.

IDFC Focused Equity Fund

This fund aims at building a diversified portfolio of equity and equity-related schemes of a maximum of 30 companies across industries. It is a long-term investment that is accompanied by moderately high risks.

IDFC Arbitrage Fund

This fund generates income by investing in arbitrage opportunities in cash and derivative segments of equity markets, and also by investing in debt and money market instruments. It focuses on returns during low market volatility on short to medium term investments.

IDFC Nifty ETF

This open-ended exchange traded fund that is accompanied by a moderately high risk factor focuses on attracting long-term returns that are equivalent to the returns of stocks enlisted under Nifty 50 before expenses.

IDFC Sensex ETF

This open-ended exchange scheme focuses on ensuring returns equivalent to that of the S&P BSE Sensex Index before expenses by investing in equity and equity-related investments as well as stocks related to S&P BSE Sensex Index; Other equity funds from IDFC Mutual Fund include:

  • IDFC Nifty Fund
  • IDFC Large Cap Fund

Debt funds offered by IDFC Mutual Fund

IDFC Government Securities Fund - Constant Maturity Plan

It is an open-ended dedicated gilt fund with moderate risks, which aims to achieve generate high returns, along with liquidity, by investing in a combination of government securities, state development loans and treasury bills. It is a long-term investment portfolio with a maturity period of 10 years on an average. The capital is usually invested at the shorter end of the sovereign yield curve.

IDFC Low Duration Fund

It is an open-ended income scheme, accompanied by a moderately low risk factor and relative stability, with a benchmark of CRISIL Liquid Fund Index. It aims at increasing income and achieving high liquidity by investing in high quality debt and money market instruments. These instruments are aligned to the Macaulay duration, that is, between 6 months to 1 year.

IDFC Cash Fund

This low risk, open-ended liquid scheme seeks to achieve high liquidity and increase in income. It invests in debt and money market instruments with a maximum maturity period of 91 days. Therefore, it is best suited for investors looking for short-term returns.

IDFC All Seasons Bond Fund

The objective of this Fund of Fund (FOF) scheme is to generate good returns over medium to short-term investing in money market and debt instruments. It offers the flexibility of switching between funds from a specific list of short-term offerings.

IDFC Government Securities Fund-Investment Plan (IP)

This open-ended dedicated gilt fund aims to optimise returns and ensure high liquidity on investments in government securities.

IDFC Bond Fund - Short Term Plan

This is an open-ended income fund with moderately low risk factor with mixed portfolio of short-term debt and money market instruments that are aligned to Macaulay duration between 1 and 3 years.

IDFC Banking and PSU Debt Fund

As suggested by the name, this fund majorly invests in high quality money market and debt instruments of banks, Public Sectors Undertaking (PSU) and Private Finance Initiative (PFI) over a short to medium term.

Other Debt Funds from IDFC Mutual Fund are:

  • IDFC Money Manager Fund
  • IDFC Banking and PSU Debt Fund
  • IDFC Dynamic Bond Fund Regular Plan
  • IDFC Bond Fund - Medium Term Plan
  • IDFC Bond Fund - Long Term Plan
  • IDFC Corporate Bond Fund
  • IDFC Credit Risk Fund

Hybrid Funds by IDFC Mutual Fund

IDFC Asset Allocation Fund of Funds

Aggressive Plan: This fund invests in a diversified portfolio of three asset classes – debt, equity and gold. At first, the capital allocated in equity funds is invested across market capitalisations, and subsequently in debt where capital is invested in short-term funds. The investment assigned for gold meets the objective of safeguarding the entire portfolio against inflation. Further, each of these asset allocations are rebalanced into 3 fund categories – conservative, moderate and aggressive. The aim is to optimise returns over the long term.

IDFC Asset Allocation Fund of Funds Moderate Plan

This fund of fund scheme also invests in a mix of three asset classes - debt, equity, and gold. Equity funds are invested across market capitalisations, while debt funds are invested in short-term funds. The investments in gold protect the portfolio against inflation. Each of these fund classes are further rebalanced into three categories – conservative, moderate and aggressive. This is a long-term investment scheme that focuses on capital appreciation and income generation.

IDFC Asset Allocation Fund of Funds

Conservative Plan: Like the two earlier schemes, this fund of fund scheme also invests in a mix of three asset classes - debt, equity, and gold. Equity funds are invested across market capitalisations, while debt funds are invested in short-term funds. The investments in gold protect the portfolio against inflation. Each of these fund classes are further rebalanced into three categories – conservative, moderate and aggressive. This is a long-term investment scheme that focuses on capital appreciation and income generation.

IDFC Dynamic Equity Fund

An open-ended dynamic asset allocation fund invests in debt, equity, market and derivatives, based on market evaluation. Equity funds are purchased when the capital market is not expensive. These are best for long-term investments.

IDFC Hybrid Equity Fund

This hybrid invests in both debt and equity instruments over the long term for wealth creation and stable returns.

Tax Savings Mutual Funds from IDFC Mutual Fund

IDFC Tax Advantage (ELSS) Fund

This open-ended equity-linked saving scheme with a moderately high risk factor caters to the investment objectives of those planning to invest in a combination of equity and equity-related instruments over the long-term. Besides, being an ELSS scheme, investors are eligible for tax deductions under Section 80C of the Income Tax Act, 1961.

Top 10 Mutual Funds from IDFC Mutual Fund

The following is the list of the leading funds based on their performance:

Name of SchemesTypeNAV1-Y Return %3-Y Return %5-Y Return %
IDFC Low Duration Fund Regular - GrowthGrowth25.156.247.638.47
IDFC Low Duration Fund Regular - Dividend WeeklyDividend10.116.247.638.47
IDFC Low Duration Fund Regular - Dividend QuarterlyDividend10.796.247.638.47
IDFC Low Duration Fund Regular - Dividend MonthlyDividend10.136.247.638.47
IDFC Low Duration Fund Regular - Dividend DailyDividend10.076.247.638.47
IDFC Low Duration Fund Regular - DividendDividend13.586.247.638.47
IDFC Low Duration Fund Regular - GrowthGrowth16.330.759.3718.65
IDFC Infrastructure Regular Fund Regular- DividendDividend15.350.759.3718.65
IDFC Infrastructure Direct Plan - GrowthGrowth17.592.5811.0420.35
IDFC Infrastructure Direct Plan - DividendDividend17.242.5811.0420.35

Who is eligible for IDFC Mutual Fund

To be eligible for investing in fund schemes from IDFC Mutual Fund, an individual should belong to any one of the following:

  • Residents of India, adults and minors (For first-time online investments, one has to be a resident individual)

  • Hindu Undivided Family (HUF)

  • Non-Resident Indians (NRI)

  • Sole Proprietors

Documents Required for IDFC Mutual Funds

If you are an individual who wants to invest in fund schemes from IDFC Mutual Fund for the first time through a distributor, the following is the list of documents that will be required:

  • Application form of the scheme (available online)
  • Nomination form (available online)
  • Proof of Date of Birth (in case you are a minor)
  • Cheque or letter for fund transfer by NEFT/RTGS transfer
  • Power of attorney
  • Cancelled cheque for bank mandate registration
  • Third-party declaration form
  • Copy of KYC acknowledgment

If you are an individual who wants to invest in fund schemes from IDFC Mutual Fund online, the following is the list of documents that will be required:

  • Cancelled cheque or bank statement or passbook, scanned and self-attested
  • Proof of relationship with a guardian (if you are a minor)
  • The proof of relationship between the parent/guardian (if the applicant is a minor) For non – individual investing in fund scheme from a distributor, the necessary documents required are:
  • Application form of the scheme
  • Authorised Signatory List
  • Preferred mode of payment
  • Board Resolution (BR)
  • Cancelled cheque for bank mandate registration
  • Copy of KYC acknowledgement

If you are an NRI planning to invest in mutual funds from IDBI Mutual Fund for the first time through a distributor, the required documents are:

  • Application form of the scheme
  • Nomination form (available online)
  • Cheque or letter of transfer by NEFT/RTGS
  • Debit certificate from your bank as a proof of transaction from NRE/NRO account
  • Cancelled cheque for bank mandate registration
  • Power of attorney
  • Third-party declaration form
  • Proof of Date of Birth (if you are a minor)
  • Copy of KYC acknowledgment

How to invest in IDFC Mutual Funds online

You can invest in IDFC Mutual Fund by following these simple steps:

  • Visit the IDFC Mutual Fund official website and select one of these options as applicable to you - existing or first-time customer.

  • Click on the “Get Started’ button

  • You will be redirected to another page where you have to enter details about your bank through which you want to make your transactions, followed by your PAN number and date of birth.

  • Select any one of the ‘mode of following options - Single, Anyone, Survivor and Either or Survivor. If you choose either of the last two options, you will have to mention your PAN number and date of birth of the secondary holder as well as that of the third holder (if you have any).

  • If you are a citizen of India residing within the country, you will have to tick the relevant box.

  • Click on the box on the left side of ‘I am not a robot’ and then click on the ‘Continue’ button.

  • Your KYC compliance certificate will be verified. If you don’t have a KYC acknowledgement certificate, you will have to submit the necessary documents online or offline.

  • If you prefer the offline procedure for KYC compliance, you will be redirected to another page where you have to mention your personal details in the relevant form and then submit it.

  • If you opt for the online process, you have to authenticate your identity either through a One-Time Password (OTP) or by biometric.

  • If you have chosen the:

  • OTP option - You have to enter your Aadhaar number, contact number and email ID, so that an OTP is generated on your registered email ID and contact number. After entering the password that you have received, you will have to enter a few other details and then click on the ‘Next’ button.

  • Biometric option - You have to enter your Aadhaar number, contact number, email ID and gender, along with a scanned version of your signature and then click on the ‘Finger Scan’ button. Click on the ‘Next’ button. • IDFC Mutual Fund Company will get in touch with you on your registered contact number to complete the verification process.

Why choose IDFC Mutual Funds

Here are some reasons behind why investing in IDFC Mutual Fund is a smart decision:

  • Become eligible for tax exemptions of up to INR 1,50,000 and make the most of IDFC tax advantage, apart from enjoying the fixed returns.

  • Avail tax exemptions under Section 80C of Income Tax Act, 1961, by investing in ELSS.

  • Streamlined online transactions for stalking, switching and redeeming fund schemes.

  • Minimise risks that are typical to fund diversification by investing in IDFC mutual fund schemes.

  • Experienced portfolio managers to guide you with mutual fund investments that meet your financial objectives and prevent you from making errors of judgement that are usually made by inexperienced investors.

  • Minimal and predictable price fluctuations of mutual fund schemes, which offer stable returns on the invested capital.

  • Complete transparency is maintained regarding the existing performance of schemes that investors have invested in.

FAQs on IDFC Mutual Funds

How much of my returns will be given to my nominees?

You have the option of specifying up to 3 nominees and also mentioning the percentage of returns that you would like each of your nominees to receive. If you don’t specify it, each of your nominees will receive an equal share of your returns.

Is it necessary for me to add nominees to my portfolio?

Nomination is compulsory for new folio accounts of investors, especially those with single holdings, so that the benefits accrued on the folio can be transmitted to the nominee on the death of the holder. Adding a nominee(s) for joint holdings is a wide decision, though not mandatory, so that the benefits can be transmitted to the nominee(s) in case of the death of all the holders.

How do I buy IDFC Mutual Fund plan online?

You can invest in IDFC Mutual Fund by following these simple steps:

  • Visit the IDFC Mutual Fund official website and select one of these options as applicable to you - existing or first-time customer.
  • Click on the “Get Started’ button
  • You will be redirected to another page where you have to enter details about your bank through which you want to make your transactions, followed by your PAN number and date of birth.
  • Select any one of the ‘mode of following options - Single, Anyone, Survivor and Either or Survivor. If you choose either of the last two options, you will have to mention your PAN number and date of birth of the secondary holder as well as that of the third holder (if you have any).
  • If you are a citizen of India residing within the country, you will have to tick the relevant box.
  • Click on the box on the left side of ‘I am not a robot’ and then click on the ‘Continue’ button.
  • Your KYC compliance certificate will be verified. If you don’t have a KYC acknowledge certificate, you will have to submit the necessary documents online or offline.
  • If you prefer the offline procedure for KYC compliance, you will be redirected to another page where you have to mention your personal details in the relevant form and then submit it.
  • If you opt for the online process, you have to authenticate your identity either through a One-Time Password (OTP) or by biometric.

  • If you have chosen the:

  • OTP option - You have to enter your Aadhaar number, contact number and email ID, so that an OTP is generated on your registered email ID and contact number. After entering the password that you have received, you will have to enter a few other details and then click on the ‘Next’ button.

  • Biometric option - You have to enter your Aadhaar number, contact number, email ID and gender, along with a scanned version of your signature and then click on the ‘Finger Scan’ button. Click on the ‘Next’ button.

  • IDFC Mutual Fund Company will get in touch with you on your registered contact number to complete the verification process.

How do I contact IDFC Mutual Fund Company?

  • You can call on 1-800-2666688 (for financial transactions) OR 1-800-30066688 (for non-financial calls) between 8 a.m. to 7 p.m., Monday to Friday

  • If you want to visit them, to find out your nearest branch or offices of the registrar

  • For queries and suggestions, to fill up the online form

  • For an advisor, and submit the online form

  • Email them at investormf@idfc.com

How do I login to IDFC Mutual Fund Company website?

Here are the simple steps for first-time investors to login to IDFC Mutual Fund website:

  • Visit the official website of IDFC Mutual Fund
  • Click on the ‘Get Started’ button and fill up the online form with your personal details – bank where you have a savings account (considering you are the primary holder), your date of birth, PAN number and mode of holding. Click on the box to the left side of ‘I am not a robot’ and then click on the ‘Continue’ button
  • Specify your investment details
  • Mention your bank details
  • Finally, invest the funds

For instant access, you can register by following these steps:

  • Visit the official website of IDFC Mutual Fund
  • Fill up the online form with details like PAN number, email ID, bank account number and mobile number
  • Click on the ‘Continue’ button to get started

If you are an existing investor with IDFC mutual Fund, you have to follow these steps:

  • Enter your username or PAN number registered with them
  • Enter the password that you had chosen the first time you had registered with IDFC Mutual Fund
  • Click on the box to the left of ‘I am not a robot’
  • Click on the ‘Login’ button

What is IDFC Mutual Fund Company's Contact Number?

You can call on 1-800-2666688 (for financial transactions) OR 1-800-30066688 (for non-financial calls) between 8 a.m. to 7 p.m., Monday to Friday

What type of investor should invest in a small-cap mutual fund schemes?

Small cap schemes invest in shares of companies which have smaller capitalisation and are within the 250th position of the underlying benchmark. A small cap fund is best suited for investors with a high risk appetite, aiming to invest a small composition from the portfolio against a benchmark. This enables him/her to analyse the fund performance to get an estimate of the return of investment. It is advisable to invest in such a fund through a Systematic Investment Plan (SIP).

Which IDFC mutual fund scheme should I invest?

Here is a list of the top 10 mutual fund schemes from IDFC Mutual Fund that you can invest in:

Here is a list of the top 10 mutual fund schemes from IDFC Mutual Fund that you can invest in:

For growth mutual fund schemes

Low Duration Fund Regular: Returns at 6.24% after 1 year, 7.63 after 3 years and 8.47 after 5 years

Low Duration Fund Regular: Returns at 0.75% after 1 year, 9.375 after 3 years and 18.65% after 5 years

Infrastructure Direct Plan: Returns at 2.58% after 1 year, 11.04% after 3 years and 20.35% after 5 years

For dividend mutual fund schemes

Low Duration Fund Regular – Dividend Weekly: 6.24% after 1 year, 7.63% and 8.47% after 3 years and 5 years respectively

Low Duration Fund Regular - Dividend Quarterly: 6.24% after 1 year, 7.63% and 8.47% after 3 years and 5 years respectively

Low Duration Fund Regular - Dividend Monthly: 6.24% after 1 year, 7.63% and 8.47% after 3 years and 5 years respectively

Low Duration Fund Regular - Dividend Daily: 6.24% after 1 year, 7.63% and 8.47% after 3 years and 5 years respectively

Low Duration Fund Regular – Dividend: 6.24% after 1 year, 7.63% and 8.47% after 3 years and 5 years respectively

Infrastructure Regular Fund Regular- Dividend: 0.75% after 1 year, 9.37% and 18.65% after 3 years and 5 years respectively

Infrastructure Direct Plan – Dividend: 2.58% after 1 year, 11.04% and 20.35% after 3 years and 5 years respectively

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