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Large & Mid Cap Equity Mutual Funds
- Average returns - Dynamic
- Number of funds - (Static)
What is a Large and Mid-Cap Mutual Fund?
A Large and Mid-Cap Mutual Fund is an equity fund that invests its portfolio in a mix of Large and Mid-Cap stocks and securities to gain from long-term market growth.
Advantages of Large and Mid-Cap Mutual Funds
Growth potential
Being equity-oriented, Large and Mid-Cap Mutual Funds offer a good growth potential for long-term investors.
Portfolio diversification
As the fund invests in securities across two market caps, you benefit from a diversified portfolio investing in both Large and Mid-Cap stocks.
Professional management
Large and Mid-Cap Mutual Funds are actively managed schemes wherein experienced portfolio managers manage the portfolio.
Explore Large and Mid-Cap Funds
AUM: 23427(Cr)
Risk: Very High
- MIN. INVESTMENT 500
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹10000
- Get (30 Yrs) ₹24,850*
*Projections/estimations is backtested using historical data.
- AUM: 23427(Cr)
- Risk: High
- MIN. INVESTMENT 1000
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹15000
- Get (30 Yrs) ₹34,850*
*Projections/estimations is backtested using historical data.
Large and Mid-Cap Funds Returns Calculator
REGULAR INVESTMENT
SIP
Invest systematically in regular amounts and build a corpus with a disciplined investing habit.
ONE TIME INVESTMENT
Lump sum
Invest once with the facility of lump sum investing and save at your will. Time the market correctly and earn good returns.
Total Amount Invested
₹ 0
after 30 years you will get a return of
₹ 0
Disclaimer: Projections/estimations is backtested using historical data.
Total Amount Invested
₹ 0
after 30 years you will get a return of
₹ 0
Disclaimer: Projections/estimations is backtested using historical data.
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Understanding Large and Mid-Cap Funds
Table of Contents
What are Large and Mid-Cap Funds?
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Large and Mid-Cap Mutual Funds are equity schemes which combine securities across large and Mid-Cap market capitalisation. It offers a wider portfolio diversification so that investment risks are reduced.
What are the features of Large and Mid-Cap Funds?
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Actively managed equity mutual funds
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Good combination of mid-cap returns and large cap security
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Suitable for investors with a long-term investment horizon
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Invest through SIPs or lump sum
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Earn tax-free returns up to ₹1 lakh if you stay invested
What is the meaning of market capitalisation?
Market capitalisation means the total value of a company’s shares
The total number of listed shares is considered for calculation
The current market value is taken to calculate the market cap
Formula -
Market capitalisation = total number of outstanding shares X current market value per share
What should be the investment horizon for Large and Mid-Cap Funds?
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Large and Mid-Cap funds have a high risk profile
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They are prone to short-term volatility and negative investment returns
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To avoid short-term volatility, a long-term investment horizon is recommended
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A long-term horizon also helps earn attractive investment returns as large and Mid-Cap companies grow
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You also get a tax benefit on staying invested for a longer tenure
What is the tax implication of Large and Mid-Cap Funds?
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Returns up to ₹1 lakh are tax-free if you stay invested for 12 or more months
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Returns exceeding ₹1 lakh are taxed at 10%
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For redemption within 12 months, returns are taxed at 15%
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Dividends earned, if any, are taxed at your income tax slab rate
What are the payout options?
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Dividend option
Earn dividends on your investment at regular intervals
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Growth option
Accumulate the returns over the investment tenure and get a lump sum amount on redemption
FAQs On Large and Mid-Cap Funds
Which type of fund is suitable for you depends on your investment goals, risk tolerance, and investment horizon. Each type has its benefits.
While large-cap funds
help you avoid risk to a larger extent by investing in established company stocks, mid-cap funds carry relatively higher risk with more volatility and higher return potential. If you opt for Large & Mid-Cap Funds, you adopt a middle-ground strategy where you have the low-risk factor of the large-cap component plus the growth potential of the mid-cap component.
Large & Mid-Cap Funds are risky because of the balance between the volatility of mid-cap stocks and the relative stability of large-cap stocks. These funds can be lucrative if you invest wisely based on your investment horizon, risk appetite, and specific financial goals.
The minimum investment limit for Large & Mid-Cap Funds can vary based on the specific fund and the fund house. Generally, you can start a SIP in a large & mid-cap fund for as low as ₹100 and a lumpsum investment for as low as ₹1000.
At any point, investing for any financial goal depends on time horizon and risk tolerance. For education funding, consider the following.
• The ideal investment horizon for Large & Mid-Cap Funds is considered 5+ years. If your course starts in 5 years, consider diversifying your portfolio with other investments.
• If you have a low-risk tolerance, adding bonds should make your portfolio more conservative.
• Get a proper estimate of the amount you need for your education. If it’s time-sensitive, focus on capital preservation more than on aggressive growth.
• Ensure you have a fully safe, highly liquid emergency fund available. Relying completely on investments with the slightest risk would not be a wise option.
No, the allocation of Large & Mid-Cap Funds that go into large-caps and mid-caps is up to the fund manager
, subject to a minimum of 35% for each category as per SEBI guidelines. The fund manager is free to pick a variety of funds within the specific category. Hence, the fund's past performance would be a good sign to look out for before investing, although not indicative or reliable.
If you are particular about your allocations, you can choose to invest separately in large-cap and mid-cap funds so that you have the freedom to create your portfolio.
Types of Equity Mutual Funds
Funds Based On Market Capitalisation
Funds Based On Investment Style
Other Asset Class Funds
ETF Funds
Invest in funds listed and traded on the stock exchange
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Fund of Funds
Mutual funds that invest in other mutual funds both in India and globally
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Hybrid Funds
Get a mix of equity, debt and other asset classes for a diversified portfolio
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Index Fund
Passively-managed mutual funds tracking a particular index
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