By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Mutual funds in India have become one of the most powerful and accessible tools for long-term wealth creation, especially for beginners who want to invest without actively managing the stock market. In 2026, with increasing financial awareness, digital platforms, and ease of investing, mutual funds are […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction SIP investment in India is one of the most powerful and practical ways to build long-term wealth. Whether you are a beginner starting with ₹1,000 or an experienced investor investing ₹50,000 monthly, SIP (Systematic Investment Plan) helps you invest consistently and benefit from compounding. However, most […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction SIP vs RD is one of the most common questions Indian investors ask when choosing between growth and safety. While both Systematic Investment Plans (SIP) and Recurring Deposits (RD) help in disciplined investing, they differ significantly in terms of returns, risk, taxation, and long-term wealth creation. […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Why do some mutual funds give higher returns but feel more risky? The answer lies in alpha and beta in mutual funds—two key metrics that most investors ignore. Understanding alpha and beta in mutual funds helps investors evaluate both performance and risk effectively. When most investors […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Mutual fund ratings India are one of the most commonly used tools by investors to select funds, especially beginners who rely heavily on star ratings and rankings. Many investors assume that a 5-star-rated mutual fund is always the best investment option. However, this assumption can be […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Dividend yield mutual funds India are increasingly becoming popular among investors who want a balance between passive income and long-term wealth creation. Many investors look for regular income sources beyond fixed deposits or rental income. Dividend yield mutual funds provide an opportunity to earn income through […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Interest rates impact on debt mutual funds is one of the most critical concepts every investor must understand before investing in fixed-income instruments. Many investors in India assume that debt mutual funds behave like fixed deposits and provide stable, predictable returns. However, debt mutual funds are […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Yield to maturity in debt mutual funds is one of the most important metrics for investors seeking stable and predictable returns, yet it is often misunderstood. Many investors in India treat debt mutual funds like fixed deposits and assume that the returns are predictable and safe. […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Tracking error in index funds is one of the most important yet misunderstood metrics in mutual fund investing, especially among beginners. Most investors in India choose index funds because they believe these funds simply replicate the market and deliver the same returns as the benchmark index. […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Exit load in mutual funds is one of the most ignored costs by investors, yet it can directly reduce your returns if not understood properly. Most investors in India focus only on returns, SIP amounts, and fund selection. However, they often forget that how and when […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How to identify consistent mutual funds is one of the most important skills an investor can develop, yet most people ignore it completely. Many investors in India select mutual funds based on past returns. They look at recent rankings and invest in funds that appear at […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Fund size (AUM) in mutual funds is one of the most overlooked factors by investors, yet it plays a critical role in determining long-term performance. Most investors in India focus only on past returns, ratings, or SIP performance. However, they rarely ask an important question: Does the […]