Legal
Last updated: April 1, 2026
Investment values fluctuate with market conditions. Equity investments can lose value in the short term. Long-term investors have historically recovered from market downturns, but this is not guaranteed.
Returns may not always keep pace with inflation. Low-risk investments (such as liquid funds or FDs) may provide returns below the inflation rate, reducing real purchasing power over time.
Some investments have lock-in periods (e.g., ELSS: 3 years, NPS: until retirement). Early redemption may not be possible, or may attract penalties and lower returns.
Investing a disproportionate amount in a single asset class, sector, or fund increases risk. Diversification across asset classes, sectors, and geographies helps mitigate this risk.
Debt funds carry credit risk — the risk that issuers of bonds held in the fund may default. Credit ratings help assess this risk, but are not guarantees.
Rising interest rates reduce the market value of existing bonds in debt funds. Longer-duration funds are more sensitive to interest rate changes.
International fund investments are subject to currency fluctuations. A strengthening Indian Rupee can reduce returns from foreign investments, and vice versa.
AMFI Risk Disclosure: Mutual Fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not indicative of future performance. The NAV of the schemes may go up or down based on the performance of securities and factors influencing the capital market.