1. Equity/Growth Funds

• Investment Objective: Long-term capital growth

• Investment Strategy: At least 65% of the corpus is invested in stocks

• Risk Profile: High-risk, high-return potential

• Investor Suitability: Investors with a long-term outlook (5+ years) and high-risk tolerance

• Benefits: Potential for high returns, diversification across industries and sectors

2. Debt/Income Funds

• Investment Objective: Stable income with low risk

• Investment Strategy: At least 65% of the corpus is invested in fixed-income securities (bonds, gilts, debentures)

• Risk Profile: Low-risk, stable returns

• Investor Suitability: Investors seeking safety and moderate growth, with a shorter investment horizon (2-5 years)

• Benefits: Regular income, low volatility, preservation of capital

3. Balanced Funds

• Investment Objective: Balanced growth and income

• Investment Strategy: Invests in both equities (around 60%) and fixed-income instruments (around 40%)

• Risk Profile: Moderate risk, balanced returns

• Investor Suitability: Investors seeking moderate growth and income, with a medium-term investment horizon (3-7 years)

• Benefits: Diversification, balanced returns, potential for capital appreciation

4. Money Market/Liquid Funds

• Investment Objective: Liquidity and moderate-income

• Investment Strategy: Invests in short-term instruments (Commercial Paper, Treasury Bills, Certificates of Deposit) for less than 91 days

• Risk Profile: Very low-risk, liquid investment

• Investor Suitability: Individual and corporate investors seeking a low-risk, short-term investment (less than 1 year)

• Benefits: Easy liquidity, preservation of capital, moderate income

5. Gilt Funds

• Investment Objective: Investment in government securities

• Investment Strategy: Invests only in government securities, carrying no credit risk but some interest rate risk

• Risk Profile: Low-risk, returns tied to government security yields

• Investor Suitability: Investors seeking a safe investment with minimal risk

• Benefits: Safety, liquidity, returns tied to government security yields

These categories help investors align their investments with their risk tolerance, investment objectives, and time horizon. It's essential to understand your individual financial goals and risk profile before investing in mutual funds.