Risk Disclosure

Overview

All investments carry risk. Before investing, please understand the risks below and read the scheme documents carefully.

Key risks in mutual funds

• Market risk: NAV can fall due to changes in market prices.
• Interest rate risk: bond prices move inversely to interest rates.
• Credit risk: an issuer may fail to pay interest or principal.
• Liquidity risk: some securities may be hard to sell quickly.
• Concentration risk: sector or thematic schemes may be less diversified.
• Currency risk: international schemes are affected by exchange rate movements.

The riskometer

Every scheme carries a riskometer with six levels: Low, Low to Moderate, Moderate, Moderately High, High and Very High. Check it before investing.

Fixed deposits and bonds

Corporate fixed deposits are not insured by DICGC and carry credit risk. Credit ratings are opinions and may change.

Insurance

Returns in market-linked insurance products depend on fund performance. Read policy terms, exclusions and charges carefully.

No assurance

There is no assurance that the investment objective of any scheme will be achieved. Past performance may or may not be sustained in future.