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In common parlance, a Non-Resident Indian (NRI) is an Indian citizen who is staying abroad for employment, business purpose, or currently living in a foreign land. Like the resident individuals, NRIs are also eligible to invest in mutual funds in India subject to compliance with the FEMA (Foreign Exchange Management Act) provisions. 

<p>India has a low level of mutual fund penetration relative to other major developed economies; the mutual fund AUM is around 10.9% of GDP (FY 2020) where as it is at 63% for major developed economies for the same period. This is because there is a high preference for investing in traditional investment options particular in physical assets such as Real-estate and Gold in India. However, over the last decade, there is a steady change in the preference for investing in India with more investors considering financial assets for achieving their long term goals over the physical assets.

<p><img alt="" src="https://doc.utimf.com/v1/AUTH_5b9dd00b-8132-4a21-a800-711111810cee/UTIC…; /></p>

<p>Large Cap Funds invest your money in Stocks of large companies that maybe more stable and established.</p>

<h2 style="font-size: 21px">HOW DO THEY DIFFER FROM OTHER EQUITY FUNDS?</h2>

As we all know, there are various types of mutual fund schemes catering to different investment needs. And having a right mix of mutual funds may aid in building a corpus over a period of time. Likewise, while investing in value funds it would lead to diversification in investment style and unlock the potential of wealth creation over medium to long run.

<p>The Securities and Exchange Board of India (SEBI) has defined different categories of mutual fund schemes, by sharing guidelines as a broader mandate to design the investment portfolio.

Value Investing is dead was the oft repeated conclusion of investors who were being fed by commentaries of the investing community in early 2020. The conclusion was backed by not only short term performance data of 1 to 3 years performance but even looking at performance data of longer period of 10 years of value as style as compared to growth.

<p>Financial advisors often advise, &ldquo;<em>save first, then spend.</em>&rdquo; It helps the investors to set aside the savings before the same are exhausted with regular living expenses. It also comes in handy, especially for the investors who find it hard to plan for the future and instead insist on living for the present.&nbsp;</p>

<p>When it comes to&nbsp;<strong>financial planning</strong>, certainly there are many questions in the minds of investors. Some may want to know the future value on their consistent savings/investments; some may like to know the actual returns earned from their past savings/investments; some may like to know the investment required to reach a specific financial goals which is in their mind. One can make use of different financial calculators to plan their investments.&nbsp;</p>

With the evolution of the financial markets, investors today have a wide range of investment options to choose from. However, to make an informed investment decision, one must carefully evaluate the different options available out there. This article aims to discuss different broad categories of investments as below:

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