The biggest question while investing in Mutual Funds is whether to choose Growth Option or IDCW. Many investors choose IDCW option without complete understanding and later realize that their money is not growing that fast.

In this video, we will explain in simple language how Growth option gives the benefit of compounding, why NAV decreases after payout in IDCW option, how regular income affects long-term growth, and what is the real difference between the two options. Besides, the process of switching from dividend to growth option, important things related to exit load and tax will also be explained. This video will help you in taking the right decision.

Sebi Board Meeting December 2025: The Board of Directors of market regulator Securities and Exchange Board of India (SEBI) will consider the report of the high-level committee constituted on issues related to conflict of interest of senior officials in an important meeting on Wednesday. This will be its fourth board meeting to be chaired by SEBI Chairman Tuhin Kant Pandey, in which the comprehensive reforms suggested to increase transparency and accountability will be discussed.

Important meeting of SEBI

The committee has made recommendations such as public disclosure of assets for top SEBI officials, establishment of a secure and anonymous whistleblower system, ban on expensive gifts, ban on appointment to any post for two years after retirement and creation of a new post of ‘Chief Ethics and Compliance Officer’ (CECO).

Apart from this, relaxation in KYC standards for NRIs, introduction of ‘closing auction session’ in the stock market and proposed changes in mutual fund and stock broker rules will also be considered in the meeting. SEBI has already issued a consultation paper on suggestions like clear definition of TER (Total Expense Ratio) in mutual fund rules, setting new limits on brokerage charges and keeping statutory taxes out of TER.

Along with this, the Board can also take a decision on the proposal to review the Stock Broker Regulations of 1992 and add a clear definition of algorithmic trading, which will further strengthen transparency and regulatory clarity in the market.

SEBI’s approval to NCDEX

National Commodity and Derivatives Exchange Limited (NCDEX) getting in-principle approval from market regulator SEBI to launch a mutual fund trading platform is considered an important strategic step for the exchange. NCDEX said on Monday that through this new facility, investors will be able to buy and sell units of mutual funds, due to which this exchange, which was limited to commodity based trading, will expand its scope.

According to the company, this platform will lay an initial and strong foundation towards the proposed equity trading segment in future, allowing NCDEX to emerge as a multi-asset exchange. The clearing and settlement responsibilities on this proposed mutual fund platform will be handled by National Commodity Clearing Limited (NCCL), which is a wholly owned subsidiary of NCDEX.

This is expected to ensure transparency, security and timely settlement in the transaction process. Market experts believe that this step of NCDEX will give an additional option to investors and with increased competition, mutual fund investment will be made more easy and accessible. Besides, this initiative is also being considered an important sign towards further broadening the role of exchanges in the Indian capital market.

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Stock Market Astrology: Stock market or share market is such a topic in today’s time, in which many people are interested. But still, it is very important to have proper knowledge and understanding before investing in the stock market. Many times even experts take advice from astrologers before investing in the stock market. Let us know what is the connection between astrology and stock market.

Generally, the boom and recession in the stock market is linked to economic signals, policy decisions or international conditions. But according to astrology, the movement of planets has a deep impact on the stock market. There are some planets, in whose auspicious position there is a boom in the stock market, whereas due to inauspiciousness, retrograde or direct movement of the planets, a decline is seen in the market.

Connection of planets with stock market (Planet and Stock Market)

According to astrologer Anish Vyas, Jupiter is considered a factor of profit and growth for the stock market. Mercury is generally considered to be the factor of expansion, wealth and wise investments. Whereas Sun planet is considered to be the factor of treasury, government policies and mutual funds. The auspiciousness and favorable position of these planets can bring positivity in the stock market.

Rahu and Ketu are considered shadow planets in astrology. These are also considered factors of volatility or risk for the stock market, which create situations like sudden changes, instability and confusion. Rapid fluctuations in the stock market and speculation are linked to Rahu.

The movement of Saturn also decides the direction of the stock market. Retrograde Saturn brings decline, whereas in an auspicious position it gives strength and stability to the market. The Moon has a day-to-day impact on the stock market. It is considered to affect the daily sentiments and short-term movements of the market (Daily Fluctuation).

Planetary position and impact on stock market

• When a planet changes its movement i.e. becomes retrograde or direct or rises or sets, it affects the direction of the market.
• Along with this, solar eclipse and lunar eclipse are also considered important factors of change for the market.
• The coming together (conjunction) of various planets such as Sun-Rahu or Moon-Rahu combination can generally bring major negative changes in the stock market.

Planetary influences on various market sectors

Sun	Mutual funds, timber, medicines and treasury etc.
Moon	Glass, milk, aquatic products and cotton.
Mars	Related to minerals, buildings, tea and coffee.
Mercury	Educational institutions, para import-export, cooperative and banking.
Jupiter	Yellow grains, gold, brass, economic zone.
Venus	From sugar, chemicals, beauty products, film industry and rice.
Saturn	Tomorrow – from factories, iron, leather, petroleum and black things.
Rahu-Ketu	Electric, Electronics and Foreign Goods.

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Investment Tips: In today’s times, people’s inclination towards investment has increased a lot. Everyone wants that their hard-earned money is safe and they get good returns on it. Earlier, most people considered FD as the safest option. But now the thinking has changed with time. Now people take decisions by comparing many options like mutual funds, gold and FD.

Some people like the growth point of mutual funds. While some consider gold as a reliable investment. Whereas FD still remains a good option. So the question is, which is more beneficial to invest in and which option suits your needs better. Let us tell you.

Which has more benefit in mutual funds, gold or FD?

If you want better returns then mutual funds can be a good option. There is a little more risk in this. But in the long run they often give better returns than FD and gold. Equity funds are especially suitable for investors who can handle market fluctuations. On the other hand, investing in gold provides stability and it performs well in times of inflation.

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Its value does not reduce. Rather it increases many times. Whereas in FD i.e. fixed deposit, money remains safe at fixed interest rate. But its returns are less as compared to mutual funds. That is, if you can take the risk then funds are better and if you want stability then gold or FD can be a better option.

Which investment is more safe?

FD remains at the forefront in terms of security. Because in this the returns are fixed and the deposited amount remains safe. In bank FD you do not have to bear any impact of market fluctuations. At the same time, the risk in gold is also less. Because its price keeps increasing in the long run. But there may be ups and downs in the short term. Talking about mutual funds, there is market risk associated with them.

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That means your investment depends on the performance of the stock market. However, if you invest for a long period then this risk gradually becomes stable. Therefore, if you want safety then FD and gold are good options. But if you can take some risk with better returns then you can invest in mutual funds.

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Financial Planning: Whenever it comes to financial planning, it is important to understand where to invest and how to protect your money. Three plans always come up in discussions related to personal finance. These are Systematic Investment Plan, Health Insurance Plan and Term Insurance Plan. Let us know how these three are different from each other and also which of these schemes is better for investment.

Systematic Investment Plan

In a systematic investment plan, you have to invest a fixed amount in mutual funds at regular intervals such as monthly or quarterly. It is beneficial for those who want to create wealth in the long run. Like retirement fund, children’s education or buying a house. It remains stable despite market fluctuations. Systematic investment plan through Rupee Cost Everything reduces the risk of market fluctuations. Its biggest advantage is that you can start it with just ₹ 500 per month.

health insurance plan

It is not an investment instrument but an essential part of financial security. Medical complications arise suddenly and can quickly drain your savings. A health insurance plan ensures that you or your family remain financially protected in case of illness, hospitalization or surgery. This plan covers medical bills, room charges, surgery costs and even pre- and post-hospitalization expenses depending on the policy.

term insurance plan

This plan provides complete life insurance. It does not include any savings or investment benefits. Its sole purpose is to provide financial security to someone’s family in case of their sudden death. Under this plan, higher coverage amount can be obtained at lower premium.

Which plan is better for investment

Each of these three plans has a different but equally important objective. A smart financial plan can include all three in a balanced manner. If we talk about systematic investment plan, it helps you in increasing your wealth over time. If we talk about health insurance plan, then you can save on medical bills. Along with this, term insurance plan guarantees the safety of the person’s family in his absence.

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Mutual fund kyc process: KYC has now become very easy for investors investing in mutual funds. Now this will be done only through the post office. KYC verification and document collection services for mutual fund investors will now be given through the post office. Post office staff will help investors to fill KYC forms, verify self -attested documents and transfer them to asset management companies.

According to a press release issued on July 17, 2025, the Department of Posts has signed a memorandum (MoU) with the Association of Mutual Funds in India (AMFI) to provide KYC Verification and Document Collection Services through its more than 1.64 lakh post offices. This initiative will make it easier for mutual fund investors to do KYC.

What is KYC?

KYC means know your customer. In this process, customers are usually asked to deposit their ID proof such as Aadhaar card, PAN card, passport and address proof such as water or electricity bills. This helps in confirming the identity and address of customers and helps prevent illegal activities like fraud and money laundering. This increases transparency between financial institutions and customers.

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Nippon india mutual fund: India is now the fourth largest economy and the largest global brand is turning to India. Not only for the vast size of the market, but also to make India a manufacturing center. Take the example of Apple, which has transferred its manufacturing to India. India has made rapid progress in terms of ease of doing business, which has inspired the global brands to increase operations here. Now you can become part of this development story and invest in some biggest global brands.

Nippon India MNC Fund
Nippon India Mutual Fund has announced the launch of Nippon India MNC Fund, which will give investors a chance to invest in some of the largest companies in the world through the same fund. New Fund Offer (NFO) is open for subscription on 2 July and will be closed on 16 July.

Nippon India MNC Fund will invest in multinational companies, which include companies which are registered in India but work in more than one countries. Hindustan Unilever, Colgate-Palive, Abbott India, Siemens, Bosch and Nestle are some examples of multinational companies.

Why is investment in MNC funds special
Nippon India MNC Fund has the ability to generate alpha returns, as MNCs are a global brand with good performance track records, their strong international appearance, they invest in research and development. They are able to take advantage of operations as they work globally and have a strong balance sheet with low loans.

Additional benefits will be available from India’s economic policies
This fund is also expected to benefit from favorable government policies and growth of Indian economy, which will help multinational companies take advantage of favorable economic conditions. India is on the way to become a global manufacturing center with the help of incentive scheme (PLI) related to production. In addition, strong steps towards digitization and a large percentage of working class population with rising income levels are all drivers of development for multinational companies working in India.

Investment in both Indian and global companies
Nipple India MNC funds give double advantage to investors, as this fund invests in global brands and global operating Indian companies in India. The purpose of this fund is to take advantage of India’s development story of becoming a factory for the world, increase in discretionary expenditure and becoming the innovation center of the world with a large cost -effective skilled manpower population.

Which areas will invest
This fund will focus its investment on Indian multinational companies focusing on high -growing multinational companies and new era businesses taking advantage of opportunities in India. It will also identify leaders with strong brand identified leaders and healthy balance sheets with low debt in many geographical areas.

Nippon India Mutual Fund’s investment basket will include multinational companies from IT, Pharma, Automobile, Consumer, Cement, Metal and Industrial Manufacturing sector.