Invest in
Mutual Funds

Mutual funds are investment funds managed by professional fund managers who pool money from individual investors to invest in various financial instruments such as stocks, bonds, and other assets. The fund managers make investment decisions based on factors like investors' risk tolerance and investment duration.

Investing in mutual funds is simple:

• Download the Appreciate app and set up an account (if you haven’t already).
• Set up mutual funds (if you are not KYC verified).
• Go to the invest section → Select MF.
• Browse through the different fund options.
• Select a fund and place a one-time order.

We understand it can be overwhelming. Use our "My Investment Calculator" to simplify the process. Note that this is not a buy or sell recommendation.

Due to regulatory compliance, we must verify your data again to make you eligible for mutual funds. This verification involves submitting a selfie, signature, and verifying Aadhar via Digilocker. The KRA will share the final status within 24-48 hours.

Yes, you can invest in mutual funds without setting up a cash account for U.S. stocks. Just add a separate bank account for mutual funds from mini-modules, and you’re good to go.

Yes, you can still invest in mutual funds. Add a bank account specifically for mutual funds from the mini modules → bank account section and use it for all your investments. Remember to activate your mutual fund KYC account from the mutual fund home dashboard.

It's simple:

• Search for the fund you wish to invest in.
• Scroll to the bottom and click on "One-Time."
• Enter the amount and other details.
• Complete OTP verification.
• Select the bank account for investment and the same bank on your UPI app.
• Your investment will be completed and executed in 4-5 working days.
• Track your investments in the portfolio section.

To make a one-time investment in mutual funds, you will place a UPI lump sum order. The process is simple:

• Select one of your registered bank accounts.
• Go to your UPI app, select the same bank account, and make the payment. If you select a different bank account on your UPI app or enter a UPI ID that doesn’t belong to the selected bank account, the payment will fail.

We apologize for this experience. There can be multiple reasons for the failure:

• Entered less than the minimum investment required.
• Did not select the same bank on the UPI app/UPI ID that was previously selected.
• The selected bank account did not have enough balance.
• Bank server or payment server issue. If you encounter any issues, please raise a support ticket so we can check and resolve them for you.

You can track your invested amount and its value returns over time through the portfolio section on the Mutual Fund home screen. When you click on it, you’ll be taken to the details screen with in-depth information regarding your transactions, one-time payments, and all active SIPs.

Adding a bank account for mutual funds is simple. There are two ways:

• Mini modules → Bank accounts → Mutual funds → Add bank: Enter your preferred bank account details, and we will verify the account within seconds.
• Add a new bank account: While placing a one-time investment order, add another bank account, complete the verification, and use the same account for investment.

Notes:

• Ensure entering the correct bank account details for smooth verification.
• Ensure sufficient funds in your bank account to avoid order cancellation.
• You can add up to 4 bank accounts, so choose wisely.

Yes, you can use your YES Bank account for mutual fund investments and withdrawals. Just select YES Bank while placing an investment order.

Adding a separate bank account for mutual funds is not mandatory but suggested. If your YES Bank account creation fails, you can add another bank account and invest in mutual funds. You can add up to 4 bank accounts.

Yes, either retry with the same bank account by entering the correct details or add any preferred bank account of your choice.

Yes, absolutely. Please note, that we do not violate any data privacy concerns and ensure safety and security above everything else. Your bank account details are maintained safely in our system for you to use for your mutual fund investments. We adhere strictly to data privacy regulations and prioritize the security of your personal information.