Mutual Funds
At OJ Financial, We Recognize That Every Investor's Jouney is Unique - Wheather You're A First-Time Retail Investor Or A Seasoned HNI (High Net-Worth Individual). That's Why We Offer A Comprehensive Range Of Investment Products To Match Your Financial Goals, Time Horizons, And Risk Appetite.
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Explore the major categories of Mutual Funds
OJ offers access to SEBI-registered mutual fund schemes from India’s top AMCs
(Asset Management Companies), categorized as:
1. Equity Mutual Funds
Best for: Long-Term Wealth Creation | Moderate to High Risk | 5+ Years Horizon
Equity funds invest primarily in shares of companies listed on stock exchanges. These funds have the potential to generate high returns over the long term but may be volatile in the short term.
Popular sub-categories
Large Cap Funds
Invest in the top 100 companies by market capitalization.
Example: Nippon India Large Cap Fund
Mid Cap Funds
Focus on mid-sized companies (101–250th by market cap).
Example: Axis Midcap Fund
Small Cap Funds
Invest in companies ranked beyond 250 – offering high growth potential.
Multi cap funds
Diversified investment across large, mid, and small caps.
Example: Kotak Multi Cap Fund
Flexi cap funds
Dynamic allocation without restriction on market cap.
Example: Parag Parikh Flexi Cap Fund
ELSS
Offers tax benefits under Section 80C with a 3-year lock-in.
Example: Mirae Asset Tax Saver Fund
Sectoral funds
Targeted exposure to sectors like Pharma, IT, FMCG, or ESG.
Example: ICICI Prudential Technology Fund
2. Debt Mutual Funds
Best for: Stable Returns | Low to Moderate Risk | 1–3 Years Horizon
Debt funds invest in fixed income securities such as government bonds, corporate bonds, treasury bills, and money market instruments. These are ideal for conservative investors or those with short- to medium-term financial goals.
Popular sub-categories
Liquid funds
Invest in securities with a maturity of up to 91 days.
Example: HDFC Liquid Fund
Ultra short funds
For investment horizons ranging from a few months to 1 year.
Example: Aditya Birla Sun Life Savings Fund
Short duration funds
Typically invest in debt instruments maturing in 1–3 years.
Example: IDFC Short Term Fund
Corporate bond funds
Invest in high-rated corporate debt instruments.
Example: Kotak Corporte Bond Fund
Gilt funds
Invest only in government securities – ideal for risk-averse investors.
Example: SBI Magnum Gilt Fund
Explore the Major Categories of Mutual Funds
OJ offers access to SEBI-registered mutual fund schemes from India’s top AMCs
(Asset Management Companies), categorized as:
3. Hybrid Mutual Funds
Best for: Balanced Approach | Moderate Risk | 3–5 Years Horizon
Hybrid funds combine equity and debt instruments to provide a balanced investment option, aiming for both growth and stability
Popular sub-categories
Aggressive hybrid funds
~65–80% invested in equities, rest in debt.
Example: ICICI Prudential Equity & Debt Fund
Balanced advantage funds
Adjust equity-debt mix based on market conditions.
Example: Edelweiss Balanced Advantage Fund
Conservative hybrid funds
~75–90% in debt, suitable for low-risk investors.
Example: HDFC Hybrid Debt Fund
Multi asset allocation funds
Invest in three or more asset classes like equity, debt, gold, etc.
Example: Axis Triple Advantage Fund
Benefits of Investing in Mutual Funds with
OJ Financial Services
At OJ Financial Services, we offer more than just access to top-performing funds — we offer a holistic wealth management experience:
✅ Personalized advisory -
Get recommendations aligned with your financial goals
✅ Wide fund selection -
Access top AMCs and over 2,000 mutual fund schemes
✅ Online investment platform -
Invest, track, and switch funds digitally
✅ Expert reviews -
Ongoing monitoring of your mutual fund portfolio
✅ Low entry barrier -
Start with SIPs from as low as ₹500
✅ Tax-efficient options -
Choose funds with tax-saving features like ELSS
Systematic Investment Plan (SIP)
Invest with Discipline
A SIP allows you to invest a fixed amount regularly in a mutual fund scheme, helping you:
Build wealth gradually
Benefit from rupee cost averaging
Develop a disciplined saving habit
Harness the power of compounding
Whether you invest ₹500 or ₹5,000 per month, SIPs can help you achieve long-term financial success.
Mutual Fund Taxation – Know Before You Invest
| Fund type | Holding period | Short-term tax | Long-term tax |
|---|---|---|---|
| Equity Funds | Less than 12 months | 20% on capital gains | 12.50% on gains exceeding ₹1 lakh per year |
| Debt Funds | Any | Taxed as per individual income tax slab | Taxed as per individual income tax slab |
| Hybrid Funds | Depends on equity portion | Follows tax rules of dominant asset class | Follows tax rules of dominant asset class |
Note: Tax regulations are subject to change as per government announcements. Consult with a tax advisor.
Alternative Investment Funds (AIF)
Explore Beyond the traditional with high-yield opportunities
At OJ Financial Services, we offer access to Alternative Investment Funds (AIFs) — a sophisticated investment vehicle tailored for investors seeking diversification, higher alpha, and exposure to non-traditional assets. AIFs are ideal for High Net-Worth Individuals (HNIs) and institutional investors aiming to go beyond equities and mutual funds.
Diversified investment universe
Gain exposure to unique asset classes not available in traditional investments.
Expert-led fund management
Funds are managed by experienced professionals with deep industry, sectoral, and macroeconomic insights.
Structured risk management
Investments are backed by comprehensive due diligence, risk controls, and governance frameworks.
Regulatory oversight
All AIFs offered through OJ are registered and compliant with SEBI guidelines, ensuring investor safety and transparency.
Types of AIFs We Offer
Category I AIF
Invests in start-ups, SMEs, social ventures, and infrastructure projects. Ideal for investors interested in early-stage or impact-driven investments.
Category II AIF
Focuses on private equity, debt funds, and structured credit products. Suitable for investors aiming for consistent medium- to long-term returns.
Category III AIF
Engages in complex trading strategies, including hedge funds and derivatives. Best for aggressive investors seeking high-return potential.
Portfolio Management Services (PMS)
Personalized strategies. Expert Execution. Transparent growth.
At OJ Financial Services, our PMS solutions are built for investors who seek customized, actively managed portfolios. With direct ownership of securities, transparent reporting, and expert fund management, PMS is ideal for high-net-worth individuals aiming to outperform traditional investment routes.
Diversified investment universe
Gain exposure to unique asset classes not available in traditional investments.
Expert-led fund management
Funds are managed by experienced professionals with deep industry, sectoral, and macroeconomic insights.
Structured risk management
Investments are backed by comprehensive due diligence, risk controls, and governance frameworks.
Regulatory oversight
All AIFs offered through OJ are registered and compliant with SEBI guidelines, ensuring investor safety and transparency.
Types of PMS We Offer
| Type | Description |
|---|---|
| Discretionary PMS | Fund manager makes all buy/sell decisions on your behalf |
| Non-Discretionary PMS | You make final decisions while the advisor provides research and suggestions |
| Advisory PMS | Full control in your hands, with our expert investment advice and strategy |
Frequently Asked Questions
Answers to the most common questions
Table of Content
- Product
- Mutual Funds / AIF / PMS
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For any other questions write us at oj@ojfin.com
or call on +91-11-49670000
