Hey folks, just a quick update for those tracking international mutual funds.

Effective August 18, 2026, HSBC Mutual Fund has resumed fresh/additional lumpsums, switch-ins, and SIPs/STPs in its international schemes.

The Funds:

HSBC Asia Pacific (Ex Japan) Dividend Yield Fund

HSBC Brazil Fund

HSBC Global Emerging Markets Fund

Risk medium.

Your risk profile is

Moderate

Hey everyone,

So my old salary account with Standard Chartered is getting closed from October, and they've asked me to update my linked bank account for all my investments before then.

I started switching things over and I've got mutual funds spread across Quant, Mirae, UTI, and Nippon. Changing the bank account was smooth for all of them on Groww... except UTI. When I called UTI customer care I got to know I have to visit a branch in person and fill some physical form and carry checks of both banks, and their branches are few and far between.

Problem is, I'm on WFH and UTI office working days are from Monday–Friday, 9:30 to 5:30, so finding time for a branch visit is tough on weekday.

I tried switching via MFCentral by merging into another fund with a different bank account, but UTI rejected that too(Lazy to Go to CAMS/KFin/Mutual Fund Office to Update Your Bank Account? Try This Hack! : r/personalfinanceindia).

So now I'm down to two options:

1. Physically go to the branch and fill out a form , apparently takes ~3 days to process
2. Just redeem the whole UTI investment and eat the ~3k STCG tax hit

Has anyone dealt with this before? Is there an easier way to update bank details with UTI, or am I stuck picking one of these two?

Thanks in advance!

Aggressive Risk Analyzer

My risk appetite is aggressive
Goal is to save money for my child education
Horizon I can hold for 5-7 years

And also I want to do SIP with 5k per month for now

Please help guys

Have used Arbitrage funds to park the FD money for better LTCG taxation for SPOUSE as she is pretty risk averse...

38 M and 37 F ....this is the SIP based portfolio we have gathered over the years....have surplus 4L available each month for additional SIPs too that we need to think through on where to invest.

My risk apetite is high, for my spouse it is moderate. i use kuvera for all my mutual funds for last 10+ years. The larger goal is retirement corpus cum wealth building...Overall net worth including real estate today will be close to 11 Cr . There is no immediate need of money anytime in next 20 years or so. Our monthly expense would be around 1L including Kids fee..We have enough emergency funds to sustain us even if both of us loose our primary jobs for extended period of 12M + . Health insurance is something we haven't taken yet except for the 50L super top up...

Would love to hear your views on the portfolio and changes to the SIPs that can best suit us.

Her Portfolio snapshot

Her Monthly SIP

His Portfolio snapshot Self

His SIP

Total Family Net worth Snapshot

Just started my first job and currently investing ₹20,000/month. Looking for feedback on whether my portfolio makes sense for long-term wealth creation.

Current SIP

• HDFC Flexi Cap — ₹7,000
• Motilal Oswal Nifty Midcap 150 Index — ₹7,000
• Invesco India Smallcap — ₹6,000

Total: ₹20,000/month
Platform: Groww

Risk appetite: Aggressive
Goal: Long-term wealth creation
Investment horizon: 15+ years

Why I chose these

I wanted exposure across flexi-cap, midcap and smallcap. I chose HDFC Flexi Cap for diversified active management, Motilal Oswal Nifty Midcap 150 for passive midcap exposure, and Invesco Smallcap for higher-growth potential over a long horizon.

I'm now considering adding Kotak Nifty Next 50.

I'm also confused about whether to keep HDFC Flexi Cap or replace it with a Nifty 50 index fund/another option. I initially considered Nifty 50, but I'm not convinced it adds enough value to my current portfolio.

I'm also getting some FOMO about WhiteOak Mid Cap because of its recent performance. Should I stick with the Midcap 150 index for the long term, or is taking the additional active-fund risk worth it?

Would you suggest:

• Adding Nifty Next 50?
• Keeping or replacing HDFC Flexi Cap?
• Sticking with Midcap 150 or switching to an active midcap?
• Keeping the portfolio simple instead of adding more funds?

Any criticism or suggestions are welcome, especially the reasoning behind them.

Risk Appetite - Aggressive
Goal - wealth creation
Horizon - 10-20 years
Allocation

Fund	Monthly SIP	%
HDFC Nifty 50 Index Direct Growth	₹20,000	30.3%
HDFC Nifty Next 50 Index Direct Growth	₹10,000	15.2%
Parag Parikh Flexi Cap Direct Growth	₹15,000	22.7%
Motilal Oswal Nifty Midcap 150 Index Direct Growth	₹5,000	7.6%
Edelweiss Mid Cap Direct Growth	₹5,000	7.6%
Canara Robeco Small Cap Direct Growth	₹9,000	13.6%
Franklin Asian Equity Direct Growth	₹2,000	3.0%
Total	₹66,000/month	100%

App used - Groww

How I ended up here

Earlier I invested in funds based on random ideas/recommendations without thinking enough about the portfolio as a whole. Eventually I ended up with around 20–30 funds, including some Regular plans, sectoral funds and a lot of overlap.

Today I stopped the SIPs in the Regular funds and most of the funds I don't want to keep adding money to.

For the new SIP allocation, I sat with an AI bot 😂 and went through different combinations. The objective was to get down to a relatively small portfolio covering large, mid and small caps, with a mix of active and passive investing.

Nifty 50 is intended to be the main core, with Next 50 providing exposure beyond the top 50.

Looking for criticism

What would you change here?

In particular:

1. Does the overall allocation make sense for an aggressive 10–20 year horizon?
2. Is ~15% midcap + ~14% small cap reasonable, or would you increase midcap?
3. Does splitting midcap 50:50 between Motilal Midcap 150 and Edelweiss Mid Cap make sense, or is one enough?
4. Is Nifty 50 + Next 50 + PPFC too much overlap?
5. What would you do with the ₹2k Franklin Asian Equity allocation?
6. With a home loan at 7.25%, would you keep investing ₹66k/month or divert some of it toward prepayment?

Please feel free to roast me

Reworded using AI

Hey everyone, jus I'm 23 yrs old working in tech industry earn around 100k per month and already investing 25k in MF since when I started earning after my graduation in May 2024 and also investing 10k in PPF and also I have 3 lacs sitting in FDs of 1.5 lacs each. I have 2 goals in coming 3-4 years, one is to buy a car in the range of 25 lacs and in coming 2 years and save for weeding which will happen eventually in 3-4 years. My budget to invest for these 2 things is around 20k combined.
Hoping someone can suggest a good liquid fund or any other form of investment to achieve these small term goals.

Risk appetite: Aggressive

I am willing to take high risk as even if my investments will be down for sometime I can postpone or delay my car purchase and for my weeding 3-4 years the market will become good.

I've been investing for a while but I've never redeemed any units before. I had LTCG approaching gains of nearly 1.25 lakh, so thought I'd redeem it and see. The issue is that my name is different on different documents. Once I placed the redemption order on Groww, I got an email which mentioned that transaction might fail if there is a name mismatch between the bank account holder name and name with AMC. I'll give an example of how my name appears in different documents:

Aadhar Card - Rohit P

Bank Account - Rohit P

PAN Card - Rohit Pai

Groww Account - Rohit Pai

My Aadhar and PAN are both linked. And both of those are linked to my bank account as well.

What are the chances the redemption will fail?

(Risk Profile - Aggressive)

Just got my first job and this is how I have allocated among these 5 -

HDFC Flexi Cap - ₹6,000

ICICI Prudential Nifty Next 50 Index- ₹4000

ICICI Prudential Nifty Midcap 150 Index ₹5000

Invesco India Smallcap ₹3,000

Axis Gold ₹2,000

Goal: Long-term wealth creation

Investment horizon: 15+ years

Risk appetite: Moderate

Any criticism/suggestions are welcome

I started investing in mutual funds in January 2026 and have been doing a total SIP of ₹10,000/month.

After around 8 months, my portfolio is currently:

• Invested: ₹70,496
• Current value: ₹72,654
• Total return: +₹2,158 (+3.06%)
• XIRR: 10.24%

My current monthly allocation is:

Fund	Monthly SIP	Allocation
UTI Nifty 50 Index Fund – Direct Growth	₹3,500	35%
UTI Nifty Next 50 Index Fund – Direct Growth	₹2,000	20%
Motilal Oswal Nifty Midcap 150 Index Fund – Direct Growth	₹2,000	20%
Parag Parikh Flexi Cap Fund – Direct Growth	₹1,500	15%
Gold ETF	₹1,000	10%
Total	₹10,000	100%

My profile

• Age: 28
• Risk appetite: Aggressive
• Goal: Long-term wealth creation
• Investment horizon: Long term (5 years)
• Platform: Groww
• Plan: Direct Growth
• Equity/Gold allocation: 90% equity / 10% gold

Why I selected these funds

• Nifty 50: Core large-cap/index exposure
• Nifty Next 50: Additional growth potential
• Nifty Midcap 150: Mid-cap exposure
• Parag Parikh Flexi Cap: Active/flexible allocation across market caps
• Gold ETF: Diversification outside equity

I know 8 months is too short to judge mutual funds based on returns, so I'm not trying to chase the highest-performing fund.

What I want to understand is whether the overall portfolio structure and allocation make sense for a 5 year horizon.

Questions

1. Is this portfolio reasonably diversified, or is there too much overlap between Nifty 50, Next 50, Midcap 150 and Parag Parikh Flexi Cap?
2. Are the 35% Nifty 50 / 20% Next 50 / 20% Midcap / 15% Flexi Cap / 10% Gold allocations reasonable?
3. Should I continue all four equity funds, or would you simplify it to 2–3 funds?
4. Is 20% allocation to Nifty Next 50 and 20% to Midcap 150 too aggressive?
5. Is keeping 10% in a Gold ETF reasonable for the long term?
6. If you were investing ₹10,000/month with a 10+ year horizon, would you keep this allocation or change it?

I'm mainly looking for constructive feedback on the portfolio structure, fund overlap and allocation, rather than advice based only on the last 8 months of returns.

Thanks!

https://preview.redd.it/uykxpz3sy5kh1.png?width=1030&format=png&auto=webp&s=02f7d57e1a2a337bf7a3165afa3af39ebd5bdada

I'm currently a 19 year old student and can invest about 1k a month and can occassionally invest a lump sum amount. I was leaning towards starting an sip in ppfas flexi cap fund and thinking about a mid cap fund asw. Please advise me as I'm really new to the world of investing.

Risk appetite: Aggressive

Goal: long term

Horizon: 15-20 years

I am 22 year old. Currently a student i can invest atleast 1000rs per month occasionally I can invest more if I have spare funds.

Goal: wealth creation

Horizon - 15years+

Risk appetite- aggressive

App - groww

I was thinking to invest in a nifty 50 index fund or flexi cap fund but since I am complete beginner I would like to know your suggestions

Portfolio Review – Age 22 | 25-Year Horizon | Aggressive Risk

Hi everyone, looking for feedback on my mutual fund portfolio.

Age: 22

Investment horizon: 25 years

Risk appetite: Aggressive

Platform: Groww

Investment: SIP

Current SIPs:

Parag Parikh Flexi Cap Fund – ₹2,000/month

Nippon India Multi Cap Fund – ₹1,000/month

Motilal Oswal Large & Midcap Fund – ₹1,500/month

Bandhan Small Cap Fund – ₹1,500/month

Total SIP: ₹6,000/month

I'm planning to stay invested for the long term and can tolerate significant volatility.

I'd like feedback on:

Is this portfolio diversified enough?

Is there too much overlap between these funds?

Should I replace any fund, particularly Nippon Multi Cap?

Any suggestions on improving the portfolio would be appreciated. Thanks!

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