FAQs

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  • How to invest through Online Mode?
    To know more about investing online in India’s 1st and only Direct to Investor Mutual fund, Please Click here. Please note that you need to be KYC compliant to invest with us. Click here to know more about KYC.
    or
    You can invest with your Aadhaar Card. To know more about the Aadhaar based investment, Please Click here. > Select Know Your Customer (KYC) as the type of the FAQ > Click on Aadhaar Based KYC.
  • Are there any additional charges to avail SIP facility?
    No, there are no additional charges to avail SIP facility.
  • How do I register for investments through SIP?

    You can make a purchase through SIP for all our schemes (except for Index Fund and Gold ETF Fund) through the Online mode or the Offline mode.

    In both the cases kindly note that instructions will take a minimum of 30 business days for registration with the bank and hence the first auto debit will be carried out only after one month, on the SIP date mentioned on the form.

    Please note that currently only an existing investor with Quantum Mutual Fund who has a username and password for the Invest Online section can invest in SIP through our online SIP option.

    Choose your preferred mode and click on the below links to read more and invest with us.

  • Who can and cannot invest in the scheme?
  • What are the minimum Application Amount, minimum no. of installments required and frequency of dates available under each scheme?
    Please find below the details on minimum amount requirement, no. of installments requirement and frequency of dates available.

    Note:Quantum Liquid Fund has only Monthly and Quarterly Frequency.

    Scheme NameFrequencies Available Under SIPDailyWeeklyFortnightlyMonthlyQuarterly
    Quantum Long Term Equity Fund, Quantum Equity Fund of Funds, Quantum Gold Savings Fund, Quantum Multi Asset Fund and Quantum Dynamic Bond Fund
    Minimum SIP AmountRs. 100/- and in multiples of Re. 1/- thereafterRs. 500/- and in multiples of Re. 1/- thereafterRs. 500/- and in multiples of Re. 1/- thereafterRs. 500/- and in multiples of Re. 1/- thereafterRs. 500/- and in multiples of Re. 1/- thereafter
    Minimum No. of Installments / Instructions132251364
    Frequency of DatesAll Business days7,15,21 & 28 of the month5 & 21 OR 7 & 25 of the month5,7,15,21,25 & 28 of the month5,7,15,21,25 & 28 of the month
    Quantum Tax Saving Fund
    Minimum SIP AmountRs. 500/- and in multiples of Rs. 500/- thereafterRs. 500/- and in multiples of Rs. 500/- thereafterRs. 500/- and in multiples of Rs. 500/- thereafterRs. 500/- and in multiples of Rs. 500/- thereafterRs. 500/- and in multiples of Rs. 500/- thereafter
    Minimum No. of Installments / Instructions132251364
    Frequency of DatesAll Business days7,15,21 & 28 of the month5 & 21 OR 7 & 25 of the month5,7,15,21,25 & 28 of the month5,7,15,21,25 & 28 of the month
    Quantum Liquid Fund
    Minimum SIP AmountNARs. 500/- and in multiples of Re. 1/- thereafterRs. 500/- and in multiples of Re. 1/- thereafter
    Minimum No. of Installments / InstructionsNA64
    Frequency of DatesNA5,7,15,21,25 & 28 of the month5,7,15,21,25 & 28 of the month
  • How will the exit load be charged in case of SIP purchase?

    The applicable exit load will be charged at the time of redemption/switch out/STP irrespective of the amount invested. In case of SIP, we follow FIFO (First In First Out) method to calculate the exit load. If you start 1 year SIP on 5th July 2011 in Quantum Long Term Equity Fund then the exit load for that month’s investment will be applicable up to 5th July 2013. The exit load for your last installment on 5th June 2012 will be NIL after 5th June 2014.

    Please find below the exit load structure of each scheme;

    Quantum Long Term Equity Fund: Please click here to view the load structure of the scheme
    Quantum Liquid Fund: Please click here to view the load structure of the scheme
    Quantum Tax Saving Fund: Please click here to view the load structure of the scheme
    Quantum Equity Fund of Funds: Please click here to view the load structure of the scheme
    Quantum Gold Savings Fund: Please click here to view the load structure of the scheme
    Quantum Multi Asset Fund: Please click here to view the load structure of the scheme
    Quantum Dynamic Bond Fund: Please click here to view the load structure of the scheme
  • Which schemes of Quantum Mutual Fund offer the SIP facility?
    You can start SIP for the following schemes:

    Quantum Long Term Equity Fund
    Quantum Liquid Fund
    Quantum Tax Saving Fund
    Quantum Equity Fund of Funds
    Quantum Gold Savings Fund
    Quantum Multi Asset Fund
    Quantum Dynamic Bond Fund
  • Why should I invest through SIP?
    The benefits of investing through SIP are several, some of which are:
    It helps you start small, with as low as Rs. 100 per month (depending on scheme and frequency).
    It helps you reduce the risk of mis-timing the market. So whether the markets move up or down, you stay invested and reap the benefits of both worlds as it helps you buy more units when the market is down and fewer units when the market is up. Thus reducing the cost of entry.

    7 Good Reasons to invest in SIPs
    1. Reduces the average cost
    In SIP we are investing a fixed amount regularly. Therefore, we end up buying more number of units when the markets are down and NAV is low and less number of units when the markets are up and the NAV is high. This is called rupee-cost averaging. Generally, we would stay away from buying when the markets are down. We generally tend to invest when the markets are rising. SIP works as a good discipline as it forces us to buy even when the markets are low, which actually is the best time to buy.
    2. Putting your eggs in different baskets!
    Another advantage of investing through equity mutual funds is that even with small amounts we are able to enjoy the benefits of diversification. Huge amounts would be required for an individual to achieve the desired portfolio in terms of stocks, which would not be possible for many of us. Diversification reduces the overall impact on the returns from a portfolio, on account of a loss in a particular company/sector.
    3. Market timing becomes irrelevant
    One of the biggest difficulties in equity investing is WHEN to invest? Apart from the other big question, WHERE to invest? While, investing in a mutual fund solves the issue of where to invest, SIP helps us to overcome the problem of when to invest. SIP is a disciplined investing irrespective of the state of the market. It thus makes the market timing less relevant. Today when the markets are high, it may not be prudent to commit large sums at one go.
    4. Does not strain our day-to-day finances
    Mutual Funds allow us to invest very small amounts (like Rs 500, Rs 1,000 etc) in SIP, as against larger one-time investment required, if we were to buy directly from the market. This makes investing easier as it does not strain our monthly finances. It, therefore, becomes an ideal investment option for a small-time investor, who would otherwise not be able to enjoy the benefits of investing in the equity market. Large investors who wish to accumulate their savings prudently might opt for a larger SIP amount.
    5. Mutual Funds - Transparent & well regulated
    The Mutual Fund industry is well regulated by both SEBI and AMFI. They have, over the years, introduced regulations, which ensure smooth and transparent functioning of the mutual fund industry. This makes it safer and convenient for investors to invest through the mutual funds.
    6. It’s an expert’s field. Let’s leave it to them
    Management of the fund by the professionals or experts is one of the key advantages of investing through a mutual fund. They regularly carry out extensive research on companies, the industry and the economy thus ensuring informed investment. Secondly, they regularly track the market. Thus, for many of us who do not have the desired expertise and are too busy with our vocation to devote sufficient time and effort to investing in equity, mutual funds offer an attractive alternative.
    7. Helps to fulfill our dreams
    The investments we make are ultimately for some objectives such as to buy a house, children education, marriage etc. One thing common in all these objectives is that it requires a huge one-time investment. As it would usually not be possible raise such large amounts at short notice, we need to build the corpus over a longer period of time, through small but regular investments. This is what SIP is all about. Small investments, over a period of time, result in wealth creation and help fulfill our dreams and aspirations.

    Here is an example to help you understand the working of SIP.

    THE POWER OF RUPEE COST AVERAGING
    Lump-Sum Investor Regular SIP Investor
    Month Unit Price Amount Invested in Rs. Units Bought Amount Invested in Rs. Units Bought
    1 20 60,000 3000 10,000 500
    2 18 -- -- 10,000 556
    3 13 -- -- 10,000 769
    4 22 -- -- 10,000 455
    5 21 -- -- 10,000 476
    6 20 -- -- 10,000 500
    Total Amount Invested Rs. 60,000 Rs. 60,000
    Average price paid Rs. 20 Rs. 19
    Current NAV Rs. 20 Rs. 20
    Total units bought 3000 3256
    Value of investment after six months Rs. 60,000 Rs. 65,120

    Thus this table shows that even though the amount invested is the same in both cases, the returns from the SIP mode of investment are relatively higher.
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