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Sahara Mutual Fund was founded in accordance with the Indian Trust Act of 1982. It is a trust which came into existence by sponsorship from Sahara Indian Financial Corporation Ltd along with other investors. Sahara Mutual Fund is an investment firm with primary objectives of educating investors by offering professional expertise in self-management of mutual fund investments. Sahara Mutual Fund offers a number of portfolios with an aim to reduce the investment risk by focusing on higher risk-adjusted returns.
It offers a wide range of mutual fund options so as to meet the different requirements of individual investors. It has a range of customisable mutual funds to choose from. It is one of the best options to invest money in and grow the savings of investors. It is a one-stop shop for investors who are looking for tailor-made investment avenues especially in equity and debt plans.
Key Features of Sahara Mutual Fund
Sahara Mutual Fund offers multiple benefits and salient features via its mutual fund options. It is one of the most preferred mutual fund options because of its comprehensive features. Some of the features of Sahara Mutual Fund are as below –
- Excellent customer service facilities with best in class investment products
- Team of skilled professionals and expert investment advisors who carry vast experience in the investment field. It offers investment advice to all its investors
- Diversified investment portfolio with low risks
- Consistent performance in the long-run
- Array of schemes to choose from, depending on suitability, affordability, and investment requirement
- Immense flexibility to systematically invest and withdraw at any point. It offers regular withdrawal option as well as dividend reinvestment option
- Liquidity via open-ended schemes. Investors can receive their investment value at the prevailing NAV
- Tax-saving schemes which allow investors to plan income tax benefits and income tax exemptions
Types of Mutual Fund offered by Sahara Mutual Fund
Equity Funds
Popularly known as Growth schemes, equity schemes are largely preferred by investors who have a medium to high risk appetite. Majority of the funds in equity schemes are invested in equity and equity related securities, thereby allowing the scheme to earn higher returns in the long-run. These schemes are ideal for investors who are comfortable with an investment for long time horizon.
Sahara Tax Gain Fund – ELSS
| Description | This is an open-ended equity-ELSS Scheme. The Scheme is available under Dividend and Growth Option. The Scheme is equity-oriented scheme where the investments are predominantly in equity linked securities (more than 80%) and thus suitable for long term capital growth. |
| Objective | The basic objective of the Scheme is to provide immediate tax relief and long-term capital gains to investors. The Scheme is benchmarked against S&P BSE 200. |
| Date of Allotment | April 1, 1997 |
| Benchmark | S&P BSE 200 |
| Type of Scheme | Open ended equity scheme suitable for investors seeking: Long Term Capital Growth Moderately High Risk Investment in Equity & equity related securities including equity derivatives |
| Minimum Investment | Rs. 500 and in multiples of Rs. 500 thereafter |
| Entry Load | Nil |
| Exit Load | 1%- if redeemed on or before 36 months, Nil –If redeemed after 36 months. |
| SIP | Monthly - ECS / Auto Debit Facility of minimum Rs.500/- (and in multiples of Rs.500/- thereafter) or along with 6 post-dated cheques. Quarterly - ECS / Auto Debit Facility of minimum Rs.500/- (and in multiples of Rs.500/- thereafter) or along with 4 post-dated cheques. |
| Investment Option | Dividend option Growth option |
Sahara Growth Fund
| Description | This scheme is suitable for investors who are seeking * • Long Term Capital Growth; • Investment in Equity & equity related securities including equity derivatives. • Moderately High Risk |
| Objective | The investment objective of the Scheme is to achieve capital appreciation by investing in equity and equity-related instruments. |
| Date of Allotment | August 30, 2002 |
| Benchmark | Nifty 50 |
| Type of Scheme | Open ended equity scheme investing in equity and equity related securities |
| Minimum Investment | Rs. 3000 and in multiples of Re 1 thereafter |
| Entry Load | Nil |
| Exit Load | 1% -if redeemed on or before 12 months, NIL- if redeemed after 12 months from the date of allotment. ‘Direct Option’ – NIL |
| SIP | Monthly - ECS / Auto Debit Mandate of initial cheque of Rs.1000/- along with 5 post-dated cheques of minimum of Rs.1000/- each. Quarterly - ECS / Auto Debit Mandate of initial cheque of Rs.2000/- along with 3 post-dated cheques of minimum of Rs.2000/- each. |
Sahara Wealth Plus Fund
| Description | Open ended equity scheme with focus on: • Long Term Capital Growth; • Investment in Equity & equity related securities including equity derivatives. • Moderately High Risk |
| Objective | The primary objective of the scheme would be to invest in equity and equity related instruments of companies that would be wealth builders in the long term. |
| Date of Allotment | September 1, 2005 |
| Benchmark | Nifty 500 |
| Type of Scheme | Open ended equity scheme with focus on investments in equity and equity instruments. |
| Minimum Investment | Rs. 1000 and additional Rs. 500 and in multiples of Re 1 thereafter |
| Entry Load | Nil |
| Exit Load | 1% - if redeemed on or before 12 months, NIL- If redeemed after 12 months from the date of allotment ‘Direct Option’ – NIL |
| SIP | Monthly - ECS / Auto Debit Mandate of Initial cheque of Rs.1000/- along with 5 post-dated cheques of minimum of Rs.1000/- each. Quarterly - ECS / Auto Debit Mandate of initial cheque of Rs.2000/- along with 3 post-dated cheques of minimum of Rs.2000/- each. |
Sahara Infrastructure Fund
| Description | Open-ended equity scheme suitable for investors seeking: • Long Term Capital Growth; • Investment in Equity & equity related securities including equity derivatives, predominantly in the infrastructure sector. • High Risk |
| Objective | The investment objective is to provide income distribution and / or medium to long term capital gains by investing in equity / equity related instrument of companies mainly in the infrastructure sector. |
| Date of Allotment | April 3, 2006 |
| Benchmark | Nifty 50 |
| Type of Scheme | Open Ended equity scheme with focus on equity and equity instruments within the infrastructure sector. |
| Minimum Investment | Rs.1000/- under growth option and Rs.5000/- under Dividend option and additional amount in multiples of Re.1/-. |
| Entry Load | Nil |
| Exit Load | 1%- if redeemed on or before 12 months, Nil- If redeemed after 12 months from the date of allotment. ‘Direct Option’ – NIL |
| SIP | Monthly - ECS / Auto Debit Mandate of initial cheque of Rs.1000/- along with 5 post-dated cheques of minimum of Rs.1000/- each. Quarterly - ECS / Auto Debit Mandate of initial cheque of Rs.2000/- along with 3 post-dated cheques of minimum of Rs.2000/- each. |
| Investment Options | Variable Pricing Option-Dividend Option – Payout Variable Pricing Option-Dividend Option – Reinvestment option Variable Pricing Option – Growth Option |
Sahara Midcap Fund
| Description | Open-ended growth Fund with an objective to achieve long term capital growth at medium level of risks by investing primarily in mid–cap stocks. |
| Objective | The primary objective of this fund is to offer long-term capital growth to investors. To achieve this objective, the fund focuses on investment in equity and equity related securities. |
| Date of Allotment | December 31, 2004 |
| Benchmark | Nifty Midcap |
| Type of Scheme | Open-ended that is suitable for investors with medium to high risk appetite. |
| Minimum Investment | Rs.1000/- & additional amount of Rs.500/- and multiples of Re.1/- |
| Entry Load | Nil |
| Exit Load | 1% if redeemed on or before 12 months, NIL If redeemed after 12 months from the date of allotment. ‘Direct Option’ – NIL |
| SIP | Monthly - ECS / Auto Debit Mandate of initial cheque of Rs.1000/- along with 5 post-dated cheques for minimum Rs.1000/- each. Quarterly - ECS / Auto Debit Mandate of initial cheque of Rs.2000/- along with 3 post-dated cheques for minimum Rs.2000/- each. |
| Investment Options | Dividend option – payout Dividend option – Reinvestment option Growth option Dividend option – payout Dividend option – Reinvestment option |
Sahara Banking & Financial Services Fund
| Description | Open ended scheme which invests primarily in the banking sector and offers following to investors: • Long Term Capital Growth; • Investment in Equity & equity related securities including equity derivatives, in the Banking & Financial Services sector. • High Risk |
| Objective | The investment objective is to provide long term capital appreciation through investment in equities and equity related securities of companies whose business comprise of Banking / Financial services, either whole or in part. |
| Date of Allotment | September 16, 2008 |
| Benchmark | CNX Bank Index (Bank Nifty) |
| Type of Scheme | Open ended scheme with investment focus in banking sector related equity and equity instruments. |
| Minimum Investment | Rs. 5000 and in multiples of Re 1 thereafter |
| Entry Load | Nil |
| Exit Load | 1% if redeemed on or before 12 months from the date of allotment, beyond 12 months: Nil. ‘Direct Option’ – NIL |
| SIP | Monthly - ECS / Auto Debit Mandate of initial cheque of Rs.1000/- along with 5 post-dated cheques of minimum of Rs.1000/- each. Quarterly - ECS / Auto Debit Mandate of initial cheque of Rs.2000/- along with 3 post-dated cheques of minimum of Rs.2000/- each. |
| Investment Options | Dividend option – payout Dividend option – reinvestment option Growth option Dividend option – Direct – payout Dividend Option – Direct – reinvestment option Growth option – Direct |
Sahara Power & Natural Resources Fund
| Description | This fund primarily aims to generate long term capital appreciation through investment in equities and equity related securities of companies engaged in the business of generation, transmission, distribution of Power or in those companies that are engaged directly or indirectly in any activity associated with the power sector or principally engaged in discovery, development, production, processing or distribution of natural resources. |
| Objective | The objective of this fund is to offer the following benefits to investors: • Long Term Capital Growth; • Investment in Equity & equity related securities including equity derivatives in the power & natural resources sector. • High Risk |
| Date of Allotment | June 17, 2008 |
| Benchmark | Nifty 50 |
| Type of Scheme | Open ended scheme with investment focus in power and natural resources related equity and equity securities. |
| Minimum Investment | Rs. 5000 and in multiples of Re 1 thereafter |
| Entry Load | Nil |
| Exit Load | 1% if redeemed or switched out on or before completion of 1 year from the date of allotment of units. Nil, thereafter. |
| SIP | Monthly - ECS / Auto Debit Mandate of initial cheque Rs.1000/- along with 5 post-dated cheques of minimum of Rs.1000/- each. Quarterly - ECS / Auto Debit Mandate of initial cheque of Rs.2000/- along with 3 post-dated cheques of minimum of Rs.2000/- each. |
| Investment Option | Dividend option – payout Dividend option – reinvestment option Growth option Dividend option – Direct – payout Dividend Option – Direct – reinvestment option Growth option – Direct |
Sahara R.E.A.L Fund
| Description | Open-ended equity scheme which offers long term capital gains by investing predominantly in equity / equity related instrument of companies in the Retailing, Entertainment & Media, Auto & auto ancillaries and Logistics sector. |
| Objective | The main objective is to offer following to investors: • Long Term Capital Growth; • Investment in Equity & equity related securities including equity derivatives, in the Retailing, Entertainment & Media, Auto & auto ancillaries and Logistics sector. • High Risk |
| Date of Allotment | November 27, 2007 |
| Benchmark | Nifty 50 |
| Type of Scheme | Open-ended equity scheme with focus in retailing, entertainment, media, auto, and logistics sectors. |
| Minimum Investment | Rs. 5000 and in multiples of Re 1 thereafter |
| Entry Load | Nil |
| Exit Load | 1% if redeemed or switched out on or before completion of 1 year from the date of allotment of units. Nil, thereafter. |
| SIP | Monthly - ECS / Auto Debit Mandate of initial cheque of Rs.1000/- along with 5 post-dated cheques of minimum of Rs.1000/- each Quarterly - ECS / Auto Debit Mandate of initial cheque of Rs.2000/- along with 3 post-dated cheques of minimum of Rs.2000/- each |
| Investment Option | Dividend option – payout Dividend option – reinvestment option Growth option Dividend option – Direct – payout Dividend Option – Direct – reinvestment option Growth option – Direct |
Sahara Super 20 Fund
| Description | Open-ended equity scheme with an investment objective to provide long term capital appreciation by investing predominantly in equity / equity related instruments of select companies based on value parameters. |
| Objective | The main investment objective of this scheme is to offer following to investors: • Long Term Capital Growth; • Investment in Equity & equity related securities including equity derivatives. • Moderately High Risk |
| Date of Allotment | September 14, 2009 |
| Benchmark | S&P BSE 200 |
| Type of Scheme | Open ended equity scheme which has focus on investment in select companies that are selected basis value parameters. |
| Minimum Investment | Rs. 5000 and in multiples of Re 1 thereafter |
| Entry Load | Nil |
| Exit Load | 1% if redeemed or switched out on or before completion of 1 year from the date of allotment of units. Nil, thereafter. |
| SIP | Monthly - ECS / Auto Debit Mandate of initial cheque of Rs.1000/- along with 5 post-dated cheques of minimum of Rs.1000/- each. Quarterly - ECS / Auto Debit Mandate of initial cheque of Rs.2000/- along with 3 post-dated cheques of minimum of Rs.2000/- each. |
Debt Funds
Debt-oriented schemes are referred to as Income schemes. Since these schemes invest primarily in debt securities such as bonds, debentures, government securities, returns offered are more stable than those of equity-oriented schemes. It is for this very reason that debt-oriented schemes are preferred by low and medium-risk investors such as retired persons who are unwilling to invest in high-risk equity and such instruments.
While debt-oriented schemes are more stable than equities, they tend to fluctuate more than money market schemes and are subject to a higher credit risk than gilt funds, which mainly invest in government debt. Here are a few debt funds from Sahara Mutual Fund.
Sahara Income Fund
| Description | Open-ended dynamic debt scheme which invests primarily in dynamic corporate as well as government debt securities. |
| Objective | The primary objective of the scheme is to generate income by investing in a portfolio of corporate and sovereign debt instruments and at the same time provide continuous liquidity along with reasonable safety. |
| Date of Allotment | February 21, 2002 |
| Benchmark | CRISIL Composite Bond Index |
| Type of Scheme | Open-ended dynamic debt scheme meant for investors who are seeking: • regular income/capital appreciation in short, medium and long term • investment in Money Market Instruments, Corporate Debt & Govt. Securities. • Moderately Low Risk |
| Minimum Investment | Rs.3000/- and additional Rs.1000/- and in multiples of Re.1/- thereafter. |
| Entry Load | Nil |
| Exit Load | Nil |
| SIP | Monthly - ECS / Auto Debit Mandate of 6 post-dated cheques for minimum of Rs.500/- each. Quarterly - ECS / Auto Debit Mandate of 4 post-dated cheques for minimum of Rs.750/- each. |
| Investment Options | Dividend option – Payout Dividend option – Reinvestment option Growth option Dividend option direct – Payout Dividend option direct – Reinvestment option Growth option – direct |
Sahara Classic Fund
| Description | An open-ended medium-term debt scheme that invests primarily in debt and debt-related instruments including money market instruments. It also focuses a portion of the investment in equity and related instruments. |
| Objective | The investment objective of the scheme is to generate returns by investing mainly in debt and debt related instruments including money market instruments and also to invest a portion of the funds in equity and equity related instruments to seek capital appreciation. |
| Date of Allotment | February 1, 2008 |
| Benchmark | CRISIL MIP Blended Index |
| Type of Scheme | Open ended debt scheme investing in instruments for a 3-4 year time horizon, primarily in debt and money market instruments. |
| Minimum Investment | Growth Option: Rs.1000/- and additional investments in multiples of Rs. 1000/-. Dividend Option: Rs.5000/- and additional investments in multiples of Rs. 1000/- |
| Entry Load | Nil |
| Exit Load | Nil |
| SIP | Monthly - ECS / Auto Debit Mandate of 6 post-dated cheques of minimum of Rs.1000/- each. Quarterly - ECS / Auto Debit Mandate of 4 post-dated cheques of minimum of Rs.2000/- each. |
| Investment Options | Dividend option – Payout Dividend option – Reinvestment option Growth option Dividend option direct – Payout Dividend option direct – Reinvestment option Growth option – direct |
Sahara Liquid Fund
| Description | An open-ended debt scheme that primarily invests in good quality Debt instruments which offer high liquidity and better returns. |
| Objective | The investment objective is to create a highly liquid portfolio of good quality debt as well as money market instruments with a view to provide high liquidity and reasonable returns to the unit holders, while at all times emphasizing the importance of capital preservation. |
| Date of Allotment | February 19, 2012 |
| Benchmark | CRISIL Liquid Fund Index |
| Type of Scheme | Open-ended debt fund with portfolio duration of 2-3 years. It employs strategy to capture opportunity on quality debt instruments to offer better returns to investors. It is suitable for investors who are looking for: • regular income generation in short term to medium term • highly liquid portfolio of money market debt instruments • Low Risk |
| Minimum Investment | Rs. 1000 and in multiples of Re 1 thereafter |
| Entry Load | Nil |
| Exit Load | Nil |
| SIP | Monthly - ECS / Auto Debit Mandate of 5 post-dated cheques for a minimum of Rs.1000/- each Quarterly - ECS / Auto Debit Mandate of 4 post-dated cheques for a minimum of Rs.2500/- each |
| Investment Option | Variable Pricing Option - Daily Dividend Option (RI) Variable Pricing Option - Weekly Dividend Option (RI) Variable Pricing Option - Monthly Dividend Option (RI) Variable Pricing Option – Growth Option Variable Pricing Option-Direct - Daily Dividend Option Variable Pricing Option-Direct - Weekly Dividend Option Variable Pricing Option-Direct - Monthly Dividend Option Variable Pricing Option - Growth Option – Direct Fixed Pricing Option - Daily Dividend Option Fixed Pricing Option - Weekly Dividend Option Fixed Pricing Option - Monthly Dividend Option Fixed Pricing Option - Growth Option Fixed Pricing Option-Direct - Daily Dividend Option Fixed Pricing Option-Direct - Weekly Dividend Option Fixed Pricing Option-Direct - Monthly Dividend Option Fixed Pricing Option - Growth Option – Direct |
Sahara Interval Fund (Quarterly Plan-Series 1)
| Description | Open-ended debt scheme which primarily invests in debt and money market instruments. It offers liquidity at periodic intervals. |
| Objective | The investment objective is to generate returns with low volatility through a portfolio of debt and money market instruments with a provision to offer liquidity at periodic intervals. |
| Date of Allotment | October 3, 2008 |
| Benchmark | CRISIL Liquid Fund Index |
| Type of Scheme | Open-ended debt scheme that offers following to investors: • to generate reasonable return at periodic intervals in short, medium term • investment in Debt/Money Market Instruments/Govt. Securities. • Low Risk |
| Minimum Investment | Rs. 5000 and in multiples of Re 1 thereafter |
| Entry Load | Nil |
| Exit Load | NIL: if redeemed during the “Specified Transaction Period”. 1% if redeemed other than during the “Specified Transaction Period”. |
| Special Transaction Period | The “Specified Transaction Period” is the interval offer period that is for a minimum of one (1) business day and a maximum of five (5) business days. The “Specified Transaction Period” is in the months of March, June, September and December each year. The “Specified Transaction Period” is generally in between 12th and 16th days of the above stated months. |
| Investment Options | Dividend option Growth option |
Sahara Gilt Fund
| Description | Open ended dedicated gilt scheme investing in government securities, signifying almost no risk of default in principal or interest amounts on the investments made by the scheme. |
| Objective | Main objective is to offer following to investors: • regular income generation/capital appreciation for short, medium and long term • investment in Government Securities and government guaranteed debt securities / T - bills / Overnight money market instruments • Moderately Low Risk |
| Date of Allotment | February 21, 2002 |
| Benchmark | I-Sec Composite Gilt Index |
| Type of Scheme | Open-ended scheme with primary focus on government securities with very low risk of investment. |
| Minimum Investment | Rs.5000/- and additional amount of Rs.1000/- and in multiples of Re.1/- thereafter |
| Entry Load | Nil |
| Exit Load | Nil |
| SIP | Monthly - 5 post-dated cheques for minimum of Rs.1000/- each Quarterly - 4 post-dated cheques for a minimum of Rs.1250/- each |
| Investment Option | Dividend Option - Payout Dividend Option – Reinvestment option Growth Option Dividend Option – Direct – Payout Dividend Option – Direct – Reinvestment option Growth Option - Direct |
Sahara Short Term Bond Fund
| Description | Open ended scheme with major investment focus in debt securities and money market instruments. |
| Objective | The investment objective of this scheme is to generate optimal returns consistent with moderate levels of risk and liquidity by investing in debt securities and money market securities. |
| Date of Allotment | April 13, 2009 |
| Benchmark | CRISIL LIQUIFEX |
| Type of Scheme | Open-ended scheme which offers following to investors • regular fixed income for short term to medium term • investment in Debt/Money Market Instruments. • Moderately Low Risk |
| Minimum Investment | Rs.5000/- and in multiples of Re.1/- thereafter |
| Entry Load | Nil |
| Exit Load | Nil |
| SIP | Monthly - 5 post-dated cheques for minimum of Rs.2000/- each Quarterly - 4 post-dated cheques for a minimum of Rs.2500/- each |
| Investment Option | Dividend Option – Reinvestment option Growth Option Dividend Option – Direct – Reinvestment option Growth Option - Direct |
Reasons to Invest in Sahara Mutual Fund
Sahara Mutual Fund offers numerous features and multiple benefits via its different scheme options. Because of its comprehensive features, it is a preferred choice among many investors. Here are some of the key reasons of investing in Sahara Mutual Fund:
- It offers exceptional customer service facility and unique investment products. It has a team of skilled professionals and expert investment advisors who carry a rich experience in the field of investment. They offer constant guidance to investors to empower them in making the right investment decisions.
- It has a diversified investment portfolio and thereby offer low-risk investment avenues to investors.
- Investors can experience consistent performance over a long period.
- Investors have the option of selecting from multiple scheme options depending on their requirements, suitability, and affordability.
- Investors have the flexibility to systematically invest in funds and withdraw at any point of time. It offers regular withdrawal option and also dividend reinvestment option.
- Open-ended plans offer liquidity and investors can receive their money back at the prevailing NAV.
Documents required for investing in Sahara Mutual Fund
- Application form
- PAN Card
- KYC Individual form
- Proof of Identity – Aadhaar, Voter’s ID, Passport, Driving License
- Address Proof – Driving Licence, Passport, Voters ID, Ration Card, Registered Leave/Sale of Agreement Residence, Latest Bank Account Statement/passbook, Latest Electricity/Gas Bill
- Cheque for SIP
How to invest in Sahara Mutual Fund?
Sahara Mutual Fund offers a very hassle-free mode of investment in mutual fund schemes. The schemes are designed to meet specific requirements of investors and also keeping in mind their financial goals. Here is how one can invest in any of the Sahara Mutual Fund Schemes:
- Go to the official website of Sahara Mutual Fund
- Select the fund that best suits your requirement
- Fill in the information required, including some personal details
- You then need to make a payment towards the scheme as per the guidelines
- The payment process is absolutely safe and user-friendly. Once payment is made, the portfolio is available for review and monitoring
Here are some of the other alternatives of investment:
- Stock Exchange platform
- Customer care number
- Certified Agent
Top Advantages of Investing in Mutual Funds
Ease of Investment: One of the primary reasons why more people choose to invest in mutual funds is the ease of investment that it offers. The funds invest in various avenues or financial tools which can generate attractive returns. The investor does not have to worry about his money because it is safeguarded against any volatility by the fund administration.
Management: Professional fund managers look after the investment of the fund’s money into various instruments. This means, the investor can invest without worrying about all the analysis and research required before allocating money in a specific instrument. Investors thereby get access to professionally managed portfolios at much cheaper costs as compared to what they would have to pay to do so individually. The investments are across multiple segments thereby giving investors a balanced and diversified portfolio to invest in.
Diversification: A fund manager evaluates a series of investment instruments available in the market before choosing a few of them. An individual portfolio can comprise of a combination of different instruments, thus allowing investors to have a diversified portfolio. A diversified portfolio ensures that investors money is not over-exposed to any specific sector.
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