ITI Mutual Funds 2025 - The complete guide
ITI Mutual Fund has become one of the promising companies of asset management in India. It was initiated by the Investment Trust of India (ITI) Group and has a variety of schemes that meet different investment objectives, investment risk levels, and financial strategies of both the retail and institutional investors. ITI Mutual funds are registered under SEBI and they have earned themselves a credible image through transparent operations and good management of funds.
ITI Mutual Fund has also kept increasing its portfolio in 2025 as more people are becoming increasingly digital and investors are waking up. Investors are currently demanding more than just growth and safety but also innovation and tax efficiency in their investments in the mutual funds.
Why Indian Investors should consider using ITI Mutual Funds in 2025?
ITI Mutual Fund schemes are best suited to investors seeking to generate wealth steadily, on a short term basis, or a combination of both risk and reward. ITI has established itself as a reputable company among young and experienced investors because of its:
- Varied selection of mutual fund plans in the equity, debt, hybrid, and solution based funds.
- Better online services to access easily, monitor investments and transact.
- Powerful investment strategy that is research-intensive and based on high potential sectors and sustainable assets.
- Open customer service and redressing of grievances.
These features render ITI Mutual Fund applicable to prospective investors who consider systematic investment plans, mutual funds that are tax saving as well as sector-based funds within the existing economic environment.
ITI Mutual Fund Investment Products.
- Broad selection of equity, debt, hybrid and solution scheme types.
- Low entry barriers and minimum investment requirements of new investors.
- Periodic SIP plans on systematic savings.
- Acting according to the market changes, dynamic fund management.
- Good compliance and disclosure.
Did you know? SEBI rated mutual funds have gained popularity with younger investors in 2025 as mutual fund SIP folios have passed 8 crore according to latest data.
Which Types of ITI Mutual Fund Schemes exist?
ITI mutual funds offer different funds based on the mind set of the investors. Their principal classes are as follows:
Equity Funds
- Invest primarily in equities and equity based instruments.
- Have greater returns at higher risk.
- Appropriate to those investors having an increased risk profile and longer investment horizon.
Debt Funds
- Invest in government securities, corporate bonds and money market securities to a very large extent.
- Stable income, reduced risk, best suited to conservative investors.
Hybrid Funds
- Attempt to strike a balance between risk and returns through investing in equities as well as the fixed income.
- An excellent option in the case of moderate risk and diversification of the investor.
Solution Oriented Funds
- Designed to achieve certain long term objectives like retirement or education of children.
Take lock-in so as to be disciplined investors.
Fund of Funds: Invest in other mutual funds schemes to achieve a higher degree of diversification.
People also ask:
What are the kind of SIP that ITI Mutual Fund provides?
In most of their schemes, ITI mutual fund provides monthly, quarterly, flexible, and top up SIPs whereby investors are free to design frequency and amount according to their comfort level.
What are the Best ITI Mutual Funds to invest in 2025?
The performance of some ITI Mutual Fund schemes has of late reported significant performance across the category. Investors usually choose funds according to their previous performance, risk, experience of the fund manager and regularity.
Leading ITI Mutual Funds in 2025
| Fund Name | 1 Yr Return | 3 Yr Return | Fund Category |
|---|---|---|---|
| ITI Flexi Cap Fund | 24.8% | 18.6% | Equity |
| ITI Value Fund | 21.3% | 17.1% | Equity - Value |
| ITI Medium term Debt fund | 7.2% | 6.1% | Debt. |
| TI Balanced Advantage Fund | 15.4% | 12.7% | Hybrid. |
| ITI Children Gift Fund | 16.8% | 13.4% | Solution Oriented. |
Do keep up with most recent NAV and returns since the performance of mutual funds might vary with time.
Smart Opinion: Financial analysts will be advising in 2025 that fund manager history, scheme objectives need to be reviewed, rather than relying solely on past returns when selecting a scheme.
The steps to investing in ITI mutual funds online in 2025?
It is easier than ever to invest in ITI Mutual Fund schemes with the help of user-friendly digital platforms. The simple steps include:
- Register through ITI Mutual fund official web or mobile application with your PAN and KYC information.
- Choose favorite fund and investment value (lump sum or SIP)
- Enter information and do auto debit (of SIP) e-mandate.
- Monitor performance and investments through dashboard or statement.
Did you know? According to AMFI, the majority of mutual funds investors in 2025 (more than 60 percent) made their initial MF purchase via online platforms.
People also ask:
Is NRI allowed to invest on ITI Mutual Funds?
Yes, Non Resident Indians (NRIs) may invest in a majority of the ITI Mutual Fund schemes under the provisions of FEMA and the RBI by producing the corresponding KYC documents.
How much money will I Need to invest in ITI mutual funds schemes?
Low entry point is one of the strengths of ITI Mutual Fund and it makes it accessible to all classes of investors.
- Most schemes have minimum SIP amount of Rs 500 in a month.
- One can start lump sum investments with as low as Rs 5000.
- Entry load of any scheme is zero, exit load only on redemption prior to the expiry period specified.
This ease will motivate first time investors and the students to start investing their funds without any hassle.
Professionals Opinion: Financial planners encourage one to make a start, however small, as early as possible to use the power of compounding with SIP.
What are Advantages and Disadvantages of investment in ITI Mutual Fund?
Evaluation of the strength and weaknesses of ITI Mutual Fund in 2025 would assist investors in making wise decisions.
Pros
- Extensive variety of plans to use over varied time horizons and risk tolerance.
- Clear and simple product documentation.
- Electronic services of smooth transactions and portfolio management.
- Education and support programs to regular investors.
- Unified work in terms of compliance and governance.
Cons
- Other schemes are comparatively recent; smaller AUM can affect the liquidity of very large transaction.
- Smaller numbers of branch offices than the older AMCs when they want to interact offline.
People also ask:
The beginners question is: is ITI Mutual Fund safe?
ITI mutual fund is registered by SEBI hence complies with all the necessary requirements and is therefore safe on regulatory front. Nevertheless, make sure that you always align the type of fund with your risk profile.
Are ITI mutal funds superior to other mutual funds?
Unlike other top performers in the same industry such as HDFC MF, SBI MF or Axis MF, ITI Mutual fund has some differences when compared to ITI Mutual fund:
There are criteria of ITI mutual fund and other leading MFs.
| Years in Business | Scheme Diversity | Digital Platform | Minimum SIP | AUM Size | Strength of research | |
|---|---|---|---|---|---|---|
| ITI mutual fund | 6 (since 2019) | Moderate | Powerful | Rs 500 | Mid Segment | Emerging |
| Other leading MFs | 15 to 30+ | High. | Sophisticated. | Rs 100 to 500 | Large | Established. |
Established investors can see ITI Mutual Fund as a newcomer with responsive operations and new technologies on its list. But bigger fund houses come with the benefit of bigger corpus and longer track record of fund performance.
Analysts View: Mixing plans of other AMCs, such as ITI MF, would lead to better diversification in the case of Indian investors in 2025.
What do they Cost and Bcharge?
One should be on alert to the various fees that relate to investing in mutual funds:
- Expense Ratio: It ranges between 0.3 percent and 2.25 percent depending on scheme, plan (direct or regular)
- Exit Load: Typically 1 percent in case redeemed in 12 months in case of equity funds.
- No starting fees or any additional fees.
- Capital gains and dividend tax liability according to the rules of income tax.
This results in the advantage of having a lower expense ratio of the direct plans compared to regular plans that are bought via agents or distributors.
People also ask:
What can I do to save mutual fund fees with ITI MF?
Invest online through official websites and select to invest in direct plans to avoid exit loads by waiting at least one year to the equity investments.
ITI Mutual Fund Investments Tracking and Redeeming?
ITI Mutual Fund provides various convenient ways of investors keeping up with their investment:
- Dashboard to view NAV, returns and last transactions online.
- Email and application notifications regarding the performance of the portfolio and the industry.
- Most schemes have easy online redemption at a 2 to 3 working day payment.
Investors need to review their portfolio of mutual funds on a regular basis and re-align them according to their varying financial objectives.
What are some of the things that beginners should remember when investing in the ITI mutual funds?
- Never avoid doing KYC formalities prior to making investments.
- Align your investment objectives and risk profile to the scheme objectives.
- Invest in SIPs to invest in a disciplined manner and also to smooth out market volatility.
- Track performance but not switch frequently using the short term returns.
Did you know? According to AMFI data on 2025, SIP investors on average have made more returns than lump sum investors in volatile markets over 7 year periods.
Swift Overview: ITI Mutual Funds Indian Investors 2025.
TLDR:
ITI mutual fund is one such company that is worthy of consideration by Indian investors in 2025 with its diversified schemes, online convenience and openness in investment processes. It has low entry, excellent digital support, and research-based funds management and is popular among beginners and experienced investors. Under all circumstances, Investments should be matched to your risk profile, long term goals should be done through SIPs and performance should be periodically reviewed.
ITI Mutual Funds are also questioned by people
What are the documents needed to begin to invest in ITI mutual fund?
In order to complete the KYC, you need your PAN, Aadhaar, address proof and a bank account.
What is the difference between ITI Mutual Fund and recurring deposit?
Mutual funds invest in securities in the market and may offer higher returns but there are more risky, whereas recurring deposits offer a set of returns without any market risk.
Are ITI Mutual Funds tax free?
They are not tax free entirely, returns are liable to capital gains tax depending on holding period and asset class. ELSS has tax benefits of section 80C.
Is it possible to change between various ITI funds?
Yes, in majority of schemes there will be a switch options in the fund house either through online or offline procedures. There might be tax implications and exit load.
Contact ITI Mutual fund customer care?
You may visit their official website of the ITI mutual fund or their helpline number may help you.
Sources
- ITI Mutual Fund Official Web Site.
- AMFI India Mutual Fund Data
- SEBI Guidelines
