PPFA mutual funds - A complete guide 2025
Parag Parikh Financial Advisory Services (PPFAS) Mutual Fund has grown steadily to become an investment choice of choice among Indian mutual fund customers, combining sound fund management with accountability. With the advent of the 2025, value based portfolios and stable underpinnings are attracting more retail and experienced investors to PPFAS mutual funds to grow their wealth in the long term by creating wealth through value based portfolios and reliable performance. When you are considering mutual fund schemes that would support your objectives, comprehending the approach, features and appropriateness of PPFAS Mutual Fund could help you make informed investment choices.
What Are PPFAS Mutual Funds?
PFAS Mutual Fund was started in 2012 and is managed by Parag Parikh Financial Advisory Services Ltd, which is a SEBI-registered asset management company. Known as a value-investing firm, PPFAS does not provide a range of schemes, but offers a small number of specialised equity and hybrid funds. The core philosophy of the AMC consists of investing in quality business at fair prices, a concentrated long-term portfolio and keeping the costs of the investor low.
The flagship scheme of PPFAS is the Parag Parikh Flexi Cap Fund, which has always featured in the list of top performing funds in India. PFAS only has limited focused funds in 2025 hence, quality rather than quantity in the construction of a portfolio.
How to explain why PPFAS mutual fund will be the favorite fund of investors in 2025?
PFAS Mutual Fund is popular due to a number of factors:
- Regular performance particularly within volatile markets.
- Open and shareholder-friendly disclosures.
- This is done by focusing on long term value creation instead of short term returns.
- Reduced cost as a proportion of the industry.
- Investment process AMC has a comprehensive research base with a margin of safety and this makes it attractive to investors who can gain sustainable wealth growth.
What Are the Major Characteristics or highlights of PPFAS mutual funds?
In 2025, the major highlights that you need to know are:
- Limited Schemes: Provides mostly Flexi Cap, Tax Saver (ELSS) and Balanced Advantage Fund.
- International Exposure: There are some funds that allocating as much as 35 percent to international stocks provide international diversification.
- Value Style: Target underestimated Indian and global businesses that have good fundamentals.
- Seasoned Fund Managers: The funds are headed by seasoned managers such as Raunak Onkar and Rajeev Thakkar.
- Low Portfolio Turnover: Holdings are churned less in order to focus on the long-term.
- No Distributor Incentives: AMC of direct type, PPFAS discourages mis-selling.
Did You Know?
In 2024, the PPFAS Mutual Fund was listed as one of the fastest Indian AUM growing AMCs with more than 60,000 crore in AUM due to its discretionary style that investors preferred.
What Has the Performance of PPFAS Flexi Cap Fund been?
The AMC has a premier scheme known as Parag Parikh Flexi Cap Fund and it is generally regarded as a model of disciplined investment.
Performance Table (2021-2025)
| Average FY | Fund Return (p.a.) | Benchmark (Nifty 500 TRI) | Category Average |
|---|---|---|---|
| 2021 | 35 percent | 28 percent | 23 percent |
| 2022 | 19.5 percent | 14.7 percent | 12.4 percent |
| 2023 | 24.2 percent | 20.1 percent | 17 percent |
| 2024 | 16.8 percent | 14.1 percent | 12.7 percent |
| 2025 (until Q2) | 13.2 percent | 11.6 percent | 10.3 percent |
Provisional data till June 2025
The history of the fund is impressive because it has been resilient during market down turns, mostly because of its global allocation and selective India equities.
People also ask:
Q: Does this mean that PPFAS Flexi Cap Fund is risky due to the fact that it is a global investor?
A: International portfolio provides diversification, which tends to reduce risk in the long term. International allocation is limited to 35 percent and shares are invested in blue-chip foreign stocks, reducing volatility by the fund.
What are the Kinds of Funds that PPFAS has?
By 2025, PPFAS Mutual Fund will have three broad categories:
- Flexi Cap Fund: It invests in large, mid, small caps and up to 35 percent abroad.
- Tax Saver Fund (ELSS): To gain tax (80C) and long-term returns.
- Balanced Advantage Fund: This is a fund that tries to have a balance of equity and debt which is dynamic according to the market values.
Both funds are managed in the AMC disciplined and research-oriented method, and do not have any bias towards sector or market cap.
Did You Know?
Clearly communicated taxation and true long-term equity focus have won the affection of millennials in the ELSS Fund by PPFAS in 2025.
What is the Advantage or Disadvantage of Investing in PPFAS Mutual Funds?
Pros
- Rational value-investing policy - eschews risks of momentum.
- Stable performance relative to the performance of peers.
- Open dialogue and annual thorough letters and reports to the stakeholders.
- High minimum cost (Flexi Cap: about 0.75 percent on direct plan)
- Single fund international diversification.
Cons
- Limited - only three schemes.
- Inappropriate as a sectoral or thematic play or as a fund that is aggressive to its investors.
- Tracking error can be enhanced in the short run by international exposure.
- Requires long holding period to get best rewards.
People also ask:
Q: Does PPFAS Mutual Funds work with SIPs?
A: Yes, PPFAS plans, notably the Flexi Cap Fund are the best plans to invest in under SIP because it has a long-term approach of wealth building.
What is the Comparative Performance of PPFAS Mutual Fund with other popular AMCs?
| AMC | Count of Schemes | Global Equity Option | Key Fund Manager | Expense Ratio ( Flagship ) | Direct-Only? |
|---|---|---|---|---|---|
| PPFAS | 3 | Yes (to 35 percent) | Rajeev Thakkar | 0.75 percent | Yes. |
| HDFC Mutual Fund | 30+ | Yes (Limited) | Prashant Jain | 1.05 percent | No. |
| SBI Mutual Fund | 50+ | No | Navneet Munot | 1.10 percent | No. |
| Mirae Asset | 20+ | No | Neelesh Surana 0.90 percent No. |
The product selections and unique investment approach make PPFAS exceptional; the company has a targeted product range and focuses on the direct-investor model, which prioritises transparency and reduces the use of mis-selling distribution channels.
Did You Know?
PFAS recorded more than 90 percent of its assets under management (AUM) as direct investors in 2025, and this testifies to the trust that the company has gained with its no-intermediary model.
Who is the kind of investor that should be thinking about PPFAS mutual funds?
PPFAS Mutual Funds are suitable to:
- Benchmark simple and transparent First-time investors of a mutual fund.
- Experienced investors who want to invest longer than short-term sprouts.
- Individuals who have a time horizon of greater than 5 years.
- Those investors who wish to have exposure to the Indian and selected international equities.
- ELSS attracts a lot of interest among taxpayers who have a true interest in equity.
People also ask:
Q: What is the minimum investment in PPFAS Mutual Funds?
A: All schemes have typically a minimum of lump sum investment of 1,000. In the case of SIP the lower limit would be at Rs 1,000/month thus affordable to retail investors.
What Are Tax Implications in PPFAS mutual funds?
- Equity Funds: LTCG: 10 per cent. on holding amount exceeding 1 lakh and a holding period exceeding one year; STCG: 15 per cent. in the event of redemption of less than one year.
- ELSS: Income tax deduction of up to 1.5 lakh in Section 80C; 3 years lock-in.
- Balanced Advantage Fund: It is treated like an equity fund with 65 percent equity holdings.
People also ask:
Q: What is the way to verify the tax statement of PPFAS Mutual Funds?
A: The capital gains and account statement can be downloaded at the PPFAS AMC site itself through your PAN.
How to begin to invest in PPFAS Mutual Funds in 2025?
It only takes a few steps to invest in PPFAS Mutual funds:
- Go to the PPFAS Funds mutual fund site.
- KYC Register and complete online KYC (not done)
- Choose the scheme (Flexi Cap, ELSS or Balanced Advantage), and mode of investing (lump sum or SIP).
- Full online payment using enabled systems, such as UPI.
You are also able to invest through prominent mutual fund platforms or through registered financial advisors.
Did You Know?
By 2025, investors will find it easy to track their portfolios and redeem their investments through the PPFAS app and website, which offers a more in-depth transaction-tracking system.
What is the Transparency and Disclosure of PPFAS?
PPFAS has a good reputation in the field of investor education and open disclosure policy:
- Quarterly and annual reports on investment.
- Monthly published portfolio holdings.
- Frequent investor webinars and fund manager AMA.
- Open communication on risks and portfolio strategy.
This is regarded as the gold standard of transparency in the Indian mutual fund industry.
People also ask:
Q: How can I get the annual letter or fund manager commentary on PPFAS Schemes?
A: These are posted on the official PPFAS AMC Resources page, and made free to all investors.
Quick Recap (TL;DR)
- PPFAS mutual funds focus on long term, value investing with a specific range of equity and hybrid funds.
- The Flexi Cap Fund provides both Indian and global exposure to equity and hence it is a one stop solution.
- The AMC is characterized by transparency, low price and strong risk management.
- Properly adjusted to disciplined investors in search of long-term wealth creation.
People Also Ask
Q: PPFAS Mutual Fund is adviceable to beginners?
A: Yes, it is appropriate with new mutual fund investors looking at simple solutions, due to its transparent style and long term orientation.
Q: What is the frequency at which PPFAS revise their NAV and portfolio data?
A: NAV and portfolio holdings are updated and are made available on a daily basis on the AMC website.
Q: Is there a redemption period of PPFAS funds?
A: Yes, but except the ELSS scheme (3 year lock-in) other schemes are redeemable at any time without exit loads after one year.
Q: Are there PPFAS funds that only deal with debt?
A: PPFAS only has equity, hybrid, and tax saving funds in 2025. No open-ended schemes are exclusive to debt.
Q: What is the methodology of PPFAS of dealing with international regulatory changes of overseas stocks?
A: AMC pays close attention to the global compliance and changes the overseas allocation, as needed, to meet the rules of SEBI and RBI.
Sources
- PPFAS Mutual Fund Web Site.
- List of AMCs of SEBI Mutual Funds.
- Mutual Fund Industry Data AMFI.
