Understanding Mutual Funds
The right fund for your risk profile
Since the universe of mutual funds is vast — with hundreds of funds available — investors can use the SEBI riskometer to choose schemes that match their risk appetite. This is especially useful for new investors. Note that the riskometer provides a general idea of risk; many other factors should be considered before selecting a fund.
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SEBI Riskometer
Choose the right fund for your risk profile
Use this table to understand which type of investor each riskometer label is suited for.
The riskometer gives an overall view of a fund's risk level. It is a useful starting point — but always consider your investment horizon, goals, and other scheme-specific factors before making a decision.
| Riskometer Label | Investor Type | Investor Persona |
| Low | Conservative | Safety of capital is the top priority. Willing to accept relatively low returns in exchange for minimal risk to principal. |
| Moderately Low | Moderately Conservative | Willing to accept a small level of risk in exchange for some potential returns over a medium to long-term horizon. |
| Moderate | Moderate | Can tolerate a moderate level of risk in exchange for relatively higher potential returns over the medium to long-term. |
| Moderately High | Moderately Aggressive | Keen to accept relatively higher risk to maximize potential returns over the medium to long-term. |
| High Risk | Aggressive | Willing to accept significant risk to maximize returns over the long term, understanding that a significant part of capital may be lost. |
| Very High Risk | Very Aggressive | Accepts significantly high risk to maximize returns over the long term, fully aware that a large portion of capital could be lost. |
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