MUTUAL FUNDS
Your trusted bank. Your trusted place to invest.
At Unity Small Finance Bank, we believe that long-term wealth creation should be accessible, transparent, and effortless. That’s why we now offer a convenient way to invest in mutual funds directly through your existing banking relationship—via both the Unity Mobile App and Unity Net Banking.
Whether you are starting out with a small SIP or diversifying a portfolio, Unity gives you a reliable platform to begin or grow your mutual fund journey.
Why invest in Mutual Funds
through Unity?
When you invest through Unity, you get access to a carefully curated range of SEBI-regulated mutual funds from India’s leading AMCs. These are not Unity’s own funds—we act purely as a platform, helping you access, evaluate, and manage your investments securely from the same ecosystem where you already bank. What sets our platform apart:
Access to Multiple funds
Explore equity, hybrid, and other fund categories—tailored to your financial goals.
Bank-Integrated Investing
Invest easily through your existing mobile or net banking—no new apps or accounts needed.
Zero Extra Charges
No platform, processing fees or any hidden cost.
Real-Time Control
Track, manage, and monitor your investments instantly from the Unity dashboard.
Paperless & Transparent
Enjoy a smooth, paperless journey - completely digital.
Curated Recommendations
Get mutual fund picks by professionals to match your investment style / goals.
What are Mutual Funds?
Mutual funds pool money from many investors and invest in a mix of equity (stocks), debt (bonds), or both. These investments are professionally managed and designed to match various risk profiles and financial goals.
Unlike a fixed deposit, where returns are guaranteed but limited, mutual funds are market-linked. They have the potential to deliver better returns over time, especially when you stay invested for longer periods.
How are Mutual Funds Different
from FDs?
Fixed deposits are excellent for safety, but inflation tends to outpace the returns they offer. Mutual funds offer an opportunity to outgrow inflation and build wealth steadily, especially if you plan to stay invested for the long term.
Types of Mutual Funds You Can
Access Through Unity
Unity offers access to mutual funds across different asset classes. These broad categories help you choose investments based on your risk tolerance, investment horizon, and financial goals:
Equity Funds
These funds invest primarily in stocks and are ideal for long-term wealth creation. They tend to offer higher returns but come with high volatility.
Debt Mutual Funds
These funds invest in fixed-income instruments like bonds and treasury bills. They are suitable for conservative investors seeking capital preservation and steady returns.
Hybrid Mutual Funds
These offer a mix of equity and debt investments, aiming to balance risk and reward. They are well-suited for investors seeking moderate growth with reduced volatility.
Gold and Other Commodity Funds
These funds invest in gold or other commodities, either directly or through related instruments. They are typically used for portfolio diversification or as a hedge against inflation.
SIPs: Investing
with Discipline
A Systematic Investment Plan (SIP) allows you to invest a fixed amount in a mutual fund at regular intervals. SIPs help you average out your purchase cost and build long-term wealth steadily, without the need to time the market.
With Unity, you can start SIPs from as little as ₹500 per month. You can create a STEP up or modify your SIP anytime through the platform.
How to Invest
Through Net Banking
1. Log into the Unity Mobile Banking App
2. Tap on "Grow" > "Investments"
3. Select "Mutual Funds"
4. Choose your fund and set your investment preferences
Education Corner
How long should you invest?
Equity funds typically work best when you stay invested for at least 5 years. Hybrid funds may suit 3–5 year goals. The longer you stay invested, the more opportunity your money has to compound.
What if the market falls after I invest?
It’s normal for markets to fluctuate. In fact, SIPs work best during market dips—you accumulate more units when prices fall. Over time, rupee cost averaging works.
Can I lose money?
Yes, mutual funds are market-linked and carry risk. However, the risk is managed through diversification and long-term holding. Funds are also regulated by SEBI and run by professional fund managers.
Frequently Asked Questions
Important Disclaimers
Unity Small Finance Bank (“Bank”) facilitates investments into mutual fund products (hereinafter referred to as “Product(s)”)
managed independently by respective Asset Management Companies (“AMC(s)”). Mutual Funds are subject to market risk. Please
read the offer document / Scheme Information Documents / Statements of Additional Information carefully before investing.
