EduFund Blogs

One of the most popular places in the world to study abroad in New Zealand. This amazing country has something else to give right now. For overseas students looking to pursue graduate and higher education or who wish to study in New Zealand in a variety of fields at a less expensive and accessible cost, it has the potential and capability to provide high-quality education that is also affordable.   New Zealand is renowned for having a top-notch educational system and degrees, certifications, and diplomas that are accepted around the world. The most affordable New Zealand universities for overseas students are in this blog.  1. University of Otago  The University of Otago in New Zealand, established in 1869, is ranked 217 in the QS World University Rankings of 2023 and is well-known for offering affordable programs in various fields of study. It has a student population of around 21,000, including 3,000 to 5,000 international students. The university is divided into four academic divisions with faculties, schools, colleges, and departments. Humanities and Business programs tend to be less expensive than Science and Health Sciences programs.  Course duration and first-year tuition fees of some popular courses at the University of Otago are as follows:  MBBS (6 years): INR 16.8L  MBA (15-24 months): INR 31.3L  MS (12-24 months): INR 15.3L-19.2L  BE/BTech (3 years): INR 15L  MIM (1 year): INR 21L  BSc (3 years): INR 12.2L-15L.  2. Victoria University of Wellington  The Victoria University of Wellington, established in 1897, is a renowned university in New Zealand and is ranked 275 in the QS World University Ranking of 2023. The university has over 20,000 students from around the world and three campuses in Wellington, New Zealand. It is well-known for its comprehensive graduate and postgraduate programs in various fields of study and its affordable tuition fees. The university also offers New Zealand Excellence Awards.  The course duration and first-year tuition fees of some popular courses at the Victoria University of Wellington are as follows:  Executive MBA (18 months): INR 21L  MIM (1-2 years): INR 13.3L-19.9L  MS (12-24 months): INR 11.8L-26.6L  BE/BTech (3-4 years): INR 13.7L-15.3L  BSc (3 years): INR 13.7L  MEng (1 year): INR 16.6L  March (2 years): INR 16.6L Cost of the university for parents Read More 3. University of Waikato  The University of Waikato, established in the early 1960s, is another popular university for its quality and affordable education. The alma mater of the Prime Minister of New Zealand, it secured a rank of 331 in the QS World University Ranking 2023. The campus currently has over 10,000 students from different countries around the world. The university offers a wide range of programs in various fields of study including arts, social sciences, science, mathematics, education, health, business, language, mass communication, engineering, and management. It also provides international scholarships, such as the University of Waikato International Scholarships for Indian students.  Courses Duration 1st Year Tuition Fees  MBA 18 Months INR 19.1L  BE/BTech 4 Years INR 14.2L – 17L  MS 12 – 24 Months INR 14.4L – 16.2L  MIM 1 Year INR 13.9L – 21.3L  BBA 3 – 4 Years INR 13.6L – 14.2L  BSc 3 Years INR 13.6L – 14.2L  MEng 1 Year INR 17.6L https://www.youtube.com/shorts/BSAN2pff3Y8 4. Massey University  Massey University is one of the most affordable universities in New Zealand, making it to our list of cheapest universities. It was founded in 1927 and is publicly funded, offering scholarships to international students in a variety of courses. The university is in Palmerston North, New Zealand, with two additional campuses in Albany and Wellington. Massey University is known for its integrated programs, which are renowned in fields such as engineering, social sciences, medicine, management, and business.  Courses Duration 1st Year Tuition Fees  MBA 12 Months INR 25.3L  MIM 1 – 1.5 Years INR 14.2L  MS 12 – 24 Months INR 16.3L – 18.6L  BBA 3 Years INR 13.6L  MEng 1 Year INR 15.6L – 17.5L  BE/BTech 3 – 4 Years INR 13.6L – 16.6L  BSc 3 Years INR 14.8L  5. University of Canterbury  The University of Canterbury, located in Christchurch, has earned a spot in our list of the cheapest universities in New Zealand, with a ranking of 284 in the QS World University Rankings of 2023. This public university has been welcoming international students for decades and is known for its affordable education. Established in 1873, the university offers a range of courses in various fields such as medicine, engineering, natural sciences, business administration, and humanities at a reasonable price. International students can benefit from numerous scholarships provided by the University of Canterbury for both undergraduate and graduate programs. Moreover, the university offers several engineering scholarships, which are among the best scholarships available in New Zealand.  Courses Duration 1st Year Tuition Fees  MBA 16 Months INR 26L  MEng 1 – 1.3 Years INR 20.4L  MS 12 – 24 Months INR 17.8L – 20.4L  BE/BTech 3 Years INR 14.2L – 17L  BSc 3 Years INR 16.3L  6. Lincoln University  Next on our list of affordable universities in New Zealand is Lincoln University, established in 1878. Despite its smaller size, the university has a diverse student population of around 3,000 to 3,500 students, with almost 43% of the students coming from other countries. Lincoln University is ranked 368 in the QS World University Rankings of 2023 and offers a range of graduate and postgraduate courses at affordable fees to international students.  Here are the first-year tuition fees and duration for some of the courses offered by Lincoln University:  Courses Duration 1st Year Tuition Fees  MBA 12 Months - Global Management & Marketing: INR 22.9L  Accounting & Finance: INR 20.9L  MS 24 Months INR 13.2L – 15.5L  MIM 1 Year INR 18.5L  BSc 3 Years INR 14L – 14.4L  BHM 3 Years INR 13.2L  M.Arch 1 Year INR 18.5L  Conclusion New Zealand is quickly growing in popularity among international students looking for a good education at a reasonable price. Several institutions in the nation provide a variety of programs at tuition rates that are comparably lower than those in other nations, making it a desirable option for students on a tight budget.   The universities on our list, including the University of Otago, University of Waikato, Massey University, University of Canterbury, and Lincoln University, have made a name for themselves in the field of higher learning by providing a wide range of programs in various academic specialties. Furthermore, many universities offer financial aid and scholarships to foreign students, facilitating their pursuit of higher education ambitions. Overall, attending one of New Zealand's more affordable institutions can be beneficial for both academic and financial reasons. 

Filing the Income Tax Return (ITR) can be a cumbersome and tedious task. You need to fill in information about hundreds of things, especially when you have more than one source of income. In this article, we will see about the applicability of ITR-2, who can file ITR-2, how to fill long-term capital gain in ITR-2, and what information is required to be given in this return restricting our discussion to things related to Capital Gains.  What is ITR-2?  ITR-2 in India is nothing but a form in which you must fill in the information regarding the income you have earned in the financial year and the applicability of taxes on it. The income tax department has notified seven different forms of ITR based on different categories. You must fill in the form which applies to you.   ITR-2 is a form where information regarding all the heads of income can be filled in except business or profession. If you want to file a capital gain ITR form and fulfill the conditions below, then you can file ITR-2, and this article will help you.   Who can file ITR-2?  The following are the conditions for being eligible to file ITR-2.  An Individual or HUF only can file ITR-2.  That individual or HUF can be Resident, Resident but Not Ordinarily Resident (RNOR), or Non-Resident (NR).  The assessee can have income under all the heads of income except Profits and Gains from Business or Profession. Meaning, if you have any income from any business or profession, then you cannot file ITR-2.  If anyone is eligible to file ITR-1, he cannot file ITR-2. ITR-1 is for resident individuals whose total income is composed of salary, income from one house property, and saving interest, and the total income does not exceed Rs. 50 lakhs.  So, if you fulfill all the conditions mentioned above, only you can file ITR-2.  After seeing who can file ITR-2, let us see what information is required to be given under this return.  Information to be given in ITR-2:  ITR-2 requires you to give information regarding various matters. The matters regarding information that are asked for can be classified as follows:  General information  Information regarding all the heads of income except Profits and Gains from Business or Profession  Details regarding capital gains, if any.  Information regarding set off and carry forward of losses.  Information regarding deductions under various sections like 80C, 80D, 80G, etc.  Information for various other matters like clubbing provisions, tax relief for taxes paid outside India, AMT, and b/f Credit, TDS, etc.  How to fill Long Term Capital Gain (LTCG) in ITR-2?  As mentioned earlier, we will restrict our discussion in this article to capital gains.  In ITR-2, you can fill all the details regarding your capital gains, whether short-term or long-term, whether earned from the sale of land or building or equity mutual funds, or any other capital asset. The information regarding capital gains can be divided as follows:  All other capital gains include gains arising on the sale of capital assets like land or building, gold, debentures, etc., whether short-term or long-term.  Under short-term capital gains, you have to give the details of sale consideration received expenses incurred wholly and exclusively in connection with the transfer of the asset, cost of acquisition, and various other details depending on the type of asset.  How to fill long-term capital gain in ITR-2?  The answer to this question can be divided into three parts:  LTCG on sale of land or building or both: For LTCG on the sale of land or building, you have to give property-wise details (in case you have sold multiple properties qualifying long-term capital asset) regarding consideration received, stamp duty value, indexed cost, details of the property, details of buyer and deductions, if you want to claim any.  LTCG on sale of equity share or mutual fund unit on which STT is paid: For this type of LTCG, you have to give the details regarding the date of acquisition, name of the company or MF unit, ISIN, quantity, cost of acquisition, FMV as on 31st Jan. 2018 in case the security was acquired before that, sale price per unit, etc. Remember, these details are to be given security-wise. To give these details, you need to ask for a Capital Gain statement from your broker for the whole financial year.  LTCG on all the other assets: For the remaining types of assets, the details are to be given depending on the type of asset. But in general, you need to give details regarding consideration received, cost of acquisition, indexation (if applicable), etc.  Modes of filing ITR-2:  ITR-2 can be filed online over the Income Tax Portal and offline by downloading the utility from the portal.  If you were searching for a capital gain ITR form and found yourself eligible for ITR-2, I hope this article gives you the relevant information and helps you fill out the return. 

Obtaining an international education has become increasingly popular among students in recent years, and many individuals aspire to travel abroad to pursue their educational and professional goals. While the prospect of studying or working in a foreign country is certainly exciting, the financial burden of living and studying abroad can be overwhelming. This is where education loans help. An education loan is a financial aid option that is designed to help students fund their educational expenses, including tuition fees, accommodation, and living costs. However, education loans can also be used to finance other educational opportunities, such as internships or work placements abroad. Scholarships for internships abroad are another way to sponsor it. An unpaid internship or work placement abroad can be a great opportunity for students to gain valuable experience in their chosen field, develop their skills, and improve their employability. Not only does it provide invaluable experience in a professional environment, but it also allows for personal growth and development. But you have to make sure to find the best internship programs abroad. Working in a foreign country provides invaluable international experience. It exposes you to different cultures, customs, and ways of working. Exploring an unpaid internship or work placement abroad can also enhance your resume and make you more competitive in the job market. Living and working in a foreign country can be challenging but also highly rewarding. It will test your adaptability and resilience, improve your communication skills, and build your confidence. You will learn to navigate unfamiliar environments and situations and gain a new perspective on life. However, many students may not have the financial means to support themselves during the placement. In such situations, an education loan can be a viable solution. There are several advantages to using an education loan to fund an unpaid internship or work placement abroad. Firstly, it allows students to take advantage of valuable educational opportunities that they may not have been able to afford otherwise. Secondly, it can help students build a credit history and establish financial independence. Finally, it can provide students with the flexibility they need to focus on their studies and gain valuable work experience without the stress of financial worries. https://www.youtube.com/shorts/p2Bj4VgVHgQ Here are some important things to keep in mind when using an education loan to finance an unpaid internship or work placement abroad: 1. Research education loan providers: Before applying for an education loan, it's important to research different loan providers and compare their terms and conditions. Look for a loan provider that offers flexible repayment options, competitive interest rates, and a loan amount that covers all your expenses. 2. Check eligibility criteria: Each loan provider has its own eligibility criteria, so make sure you meet the requirements before applying for a loan. Typically, you need to be a citizen or permanent resident of the country where you're applying for a loan, have a good credit score, and provide proof of enrollment or acceptance at an accredited institution. 3. Estimate your expenses: Before applying for a loan, estimate your expenses for the duration of your internship or work placement, including travel, accommodation, living expenses, and any additional costs. This will help you understand how much you need to borrow and ensure that you don't borrow more than you need. 4. Understand the repayment terms: It's important to understand the repayment terms of the loan before accepting it. Some loans require you to start repaying the loan immediately after disbursement, while others offer a grace period before repayment begins. Make sure you understand the interest rate, the repayment schedule, and any penalties for early repayment or late payments. 5. Use the loan responsibly: Remember that an education loan is a financial responsibility, and you'll need to repay the loan with interest. Use the loan only for necessary expenses related to your internship or work placement abroad, and avoid using it for unnecessary expenses or luxuries. Conclusion  Undertaking an unpaid internship or work placement abroad can be a life-changing experience. It provides valuable professional experience, personal growth, and cultural immersion. It is an investment in your future, and the benefits will last a lifetime. And using an education loan to fund an unpaid internship or work placement abroad can be a smart investment in your future career. By researching loan providers, understanding eligibility criteria and repayment terms, estimating your expenses, and using the loan responsibly, you can make the most of this opportunity to gain valuable international experience and enhance your career prospects. It is also important to remember that education loans are not free money, and students will need to repay the loan with interest. Therefore, it is important to carefully consider the costs and benefits of taking out an education loan before making a decision. In case you need any advice or information about the best intern abroad programs or any other financial concerns, our financial advisors are always available at your service. TALK TO AN EXPERT

When it comes to managing your finances, seeking the guidance of a financial advisor can be an excellent step toward achieving your long-term financial goals. However, for young adults who are just starting their financial journey, finding a trustworthy and reliable financial advisor can be a daunting task.  In this guide, we will discuss the importance of finding a financial advisor for young adults, the steps involved in finding a financial advisor, and how to choose the right financial advisor who can provide you with personalized financial advice to help you achieve your financial goals. So, whether you're a recent college graduate or a young professional looking to secure your financial future, this guide will provide you with valuable insights on finding the right financial advisor. Taking care of your finances  You may be aware of how challenging and crucial saving, investing, maximizing the value of your wealth, and retirement planning may be. If so, you may have thought about how to choose a financial advisor and the reasons you might require one.  You might have also experienced stress related to making a significant financial choice. You may have questioned how a financial advisor could assist with a home purchase, an investment in higher education, or managing the money for a wedding, the birth of a child, a divorce, the death of a spouse, or a serious illness.  Services of planners and advisors  Just 30% of investors, according to the National Association of Financial Planners, have a compensated financial advisor. While 95% of those who have an advisor say they think the advice is worth the money, 57% of those without one say they prefer to manage their own finances.  So, what services do financial planners and advisors offer? They may generally assist you in managing your financial life by employing different products and tactics to manage your wealth and enhance your financial practices.  Why you should get Financial advice?  For a variety of reasons, you could require a competent financial counselor. For instance, you might have recently received a sizeable inheritance from a deceased relative or a windfall from the state lottery. A person's need for a financial expert will change as they progress through different periods of life.  Maybe you recently had a child and want to secure their future in the event that the worst happens. Many parents look for assistance in building up estates that can pass riches to future generations and investing in their children's college educations. Retirement-related investing requires a different strategy than it does for young workers. Your degree of risk tolerance will alter as you get closer to retirement, and your investing strategy should adapt along with it. Perhaps your employer is providing an early retirement package that is too tempting to pass up, and you want to make sure the money will endure. Any of these circumstances (among many more) can naturally make you want some help from a professional managing your finances.  Finding reliable financial assistance  What steps should you take to discover the ideal advisor? Identifying the type of financial assistance, you require from a professional is the first step. Like many other individuals, you do some of your most profound economic thinking around tax time. So, a good certified public accountant (CPA) should be able to handle tax guidance and preparation for you. A financial advisor may or may not also be that CPA.  Choose the area of your financial life where assistance is needed The greatest financial planners are those who can help you map out a strategy for all your financial needs, including investment guidance, debt reduction, product recommendations for insurance, and estate preparation. Depending on the business, you might want in-depth financial planning or extra help for those with complicated financial needs. The services that different sorts of financial advisors provide may not be the same, so it's critical to choose the ones that you require.  Different types of Financial Advisors  Although all financial advisors are expected by law to act in your best interests, not all of them do. Understanding fiduciary duty and how they make money is crucial because it enables you to decide whether their advice is better for you or for their pockets. You must carefully assess potential financial advisors to ensure they are good for you and your money because there is no federal legislation that governs who can call themselves a financial advisor or provide financial advice.  Financial advisers who charge a fee  Fee-only financial advisors get their money from the fees you pay for their services. These fees could be calculated as a flat amount, an hourly rate, or a percentage of the assets they oversee managing on your behalf.  Almost all fee-only advisors are fiduciaries. To reduce any potential conflicts of interest, they have generally chosen to work just for pay. As they depend on consumers for their revenue, it is in their best interest to make sure you end up with financial plans and solutions that are ideal for you.  Financial Consultants with commissions  Financial advisors may advertise themselves as "free" or charge fees for guidance, and they may gain or lose money from third-party sales commissions. Commission-only advisors are fiduciaries who represent brokerage firms that provide investments and insurance, and they are solely subject to suitability requirements. The fiduciary duty of the financial advisor has an impact on fee-based financial advisors. Although not always negative in and of itself, some financial products are promoted using a commission-based approach. The use of financial advisors can be a terrific way to buy financial products, but it's important to know the difference between commission-based and fee-based financial advice.  Investors who are registered advisers  Investors who are registered advisers are professionals who are authorized to provide investment advice to clients. These individuals or firms must register with regulatory bodies such as the Securities and Exchange Commission (SEC) or state securities authorities to ensure compliance with securities laws and regulations. What are the services a financial advisor can offer?  Financial advice: By examining numerous investment options, financial advisors hope to assist you in selecting investments that are within your preferred level of risk.  Handling debt: If you owe money on credit card debt, school loans, auto loans, or mortgages, financial counselors can help you create a repayment plan.  Budgeting: Financial advisors are experts at assessing where your money goes once it has left your paycheck. To prepare for achieving your financial goals, advisors can help you create budgets.  Insurance coverage: Based on your financial situation, financial advisors could examine your current policies to identify any coverage gaps or recommend new types of policies, such as disability insurance or long-term care coverage.  Tax preparation: While planning your taxes, you should consider ways to reduce the amount of taxes you might owe, such as making sizeable charitable contributions or taking advantage of tax losses. Remember that tax preparation and planning are two distinct processes and that not all financial planners have a comprehensive grasp of taxes. You'll likely still want a CPA or tax preparation software to file your taxes.  Getting ready for retirement: With the help of financial professionals, you can fund your ultimate long-term goal of retiring. They can then make sure that you can protect your money once you have retired or are about to retire.  Estate planning: If you want to leave a legacy, financial advisors can help you transfer your assets to the next generation for your family, your friends, or charitable organizations.  College preparation: If you want to pay for your family members' higher education, financial advisors can help you design a strategy to help you save money.  Determine your capacity to pay your Financial Advisor  As an individual seeking financial advice, it is important to understand the various pricing structures that financial advisors may offer. Commission-only advisors may appear to be free, but they may receive compensation based on investments or purchases they make on your behalf. Fee-only or fee-based advisors may charge by the hour, plan, retainer agreement, or subscription model, in addition to fees based on the assets they manage for you.  When searching for a financial advisor, it is important to conduct extensive due diligence. You can ask for recommendations from peers, family, and friends, or search online for financial advisors. Professional financial planning associations also offer free databases of financial advisors.  As you assess potential advisors, consider their credentials, background, and fee schedules. It is important to note that not all financial planning association members are fiduciary financial counselors, so it is important to verify their status.  Ultimately, choosing the right financial advisor can help you achieve your financial goals and secure the future for yourself and your loved ones. However, due to the industry's complexity and potential for conflicts of interest, it is crucial to take precautions and select an advisor who will prioritize your financial needs.  Consult an expert advisor to get the right plan TALK TO AN EXPERT

Improved connectivity, new technological developments, and the economic policies adopted by governments have led the world to become one global market. In this era of globalization, it is widespread to see people having economic transactions in various geographical regions leading to tax implications in the respective countries.   And it is not necessary that all governments follow the same tax code. You may have to pay taxes in various countries on the same transaction due to the differences in the tax regulations in those countries. When the same income is taxed twice in two countries, it is double taxation. In this article, we will see, what is double taxation relief, the provisions of double taxation relief in India, and how you can get relief from double taxation. What is double taxation relief?  As discussed earlier, due to the differences in tax regulations, the same income may be subject to tax in two different countries. Identify for reasons four essentials for good combustion in a cylinder. This is called double taxation relief.  Types of double taxation relief  Generally, double taxation relief is provided in two ways. One is called Bilateral Relief, and the other is called Unilateral Relief. When relief is provided when governments of two countries come together and decide which government will tax which type of income and the extent of taxation through an agreement, it is called Bilateral Relief. It is not possible for governments to enter into agreements with all countries to avoid double taxation. So, generally, a provision is incorporated in the tax law which allows the taxpayers the credit of tax paid in another country. Since a country provides this relief unilaterally, it is called Unilateral Relief.  Double Taxation Relief Provisions in India  The taxpayers are given relief in both ways in India. Let us first see the provisions regarding bilateral relief. India has entered into Double Taxation Avoidance Agreements (DTAA) with more than 100 countries, including Sri Lanka, Switzerland, Sweden, Denmark, Japan, the Federal Republic of Germany, Greece, etc. So, the taxability of such income, which otherwise would have been doubly taxed, is determined as per the provisions of DTAA. And if the provisions of tax law are more beneficial to the taxpayer than the DTAA, then the provisions of tax law will remain applicable. However, to claim the benefits of DTAA, the taxpayer must furnish the Tax Residence Certificate.  Now coming to Unilateral relief, you need to know the following provisions:  The assessee is resident in India during the previous year in respect of which the income is taxable.  The income accrues or is deemed to accrue or arise outside India.  The income in question has been subjected to income tax in the foreign country in the hands of the assessee.  The assessee has paid tax on the income in the foreign country.   There is no agreement for relief from double taxation between India and the other country where the income has accrued or arisen.  So, if these conditions are satisfied, you can claim relief even if there is no DTAA between India and the other country. You will get a deduction from the Indian Income Tax payable. The amount of deduction would be calculated on such doubly taxed income as per the provisions of the Income Tax Act, of 1961. These provisions state that the deduction amount will be equal to an amount calculated on such doubly taxed income at the Indian rate of tax or the rate of tax in the foreign country, whichever is lower. Let us understand this with the help of an example.  Double Taxation Relief Example  Let’s say your Indian income from a business in India is Rs. 6,00,00. And you have earned a pretax foreign income of Rs. 2,00,000, which is taxed @ 15% in the foreign country. You have invested in ELSS during the financial year, Rs. 1,50,000, to get the deduction under Sec. 80C. So, your tax liability under Indian income tax would be calculated as follows:  Seeking financial and taxation guidance? Then connect with our experts to know the best way to maximize your income in India.    Consult an expert advisor to get the right plan TALK TO AN EXPERT

Germany is renowned for having a top-notch educational system and prestigious universities. Germany draws international students from all over the world because of its competitive academic programs, low tuition costs, and rich cultural diversity. Here are a few affordable universities in Germany for international students.  What is the price of education in Germany?  Tuition fees, living costs, and administrative fees are all included in the price of studying in Germany. Students attending public universities pay an administration fee of between €150 and €250 per semester instead of paying tuition. Undergraduate programs at private universities must cost at least €20,000 a year, while graduate programs must cost at least €30,000 annually. The required Blocked Account, which is a monthly payment supplied for the student to facilitate their living expenses and for completing their studies, has lowered the Cost of Living in Germany for international students. This sum has been fixed at €10,236 for the duration of the school year, or around €853 per month.  Cheapest Colleges in Germany for International Students  Most universities in Germany offer top-notch instruction without needing to raise tuition costs as much as other colleges.  Here are a few institutions that offer inexpensive tuition rates to foreign students in Germany. Let's examine the inexpensive German colleges for international students, their tuition rates, the best programs they provide, etc.  1. Humboldt University of Berlin  The Humboldt University in Berlin is an economical option for earning a master's degree, offering great education across a range of subjects, covering sciences, arts, and humanities. The university boasts a large and diversified student body of over 30,000, including a sizable number of overseas students. With more than 50 Nobel laureates among its alumni, it is one of Berlin's oldest higher education institutions and was founded in 1810. The M.S. in Business Administration, the Ph.D. in Economics and Management Science, the B.S. in Psychology, the B.A. in Information Management and Information Technology, and the B.S. The typical semester tuition fee is €315.64.  2. University of Bremen  Institutional techniques are used to describe the University of Bremen, a public research university that was founded in 1917. Electrical engineering, mathematics, computer science, biology and chemistry, production engineering, law, health science, and cultural studies are just a few of the courses it offers through its 12 faculties. The university's professors are well-known and skilled experts in their specialties. The university offers several well-liked courses, including a B.Sc. in Systems Engineering, a B.Sc. in Electrical Engineering and Information Technology (in German), an M.Sc. in Space Engineering, and an M.Sc. in Control Microsystems and Microelectronics. Importantly, there are no tuition costs at the university.  3. University of Cologne  One of Germany's largest public colleges, the University of Cologne is known for its Faculty of Economics, Business, Social Sciences, and Medicine. It is located in Cologne city. The university is divided into six faculties, including law, human science, management, economics, social science, medical, arts and humanities, mathematics, and natural science. It offers more than 200 academic programs. There are 658 professors in the university, and there are about 15 research centers. Bachelor of Science in Neuroscience, Bachelor of Science in Physics, Master of Arts (MA) in Intermedia - Media Education, Media Design, Media Culture, and Master of Arts (MA) in Digital and Computational Archaeology are among the popular courses the university offers. Importantly, there are no tuition costs at the university.  4. Heidelberg University  One of the oldest and most reasonably priced universities in Germany is Heidelberg University, commonly known as Ruprecht Karls Universität Heidelberg. The university has made a name for itself as a pioneer in disciplines like engineering, medicine, biology, and classical and ancient history. It is particularly well-known for fostering foreign doctoral candidates and for providing chances for research collaboration with important organizations like the German Cancer Research Institute. The institution offers a few well-liked programs, including a Bachelor of Science in Applied Computer Science, a master's in data and Computer Science, a Bachelor of Science in Biochemistry, a BSc in Medical Informatics (in German), and an MSc in Computer Engineering. The typical semester's tuition fees come to around €1500.  5. Ludwig Maximilians University  One of the best universities in Europe, Ludwig Maximilians University was founded in 1472 and is situated in the center of Munich. The university has a history of drawing eminent academics and outstanding students from all around the world for more than five centuries. It has grown to be one of the largest universities in terms of enrollment by concentrating on offering research opportunities and instruction to international students. The university offers a number of highly regarded programs, including a Bachelor of Science in Business Administration, a Bachelor of Science in Economics, a Master of Arts in Logic and Philosophy of Science, and an MS in Statistics and Data Science. Importantly, there are no tuition costs at the university.  6. University of Gottingen   The University of Gottingen was established in 1737 and focuses on research-based instruction. Both domestic and foreign students are enrolled in its faculties. The institution provides a variety of degree programs in the social and scientific sciences, law, medicine, theology, economics, computer science, and humanities. The Bachelor of Science in Agricultural Science, Bachelor of Business Administration, Master of Education in Biology, and Master of Business Administration in Agribusiness are all well-liked courses. The typical annual tuition rate for the university is €3900 each semester.  NOTE: It is recommended that students visit the official websites of these universities to gather further information about the diverse range of courses offered. The courses highlighted above are just a few of the popular programs available to international students at these affordable German universities. Hence, students can look forward to receiving quality education from these institutions, which are highly ranked for their undergraduate, postgraduate, and doctoral programs. 

London is a highly sought-after destination for international students seeking to study abroad. However, obtaining a degree from a UK university can be quite expensive, with tuition fees averaging around 25 lakhs INR per year.   Fortunately, for those who are looking for more affordable options, London has several universities that offer a variety of courses with tuition fees starting from as low as 11 lakhs INR. Affordable universities in London for international students 1. University of London  The University of London is widely regarded as an affordable university in London, offering a wide range of online programs through the world's largest online learning platform. The university also provides over 250 full-time or part-time study opportunities for students who prefer to study outside of London. As a public university, it welcomes international students to study in any of its 17 member institutions.  The tuition fees at the University of London range from 10.59 lakhs INR to 12.30 lakhs INR. To be eligible for admission, prospective students must have an overall average score of 70%, as well as submit a letter of recommendation, and a statement of purpose, and achieve an IELTS score of 6.0 or a TOEFL-iBT score of 87. 2. London Metropolitan University  London Metropolitan University, also known as London MET, is a publicly owned research university that was formed by the merger of the University of North London and London Guildhall University. The university has a strong association with the International Association of Aviation Personnel Schools and attracts over 70% of its students from 155 different countries. As one of the most affordable universities in London, it offers admission for both the September and January intakes. The average tuition fee at London Metropolitan University is around 11.02 lakhs INR.  To be eligible for admission, prospective students are required to have an academic GPA of 2.7/4 (equivalent to 82%), as well as submit a letter of recommendation, a statement of purpose, and achieve an IELTS score of 6.0 or a TOEFL-iBT score of 72 3. GSM London  GSM London is a university affiliated with Plymouth University and is renowned as an affordable option for higher education in London. The institution specializes in providing business programs that prepare students for a career in various industries. GSM London also offers scholarships that cover 50% of the tuition fees, making it an even more accessible option for students seeking an affordable education.  The tuition fee at GSM London is around 8.82 lakhs INR. To be eligible for admission, prospective students are required to submit their transcripts, a letter of recommendation, and a statement of purpose, and achieve a satisfactory IELTS score.  4. University of West London  The University of West London is one of the most affordable universities in London and is ranked in the top 10 for teaching quality. The university has 9 academic schools that offer approximately 13 undergraduate courses, 72 postgraduate courses, and 25 research courses. International students can apply for UWL scholarships, which can grant up to 5,000 GBP (4.41 lakhs INR) to help with the cost of tuition.  The average tuition fee at the University of West London is around 13.5 lakhs INR. Prospective students are required to have an academic score above 70%, achieve an IELTS score of 6.5, and submit two letters of recommendation, and a statement of purpose. For those applying to the MBA program, work experience is also required.  How much does it cost to study Law in the UK? Read more 5. Coventry University  Coventry University is a highly regarded modern university in the Midlands region and is one of the most affordable universities in London. The university has a diverse student population of approximately 30,000 students, with over 14,000 international students representing over 160 countries worldwide. After graduation, Coventry University boasts a 97% employment rate, with graduates working in well-known companies such as Ikea, BBC, Sainsbury's, Tata Technologies, and FordHeat Magazine, to name a few.  The average tuition fee at Coventry University is around 11.29 lakhs INR. To be eligible for admission, prospective students are required to have a minimum score of 55% - 65%, depending on the program, and achieve satisfactory scores on an English proficiency test such as IELTS or TOEFL. Additionally, students must submit a statement of purpose to study in the UK.  6. Ulster University  Ulster University is a well-respected institution with a campus in London and seven schools and research institutes. The university is known for its excellence in arts and athletics and has a diverse student population, with 12% of the student body made up of international students from around the world.  The average tuition fee at Ulster University is around 8.82 lakhs INR. Prospective students must meet the minimum academic requirements of a UK second-class honors degree or equivalent, with a minimum academic score of 60%. Additionally, they are required to achieve a satisfactory score on an English proficiency test such as IELTS, provide letters of recommendation, and submit a resume.  7. Middlesex University  Middlesex University is a reputable institution in London, consisting of six schools, and is known for being one of the most affordable universities in the city. The university has three additional campuses located in Dubai, Mauritius, and Malta. The London campus is ranked in the top 10 universities in the UK for student diversity, with one-third of the total student population comprised of international students representing 145 different nationalities.  The average tuition fee at Middlesex University is around 12.97 lakhs INR. Prospective students are required to have a minimum GPA of 3.0/4 (85%) and achieve a satisfactory score on an English proficiency test such as IELTS (score of 6.5). Additionally, students must submit a statement of purpose and work experience.  8. University of Westminster  The University of Westminster is a public research university and is considered one of the most affordable universities in London. It was established as the Royal Polytechnic Institution, the first polytechnic in the UK. The university has four campuses in London and offers programs across 24 study areas.  Tuition Fees: On average, the tuition fee for undergraduate courses is around 13.06 lakhs INR, and for postgraduate courses, it is around 14.41 lakhs INR.  Admission Requirements: The academic requirements vary depending on the course and level of study. Generally, students need a good academic score, English language proficiency scores, a statement of purpose, and letters of recommendation.  In conclusion, London is a hub for international students seeking quality higher education. While some universities may have high tuition fees, there are also many affordable options available for students looking to study in London.   The universities we discussed, such as the University of London, London Metropolitan University, GSM London, University of West London, Coventry University, Ulster University, and Middlesex University, offer a range of programs and opportunities for students from all over the world.   These universities also have diverse student bodies and a focus on providing quality education. With proper research and planning, students can find the right university in London that fits their academic and financial needs.  Consult an expert advisor to get the right plan TALK TO AN EXPERT

It is no surprise that enormous numbers of students desire further education overseas. Yet, studying abroad is expensive and only affordable for some. In this case, overseas education loan programs act as lifesavers and assist students in paying for their studies abroad. Below, we have provided an overview of the abroad education loans in different countries for international studies. Types of education loans  As the primary source of higher finance in India, education loans are a foundation of support for many students. Following are the categories of student loans: 1. Secured education loans In essence, secured loans are loans supported by a piece of property. Borrowers of collateral loans must provide it to be approved for an education loan. In return for the loan, the borrower gives the lender a piece of property as collateral. 2. Unsecured education loans Unsecured student loans don't often demand collateral, so borrowing money for school doesn't entail students pledging anything as security. Loan loans are awarded to students based on a student's academic profile and the financial profile of their co-applicant. Financial companies giving unsecured loans are highly careful about numerous criteria since they are lending loans bearing in mind the student's earning potential in the future. Private banks and NBFCs offer unsecured student loans in India.  Types of education loans for various countries in the world Following is an overview of the abroad education loan landscape in different countries: 1. Australia Type of Education Loan Recommended: Secured education loan The maximum loan amount provided: Upto 1.5 Cr  The majority of students receiving assistance from the Australian embassy obtain secured student loans from PSUs and government banks like the SBI. This is because government banks, unlike NBFCs, have consistently demonstrated their financial dependability and reliability. But, it's crucial to remember that the Australian embassy only accepts third-party collateral as doing so implies that the student has no alternative means of funding for their studies in Australia. Hence, even if the students are processing through government banks, remember that the Australian embassy pays special attention to the nature of the collateral being pledged. 2. New Zealand Type of Education Loan Recommended: Secured education loan The maximum loan amount provided is INR 1.5 Cr  Secured education loans are the sole option available to students, as New Zealand does not accept NBFC loans. The New Zealand embassy dislikes utilizing other parties' collateral as a main source of funding, so please be aware of that. To study in New Zealand, it is thus suggested that you avoid taking out a third-party education loan. They also accept a variety of collateral, such as liquid securities like fixed deposits and real estate, which must be at least six months old. 3. United Kingdom Type of Education Loan Recommended: Secured education loan The maximum loan amount provided: Upto  1.5 Cr For study in the UK, both types of education loans are suitable. Students are generally advised to choose a secured education loan via nationalized banks over an unsecured education loan through private banks or NBFCs if they want to take out a student loan to pay for their studies in the UK or any other country. Although students can contact NBFCs for educational loans, asking for loans through a government bank may be your only chance of obtaining a hassle-free UK study visa. 4. USA Type of Education Loan Recommended: Secured/Unsecured loans The maximum loan amount provided: With security, up to 1.5 Cr and up to 40 Lacs (without security). Students often get unsecured and secured education loans for their studies in the USA, although this also relies on the qualifying requirements established by the lending bank. 5. Canada Type of Education Loan Recommended: Secured/ Unsecured loan Maximum loan amount provided: Upto 1.5 Cr(with security) and 25-30 lacs(without security) Banks often provide both unsecured and secured education loans for students in Canada. The conditions established by Canadian law must be met by students who want to study there. Top education loan schemes for abroad studies by the Indian government The Government of India offers several different types of educational loans that are straightforward to apply for and may be used for studies abroad. The list of the best government student loans for study abroad is given below: Gujarat Government Education Loan Type State Government Loan to Study AbroadAmount Offered as LoanUpto 15 Lakhs  Vidya Lakshmi Education Loan Type Government Loan for Study AbroadAmount Offered as LoanUpto 30 Lakhs  Education Loan Scheme of the NBCFDC Type Government Loan for Study Abroad through a Government Organisation Amount Offered as LoanUpto 20 Lakhs  Padho Pardesh Scheme Type Government Education Loan for Abroad through Canara Bank  Amount Offered as LoanUpto 20 Lakhs  Dr. Ambedkar Central Sector Scheme Type Central Government Loan for Abroad Study Amount Offered as LoanNot specified  It is usually advised to thoroughly read the loan's terms and conditions before proceeding. We emphasize this point since it's important to understand all the terms of the loan agreement. TALK TO AN EXPERT!

As a student in India, investing may not be the first thing that comes to your mind, but it can be a great way to build long-term wealth and financial security. Investing early in life gives you an edge over those who start later, as it provides more time for your investments to grow. By investing regularly and wisely, you can set yourself up for a bright financial future. Here are some reasons why investing as a student is important: Time is on your side: As a student, you have a longer investment horizon compared to someone who starts investing later in life. Starting early gives you more time to let your investments grow and compound. Even small investments made early can grow into significant amounts over time. Develop good financial habits: Investing as a student can help you develop good financial habits that will serve you well throughout your life. It encourages you to budget, save, and plan for your future. Investing also teaches you the importance of patience, discipline, and long-term thinking. Beat inflation: Inflation erodes the value of your money over time. Investing can help you beat inflation and preserve the purchasing power of your money. By investing in assets that appreciate in value over time, you can grow your wealth and stay ahead of inflation. Invest in US Market Tips on how to invest as a student in India 1. Start small As a student, you may not have a large amount of disposable income to invest. That's perfectly fine. You can start by investing in small investment plans for students, like investing small amounts of money in mutual funds or exchange-traded funds (ETFs) that allow you to invest in a diversified portfolio. Investing regularly in small amounts can compound over time and grow into a significant sum. 2. Learn about investing Before you start investing, it's important to learn about the different investment options available to you. You can take online courses, attend workshops, or read books on investing to gain knowledge and confidence in investing. Understanding the basics of investing can help you make informed decisions about your money and find the best investment for students in India. What is Student Credit Card? Read More 3. Consider long-term investments As a student, you have a long investment horizon. This means that you can invest in long-term investments like equity mutual funds or stocks that have the potential to grow over time. Long-term investments offer a higher potential for growth and can help you build substantial wealth over time. However, keep in mind that past performance does not guarantee future results. Always do your research before making any investment decision. 4. Create a budget Before you start investing, it's important to create a budget considering your income and expenses. This will help you understand how much money you can afford to invest each month. By creating a budget, you will have a clear understanding of your financial situation and make smarter investment decisions. This will always help you in looking for the best options for small investment plans for students in India.  5. Take advantage of tax benefits The Indian government provides tax benefits on certain types of investments, like equity-linked savings schemes (ELSS). These schemes not only offer tax benefits but also provide a higher potential for returns compared to traditional investment options like fixed deposits. Consider investing in such schemes to save tax and grow your wealth. 6. Avoid taking unnecessary risks Investing always involves risk, but as a student, it's important to avoid taking unnecessary risks with your investments. Avoid investing in high-risk options like derivatives or futures and instead focus on building a diversified portfolio. Diversification means investing in a mix of different asset classes that are not closely correlated. This helps to reduce your overall risk exposure. 7. Consult a financial advisor If you're unsure about where to invest or how to start investing, consider consulting a financial advisor. They can provide personalised guidance based on your financial situation and investment goals. A financial advisor can also help you create a comprehensive financial plan that takes into account your short-term and long-term goals. Our team at EduFund has efficient financial advisors constantly available for your help and advice, whether it is about finding the best investment plans for students in India or any other financial concerns you may have. Conclusion  In conclusion, investing as a student in India can be a great way to build long-term wealth and financial security. Start small, learn about investing, consider long-term investments, create a budget, take advantage of tax benefits, avoid taking unnecessary risks, and consult a financial advisor. With these tips, you can make smart investment decisions and set yourself up for a bright financial future. And for any issue regarding these investments, our team of financial advisors is just a call away. TALK TO AN EXPERT

How to double your money? What are some ways to double your money in the 21st century? Is it mutual funds or ETFs? Should we invest in stocks or funds? We are all surrounded by these queries constantly.   With the rise of financial influencers around us, financial literacy and conversation have become the norm. While it is illuminating, it can be confusing as well. Easy ways to double your money to beat inflation 1. Mutual Funds  Mutual funds come in different types such as ELSS, equity-oriented, debt-oriented, and balanced mutual funds. It is a good way to double your money but be careful of the risks and consult a good financial advisor before starting your journey. Reading all documents and staying updated are equally important.   Although there are risks involved with investing in the stock market, mutual funds have historically offered higher returns than other investment options. Therefore, it can be a good way to grow your money. The return on investment for mutual funds is determined by their tenure, with long-term mutual funds offering rates of 12% to 15% per year. It may take about 5 to 6 years to double your investment with these mutual funds.  2. Kisan Vikas Patra (KVP)  This savings scheme is classified under the Post Office Small Saving Scheme. It was discontinued for some time but was reintroduced in the initial quarter of the fiscal year 2015-16. The Indian Government periodically revises the interest rates and tenure to boost returns. The interest rate for the Kisan Vikas Patra (KVP) for the period of April to June 2021 is 6.9%.  Money Management Rule Read More 3. Corporate Bonds  Compared to other investment options, bank deposits tend to offer lower interest rates. If you are seeking higher returns, corporate bonds may be a more attractive option. The interest rates on corporate fixed deposits (FDs) or non-convertible debentures (NCDs) are determined by the issuer's credit score and market reputation.  4. National Savings Certificates  National Savings Certificates (NSC) are issued by the Indian Postal Department, and they are considered a highly secure investment option. These certificates have a fixed tenure of either five or ten years and a fixed interest rate. For NSCs with a 5-year term, the interest rate is 8.5% per year, while for NSCs with a 10-year term, the rate is 8.8% per year. NSCs are exempt from income tax under Section 80C of the Income Tax Act 1961, up to Rs 1,50,000. There is no TDS charged on the maturity amount received. NSCs can also be used to obtain loans from any bank.  5. Tax-free Bonds  Previously, tax-free bonds were only issued for a limited period of time. However, the government allowed a few state-operated entities to issue tax-free bonds up to INR 40,000 crore. These tax-free bonds from NTPC and PFC are in high demand. For the 2015 series, the tax-adjusted return or interest rate offered by these bonds ranged from 8.20% to 8.50% per year, depending on the tenure. It is possible to double your investment in around 8 to 9 years through these bonds.  Money Mistakes to Avoid in the 30s Read More 6. Gold ETFs  Gold is a popular investment option as it has provided consistent returns of around 10%. To make gold investments even more lucrative, you can consider investing in Gold ETFs and Gold Bonds. Another option is to invest in the Sovereign Gold Bond Scheme, which is regulated by the RBI and the Government. The scheme allows you to own Gold in certificate form, with the value of the bonds determined in multiples of one gram of Gold. The minimum initial investment is one gram, and you can earn 2.5% interest per year on the amount invested. The lock-in period for the invested amount is eight years. It typically takes around eight years to double your investment in Gold ETFs.  7. Real Estate  Investing in residential real estate is also a viable option to double your money. Not only can you generate a regular rental income, but you can also own an asset, diversify your portfolio, and save taxes. It typically takes 6 to 7 years for the value of your property to double. However, real estate investments require a significant amount of capital. The returns on such investments are influenced by multiple factors, including the location and infrastructure development in the neighboring areas.  8. Stock Market  Investing in stocks is a great way to double your invested money and build wealth. However, direct stock investments carry high risks, and you could lose up to 50% of your investment. On the other hand, the returns on individual stocks can be equally high, with big companies offering returns of over 20% over longer periods. For instance, Eicher Motors Limited had a five-year CAGR of 28.77%. With such returns, you can expect to double your wealth in 3.5 years. It is still advisable to invest in stocks for the long term (five years or more) to minimize risks and maximize returns.  9. Public Provident Fund (PPF)  To invest in PPF, a minimum of INR 500 per year is required, and the scheme has a lock-in period of 15 years. Compared to other savings plans, PPF offers the lowest possible contribution. Salaried, self-employed, and government employees are eligible to invest in this scheme. The rate of return for each year in the fund is 8.75% per year. With such a rate of return, your invested money may double in 8 years.  Consult an expert advisor to get the right plan TALK TO AN EXPERT

Earlier, we read about the top 3 ETFs in the small-cap category and the top 3 in the mid-cap category. Here, we will have a look at the top three ETFs in the micro-cap category.  Before finding out what the top 3 ETFs in the micro-cap category are, we must first understand what micro-cap is. What is a micro-cap?  A micro-cap is a publicly listed corporation in the United States with a market capitalization of less than $300 million.   Micro-cap firms have a more significant market cap than nano-cap businesses, but they have a lower market capitalization than any other type of company. For firms with larger market capitalizations, stock prices are not always higher than those with lower market capitalizations.   Nano and micro-cap corporations are notorious for their fluctuation, and as a result, they are viewed as risky than companies with more significant market capitalization.   Micro-caps are also high-risk because many of them have unproven goods and no firm history, resources, sales, or operations.   They are also susceptible to higher price shocks due to a lack of liquidity and a minuscule shareholder base.  As micro-cap equities have a market capitalization of $50 million to $300 million, investors can expect higher volatility and risk than equities in the S&P 500.   On the other hand, micro-caps tend to do better than their larger counterparts in periods of bullish strength.  The top 3 recommendations in the micro-cap category ETFs  Rank ETF 1 SPDR S&P 600 Small Cap Value ETF2 iShares S&P Small-Cap 600 Value ETF3 WisdomTree U.S. SmallCap Dividend Fund 1. SPDR S&P 600 Small Cap Value ETF  SLYV is a small-cap value fund that follows the S&P SmallCap 600 Value Index. It has a lesser tilt than its index and provides good small-cap value exposure.   Its constituents are selected from the S&P SmallCap 600 companies with the best value characteristics, as measured by the following ratios  book value-to-price ratio   earnings-to-price ratio  sales-to-price ratio  The fundamental benchmark’s weight is the respective market capitalization and is rebalanced once a year. The fund uses a sampling technique, which implies this might not possess all of the underlying assets in the same proportions, but it does hold exposure with a similar investment profile.   The MSCI ESG Fund Rating for the SPDR S&P 600 Small Cap Value ETF is BBB, reflecting a score of 5.16 out of 10.  Performance  Performance [as of 16/03/22]1 year3 years5 years10 yearsSLYV-4.94%12.16%10.27%10.95%S&P Small Cap 600 Value-0.98%13.00%9.91%11.96% The fund invests entirely in the United States.  SLYV Top 10 holdings  Source: etf.com SLYV details  BrandSPDRExpense Ratio0.15%YTD Return-3.84%AUM$4.12BNumber of Holdings459Avg. Spread ($)$0.09Average Daily $ Volume$19.87M 2. iShares S&P Small-Cap 600 Value ETF   IJS invests in potentially undervalued small-cap firms in the United States.   The S&P SmallCap 600 Underlying Index identifies value stocks with the most vital fundamental qualities, Price book value, and price to earnings ratio, and sales-to-price ratio, from the S&P SmallCap 600.   Once a year, in December, the underlying index is rebalanced. The MSCI ESG Fund Rating for the iShares S&P Small-Cap 600 Value ETF is BBB, based on 5.16 out of 10.  Performance  Performance [as of 16/03/22]1 year3 years5 years10 yearsIJS-5.09%12.01%9.30%11.51%S&P Small Cap 600 Value-0.98%13.00%9.91%11.96% The fund invests entirely in the United States.  IJS Top 10 holdings  Source: etf.com IJS details  BrandiSharesExpense Ratio0.18%YTD Return-4.02%AUM$8.71BNumber of Holdings458Avg. Spread ($)$0.07Average Daily $ Volume$51.83M 3. WisdomTree U.S. SmallCap Dividend Fund  As it is a yield-focused fund, DES stands out among the slew of US small-cap ETFs. By overweighting dividend-heavy industries, DES' strategy provides a greater dividend yield than the market. DES favors the micro-cap end of the small-cap spectrum.   After the 300 largest corporations are excluded, the residual market capitalization of the WisdomTree US Dividend Index the dividend-paying world of businesses in the US stock market is used to determine index components.   Companies that make up the lowest 25% of the residual market capitalization are taken into account. Every year, the Underlying Benchmark is rebalanced.   The fund's index was previously known as the WisdomTree Small Cap Dividend Index until June 30, 2017.  Performance  Performance [as of 16/03/22]1 year3 years5 years10 yearsDES-0.46%7.38%6.27%9.97%WisdomTree U.S. Small Cap Dividend Index2.77%8.39%6.96%10.41% The fund invests entirely in the United States. DES top 10 holdings  Source: etf.com DES details  BrandWisdomTreeExpense Ratio0.38%YTD Return-4.05%AUM$1.85BNumber of Holdings677Avg. Spread ($)$0.03Average Daily $ Volume$5.45M One should look at these ETFs before investing in the micro-cap category in the USA.  FAQs What is a micro-cap?  A micro-cap is a publicly listed corporation in the United States with a market capitalization of less than $300 million.  Micro-cap firms have a more significant market cap than nano-cap businesses, but they have a lower market capitalization than any other type of company. For firms with larger market capitalizations, stock prices are not always higher than those with lower market capitalizations. What are the 3 best ETFs for micro-cap category investing? SPDR S&P 600 Small Cap Value ETF iShares S&P Small-Cap 600 Value ETF WisdomTree U.S. SmallCap Dividend Fund Is Micro-cap investing risky? Micro-caps are also high-risk because many of them have unproven goods and no firm history, resources, sales, or operations.   Consult an expert advisor to get the right plan for you TALK TO AN EXPERT

Before finding the top three ETFs in the small-cap category, we must understand what the small cap is. What is the small cap?  A small cap is a publicly-traded firm with a market valuation of $300 million to $2 billion. The exact figures differ. The most numerous corporations in the market are small-cap stocks. Small-cap stocks outnumber large-cap and mid-cap companies combined.  Small-cap stocks offer different risks and benefits for shareholders than their larger competitors due to their size. Small-cap stocks can have higher-than-average volatility, which means they suffer rapid increases and losses.   If investors can tolerate the highs and lows over a lengthy period, they get proportional rewards. However, certain small-cap companies may experience extreme movements and be illiquid in the near term.  The following indices are the benchmarks for the small-cap universe in the United States. Both include companies from a wide range of industries:  The S&P SmallCap 600 Index is a measure of the performance of small-cap companies.   The Russell 2000 index tracks the performance of 600 small-cap firms, whereas the S&P SmallCap 600 Index monitors the behavior of 600 small-cap companies.   The Russell 2000 Index comprises about 2,000 of the smallest firms in the United States.  The S&P's small-cap Index has returned an average of 8.3 percent a year over the last 20 years, compared to 8% and 6.3 percent for its medium-large competitors, respectively. Top 3 ETFs in the small-cap category Rank ETF 1 SPDR Portfolio S&P 400 Mid Cap ETF 2 Schwab Fundamental US Small Co. Index ETF 3 ProShares S&P MidCap 400 Dividend Aristocrats ETF  1. SPDR Portfolio S&P 400 Mid Cap ETF  By tracking the S&P mid-cap 400 Index, SPMD provides exposure to the mid-cap portion of the US equity market. The S&P Committee selects stocks based on market capitalization, focusing on sector balance, by assessing the share of each GICS (Global Industry Classification Standard) category in the Underlying Index to its weight in the S&P Total Market Index's relevant market capitalization range.   SPMD has experienced multiple names, Index, and ticker changes throughout the years, previously trading under the name RSCO in November 2005 and in August 2016. (Ticker: SMD).   Finally, until January 24, 2020, it was also known as the SPDR Portfolio Mid Cap ETF, which tracked the S&P 1000 Index. The fund uses a sampling approach, and the Index-rebalancing happens every three months.   The MSCI ESG Fund Rating for the SPDR Portfolio S&P 400 Mid Cap ETF is A, with 6.51 out of ten. The MSCI ESG Fund Rating assesses a portfolio's long-term resistance to risks and opportunities posed by environmental, social, and governance variables. Performance Performance [as of 14/03/22]1 year3 years5 years10 yearsSPMD-2.50%11.90%10.17%11.20%S&P Mid Cap 400-2.49%11.95%10.10%11.26% The fund invests completely in the US market. SPMD Top 10 Holdings  Source: etf.com SPMD details  BrandSPDRExpense Ratio0.05%YTD Return-10.13%AUM$5.05BNumber of Holdings400Avg. Spread ($)$0.01Average Daily $ Volume$70.82M 2. Schwab Fundamental US Small Co. Index ETF  Small caps are approached differently by FNDA. FNDA picks and weights stocks depending on 5-year means of maintained operations cash flow, adapted sales, dividends plus buybacks, rather than a standard cap-weighted method.   It determines the bottom 12.5 percent of the qualifying list as a 'small-cap' index. The Index's constituents' weights are decided annually and partially reconstituted quarterly.   The Index is segregated into four segments, each overhauled on a rolling quarterly basis. Despite its non-traditional technique, the fund tracks its cap-weighted benchmark rather well, eliminating primary sector and size distortions.   The MSCI ESG Fund Rating for the Schwab Fundamental U.S. Small Company Index ETF is BBB, based on 5.45 out of 10. The MSCI ESG Fund Rating assesses a portfolio's long-term resistance to risks and opportunities posed by environmental, social, and governance variables.  Performance  Performance [as of 14/03/22]1 year3 years5 years10 yearsSPMD-2.69%12.25%9.93%-MSCI USA Small Cap Index-10.15%11.19%10.53%- The fund invests entirely in the US market  FNDA Top 10 Holdings  Source: etf.com FNDA details  BrandSchwabExpense Ratio0.25%YTD Return-8.09%AUM$4.75BNumber of Holdings902Avg. Spread ($)$0.05Average Daily $ Volume$15.71M 3. ProShares S&P Midcap 400 Dividend Aristocrats ETFs  REGL operates in a competitive market, but it stands out from its mid-cap competition in various ways. To begin with, it's a dividend-focused fund that only invests in firms that have raised their dividends for at least 15 years.   The strict constraints of REGL limit it to a few dozen stocks, resulting in a concentrated portfolio. It targets a minimum of 40 companies, with dividend growth histories being shortened if the minimum count is not met, and each sector is limited to just 30% of the Index weight.   Finally, the fund is equal-weighted, which means it has a lesser tilt than most mid-cap ETFs. The indicator is reweighted quarterly and reconstituted once a year.   The MSCI ESG Fund Rating for ProShares S&P MidCap 400 Dividend Aristocrats ETF is A, with 5.95 out of 10. The MSCI ESG Fund Rating assesses a portfolio's long-term resistance to risks and opportunities posed by environmental, social, and governance variables.  Performance  Performance [as of 14/03/22]1 year3 years5 years10 yearsREGL1.96%10.33%8.66%-MSCI USA Mid Cap Index0.53%14.52%12.28%- The fund invests entirely in the US market  REGL Top 10 Holdings   Source: etf.com REGL details  BrandProSharesExpense Ratio0.41%YTD Return-4.90%AUM$1.05BNumber of Holdings49Avg. Spread ($)$0.06Average Daily $ Volume$4.41M FAQs What is small-cap? A small cap is a publicly traded firm with a market valuation of $300 million to $2 billion. The exact figures differ. The most numerous corporations in the market are small-cap stocks. Small-cap stocks outnumber large-cap and mid-cap companies combined.  What is small-cap classified? A small-cap stock is a stock whose market value is anywhere between $300 million to $2 billion. What are examples of small-cap stocks? Examples of small-cap stocks are - 1. Tesla2. Nike 3. Amazon4. Walmart 5. Apple One should look at these ETFs before investing in the small-cap category in the USA. Consult an expert advisor to get the right plan for you TALK TO AN EXPERT

HDFC Mutual Fund, also called HDFC AMC, is one of India's largest and most profitable mutual fund houses. The company is a part of the Housing Development Finance Corporation or HDFC Group, a financial conglomerate with established businesses in housing finance, asset management, life and non-life insurance, education finance, and real estate funds.  As of December 2020, HDFC AMC's Quarterly Asset Under Management or QAAUM of INR 389466.56 crore is the highest among 41 mutual fund houses operating in the country. HDFC AMC became a publicly listed company and has been listed on the National Stock Exchange and Bombay Stock Exchange since August 2018. Presently, the promoters hold a 73.92% stake in the company (HDFC Ltd. - 52.7% and Standard Life Investments Limited - 21.2%), followed by FII (9.11%), DII (5.62%), and public (11.34%). HDFC AMC's Quarter-on-Quarter (QoQ) profit for December 2020 has soared to INR 369.26 crore from 338.06 crores, and its basic Earnings Per Share (EPS) grew to 17.34 in December 2020 as against 15.88 in the previous quarter. Its profit before tax was INR 1,653.05 crore in March 2020, as compared to 1,374.70 crore in March 2019. HDFC AMC's EPS has grown consistently. For example, the basic EPS was 23.64 in 2016, which grew to 27.33 in 2017, 34.52 in 2018, 43.87 in 2018, and 59.37 in 2019. As of 12th April 2021, the AMC had a market capitalization of INR 60,579 crore (Source - moneycontrol.com).  HDFC AMC offers a wide range of investment and savings products and has a considerable retail and institutional investor base. Presently, it has more than 9 million active accounts, and its equity mutual funds are some of the best you can get in India. Data published by the fund house indicates that more than one in four investors choose an HDFC mutual fund for investing. For over 25 years, HDFC mutual fund has been a consistent performer with a demonstrable track record of wealth creation and client management. Its core investment team consists of thirty (30) members who have proven expertise in capital markets, bonds, and commodity markets. Besides retail investor services, HDFC AMC also offers (non)discretionary and advisory services to HNIs or High Net Worth Individuals, Hindu Undivided Families (HUFs), domestic and international corporate houses, trusts, and domestic and international financial institutions. HDFC AMC manages a total of 101 funds across several categories like Arbitrage, Banking, and PSU, etc. Important information about HDFC mutual fund Name of the AMCHDFC Asset Management Company Ltd.Incorporation DateDec-10-1999SponsorsHousing Development Finance Corporation Ltd. and Standard Life Investments Ltd.TrusteeHDFC Trustee Company LimitedTrustees' NameMr Vimal Bhandari, ChairmanMr V. Srinivasa Rangan, DirectorMr Mehernosh Kapadia, Independent DirectorMr Dindayal Jalan, Independent DirectorMD/CEOMr Milind BarveCIOMr Prashant JainCompliance OfficerMr Yezdi KhariwalaInvestor Service OfficerMr John MathewRegistrar and Transfer agentKFin Technologies Private Limited (Formerly known as Karvy Fintech Private Ltd)Unit: HDFC Asset Management Company Limited (ISIN: INE127D01025)Karvy Selenium Tower B, Plot No 31 & 32 Gachibowli, Financial District,Nanakramguda, Serilingampally Hyderabad – 500 032.Contact Person: Mr Ragesh Raghavan/Suman KonijetiTelephone: 040 67162222, Toll-free No.18003454001E-mail: einward.ris@kfintech.comToll-free Number 1800 3010 6767 / 1800 419 7676Email Addresscliser@hdfcfund.comRegistered AddressHDFC Asset Management Company LimitedCIN: L65991MH1999PLC123027Registered Address: “HDFC House”, 2nd Floor,H. T. Parekh Marg, 165-166, Backbay Reclamation,Churchgate, Mumbai – 400020. Ten top-performing HDFC mutual fund schemes  HDFC has mutual funds in almost all categories permitted by the Securities and Exchange Board of India or SEBI. Here is a list of the ten best-performing HDFC mutual fund schemes in India. 1. HDFC Small Cap Fund (Category - Equity: Small Cap) The HDFC Small Cap fund, with a NAV of 52.8330 (Regular Growth) (as on 12th April, 2021), is the top-performing fund in the 'Equity: Small Cap' category. This open-ended fund was launched on 3rd April 2008 and has given trailing returns of 103.22% in one year (as on 9th April 2021). The fund considers the NIFTY Smallcap 100 TRI as its benchmark.  Key information Minimum InvestmentINR 5,000Minimum Additional Investment INR 1,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit Load1% for redemption within 365 days; Nil for redemption after 365 daysReturn Since Inception (3rd April 2008):14.04% (as of 9th April 2021)AssetsINR 10,050 Crore (as of 31st March 2021)Expense Ratio1.80% (as of 28th February 2021) 2. HDFC Mid-Cap Opportunities Fund (Category - Equity: Mid Cap) The HDFC Mid-Cap Opportunities Fund was launched on 25th June 2007 and has given gravity-defying returns year after year.  In the one-year period ending on 9th April 2021, the fund has given trailing returns of 83.71%. The fund is open-ended and treats the NIFTY Midcap 100 TRI as its benchmark.  As on 12th April 2021, the NAV of this fund is hovering around 71.6680 (Regular Growth). Key information Minimum InvestmentINR 5,000Minimum Additional Investment INR 1,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit Load1% for redemption within 365 days; Nil for redemption after 365 daysReturn Since Inception (25th June, 2007):15.72% (as on 9th April, 2021)AssetsINR 26,471 Crore (as on 31st March, 2021)Expense Ratio1.79% (as on 28th February, 2021) 3. HDFC Retirement Savings Fund Equity Plan (Equity: Flexi Cap) HDFC Retirement Savings Fund Equity Plan has been consistently generating decent returns for its investors. This fund was launched on 25th February 2016 and considers the NIFTY 500 TRI as its benchmark. However, this fund has a lock-in period of five (5) years. In the one-year period ending on 9th April 2021, the fund has given trailing returns of 71.12%. As on 12th April 2021, the NAV of this fund is 21.7960 (Regular Growth). Key information Minimum InvestmentINR 5,000Minimum Additional Investment INR 1,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit LoadNoneReturn Since Inception (25th February 2016):17.38% (as on 9th April, 2021)AssetsINR 1,392 Crore (as on 31st March, 2021)Expense Ratio2.38% (as on 28th February, 2021) 4. HDFC Growth Opportunities Fund (Category - Equity: Large & Midcap) The HDFC Growth Opportunities fund was launched on 18th February 1994 and has been a popular fund ever since. The fund is open-ended and treats the NIFTY Large Midcap 250 TRI as its benchmark.  In the one-year period ending on 9th April 2021, the fund has given trailing returns of 73.70%. As of 12th April 2021, the NAV of this fund is 141.2650 (Regular Growth). Key information Minimum InvestmentINR 5,000Minimum Additional Investment INR 1,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit Load1% for redemption within 365 days; Nil for redemption after 365 daysReturn Since Inception (18th February 1994):11.65% (as of 9th April 2021)AssetsINR 2,014 Crore (as of 31st March 2021)Expense Ratio2.54% (as of 28th February 2021) 5. HDFC Top 100 Fund (Category - Equity: Large Cap) The HDFC Top 100 fund was launched on 11th October 1996 and considers the NIFTY 100 TRI its benchmark. The fund invests primarily in large-cap stocks with huge growth potential.  In the one-year period ending on 9th April 2021, the fund has given trailing returns of 58.87%. As of 12th April 2021, the NAV of this fund is 551.9530 (Regular Growth). Key information Minimum InvestmentINR 5,000Minimum Additional Investment INR 1,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit Load1% for redemption within 365 days; Nil for redemption after 365 daysReturn Since Inception (11th October 1996):18.99% (as of 9th April 2021)AssetsINR 18,660 Crore (as of 31st March 2021)Expense Ratio1.85% (as of 28th February 2021) 6. HDFC Balanced Advantage Fund (Category - Hybrid: Dynamic Asset Allocation) If your investment horizon is five years or more, the HDFC Balanced Advantage Fund can be your best bet. The fund was launched on 1st February 2004, and it treats the NIFTY 50 Hybrid Composite Debt 65:35 as its benchmark.  In the one-year period ending on 9th April 2021, the fund has given trailing returns of 51.83%. As of 12th April 2021, the NAV of this fund is 227.9330 (Regular Growth). Key information Minimum Investment Minimum Additional Investment INR 1,000INR 5,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit LoadIf the units you wish to redeem are more than 15% of the total investment amount, a 1% exit load will be levied for redemption within 365 days; Nil for redemption after 365 daysReturn Since Inception (1st February 2004):17.87% (as of 9th April 2021)AssetsINR 39,784 Crore (as of 31st March 2021)Expense Ratio1.60% (as of 28th February 2021) 7. HDFC Hybrid Equity Fund (Category - Hybrid: Aggressive Hybrid) The HDFC Hybrid Equity Fund is open-ended and considers NIFTY 50 Hybrid Composite Debt 65:35 as its benchmark. It invests up to 65% of your investments in equities, whereas the remaining 35% is invested in bonds. The fund was launched on 11th September 2000. In the one-year period ending on 9th April 2021, the fund has given trailing returns of 54.29%. As of 12th April 2021, the NAV of this fund is 65.3500 (Regular Growth). Key information Minimum InvestmentINR 5,000Minimum Additional Investment INR 1,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit LoadIf the units you wish to redeem are more than 15% of the total investment amount, a 1% exit load will be levied for redemption within 365 days; Nil for redemption after 365 daysReturn Since Inception (11th September 2000):15.49% (as of 9th April 2021)AssetsINR 17,309 Crore (as of 31st March 2021)Expense Ratio1.79% (as of 28th February, 2021) 8. HDFC Dynamic PE Ratio Fund of Funds (Category - Hybrid: Multi Asset Allocation) The HDFC Dynamic PE Ratio Fund of funds is the best-performing fund in the 'Hybrid: MAA' category. The open-ended fund was launched on 6th February 2012 and considers the NIFTY 50 Hybrid Composite Debt 65:35 as its benchmark.  In the one-year period ending on 9th April 2021, the fund has given trailing returns of 43.35%. As of 12th April 2021, the NAV of this fund is 22.7714 (Regular Growth). Key information Minimum InvestmentINR 5,000Minimum Additional Investment INR 1,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit Load1% for redemption within 365 days; Nil for redemption after 365 daysReturn Since Inception (6th February, 2012):9.63% (as on 9th April, 2021)AssetsINR 20 Crore (as on 31st March, 2021)Expense Ratio1.00% (as on 28th February, 2021) 9. HDFC Equity Savings Fund (Category - Hybrid: Equity Savings) If you want to get the best of equity, bonds, and arbitrage opportunities, the HDFC Equity Savings fund is all you need. It is an open-ended scheme that was launched on 17th September 2004. This fund considers the NIFTY 50 Arbitrage TRI, NIFTY 50 TRI, and CRISIL Short-Term Bond TRI as its benchmark.  In the one-year period ending on 9th April 2021, the fund has given trailing returns of 27.88%. As of 12th April 2021, the NAV of this fund is 42.2360 (Regular Growth). Key information Minimum InvestmentINR 5,000Minimum Additional Investment INR 1,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit LoadIf the units you wish to redeem is more than 15% of the total investment amount, a 1% exit load will be levied for redemption within 365 days; Nil for redemption after 365 daysReturn Since Inception (17th September 2004):9.20% (as of 9th April 2021)AssetsINR 2,332 Crore (as of 31st March, 2021)Expense Ratio2.11% (as of 28th February 2021) 10. HDFC Hybrid Debt Fund (Category - Hybrid: Conservative Hybrid) The HDFC Hybrid Debt Fund is the top-performing fund in the conservative hybrid category. This fund invests no more than one-third of your investment amount in equities and no more than two-thirds of your investment amount in debt. The fund was launched on 26th December 2003 and considers the NIFTY 50 Hybrid Composite Debt 15:85 as its benchmark. In the one-year period ending on 9th April 2021, the fund has given trailing returns of 22.11%. As of 12th April 2021, the NAV of this fund is 53.6965 (Regular Growth). Key information Minimum InvestmentINR 5,000Minimum Additional Investment INR 1,000Minimum SIP InvestmentINR 500Minimum WithdrawalINR 500Exit LoadIf the units you wish to redeem is more than 15% of the total investment amount, a 1% exit load will be levied for redemption within 365 days; Nil for redemption after 365 daysReturn Since Inception (26th December 2003):10.27% (as of 9th April 2021)AssetsINR 2,434 Crore (as of 31st March 2021)Expense Ratio1.89% (as of 28th February 2021)(As of 02/04/2021) How can you invest in the HDFC mutual fund via EduFund? Investing in HDFC mutual funds via Edufund is a simple, six-step process.  Step 1 - Download the EduFund App from Google Play Store or Apple App Store and create an online account. Step 2 -  Select a Scheme - Browse a wide range of HDFC mutual fund schemes and choose the right scheme suiting your financial goals. You may invest in a Systematic Investment Plan (SIP) or a lump sum. The inbuilt recommendation engine suggests the best scheme for your financial objectives. Step 3 - View and Track Your Transaction(s) - The amount you have invested will reflect in your EduFund account within four working days. You can track the HDFC mutual fund NAV, account balance, statement, and other information in the app. Alternatively, you can purchase, redeem, or switch HDFC mutual fund units. Step 4 - Speak With a Mutual Fund Counsellor - You can connect with a mutual fund consultant to share your goals and get personalized advice.  EduFund uses top-class authentication and encryption technologies to ensure bank-like secured transactions and safeguard your investments.   Seven best-performing fund managers at HDFC mutual fund The fund manager plays a prominent role in driving value and generating growth. The following are the seven best-performing fund managers in HDFC AMC whose funds have consistently churned out the best returns.  1. Mr. Chirag Setalvad Mr. Chirag Setalvad is a senior fund manager in HDFC mutual fund. He joined the AMC in 2007. He has extensive experience in fund management, equity research, and investment banking. Mr. Setalvad manages top-performing HDFC mutual fund schemes like HDFC Small Cap Fund, HDFC Mid-Cap Opportunities Fund, HDFC Hybrid Equity Fund, and HDFC Long Term Advantage Fund.  2. Mr. Prashant Jain Mr. Prashant Jain holds the distinction of managing one fund, namely HDFC Balanced Advantage Fund, for more than 25 years. He joined HDFC AMC in 2003 as the Head of Equities, after gaining experience in SBI mutual fund and Zurich AMC. Besides the Balanced Advantage Fund, he also manages the HDFC Top 100 Fund and HDFC Flexi Cap Fund.  3. Mr. Krishan Kumar Daga A senior fund manager in HDFC AMC, Mr. Krishan Kumar Daga, has 28 years of equity research and fund management experience. He has worked with several financial conglomerates like Reliance Mutual Fund, B&K Securities, Reliance Capital, JP Morgan Securities, Deutsche Securities, and HSBC Securities. Mr. Daga manages HDFC Gold Exchange Traded Fund and HDFC Gold Fund.  4. Mr Shobhit Mehrotra  Mr. Shobhit Mehrotra is an experienced fund manager who manages over fifteen funds with a collective AuM of approximately 37,000 crores. Mr. Mehrotra has extensive experience in fixed-income markets and credit ratings. Before joining HDFC AMC, he was associated with ICRA Ltd. and Templeton Asset Management (India) Pvt. Ltd. Some popular funds managed by him include HDFC Income Fund, HDFC Medium Term Debt Fund, and HDFC Credit Risk Debt Fund.  5. Mr. Amit Ganatra Mr. Amit Ganatra joined HDFC AMC as a Senior Fund Manager in May 2020 after gaining considerable experience in Invesco AMC, DBS Chola AMC, Fidelity Investments, CMIE, and CIPLA. He manages funds like HDFC Capital Builder Value Fund, HDFC Taxsaver, etc.  6. Mr. Anil Bamboli Mr. Anil Bamboli is associated with HDFC AMC since 2003. He is a senior fund manager in the Fixed Income segment. His educational qualifications include B.Com. MMS Finance, CWA, and CFA. He has more than 24 years of experience in the fund management industry. Mr. Bamboli manages funds like HDFC Dynamic Debt Fund, HDFC Short Term Debt Fund, HDFC Gilt Fund, HDFC Overnight Fund, HDFC Banking, PSU Debt Fund, etc. The schemes managed by him have generated average returns between 8% and 12% in the financial year 2020-21.  7. Mr. Anupam Joshi Mr Anupam Joshi is an Associate Director of Investments in HDFC AMC. He has worked for over ten years in Portfolio Management & Dealing. He has served prominent institutions like Principal PNB Asset Management Company, ICAP India Private Ltd., and Asit C. Mehta Investment Intermediates Ltd. Mr. Joshi manages funds like HDFC Corporate Bond Fund, HDFC Low Duration Fund, HDFC Liquid Fund, etc.  Why should you invest in HDFC mutual funds?  HDFC AMC is the largest AMC in India. It offers more than one hundred funds to choose from. The AMC has a legacy of over twenty years and manages assets worth over INR 4.1 trillion. It has more than 65,000 impaneled distributors who offer its financial products to investors. The fund house has more than 200 branches in 200 Indian cities, which cater to all categories of investors.   Whatever your investment objective, you can get an HDFC mutual fund scheme to fulfill your financial goals. The experienced fund managers at HDFC mutual fund simplify stock market or secondary market investments easily for you. Select EduFund to invest in HDFC mutual fund EduFund makes the process of investing in HDFC mutual funds convenient. EduFund's experienced consultants give you customized solutions for all your financial goals. You can start investing from a lowly INR 5,000 and grow your capital comfortably. With EduFund, you get the following benefits: Customized Research-Based Financial Plan -  EduFund's scientific fund tracker screens over 1 lakh data points and 400 financial scenarios to recommend you the best mutual funds.  Customer-Friendly Counsellors Help You Create a Financial Plan - EduFund's counselors are trained to handle all kinds of queries from customers. They spend as much time with you as you need and resolve all your issues to help you create a robust financial plan. Invest Less, Earn More - Not only are the best Indian mutual funds, but EduFund also offers you the facility to invest in US Dollar ETFs and international mutual funds. Use Free Tools - EduFund offers various free tools for its customers, including College Savings Calculator, SIP calculator, etc.  No Technical Expertise Required - You do not need to be an expert in finance to understand which mutual fund is the best for you. EduFund does it for you. Value-Added Benefits - You may get value-added benefits like no commission, free advisory, and nil-hidden charges. Secure Transactions - EduFund is RIA-registered and uses top-class 128-SSL security to enable safe transactions. Special Support for Children's Education - EduFund has a dedicated team of experts who help you fulfill your children's educational goals.  FAQs What is the HDFC AMC? HDFC Asset Management Company, also called HDFC AMC, is one of India's largest and most profitable mutual fund houses. The company is a part of the Housing Development Finance Corporation or HDFC Group, a financial conglomerate with established businesses in housing finance, asset management, life and non-life insurance, education finance, and real estate funds. Which mutual fund is best in HDFC? HDFC Small Cap Fund (Category – Equity: Small Cap) HDFC Mid-Cap Opportunities Fund (Category – Equity: Mid Cap) HDFC Retirement Savings Fund Equity Plan (Equity: Flexi Cap) HDFC Growth Opportunities Fund (Category – Equity: Large & Midcap) HDFC Top 100 Fund (Category – Equity: Large Cap) Why should you invest in HDFC mutual funds? HDFC AMC is the largest AMC in India. It offers more than one hundred funds to choose from. The AMC has a legacy of over twenty years and manages assets worth over INR 4.1 trillion.