For many investors, the biggest challenge in mutual fund investing is not starting, but staying consistent, tracking performance, and managing costs efficiently. This is where the Paytm Money platform for mutual fund investing stands out.
- A Smarter Way to Invest in Mutual Funds on Paytm Money
- Understanding Daily SIPs on Paytm Money
- What Is a Daily SIP?
- Why Daily SIPs Are Gaining Popularity
- Zero Commission Direct Mutual Funds
- Charges on Paytm Money Direct Mutual Funds
- SIP Baskets: Simplifying Goal-Based Investing
- What Is a SIP Basket?
- How SIP Baskets Help Investors
- Paytm Money SIP Baskets Overview
- Portfolio Analysis Tool on Paytm Money
- What Is Portfolio Analysis?
- Key Benefits of Portfolio Analysis
- Features of Portfolio Analysis on the Platform
- Track External Mutual Funds on Paytm Money
- Why Tracking External Funds Is Useful
- How to Track External Mutual Funds
- Advanced Insights for External Mutual Funds
- Conclusion
- FAQs
Paytm Money is an investment platform that provides access to a wide range of mutual funds along with smart tools designed to simplify decision-making. Paytm Money offers a structured and user-friendly investing experience designed to support long-term wealth creation goals that are transparent, flexible, and promote long-term wealth creation without hidden charges or complex processes.
From daily SIPs and zero-commission direct plans to SIP Baskets, advanced portfolio analysis, and the ability to track external mutual funds, the platform combines multiple powerful features in one place.
This article explains what makes the Paytm Money mutual fund platform different and why it is becoming a preferred choice for long-term investors.
A Smarter Way to Invest in Mutual Funds on Paytm Money
Paytm Money focuses on making mutual fund investing cost-efficient, accessible, and data-driven. Investors can choose from a wide selection of direct mutual fund plans while using built-in tools to plan, monitor, and optimise their investments.
Key Highlights Include:
- Zero commission on direct mutual funds
- Daily SIP investment option
- Expert-designed SIP Baskets
- Advanced portfolio analysis tool
- Track external mutual funds from other platforms
Each feature addresses a real investor need, whether it is reducing cost leakage, improving clarity, or strengthening diversification.
Understanding Daily SIPs on Paytm Money
What Is a Daily SIP?
A daily SIP allows investors to invest a fixed amount into a mutual fund every trading day. Since Indian markets operate for roughly 250 trading days in a year, daily SIPs divide a monthly investment into smaller, more frequent contributions.
Instead of investing once a month, your money is deployed gradually across multiple market levels, enabling more granular rupee cost averaging.
Why Daily SIPs Are Gaining Popularity
Market prices fluctuate every day. A daily SIP captures these price movements more consistently. If markets dip mid-month and recover later, a daily SIP may capture lower price points that a single monthly SIP could miss.
This structure may benefit investors who prefer smoother averaging and disciplined investing without attempting to time the market. Daily SIPs can be suitable for freelancers and gig workers, small business owners, investors with daily or irregular income, and micro-investors starting with small amounts.
Zero Commission Direct Mutual Funds
One of the strongest advantages of investing through the Paytm Money platform is access to zero-commission direct mutual fund plans.
Charges on Paytm Money Direct Mutual Funds
| Charges | Rate (Excluding GST) |
|---|---|
| Account Opening | ₹0 |
| Brokerage Charges | ₹0 |
| Commission | 0 percent |
| Transaction Fees | ₹0 |
Direct mutual funds carry lower expense ratios compared to regular plans. Over long investment horizons, this difference can significantly enhance returns through compounding. By offering direct plans without commission, Paytm Money helps investors retain more of their potential returns.
SIP Baskets: Simplifying Goal-Based Investing
What Is a SIP Basket?
A SIP Basket is a curated portfolio structure available on the platform that groups multiple mutual funds into a single goal-oriented investment strategy. Investors invest through one SIP instruction, and the amount is automatically allocated across selected funds in predefined proportions. This simplifies portfolio construction and ongoing management.
How SIP Baskets Help Investors
SIP Baskets offer:
- Automatic diversification across funds
- Alignment with specific risk profiles and financial goals
- Reduced emotional decision-making
- A single SIP mandate for multiple funds
These baskets can suit both beginners and experienced investors seeking structured allocation.
Paytm Money SIP Baskets Overview
| Basket Name | Investment Objective | Risk Profile | 3-Year Returns |
|---|---|---|---|
| Core Compounding | Long-term steady wealth | Moderate to High | 21.42 percent per-year |
| High Growth Accelerator | Aggressive capital growth | High | 27.10 percent per-year |
| Stability Plus | Stable income and safety | Low to Moderate | 11.42 percent per-year |
| Crorepati – 10 | Build ₹1 crore in ten years | High | 30.21 percent per-year |
| Global and Metals Diversifier | Global equity with gold | Moderate | 13.19 percent per-year |
(Note: Returns are as of January 22, 2026. Past performance does not guarantee future results.)
Portfolio Analysis Tool on Paytm Money
What Is Portfolio Analysis?
Portfolio analysis evaluates how your investments are performing, how risks are distributed, and whether your allocation aligns with your goals. Regular reviews help investors avoid concentration risk and portfolio drift.
Key Benefits of Portfolio Analysis
- Clear visibility into returns and performance
- Asset allocation tracking
- Risk and diversification assessment
- Expense awareness
- Support for periodic portfolio reviews
Features of Portfolio Analysis on the Platform
Unified Portfolio View
The platform provides a consolidated dashboard displaying:
- Total portfolio value
- Allocation across fund houses
- Absolute and percentage returns
Analysis by AMC and Fund Type
Investors can review portfolios:
- By AMC to assess concentration
- By fund category such as equity, hybrid, or tax saver
Asset Allocation Breakdown
| Asset Class | Purpose |
|---|---|
| Equity | Long-term growth |
| Debt | Stability and income |
| Cash and equivalents | Liquidity |
| Gold | Inflation hedge |
| International equity | Global diversification |
| REITs | Commercial real estate exposure |
| Commodities | Inflation protection |
Track External Mutual Funds on Paytm Money
Many investors hold mutual funds across multiple platforms. Monitoring them separately can lead to fragmented tracking.
Why Tracking External Funds Is Useful
- Monitor total portfolio performance in one place
- Compare returns across investments
- Stay aligned with long-term financial goals
How to Track External Mutual Funds
- Open the Paytm Money app
- Go to the Mutual Funds section
- Select Track External Funds
- Refresh external fund data
- Verify using OTP
Once verified, external funds appear within the unified dashboard with updated values and return metrics.
Advanced Insights for External Mutual Funds
Investors can view:
- Total portfolio value
- One-day gains or losses
- XIRR-based annualised returns
- Asset allocation and sector exposure
- Top holdings across funds
- Complete transaction history
External holdings are clearly labelled to ensure transparency and organised tracking.
Conclusion
What differentiates the Paytm Money mutual fund platform is its combination of wide fund access and integrated investing tools. By offering zero-commission direct plans, flexible SIP options, curated baskets, and a unified portfolio view, the platform empowers investors to manage their mutual fund investments with clarity and control.
Whether you are just beginning your investment journey or actively managing a diversified portfolio, Paytm Money provides the tools and structure to help you invest more efficiently and confidently.
Ready to simplify your mutual fund investing experience? Explore the platform and put your financial goals into action.
Disclaimer: Investment in the securities market is subject to market risks. Read all the related documents carefully before investing. This content is purely for information purpose only and in no way is to be considered as an advice or recommendation. The securities are quoted as an example and not as a recommendation. Investors are requested to do their own due diligence before investing.
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