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Sahara Mutual Fund was founded in accordance with the Indian Trust Act of 1982. It is a trust which came into existence by sponsorship from Sahara Indian Financial Corporation Ltd along with other investors. Sahara Mutual Fund is an investment firm with primary objectives of educating investors by offering professional expertise in self-management of mutual fund investments. Sahara Mutual Fund offers a number of portfolios with an aim to reduce the investment risk by focusing on higher risk-adjusted returns.

It offers a wide range of mutual fund options so as to meet the different requirements of individual investors. It has a range of customisable mutual funds to choose from. It is one of the best options to invest money in and grow the savings of investors. It is a one-stop shop for investors who are looking for tailor-made investment avenues especially in equity and debt plans.


Sahara Mutual Fund offers multiple benefits and salient features via its mutual fund options. It is one of the most preferred mutual fund options because of its comprehensive features. Some of the features of Sahara Mutual Fund are as below –

  • Excellent customer service facilities with best in class investment products
  • Team of skilled professionals and expert investment advisors who carry vast experience in the investment field. It offers investment advice to all its investors
  • Diversified investment portfolio with low risks
  • Consistent performance in the long-run
  • Array of schemes to choose from, depending on suitability, affordability, and investment requirement
  • Immense flexibility to systematically invest and withdraw at any point. It offers regular withdrawal option as well as dividend reinvestment option
  • Liquidity via open-ended schemes. Investors can receive their investment value at the prevailing NAV
  • Tax-saving schemes which allow investors to plan income tax benefits and income tax exemptions

Equity Funds

Popularly known as Growth schemes, equity schemes are largely preferred by investors who have a medium to high risk appetite. Majority of the funds in equity schemes are invested in equity and equity related securities, thereby allowing the scheme to earn higher returns in the long-run. These schemes are ideal for investors who are comfortable with an investment for long time horizon.

Sahara Tax Gain Fund – ELSS

Description This is an open-ended equity-ELSS Scheme. The Scheme is available under Dividend and Growth Option. The Scheme is equity-oriented scheme where the investments are predominantly in equity linked securities (more than 80%) and thus suitable for long term capital growth.
ObjectiveThe basic objective of the Scheme is to provide immediate tax relief and long-term capital gains to investors. The Scheme is benchmarked against S&P BSE 200.
Date of AllotmentApril 1, 1997
BenchmarkS&P BSE 200
Type of SchemeOpen ended equity scheme suitable for investors seeking:

Long Term Capital Growth

Moderately High Risk

Investment in Equity & equity related securities including equity derivatives

Minimum InvestmentRs. 500 and in multiples of Rs. 500 thereafter
Entry LoadNil
Exit Load1%- if redeemed on or before 36 months, Nil –If redeemed after 36 months.
SIPMonthly - ECS / Auto Debit Facility of minimum Rs.500/- (and in multiples of Rs.500/- thereafter) or along with 6 post-dated cheques.

Quarterly - ECS / Auto Debit Facility of minimum Rs.500/- (and in multiples of Rs.500/- thereafter) or along with 4 post-dated cheques.

Investment OptionDividend option

Growth option

Sahara Growth Fund

DescriptionThis scheme is suitable for investors who are seeking *

• Long Term Capital Growth;

• Investment in Equity & equity related securities including equity derivatives.

• Moderately High Risk

ObjectiveThe investment objective of the Scheme is to achieve capital appreciation by investing in equity and equity-related instruments.
Date of AllotmentAugust 30, 2002
BenchmarkNifty 50
Type of SchemeOpen ended equity scheme investing in equity and equity related securities
Minimum InvestmentRs. 3000 and in multiples of Re 1 thereafter
Entry LoadNil
Exit Load1% -if redeemed on or before 12 months, NIL- if redeemed after 12 months from the date of allotment. ‘Direct Option’ – NIL
SIPMonthly - ECS / Auto Debit Mandate of initial cheque of Rs.1000/- along with 5 post-dated cheques of minimum of Rs.1000/- each. Quarterly - ECS / Auto Debit Mandate of initial cheque of Rs.2000/- along with 3 post-dated cheques of minimum of Rs.2000/- each.

Sahara Wealth Plus Fund

DescriptionOpen ended equity scheme with focus on:

• Long Term Capital Growth;

• Investment in Equity & equity related securities including equity derivatives.

• Moderately High Risk

ObjectiveThe primary objective of the scheme would be to invest in equity and equity related instruments of companies that would be wealth builders in the long term.
Date of AllotmentSeptember 1, 2005
BenchmarkNifty 500
Type of SchemeOpen ended equity scheme with focus on investments in equity and equity instruments.
Minimum InvestmentRs. 1000 and additional Rs. 500 and in multiples of Re 1 thereafter
Entry LoadNil
Exit Load1% - if redeemed on or before 12 months, NIL- If redeemed after 12 months from the date of allotment ‘Direct Option’ – NIL
SIPMonthly - ECS / Auto Debit Mandate of Initial cheque of Rs.1000/- along with 5 post-dated cheques of minimum of Rs.1000/- each. Quarterly - ECS / Auto Debit Mandate of initial cheque of Rs.2000/- along with 3 post-dated cheques of minimum of Rs.2000/- each.

Sahara Infrastructure Fund

DescriptionOpen-ended equity scheme suitable for investors seeking:

• Long Term Capital Growth;

• Investment in Equity & equity related securities including equity derivatives, predominantly in the infrastructure sector.

• High Risk

ObjectiveThe investment objective is to provide income distribution and / or medium to long term capital gains by investing in equity / equity related instrument of companies mainly in the infrastructure sector.
Date of AllotmentApril 3, 2006
BenchmarkNifty 50
Type of SchemeOpen Ended equity scheme with focus on equity and equity instruments within the infrastructure sector.
Minimum InvestmentRs.1000/- under growth option and Rs.5000/- under Dividend option and additional amount in multiples of Re.1/-.
Entry LoadNil
Exit Load1%- if redeemed on or before 12 months, Nil- If redeemed after 12 months from the date of allotment. ‘Direct Option’ – NIL
SIPMonthly - ECS / Auto Debit Mandate of initial cheque of Rs.1000/- along with 5 post-dated cheques of minimum of Rs.1000/- each.

Quarterly - ECS / Auto Debit Mandate of initial cheque of Rs.2000/- along with 3 post-dated cheques of minimum of Rs.2000/- each.

Investment OptionsVariable Pricing Option-Dividend Option – Payout

Variable Pricing Option-Dividend Option – Reinvestment option

Variable Pricing Option – Growth Option

Sahara Midcap Fund

DescriptionOpen-ended growth Fund with an objective to achieve long term capital growth at medium level of risks by investing primarily in mid–cap stocks.
ObjectiveThe primary objective of this fund is to offer long-term capital growth to investors. To achieve this objective, the fund focuses on investment in equity and equity related securities.
Date of AllotmentDecember 31, 2004
BenchmarkNifty Midcap
Type of SchemeOpen-ended that is suitable for investors with medium to high risk appetite.
Minimum InvestmentRs.1000/- & additional amount of Rs.500/- and multiples of Re.1/-
Entry LoadNil
Exit Load1% if redeemed on or before 12 months, NIL If redeemed after 12 months from the date of allotment. ‘Direct Option’ – NIL
SIPMonthly - ECS / Auto Debit Mandate of initial cheque of Rs.1000/- along with 5 post-dated cheques for minimum Rs.1000/- each. Quarterly - ECS / Auto Debit Mandate of initial cheque of Rs.2000/- along with 3 post-dated cheques for minimum Rs.2000/- each.
Investment OptionsDividend option – payout

Dividend option – Reinvestment option

Growth option

Dividend option – payout

Dividend option – Reinvestment option

Sahara Banking & Financial Services Fund

DescriptionOpen ended scheme which invests primarily in the banking sector and offers following to investors:

• Long Term Capital Growth;

• Investment in Equity & equity related securities including equity derivatives, in the Banking & Financial Services sector.

• High Risk

ObjectiveThe investment objective is to provide long term capital appreciation through investment in equities and equity related securities of companies whose business comprise of Banking / Financial services, either whole or in part.
Date of AllotmentSeptember 16, 2008
BenchmarkCNX Bank Index (Bank Nifty)
Type of SchemeOpen ended scheme with investment focus in banking sector related equity and equity instruments.
Minimum InvestmentRs. 5000 and in multiples of Re 1 thereafter
Entry LoadNil
Exit Load1% if redeemed on or before 12 months from the date of allotment, beyond 12 months: Nil. ‘Direct Option’ – NIL
SIPMonthly - ECS / Auto Debit Mandate of initial cheque of Rs.1000/- along with 5 post-dated cheques of minimum of Rs.1000/- each.

Quarterly - ECS / Auto Debit Mandate of initial cheque of Rs.2000/- along with 3 post-dated cheques of minimum of Rs.2000/- each.

Investment OptionsDividend option – payout

Dividend option – reinvestment option

Growth option

Dividend option – Direct – payout

Dividend Option – Direct – reinvestment option

Growth option – Direct

Sahara Power & Natural Resources Fund

DescriptionThis fund primarily aims to generate long term capital appreciation through investment in equities and equity related securities of companies engaged in the business of generation, transmission, distribution of Power or in those companies that are engaged directly or indirectly in any activity associated with the power sector or principally engaged in discovery, development, production, processing or distribution of natural resources.
ObjectiveThe objective of this fund is to offer the following benefits to investors:

• Long Term Capital Growth;

• Investment in Equity & equity related securities including equity derivatives in the power & natural resources sector.

• High Risk

Date of AllotmentJune 17, 2008
BenchmarkNifty 50
Type of SchemeOpen ended scheme with investment focus in power and natural resources related equity and equity securities.
Minimum InvestmentRs. 5000 and in multiples of Re 1 thereafter
Entry LoadNil
Exit Load1% if redeemed or switched out on or before completion of 1 year from the date of allotment of units. Nil, thereafter.
SIPMonthly - ECS / Auto Debit Mandate of initial cheque Rs.1000/- along with 5 post-dated cheques of minimum of Rs.1000/- each.

Quarterly - ECS / Auto Debit Mandate of initial cheque of Rs.2000/- along with 3 post-dated cheques of minimum of Rs.2000/- each.

Investment OptionDividend option – payout

Dividend option – reinvestment option

Growth option

Dividend option – Direct – payout

Dividend Option – Direct – reinvestment option

Growth option – Direct

Sahara R.E.A.L Fund

DescriptionOpen-ended equity scheme which offers long term capital gains by investing predominantly in equity / equity related instrument of companies in the Retailing, Entertainment & Media, Auto & auto ancillaries and Logistics sector.
ObjectiveThe main objective is to offer following to investors:

• Long Term Capital Growth;

• Investment in Equity & equity related securities including equity derivatives, in the Retailing, Entertainment & Media, Auto & auto ancillaries and Logistics sector.

• High Risk

Date of AllotmentNovember 27, 2007
BenchmarkNifty 50
Type of SchemeOpen-ended equity scheme with focus in retailing, entertainment, media, auto, and logistics sectors.
Minimum InvestmentRs. 5000 and in multiples of Re 1 thereafter
Entry LoadNil
Exit Load1% if redeemed or switched out on or before completion of 1 year from the date of allotment of units. Nil, thereafter.
SIPMonthly - ECS / Auto Debit Mandate of initial cheque of Rs.1000/- along with 5 post-dated cheques of minimum of Rs.1000/- each

Quarterly - ECS / Auto Debit Mandate of initial cheque of Rs.2000/- along with 3 post-dated cheques of minimum of Rs.2000/- each

Investment OptionDividend option – payout

Dividend option – reinvestment option

Growth option

Dividend option – Direct – payout

Dividend Option – Direct – reinvestment option

Growth option – Direct

Sahara Super 20 Fund

DescriptionOpen-ended equity scheme with an investment objective to provide long term capital appreciation by investing predominantly in equity / equity related instruments of select companies based on value parameters.
ObjectiveThe main investment objective of this scheme is to offer following to investors:

• Long Term Capital Growth;

• Investment in Equity & equity related securities including equity derivatives.

• Moderately High Risk

Date of AllotmentSeptember 14, 2009
BenchmarkS&P BSE 200
Type of SchemeOpen ended equity scheme which has focus on investment in select companies that are selected basis value parameters.
Minimum InvestmentRs. 5000 and in multiples of Re 1 thereafter
Entry LoadNil
Exit Load1% if redeemed or switched out on or before completion of 1 year from the date of allotment of units. Nil, thereafter.
SIPMonthly - ECS / Auto Debit Mandate of initial cheque of Rs.1000/- along with 5 post-dated cheques of minimum of Rs.1000/- each. Quarterly - ECS / Auto Debit Mandate of initial cheque of Rs.2000/- along with 3 post-dated cheques of minimum of Rs.2000/- each.

Debt Funds

Debt-oriented schemes are referred to as Income schemes. Since these schemes invest primarily in debt securities such as bonds, debentures, government securities, returns offered are more stable than those of equity-oriented schemes. It is for this very reason that debt-oriented schemes are preferred by low and medium-risk investors such as retired persons who are unwilling to invest in high-risk equity and such instruments.

While debt-oriented schemes are more stable than equities, they tend to fluctuate more than money market schemes and are subject to a higher credit risk than gilt funds, which mainly invest in government debt. Here are a few debt funds from Sahara Mutual Fund.

Sahara Income Fund

Description Open-ended dynamic debt scheme which invests primarily in dynamic corporate as well as government debt securities.
ObjectiveThe primary objective of the scheme is to generate income by investing in a portfolio of corporate and sovereign debt instruments and at the same time provide continuous liquidity along with reasonable safety.
Date of AllotmentFebruary 21, 2002
BenchmarkCRISIL Composite Bond Index
Type of SchemeOpen-ended dynamic debt scheme meant for investors who are seeking:

• regular income/capital appreciation in short, medium and long term

• investment in Money Market Instruments, Corporate Debt & Govt. Securities.

• Moderately Low Risk

Minimum InvestmentRs.3000/- and additional Rs.1000/- and in multiples of Re.1/- thereafter.
Entry LoadNil
Exit LoadNil
SIPMonthly - ECS / Auto Debit Mandate of 6 post-dated cheques for minimum of Rs.500/- each. Quarterly - ECS / Auto Debit Mandate of 4 post-dated cheques for minimum of Rs.750/- each.
Investment OptionsDividend option – Payout

Dividend option – Reinvestment option

Growth option

Dividend option direct – Payout

Dividend option direct – Reinvestment option

Growth option – direct

Sahara Classic Fund

DescriptionAn open-ended medium-term debt scheme that invests primarily in debt and debt-related instruments including money market instruments. It also focuses a portion of the investment in equity and related instruments.
ObjectiveThe investment objective of the scheme is to generate returns by investing mainly in debt and debt related instruments including money market instruments and also to invest a portion of the funds in equity and equity related instruments to seek capital appreciation.
Date of AllotmentFebruary 1, 2008
BenchmarkCRISIL MIP Blended Index
Type of SchemeOpen ended debt scheme investing in instruments for a 3-4 year time horizon, primarily in debt and money market instruments.
Minimum InvestmentGrowth Option: Rs.1000/- and additional investments in multiples of Rs. 1000/-. Dividend Option: Rs.5000/- and additional investments in multiples of Rs. 1000/-
Entry LoadNil
Exit LoadNil
SIPMonthly - ECS / Auto Debit Mandate of 6 post-dated cheques of minimum of Rs.1000/- each. Quarterly - ECS / Auto Debit Mandate of 4 post-dated cheques of minimum of Rs.2000/- each.
Investment OptionsDividend option – Payout

Dividend option – Reinvestment option

Growth option

Dividend option direct – Payout

Dividend option direct – Reinvestment option

Growth option – direct

Sahara Liquid Fund

DescriptionAn open-ended debt scheme that primarily invests in good quality Debt instruments which offer high liquidity and better returns.
ObjectiveThe investment objective is to create a highly liquid portfolio of good quality debt as well as money market instruments with a view to provide high liquidity and reasonable returns to the unit holders, while at all times emphasizing the importance of capital preservation.
Date of AllotmentFebruary 19, 2012
BenchmarkCRISIL Liquid Fund Index
Type of SchemeOpen-ended debt fund with portfolio duration of 2-3 years. It employs strategy to capture opportunity on quality debt instruments to offer better returns to investors. It is suitable for investors who are looking for:

• regular income generation in short term to medium term

• highly liquid portfolio of money market debt instruments

• Low Risk

Minimum InvestmentRs. 1000 and in multiples of Re 1 thereafter
Entry LoadNil
Exit LoadNil
SIPMonthly - ECS / Auto Debit Mandate of 5 post-dated cheques for a minimum of Rs.1000/- each Quarterly - ECS / Auto Debit Mandate of 4 post-dated cheques for a minimum of Rs.2500/- each
Investment OptionVariable Pricing Option - Daily Dividend Option (RI)

Variable Pricing Option - Weekly Dividend Option (RI)

Variable Pricing Option - Monthly Dividend Option (RI)

Variable Pricing Option – Growth Option

Variable Pricing Option-Direct - Daily Dividend Option

Variable Pricing Option-Direct - Weekly Dividend Option

Variable Pricing Option-Direct - Monthly Dividend Option

Variable Pricing Option - Growth Option – Direct

Fixed Pricing Option - Daily Dividend Option

Fixed Pricing Option - Weekly Dividend Option

Fixed Pricing Option - Monthly Dividend Option

Fixed Pricing Option - Growth Option

Fixed Pricing Option-Direct - Daily Dividend Option

Fixed Pricing Option-Direct - Weekly Dividend Option

Fixed Pricing Option-Direct - Monthly Dividend Option

Fixed Pricing Option - Growth Option – Direct

Sahara Interval Fund (Quarterly Plan-Series 1)

Description Open-ended debt scheme which primarily invests in debt and money market instruments. It offers liquidity at periodic intervals.
ObjectiveThe investment objective is to generate returns with low volatility through a portfolio of debt and money market instruments with a provision to offer liquidity at periodic intervals.
Date of AllotmentOctober 3, 2008
BenchmarkCRISIL Liquid Fund Index
Type of SchemeOpen-ended debt scheme that offers following to investors:

• to generate reasonable return at periodic intervals in short, medium term

• investment in Debt/Money Market Instruments/Govt. Securities.

• Low Risk

Minimum InvestmentRs. 5000 and in multiples of Re 1 thereafter
Entry LoadNil
Exit LoadNIL: if redeemed during the “Specified Transaction Period”. 1% if redeemed other than during the “Specified Transaction Period”.
Special Transaction PeriodThe “Specified Transaction Period” is the interval offer period that is for a minimum of one (1) business day and a maximum of five (5) business days. The “Specified Transaction Period” is in the months of March, June, September and December each year. The “Specified Transaction Period” is generally in between 12th and 16th days of the above stated months.
Investment OptionsDividend option

Growth option

Sahara Gilt Fund

DescriptionOpen ended dedicated gilt scheme investing in government securities, signifying almost no risk of default in principal or interest amounts on the investments made by the scheme.
ObjectiveMain objective is to offer following to investors:

• regular income generation/capital appreciation for short, medium and long term

• investment in Government Securities and government guaranteed debt securities / T - bills / Overnight money market instruments

• Moderately Low Risk

Date of AllotmentFebruary 21, 2002
BenchmarkI-Sec Composite Gilt Index
Type of SchemeOpen-ended scheme with primary focus on government securities with very low risk of investment.
Minimum InvestmentRs.5000/- and additional amount of Rs.1000/- and in multiples of Re.1/- thereafter
Entry LoadNil
Exit LoadNil
SIPMonthly - 5 post-dated cheques for minimum of Rs.1000/- each Quarterly - 4 post-dated cheques for a minimum of Rs.1250/- each
Investment OptionDividend Option - Payout

Dividend Option – Reinvestment option

Growth Option

Dividend Option – Direct – Payout

Dividend Option – Direct – Reinvestment option

Growth Option - Direct

Sahara Short Term Bond Fund

Description Open ended scheme with major investment focus in debt securities and money market instruments.
ObjectiveThe investment objective of this scheme is to generate optimal returns consistent with moderate levels of risk and liquidity by investing in debt securities and money market securities.
Date of AllotmentApril 13, 2009
BenchmarkCRISIL LIQUIFEX
Type of SchemeOpen-ended scheme which offers following to investors

• regular fixed income for short term to medium term

• investment in Debt/Money Market Instruments.

• Moderately Low Risk

Minimum InvestmentRs.5000/- and in multiples of Re.1/- thereafter
Entry LoadNil
Exit LoadNil
SIPMonthly - 5 post-dated cheques for minimum of Rs.2000/- each Quarterly - 4 post-dated cheques for a minimum of Rs.2500/- each
Investment OptionDividend Option – Reinvestment option

Growth Option

Dividend Option – Direct – Reinvestment option

Growth Option - Direct


Sahara Mutual Fund offers numerous features and multiple benefits via its different scheme options. Because of its comprehensive features, it is a preferred choice among many investors. Here are some of the key reasons of investing in Sahara Mutual Fund:

  • It offers exceptional customer service facility and unique investment products. It has a team of skilled professionals and expert investment advisors who carry a rich experience in the field of investment. They offer constant guidance to investors to empower them in making the right investment decisions.
  • It has a diversified investment portfolio and thereby offer low-risk investment avenues to investors.
  • Investors can experience consistent performance over a long period.
  • Investors have the option of selecting from multiple scheme options depending on their requirements, suitability, and affordability.
  • Investors have the flexibility to systematically invest in funds and withdraw at any point of time. It offers regular withdrawal option and also dividend reinvestment option.
  • Open-ended plans offer liquidity and investors can receive their money back at the prevailing NAV.

  • Application form
  • PAN Card
  • KYC Individual form
  • Proof of Identity – Aadhaar, Voter’s ID, Passport, Driving License
  • Address Proof – Driving Licence, Passport, Voters ID, Ration Card, Registered Leave/Sale of Agreement Residence, Latest Bank Account Statement/passbook, Latest Electricity/Gas Bill
  • Cheque for SIP

How to invest in Sahara Mutual Fund?

Sahara Mutual Fund offers a very hassle-free mode of investment in mutual fund schemes. The schemes are designed to meet specific requirements of investors and also keeping in mind their financial goals. Here is how one can invest in any of the Sahara Mutual Fund Schemes:

  • Go to the official website of Sahara Mutual Fund
  • Select the fund that best suits your requirement
  • Fill in the information required, including some personal details
  • You then need to make a payment towards the scheme as per the guidelines
  • The payment process is absolutely safe and user-friendly. Once payment is made, the portfolio is available for review and monitoring

Here are some of the other alternatives of investment:

  • Stock Exchange platform
  • Customer care number
  • Certified Agent


Ease of Investment: One of the primary reasons why more people choose to invest in mutual funds is the ease of investment that it offers. The funds invest in various avenues or financial tools which can generate attractive returns. The investor does not have to worry about his money because it is safeguarded against any volatility by the fund administration.

Management: Professional fund managers look after the investment of the fund’s money into various instruments. This means, the investor can invest without worrying about all the analysis and research required before allocating money in a specific instrument. Investors thereby get access to professionally managed portfolios at much cheaper costs as compared to what they would have to pay to do so individually. The investments are across multiple segments thereby giving investors a balanced and diversified portfolio to invest in.

Diversification: A fund manager evaluates a series of investment instruments available in the market before choosing a few of them. An individual portfolio can comprise of a combination of different instruments, thus allowing investors to have a diversified portfolio. A diversified portfolio ensures that investors money is not over-exposed to any specific sector.

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