#GrowwMF #MultiAssetFund #GrowwMutualFund #NFO #InvestSmart #PortfolioDiversification #MutualFundsIndia #EquityFunds #DebtFunds #GoldInvestment #SilverInvestment #AssetAllocation
Mumbai – Groww Mutual Fund has announced the launch of its latest offering, the Groww Multi Asset Allocation Fund, an open-ended scheme designed to provide investors with diversified exposure across equity, debt, gold, and silver. The New Fund Offer (NFO) opened for subscription on September 10 and will remain open until September 24, 2025.
This marks another significant step for Groww MF in expanding its portfolio of innovative investment solutions aimed at delivering long-term risk-adjusted returns to retail investors.
A Multi-Asset Approach to Balanced Investing
The Groww Multi Asset Allocation Fund adopts a multi-asset framework to create a diversified portfolio, combining different asset classes to reduce volatility and adapt to dynamic market conditions.
The scheme is structured to maintain gross equity exposure above 65%, ensuring it qualifies for equity taxation benefits, while strategically allocating the remainder to fixed income instruments (debt) and commodities (gold and silver).
Groww Mutual Fund highlighted that this strategy seeks to balance the growth potential of equities with the stability of debt and the safe-haven qualities of precious metals, thereby offering investors a holistic and risk-mitigated investment solution.
SHAASTRA: Groww’s Proprietary Allocation Framework
One of the standout features of the new fund is its reliance on SHAASTRA (Strategic Holistic Asset Allocation and Systematic Technical Risk Assessment), Groww MF’s proprietary platform.
According to the AMC, SHAASTRA integrates macroeconomic indicators, market trends, and technical signals to help fund managers dynamically adjust portfolio allocation. This data-driven and rule-based approach ensures that the scheme remains responsive to market fluctuations, enhancing the potential to deliver consistent performance across cycles.
Key Fund Details
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Fund Name: Groww Multi Asset Allocation Fund
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Fund Type: Open-ended Multi-Asset Allocation Scheme
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NFO Period: September 10 – September 24, 2025
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Benchmark Index: Blended Index comprising
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Nifty 500 TRI (60%)
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CRISIL Composite Bond Fund Index (30%)
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Gold INR (5%)
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Silver INR (5%)
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Minimum Investment: ₹500 (lumpsum)
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SIP Investment: ₹100 (minimum)
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Exit Load: 1% if redeemed within 30 days; no exit load thereafter
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Fund Managers: Paras Matalia, Kaustubh Sule, and Wilfred Gonsalves
The scheme will be available in Direct and Regular Plans, with Growth and IDCW options to cater to varied investor needs.
Why Multi-Asset Funds Are Gaining Traction
Industry experts note that multi-asset allocation funds have been gaining popularity among Indian investors in recent years. In an uncertain global economic environment marked by inflationary pressures, interest rate fluctuations, and commodity volatility, these funds offer a structured way to diversify and hedge risks without requiring investors to actively rebalance their portfolios across multiple products.
The inclusion of gold and silver is particularly relevant, as both commodities have historically acted as hedges during times of equity market stress. Debt allocation, on the other hand, provides income stability, while equities continue to be the long-term growth driver.
What Groww MF Says
Announcing the launch, Groww Mutual Fund stated:
“The Groww Multi Asset Allocation Fund is crafted for investors seeking a simple yet effective way to gain exposure to multiple asset classes through one portfolio. With equity as the growth driver, debt for stability, and gold and silver for diversification, the scheme provides a balanced framework to navigate different market conditions. By leveraging SHAASTRA, our proprietary asset allocation platform, we aim to deliver consistent long-term performance.”
The fund house emphasised that the scheme is suitable for investors with a moderate-to-high risk appetite who wish to invest for the medium to long term, ideally with an investment horizon of three years or more.
Expert Views
Market analysts welcomed the launch, noting that Groww MF is targeting a segment of investors who are increasingly seeking simplified, tax-efficient, and diversified investment products.
A senior wealth advisor commented:
“Multi-asset funds offer the benefit of professional allocation across asset classes, reducing the burden on retail investors to track multiple instruments. Groww’s strategy of keeping equity allocation above 65% for taxation benefits while adding commodities like silver gives this fund a unique edge in the category.”
Conclusion
With the Groww Multi Asset Allocation Fund, Groww MF has entered the growing space of multi-asset schemes, aligning its strategy with evolving investor needs in a volatile yet opportunity-rich market.
By combining data-driven allocation (via SHAASTRA) with the classic principles of diversification, the fund positions itself as a convenient option for investors looking to balance growth, stability, and hedging in one package.
The NFO period, open until September 24, 2025, gives investors the opportunity to enter at the ground level of this new diversified offering.
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