You log in to your investing app, determined to pick a mutual fund. The list scrolls endlessly: large cap , mid cap , flexi cap , hybrid , thematic, sectoral . You start comparing expense ratios, ratings, and performance charts. The numbers blur. You bookmark a few. Hours later, you are still unsure. What if you pick wrong?

In the end, you either put your money in a savings account, stay with the fund you chose long ago, or, even worse, decide not to invest at all. It feels safe. It feels rational. But it is not prudence; it is inaction.

The Scale of Choice

India’s mutual fund industry is now massive. As per the Association of Mutual Funds in India (AMFI) , total assets under management were about ₹75.61 lakh crore in September 2025. With around 54 fund houses an

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