Motilal Oswal Asset Management Company Ltd. (MOAMC) is a public limited company incorporated under the Companies Act, 1956 on November 14, 2008, having its Registered Office at 10th Floor, Motilal Oswal Tower, Rahimtullah Sayani Road, Opposite Parel ST Depot, Prabhadevi, Mumbai - 400025.
Motilal Oswal Asset Management Company Ltd. has been appointed as the Investment Manager to Motilal Oswal Mutual Fund by the Trustee vide Investment Management Agreement (IMA) dated May 21, 2009, executed between Motilal Oswal Trustee Company Ltd. and Motilal Oswal Asset Management Company Ltd.
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Motilal Oswal Dynamic Fund (Div-A) - 12.5295Motilal Oswal Dynamic Fund (Div-Q) - 12.3083Motilal Oswal Dynamic Fund (G) - 13.32Motilal Oswal Dynamic Fund-Dir (Div-A) - 13.0744Motilal Oswal Dynamic Fund-Dir (Div-Q) - 12.2449Motilal Oswal Dynamic Fund-Dir (G) - 13.8086Motilal Oswal Equity Hybrid Fund - Direct (G) - 11.9429Motilal Oswal Equity Hybrid Fund - Regular (G) - 11.7013Motilal Oswal Focused 25 Fund - Direct (D) - 19.7816Motilal Oswal Focused 25 Fund - Direct (G) - 26.8549Motilal Oswal Focused 25 Fund (D) - 17.7751Motilal Oswal Focused 25 Fund (G) - 24.5256Motilal Oswal Large and Midcap Fund - Dir (D) - 11.1682Motilal Oswal Large and Midcap Fund - Dir (G) - 11.1682Motilal Oswal Large and Midcap Fund (D) - 11.1201Motilal Oswal Large and Midcap Fund (G) - 11.1201Motilal Oswal Liquid Fund - Direct (Div-D) RI - 10.0077Motilal Oswal Liquid Fund - Direct (Div-F) RI - 10.0114Motilal Oswal Liquid Fund - Direct (Div-M) - 10.0558Motilal Oswal Liquid Fund - Direct (Div-Q) - 10.029Motilal Oswal Liquid Fund - Direct (Div-W) RI - 10.0058Motilal Oswal Liquid Fund - Direct (G) - 10.6064Motilal Oswal Liquid Fund - Regular (Div-D) RI - 10.0055Motilal Oswal Liquid Fund - Regular (Div-F) RI - 10.011Motilal Oswal Liquid Fund - Regular (Div-M) - 10.0548Motilal Oswal Liquid Fund - Regular (Div-Q) - 10.267Motilal Oswal Liquid Fund - Regular (Div-W) RI - 10.013Motilal Oswal Liquid Fund - Regular (G) - 10.5892Motilal Oswal Long Term Equity Fund (D) - 17.1172Motilal Oswal Long Term Equity Fund (G) - 19.318Motilal Oswal Long Term Equity Fund -Dir (D) - 18.4047Motilal Oswal Long Term Equity Fund -Dir (G) - 20.6631Motilal Oswal Midcap 30 Fund (D) - 19.9956Motilal Oswal Midcap 30 Fund (G) - 27.9303Motilal Oswal Midcap 30 Fund-Dir (D) - 21.8567Motilal Oswal Midcap 30 Fund-Dir (G) - 30.0483Motilal Oswal Multicap 35 Fund (D) - 24.1126Motilal Oswal Multicap 35 Fund (G) - 27.3691Motilal Oswal Multicap 35 Fund-Dir(D) - 25.5947Motilal Oswal Multicap 35 Fund-Dir(G) - 28.896Motilal Oswal Nasdaq 100 FOF - Direct (G) - 13.6781Motilal Oswal Nasdaq 100 FOF - Regular (G) - 13.6162Motilal Oswal Nifty 50 Index Fund - Direct (G) - 10.0613Motilal Oswal Nifty 50 Index Fund (G) - 10.0582Motilal Oswal Nifty 500 Fund - Direct (G) - 11.3288Motilal Oswal Nifty 500 Fund (G) - 11.3019Motilal Oswal Nifty Bank Index Fund - Direct (G) - 11.5218Motilal Oswal Nifty Bank Index Fund (G) - 11.4944Motilal Oswal Nifty Midcap 150 Index Fund (G) - 11.6024Motilal Oswal Nifty Midcap 150 Index Fund-Dir (G) - 11.6301Motilal Oswal Nifty Next 50 Index Fund - Dir (G) - 10.2153Motilal Oswal Nifty Next 50 Index Fund (G) - 10.2103Motilal Oswal Nifty Smallcap 250 Index Fund (G) - 11.5713Motilal Oswal Nifty Smallcap 250 Index Fund-Dir(G) - 11.599Motilal Oswal Ultra Short Term Fund - Dir (Div-D) - 9.3843Motilal Oswal Ultra Short Term Fund - Dir (Div-F) - 9.4019Motilal Oswal Ultra Short Term Fund - Dir (Div-M) - 9.391Motilal Oswal Ultra Short Term Fund - Dir (Div-Q) - 9.526Motilal Oswal Ultra Short Term Fund - Dir (Div-W) - 9.3947Motilal Oswal Ultra Short Term Fund - Dir (G) - 13.2968Motilal Oswal Ultra Short Term Fund (Div-D) - 9.3877Motilal Oswal Ultra Short Term Fund (Div-F) - 9.3975Motilal Oswal Ultra Short Term Fund (Div-M) - 9.3882Motilal Oswal Ultra Short Term Fund (Div-Q) - 9.5246Motilal Oswal Ultra Short Term Fund (Div-W) - 9.3911Motilal Oswal Ultra Short Term Fund (G) - 12.93

5 Key steps to build and manage a contingency fund

A contingency or emergency fund is practically a reservoir of money kept aside to cover up for unforeseen circumstances or future expenditure. Because of uncertainties in our existence, we might have to face them with monetary assistance. Often, one might not be sure on how to build a contingency fund or how much to allocate in one. Read 5 Key steps to build and manage a contingency fund;

Stack it safe

For those who are intending to build a contingency fund must ensure that their contingency fund should be separate from your existing bank accounts. This would help in curbing the urge to utilise you contingency money. Don’t keep all the money in a savings account. You could also consider a flexi-deposit that banks offer. This will give you a rate of interest higher than the savings account but provide you with the liquidity. Also consider parking a portion of it in a liquid or short-term debt fund.

Track and pack the trash and build your stash

Our contingency fund usually constitutes of our savings which are a part of our income. Adding a part of our savings to our contingency fund is a monthly affair, however, it’s always a plus-point if we can add some more to it. To make this happen, one can get rid of the old things at home, for instance; old clothes, furniture etc., biting the dust by selling them and discontinuing the services that are not being used since a while and then contributing the money earned to their contingency fund. You can also track your expenses in the upcoming months and review if they are needed further or not and if not; you could use that money in your plan to build a contingency fund. This is also a way in which one can bolster their finances. 

Calibrate to make it last late

When building a contingency fund, one must adhere to a time-frame. This is to ensure that one has adequate funds that will last during a rough patch. Since emergencies are usually heavy on the pocket and can last longer than expected; one should have enough in their repository so it could last longer and serve as a support during perilous times. Ideally, one must have enough money in their funds so it could last for a minimum of six months and cover all your requirements. 

Invest to benefit the best

If you are an investor in equity-oriented mutual fund schemes, and want to take advantage of it to build and manage your contingency fund, you can plough your assets into Equity-Linked Savings Scheme (ELSS) which allows the investor for a tax exemption of Rs. 1.5 lakh under section 80C of the Income Tax Act.* So, you can actually save some part of your tax payment and use it to build your contingency fund. 

Virtues of Discipline and Patience

These two are very important ingredients to achieve anything in life. Considering contingency fund planning to be an important financial goal, these two virtues should be religiously followed under all circumstances. Just like investing in any other mutual fund scheme that requires time for your money to multiply, building a contingency fund too, requires time. The only difference is that in any investment, there is a potential for your money to grow while building a contingency fund, your money does not grow but gets accumulated. Also, one must ensure discipline to look up to the contingency fund only as a last resort during emergencies and not to satiate whims and fancies.

However with time, discipline and patience, you can grow your contingency fund that can help you during your moments of need


*Investors are advised to consult their tax advisor in view of individual nature of tax benefits. Further, Tax deduction(s) available u/s 80C of the Income Tax Act, 1961 is subject to conditions specified therein. Investors are requested to note that fiscal laws may change from time to time and there can be no guarantee that the current tax position may continue in the future.

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Disclaimer:The information herein alone is not sufficient and should not be used for the development or implementation of an investment strategy and shall not constitute as an investment advice. MOAMC shall not be liable for any direct or indirect loss arising from the use of any information contained in this document. Readers shall be fully responsible for any decision taken on the basis of this document. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

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