https://www.germinateinvestor.com/news-and-blogs daily 0.75 2025-04-25 https://www.germinateinvestor.com/news-and-blogs/2025/4/8/mf-corner-yt-edition-whats-the-right-equity-mutual-fund-option-for-you-n18v-cnbc-tv18 monthly 0.5 2025-04-08 https://www.germinateinvestor.com/news-and-blogs/2025/4/7/value-mfs-attract-rs-1556-cr-inflow-in-jan-outlook-remains-optimistic monthly 0.5 2025-04-07 https://www.germinateinvestor.com/news-and-blogs/2025/4/7/strong-investor-interest-drives-value-mutual-fund-inflows-to-22757-cr-in-2024 monthly 0.5 2025-04-07 https://www.germinateinvestor.com/news-and-blogs/2024/5/13/72bxhiu88y54bupzgi8k068tuepfub monthly 0.5 2025-01-16 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/883b35e0-ed2b-4943-8c49-4623c559b49a/Santosh+Joseph+High+Res+Image.JPG News and Blogs - NFO Landscape - 2024 - Foreword As we step into a new chapter of India's economic journey, it is with great optimism that we present the "NFO Landscape - 2024: Emerging Trends, Performance Insights, and Market Dynamics." This report is a reflection of the dynamic and evolving nature of India's financial ecosystem, one that continues to present opportunities for investors seeking long-term growth. The Indian equity markets have shown remarkable resilience and adaptability, driven by strong macroeconomic fundamentals and a burgeoning entrepreneurial spirit. The year 2024, marked by pivotal events such as the general elections, brings with it renewed energy and potential for transformational growth. A stable and reform-oriented governance framework is expected to catalyze investments, stimulate economic activity, and pave the way for sustained development across industries. New Fund Offerings (NFOs) have emerged as a cornerstone of the mutual fund industry's evolution, reflecting not only the ingenuity of fund managers but also the growing sophistication of retail and institutional investors. This report delves into the trends that shaped NFO inflows in 2024, highlighting sectoral outperformance, investor preferences, and the strategic pivots of fund houses in response to market dynamics. India’s growth story remains a compelling narrative, underpinned by its demographic dividend, digital transformation, and ambitious projects. As the world increasingly recognizes India's pivotal role in the global economy, the equity markets are poised to ride this wave of optimism. Investors have a unique opportunity to participate in this journey, leveraging insights and data to make informed decisions. At Germinate Investor Services, we believe that knowledge is the cornerstone of successful investing. This report is crafted with the intention of empowering our readers to navigate the complexities of the financial markets with confidence and clarity. Let us embrace the opportunities that lie ahead, investing not just in financial assets but in the limitless potential of India's future. Santosh Joseph, CEO, Germinate Investor Services https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/e3463058-1e1a-4111-884a-ba77035f1d42/NFO+REPORT+-+Germinate+Investor+Services.jpg News and Blogs - NFO Landscape - 2024 - Make it stand out NFOs of 2024- An Overview https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/8b354d0d-66b3-4378-9f3c-534f248a7344/Germinate+Investor+Services+-+A+record+year+for+NFOs.jpg News and Blogs - NFO Landscape - 2024 - A Record Year for NFOs The mutual fund industry shattered records in 2024 with the launch of over 200 new schemes. The surge in NFOs reached peaks in September and October, coinciding with a market rally. These months alone accounted for more than 50 new fund launches, amassing over ₹20,000 crores in investor contributions. On a broader scale, the industry collected over ₹1,00,000 crores through NFOs in 2024, reflecting both investor confidence and the sustained appetite for new investment products. July was particularly noteworthy, with collections exceeding ₹16,500 crores, driven by market optimism and aggressive fund marketing. Conversely, April saw the lowest collections of just over ₹1,500 crores, likely influenced by market volatility and cautious sentiment. https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/6ab5d678-9d3e-4c7e-8b3f-a6f7b6c60b6d/NFO+Report-+Germinate+Investor+Services+%28+Page+2%29.jpg News and Blogs - NFO Landscape - 2024 - Make it stand out NFO Launch in 2024- Month wise and Scheme wise https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/e3d8de61-3409-4dfc-b7c3-90eca241f219/Year-wise+NFO+Growth-+Germinate+Investor+Services.jpg News and Blogs - NFO Landscape - 2024 - Make it stand out Year-wise NFO Growth https://www.germinateinvestor.com/news-and-blogs/2024/4/10/as-interest-rates-head-south-it-may-be-time-to-shift-your-savings-bank-account monthly 0.5 2025-04-08 https://www.germinateinvestor.com/news-and-blogs/2024/4/10/new-sebi-norms-will-help-debt-mutual-fund-investors monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/47c8c412-e9c0-421b-bf7f-7a51de9c7d7e/Blog+Banner+%2846%29.jpg News and Blogs - New Sebi norms will help debt mutual fund investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/10/should-you-invest-in-multi-asset-funds monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/6fd02d1e-4190-4146-9aa5-b159612c6741/invest-k0KH--621x414%40LiveMint-2b29_1596441833400.jpeg News and Blogs - Should you invest in Multi Asset funds? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/10/worried-about-falling-interest-rates-heres-what-to-do monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/d3a13f4e-2d0a-45fd-8df9-965aad098dd1/Blog+Banner+%2845%29.jpg News and Blogs - Worried about falling interest rates? 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- Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/10/steering-through-market-mayhem-5-things-to-do monthly 0.5 2024-04-10 https://www.germinateinvestor.com/news-and-blogs/2024/4/10/six-tasks-to-finish-before-the-financial-year-ends monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/ed69c355-d16a-481a-855a-ffbf4ba696c8/Blog+Banner+%2841%29.jpg News and Blogs - Six tasks to finish before the financial year ends - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/10/smart-investing-to-meet-multiple-goals monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/867a517d-f3da-4fb7-a033-81fce160343c/Blog+Banner+%2840%29.jpg News and Blogs - Smart investing to meet multiple goals - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/10/looking-for-big-gains-4-reasons-why-small-cap-investing-may-be-a-good-idea monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/9a37fef1-301b-408f-9497-e06f739751db/Blog+Banner+%2839%29.jpg News and Blogs - Looking for big gains? 4 reasons why small cap investing may be a good idea - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/10/midcaps-are-ready-for-a-comeback-here-is-how-to-make-the-most-out-of-it monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/ea6d3e72-7594-4de1-a099-15bf2929e7ae/Blog+Banner+%2838%29.jpg News and Blogs - Midcaps are ready for a comeback: Here is how to make the most out of it - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/10/backis-it-time-for-investors-to-revisit-their-debt-allocation-strategy monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/8f39bc1a-5d1b-48b3-9d74-8bd9b409f142/Blog+Banner+%2837%29.jpg News and Blogs - BackIs it time for investors to revisit their debt allocation strategy? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/10/are-mid-cap-and-small-cap-index-mutual-funds-good-for-our-portfolio monthly 0.5 2024-04-10 https://www.germinateinvestor.com/news-and-blogs/2024/4/10/prudent-financial-steps-investors-should-take-during-a-slowdown monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/8d25b935-e8fc-4933-a59e-545ac35e9fac/Blog+Banner+%2835%29.jpg News and Blogs - Prudent financial steps investors should take during a slowdown - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/10/6-best-investment-options-for-2020 monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/f85fb81b-fda4-4d99-9ab3-4f98fb9cb745/Blog+Banner+%2834%29.jpg News and Blogs - 6 best investment options for 2020 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/10/4ict3koeywr23taus945cd3k4vvqqg monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/754435ac-af64-4cd1-9662-dfb96d0345cb/Blog+Banner+%2833%29.jpg News and Blogs - It is raining mutual fund NFOs. Should you invest in them? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/10/do-you-need-a-retirement-mutual-fund-to-take-care-of-your-sunset-years monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/406f43a1-7a74-4ecb-ba41-5e04cc96c162/Blog+Banner+%2832%29.jpg News and Blogs - Do you need a retirement mutual fund to take care of your sunset years? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/10/axis-retirement-savings-fund-nfo-review monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/ff758501-470f-452f-98f1-b3554d4c84c0/Blog+Banner+%2831%29.jpg News and Blogs - Axis Retirement Savings Fund: NFO review - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/10/why-investors-must-add-index-funds-to-their-portfolios monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/f332d4c1-ce7c-4710-9b4c-fa5406580046/Blog+Banner+%2830%29.jpg News and Blogs - Why investors must add index funds to their portfolios - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/10/investors-must-add-index-funds-to-their-portfolios-say-mutual-fund-advisors monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/a6a22e21-b0be-44bf-ac52-2920e9ac1475/Blog+Banner+%2829%29.jpg News and Blogs - Investors must add index funds to their portfolios, say mutual fund advisors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/10/dont-park-all-investments-in-small-saving-schemes monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/1869c9f6-8ce5-4d57-8891-2cdcce6cc67c/money2-770x433.jpeg News and Blogs - Don’t park all investments in small saving schemes - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/10/reliance-mutual-fund-is-nippon-india-mutual-fund-now-should-you-exit monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/0c71870a-4a99-4b79-9159-5793ae9ce9e5/Blog+Banner+%2828%29.jpg News and Blogs - Reliance Mutual Fund is Nippon India Mutual Fund now. Should you exit? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/10/t4giilhkdw1lhm98mj1thdfxgr2lvo monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/748b1598-05ad-4b80-b56c-9307fa3de53c/house-of-money-real-estate-1280-X720-770x433.jpeg News and Blogs - How to build a recession-proof portfolio - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/10/how-long-is-long-term-when-investing-in-equity monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/e5074a24-bd67-435e-9b6e-f64cb09adcf9/Blog+Banner+%2827%29.jpg News and Blogs - How long is long-term when investing in equity? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/10/financial-planning-millennials-are-good-at-bargain-hunting monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/7e894644-b552-4f9f-8603-6629955fcd3e/769031-millennials-thinkstock-011118.jpeg News and Blogs - FINANCIAL PLANNING: Millennials are good at bargain hunting - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/10/5-smart-money-moves-for-a-better-financial-life monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/95d17507-5b7f-4512-82fc-74ac60a4c93f/1536234749_qPjNMG_investment_ST.jpeg News and Blogs - 5 Smart Money Moves For A Better Financial Life - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/10/financial-planning-how-to-overcome-poor-financial-habits monthly 0.5 2024-04-10 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/52ae1571-1e3f-49df-8191-4dbc550d1d26/Blog+Banner+%2826%29.jpg News and Blogs - Financial Planning: How to overcome poor financial habits - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/9/should-you-invest-in-motilal-oswal-nasdaq-100-fof monthly 0.5 2024-04-09 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/e4a163e9-1514-4445-805d-e861ae0230ca/Blog+Banner+%2825%29.jpg News and Blogs - Should you invest in Motilal Oswal Nasdaq 100 FOF? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/9/financial-planning-rich-can-make-bad-money-decisions-too monthly 0.5 2024-04-09 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/27ce579c-4bbc-4ab5-86ae-3ed7bddad2ca/Blog+Banner+%2824%29.jpg News and Blogs - FINANCIAL PLANNING: Rich can make bad money decisions too - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/9/is-rs-1-crore-good-enough-for-your-retirement-keep-these-5-things-in-mind monthly 0.5 2024-04-09 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/3fb9585f-0bf3-48ed-9452-44e52b980cb3/Blog+Banner+%2823%29.jpg News and Blogs - Is Rs 1 crore good enough for your retirement? Keep these 5 things in mind - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/9/market-volatility-should-you-revisit-your-equity-investment-strategy monthly 0.5 2024-04-09 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/4ea2703c-a7ea-4f4a-94fc-2dea2fb7b3fa/Blog+Banner+%2822%29.jpg News and Blogs - Market volatility: Should you revisit your equity investment strategy? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/9/is-it-time-for-you-to-shift-from-active-funds-to-passive-funds monthly 0.5 2024-04-09 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/11350979-d3f6-4800-82f3-6d4bcdf769bc/Blog+Banner+%2821%29.jpg News and Blogs - Is it time for you to shift from active funds to passive funds? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/9/how-to-become-rich-5-signs-to-know-you-will-become-a-crorepati-one-day monthly 0.5 2024-04-09 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/59cd789b-5b63-4024-853e-372998b7a37a/Blog+Banner+%2820%29.jpg News and Blogs - How to become rich: 5 signs to know you will become a crorepati one day - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/9/lower-ter-will-benefit-long-term-equity-mutual-fund-investors monthly 0.5 2024-04-09 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/2f533c06-bfd4-4c84-a53e-8468ae59118c/Blog+Banner+%2819%29.jpg News and Blogs - Lower TER will benefit long-term equity mutual fund investors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/9/independence-day-2018-heres-how-women-can-achieve-financial-freedom monthly 0.5 2024-04-09 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/e5109736-c7f5-431a-be9f-2a0fc5cca3a6/Blog+Banner+%2818%29.jpg News and Blogs - Independence Day 2018: Here's how women can achieve financial freedom - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/9/multicap-schemes-are-the-best-bet-at-this-point-say-mutual-fund-advisors monthly 0.5 2024-04-09 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/35609243-0e73-416b-aed5-e49675f3bddc/Blog+Banner+%2817%29.jpg News and Blogs - Multicap schemes are the best bet at this point, say mutual fund advisors - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/9/which-mutual-funds-would-help-me-to-create-rs-20-lakh-in-three-years monthly 0.5 2024-04-09 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/da076bea-be5b-43fd-b446-4dc44d590db4/Blog+Banner+%2816%29.jpg News and Blogs - Which mutual funds would help me to create Rs 20 lakh in three years? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/news-and-blogs/2024/4/9/should-mid-and-smallcap-investors-switch-to-largecap-schemes monthly 0.5 2024-04-09 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/bc8147e9-7285-422f-b8db-e55b2ad645ae/Blog+Banner+%2813%29.jpg News and Blogs - Should mid and smallcap investors switch to largecap schemes? - 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Jessica Johann, Client Relations - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.germinateinvestor.com/nfo-report-2024 daily 0.75 2025-04-08 https://www.germinateinvestor.com/nfo-report-2024/blog-post-title-one-wpfht monthly 0.5 2025-01-16 https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/665191ee-3145-4f52-a6a4-694e86a6325e/Santosh+Joseph+High+Res+Image.JPG NFO Report 2024 - NFO Landscape - 2024 - Foreword As we step into a new chapter of India's economic journey, it is with great optimism that we present the "NFO Landscape - 2024: Emerging Trends, Performance Insights, and Market Dynamics." This report is a reflection of the dynamic and evolving nature of India's financial ecosystem, one that continues to present opportunities for investors seeking long-term growth. The Indian equity markets have shown remarkable resilience and adaptability, driven by strong macroeconomic fundamentals and a burgeoning entrepreneurial spirit. The year 2024, marked by pivotal events such as the general elections, brings with it renewed energy and potential for transformational growth. A stable and reform-oriented governance framework is expected to catalyze investments, stimulate economic activity, and pave the way for sustained development across industries. New Fund Offerings (NFOs) have emerged as a cornerstone of the mutual fund industry's evolution, reflecting not only the ingenuity of fund managers but also the growing sophistication of retail and institutional investors. This report delves into the trends that shaped NFO inflows in 2024, highlighting sectoral outperformance, investor preferences, and the strategic pivots of fund houses in response to market dynamics. India’s growth story remains a compelling narrative, underpinned by its demographic dividend, digital transformation, and ambitious projects. As the world increasingly recognizes India's pivotal role in the global economy, the equity markets are poised to ride this wave of optimism. Investors have a unique opportunity to participate in this journey, leveraging insights and data to make informed decisions. At Germinate Investor Services, we believe that knowledge is the cornerstone of successful investing. This report is crafted with the intention of empowering our readers to navigate the complexities of the financial markets with confidence and clarity. Let us embrace the opportunities that lie ahead, investing not just in financial assets but in the limitless potential of India's future. Santosh Joseph, CEO - Germinate Investor Services https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/06f4ea35-8940-421d-a209-f016ed858f5a/NFO+REPORT+-+Germinate+Investor+Services+%281%29.jpg NFO Report 2024 - NFO Landscape - 2024 - Make it stand out NFOs in 2024 - An Overview https://images.squarespace-cdn.com/content/v1/58931cbeb3db2b658791df94/a92684ed-b623-4a59-b768-27b28b31a444/Germinate+Investor+Services+-+A+record+year+for+NFOs.jpg NFO Report 2024 - NFO Landscape - 2024 - A Record Year for NFOs The mutual fund industry shattered records in 2024 with the launch of over 200 new schemes. The surge in NFOs reached peaks in September and October, coinciding with a market rally. These months alone accounted for more than 50 new fund launches, amassing over ₹20,000 crores in investor contributions. On a broader scale, the industry collected over ₹1,00,000 crores through NFOs in 2024, reflecting both investor confidence and the sustained appetite for new investment products. July was particularly noteworthy, with collections exceeding ₹16,500 crores, driven by market optimism and aggressive fund marketing. 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