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Indians have been swiping their credit card more and transactions are growing consistently and are now above ₹1 trillion a month. This can be attributed to recovery in air travel, hospitality as well as increasing inflation making go for the ‘pay later’ option. A <a href="https://www.businessinsider.in/finance/banks/news/an-indian-credit-card-user-spends-14500-a-month-on-average-20x-more-than-debit-card-users/articleshow/91759657.cms">recent RBI report says</a> that credit card users spent three times more online than they did offline. On an average, a user spends ₹14,500 per credit card per month, while debit card spends stand at just ₹700 per card. While a credit card has its advantages, it also has demerits that users choose to ignore or are not aware of. Money Insider dives deep into the world-changing potential of financial awareness. It brings together the top young voices from the industry educating millions of Indians and shaping the financial habits of millennials, Gen Z and beyond. One such influencer who helps one understand complex labour laws for employees is <keyword id="14024018" type="General" weightage="20" keywordseo="mandeep-gill" source="Orion">Mandeep Gill</keyword>, co-founder of <keyword id="14024017" type="General" weightage="20" keywordseo="labour-law-advisor" source="Orion">Labour Law Advisor</keyword>. Gill aims to simplify complex labour laws for the Indian workforce and help them build a better financial future. His YouTube channel has over 3 million subscribers. <div type="javascript" title="Custom" contenttype="Video"><cdata><![CDATA[ ]]></cdata></div>According to Gill, here are three mistakes to avoid when using a credit card: #1 Don’t use more than 30% of credit card limit Let's say you spend ₹40,000 every month from your credit card and you pay the full amount before the due date. This is all good but if the total limit of your card is ₹50,000, then it means you're using around 80% of your total credit limit. It makes you look credit hungry and will have a negative impact on your <keyword id="2054234" type="General" weightage="20" keywordseo="cibil-score" source="Orion">CIBIL score</keyword>. Hence, a healthy credit utilization ratio is around 30% and if you want to use more, make sure to increase your credit card limit. CIBIL score is a three digit number that ranges from 300 to 900, which summarizes your credit history, repayment report and spending data. The closer your score is to 900, the better your credit rating is. The CIBIL score plays a critical role in the loan application process, not just limiting to banks but also credit card companies, mortgage lenders, auto lenders etc. The lending institutions analyze your creditworthiness from your CIBIL score before approving the loan request.. #2 Don’t withdraw cash Withdrawing cash from an ATM with a credit card may look easy but prove very costly for you. This is because right from day 1, you will be charged around 2.5% - 3.5% interest per month, which is 40% interest per annum. Note that you get about 50 days of interest free period to pay your credit card dues but that doesn't apply to cash withdrawal. Also, the credit card company will levy a late payment charge in case you fail to return the cash advance before the due date. #3 Don’t make minimum payment When you receive a credit card bill, you have two options -- one is to pay the entire amount and other is to pay the minimum amount, which is typically 5% of the total outstanding amount. And one might even get happy by seeing the minimum bill amount. If one is short of money, they end up paying the minimum amount due. While this option will help you avoid late payment fees, this is where a lot of people make their biggest blunders. This minimum amount will turn into 40% interest per annum and you won't even get the benefit of a 50 days interest free period. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/india/news/if-you-place-an-order-youre-accepting-the-service-charge-restaurant-body-says/articleshow/91779455.cms">If you place an order, you’re accepting the service charge, restaurant body says</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="http://www.businessinsider.in/business/corporates/news/spicejet-flights-delayed-after-ransomware-attack-passengers-told-its-a-server-issue/articleshow/91782077.cms">SpiceJet flights delayed after ransomware attack; passengers told it’s a server issue</a>

Three credit card mistakes to avoid to maintain good CIBIL scores, and avoid too much interest

<cmsannotation type="cmsannotation" annotationid="summary" comment="summary" text="As the onset of the new year beckons us towards new beginnings, Business Insider India invites you to experience our innovations — a showcase of new editorial initiatives, products and brand partnerships from 2022 which have helped leading global companies engage with our select audience. These activities have established the foundation for our unique editorial mission around sustainability, personal finance, and enterprise tech which delivered sharp, incisive and compelling content to our readers. This year, we look forward to collaborating with you on your brand journey and help you emulate the same success that our longstanding partners have achieved.">As the onset of the new year beckons us towards new beginnings, Business Insider India invites you to experience our innovations — a showcase of new editorial initiatives, products and brand partnerships from 2022 which have helped leading global companies engage with our select audience. These activities have established the foundation for our unique editorial mission around sustainability, personal finance, and enterprise tech which delivered sharp, incisive and compelling content to our readers. This year, we look forward to collaborating with you on your brand journey and help you emulate the same success that our longstanding partners have achieved.</cmsannotation> <cmsannotation type="cmsannotation" annotationid="summary" comment="summary" text="Dive in to discover our success stories and drop us a line to harness the very best of Business Insider India’s creative approaches.">Dive in to discover our success stories and drop us a line to harness the very best of Business Insider India’s creative approaches.</cmsannotation> <bulletContentEmbed name="Sustainability Insider" columns="1"><bulletContentHeading name="Sustainability Insider_head"> <div type="image" title="Sustainability Insider" msid="97128329" hostid="261" caption="&amp;lt;p&amp;gt;Sustainability Insider&amp;lt;/p&amp;gt;"></div></columnHeadThumb><keyword id="14107500" type="General" weightage="20" keywordseo="Sustainability-Insider" source="Orion">Sustainability Insider</keyword></columnHeadTitle></columnHead></bulletContentHeading><bulleteContentBody name="Sustainability Insider_body"><bulletContentRow name="Sustainability Insider_1673794911834810"><bulletContentRowHeading><bulletContentRowHead col="1"></bulletContentRowHead></bulletContentRowHeading><bulletContentRowBody><bulletContentRowCell col="1">2023 and beyond… Environment, Social and Governance (ESG) will take the centre stage. Our ESG focussed programming segment - Sustainability Insider sharpens the focus on people, companies and ideas which are making this world a better place. Sustainability Insider’s marquee event, the <keyword id="9906589" type="General" weightage="20" keywordseo="World-EV-Day" source="Orion">World EV Day</keyword> webinar in September showcased industry veterans and thought leaders through and engaged large audiences across the website and social channels. Read more <a href="https://www.businessinsider.in/sustainability">here</a></bulletContentRowCell></bulletContentRowBody></bulletContentRow></bulleteContentBody><payload><![CDATA[right]]></payload></bulletContentEmbed> <bulletContentEmbed name="left_image" columns="1"><bulletContentHeading name="left_image_head"> <div type="image" title="EV_IG (1)" msid="96686566" hostid="261"></div></columnHeadThumb>SUPERCHARGING WORLD EV DAY</columnHeadTitle></columnHead></bulletContentHeading><bulleteContentBody name="left_image_body"><bulletContentRow name="left_image_8476256729899678"><bulletContentRowHeading><bulletContentRowHead col="1"></bulletContentRowHead></bulletContentRowHeading><bulletContentRowBody><bulletContentRowCell col="1">Business Insider India September 2022 curated a special episode on the World EV Day. The Virtual panel, shifting Gears; Evaluating the Road to Sustainability featured Dr. Raji Mathi, Director, Automative Research Association of India (ARAI); Anmol Jaggi, CEO, BluSmart Mobility; Suhas Rajkumar, Founder and CEO, Simple Energy; and Anshul Khandelwal, Chief Marketing &amp; Revenue Officer, Ola Group. The group highlighted the challenges and opportunities of fast-tracking EV adoption in India. Watch the feature <a href="https://www.businessinsider.in/sustainability/article/sustainability-forum-shifting-gears-evaluating-the-road-to-sustainable-mobility/articleshow/94248881.cms">here</a></bulletContentRowCell></bulletContentRowBody></bulletContentRow></bulleteContentBody><payload><![CDATA[left]]></payload></bulletContentEmbed> <bulletContentEmbed name="left_image" columns="1"><bulletContentHeading name="left_image_head"><div type="image" title="Quiz Image" msid="96687183" hostid="261"></div></columnHeadThumb>PRODUCT INNOVATION INTERACTIVE QUIZ</columnHeadTitle></columnHead></bulletContentHeading><bulleteContentBody name="left_image_body"><bulletContentRow name="left_image_2671779128491774"><bulletContentRowHeading><bulletContentRowHead col="1"></bulletContentRowHead></bulletContentRowHeading><bulletContentRowBody><bulletContentRowCell col="1">Interactivity came to the fore as Business as Business Insider India launched the interactive quiz, drawing audiences to engage with the platform and test their acumen on all things sustainability. you can also participate in the quiz and see how you stack up when it comes to sustainability. Click <a href="https://www.businessinsider.in/sustainability/news/lok-sabha-approves-energy-conservation-bill-to-accelerate-climate-action-opens-multi-billion-dollar-carbon-market/articleshow/93479684.cms">here</a> to take the quiz</bulletContentRowCell></bulletContentRowBody></bulletContentRow></bulleteContentBody><payload><![CDATA[left]]></payload></bulletContentEmbed> <bulletContentEmbed name="right_image" columns="1"><bulletContentHeading name="right_image_head"> <div type="image" title="saasscions_roundup" msid="96702847" hostid="261"></div></columnHeadThumb>MARQUEE BRAND INNOVATION VIA INSIDER STODIOS-</columnHeadTitle></columnHead></bulletContentHeading><bulleteContentBody name="right_image_body"><bulletContentRow name="right_image_6519875174873057"><bulletContentRowHeading><bulletContentRowHead col="1">SAAS SCIONS FOR AWS</bulletContentRowHead></bulletContentRowHeading><bulletContentRowBody><bulletContentRowCell col="1">Business Insider India partnered with AWS to custom create SaaS Scions, a content IP six-part series featuring visionaries in the SaaS space who have catalysed the SaaS domain globally. The series features the country's best known SaaS founders in conversation with AWS' leaders and shines a spotlight on India's growth story while capturing the thinking and vision of India's SaaS scions. Featured guests include Girish Mathrubootham, Jay Vijayan, Sandeep Gupta and Beerud Sheth.</bulletContentRowCell></bulletContentRowBody></bulletContentRow></bulleteContentBody><payload><![CDATA[right]]></payload></bulletContentEmbed> <bulletContentEmbed name="Money Insider | Season 2 | COMING SOON on Business Insider" columns="1"><bulletContentHeading name="Money Insider | Season 2 | COMING SOON on Business Insider_head"> <div type="image" title="Money Insider" msid="97127935" hostid="261" caption="&amp;lt;p&amp;gt;&amp;lt;sup&amp;gt;&amp;lt;/sup&amp;gt;Money Insider&amp;lt;/p&amp;gt;"></div></columnHeadThumb>Money Insider | Season 2 | COMING SOON on Business Insider</columnHeadTitle></columnHead></bulletContentHeading><bulleteContentBody name="Money Insider | Season 2 | COMING SOON on Business Insider_body"><bulletContentRow name="Money Insider | Season 2 | COMING SOON on Business Insider_8003104820832338"><bulletContentRowHeading><bulletContentRowHead col="1"></bulletContentRowHead></bulletContentRowHeading><bulletContentRowBody><bulletContentRowCell col="1">The best of financial insights from the country’s most creative voices! Business Insider India’s Money Insider brings together the country’s leading ‘Fin-fluencers’ who are heralding a new beginning in the world of financial literacy. Catch insights, bust myths, share a chuckle as you learn more about investing, insurance, home-buying, credit cards, planning taxes and all things personal finance.</bulletContentRowCell></bulletContentRowBody></bulletContentRow></bulleteContentBody><payload><![CDATA[left]]></payload></bulletContentEmbed> <bulletContentEmbed name="Decoding Season 1’s performance success" columns="1"><bulletContentHeading name="Decoding Season 1’s performance success_head"> <div type="image" title="Decoding Season 1’s performance success" msid="97128114" hostid="261" caption="&amp;lt;p&amp;gt;Decoding Season 1&amp;#8217;s performance success&amp;lt;/p&amp;gt;"></div></columnHeadThumb>Decoding Season 1’s performance success</columnHeadTitle></columnHead></bulletContentHeading><bulleteContentBody name="Decoding Season 1’s performance success_body"><bulletContentRow name="Decoding Season 1’s performance success_0072309969741672"><bulletContentRowHeading><bulletContentRowHead col="1"></bulletContentRowHead></bulletContentRowHeading><bulletContentRowBody><bulletContentRowCell col="1">Money Insider tapped right into the current trend of financial literacy among Millennials and GenZ. It approached influencers such as Mandeep Gill, Raj Shamani, Ashna Tolkar, Neha Nagar, Shashank Udapa and Abhiraj &amp; Niyati to curate concise, crisp and educational content to fit in perfectly with Instagram's current demand for extensive information quickly. With a mix of these strategies, Money Insider hit over 2+ million views on Instagram and will be back soon to help you take control of your personal finances and make smart money decisions.</bulletContentRowCell></bulletContentRowBody></bulletContentRow></bulleteContentBody><payload><![CDATA[right]]></payload></bulletContentEmbed> <bulletContentEmbed name="Partner with Us" columns="1"><bulletContentHeading name="Partner with Us_head"> <div type="image" title="Partner with Us" msid="97128159" hostid="261" caption="&amp;lt;p&amp;gt;Partner with Us&amp;lt;/p&amp;gt;"></div></columnHeadThumb>Partner with Us</columnHeadTitle></columnHead></bulletContentHeading><bulleteContentBody name="Partner with Us_body"><bulletContentRow name="Partner with Us_3017289699399519"><bulletContentRowHeading><bulletContentRowHead col="1"></bulletContentRowHead></bulletContentRowHeading><bulletContentRowBody><bulletContentRowCell col="1">Thank you for joining us on this overview of Business Insider India innovations. We are proud of our content teams and their diverse expertise of the Insider Studios’ creative leads in building bespoke content for our partners. And this new year, we welcome you to explore our range of offerings to help you grow your business. You can reach us at: <a href="mailto:advertise@businessinsider.in">advertise@businessinsider.in</a>. We wish you the very best as you step into 2023.</bulletContentRowCell></bulletContentRowBody></bulletContentRow></bulleteContentBody><payload><![CDATA[right]]></payload></bulletContentEmbed>

Boost your brand with Business Insider India

<keyword id="3658" type="General" weightage="100" keywordseo="india" source="Orion">India</keyword> has a population of 1.3 billion people and a huge part of it is over 18 years of age. According to India Brand Equity Foundation (IBEF), about 76% of adults lack a basic understanding of financial concepts. Even if you ignore the data and look around, you will realise there is a dire need to bring focus on creating awareness around financial literacy, investing and planning. IBEF also says that India has the potential to rank among the top financially literate countries in the world as 27.6% of its people between the age group 25-44 continue participating in financial inclusion programmes through formal education and other means. <a href="https://www.instagram.com/businessinsiderin/guide/money-insider/17854827473721020/" data-type="tilCustomLink">Money Insider</a> is here to power the India opportunity The rate of financial literacy could expand by more than 20% in the next two decades if we seed the basics within the age group 10-19 which constitutes around 21.8% of India's population. A financially savvy India will have a massive impact on the country's general economic growth and global influence. Money Insider dives deep into the world-changing potential of financial awareness. It brings together the top young voices from the industry educating millions of Indians and shaping the financial habits of millennials, genZ and beyond. From being trapped in credit card bill cycles, and equated monthly instalments (EMIs) to not being able to meet the standard of living you wish, the root cause of most of these issues is a lack of financial literacy. A lot of you realise it but get stuck in the dilemma of finding the entry point to the first step. With Money Insider, we aim to close the "knowing-doing" gap in financial literacy. The voice — Meet the Money Insider fin-fluencers <div type="image" title="Representative image" msid="90645832" hostid="261"></div> 1. <a href="https://www.instagram.com/abhiandniyu/">Abhiraj and Niyati aka Abhi and Niyu</a> - Digital Content Creator Duo This power couple started a YouTube page called, ‘Let’s make you rich’ that talks about the rules, principles, and ideas to manage your personal finance. The duo have amassed over 4 million followers across social media platforms. Featured in <keyword id="6373044" type="General" weightage="50" keywordseo="forbes" source="Orion">Forbes</keyword> 30 under 30 of 2021, Abhi and Niyu aim to offer solution-oriented content to its fans. <div type="image" title="Representative image" msid="90645869" hostid="261"></div>2. <a href="https://www.instagram.com/rajshamani/">Raj Shamani </a>- Digital Content Creator, Entrepreneur, Podcaster and Investor Founder of <keyword id="10598902" type="General" weightage="50" keywordseo="shamani-industries" source="Orion">Shamani Industries</keyword>, Raj Shamani is a business content creator and public speaker with 1 million followers on <keyword id="819905" type="General" weightage="50" keywordseo="instagram" source="Orion">Instagram</keyword>, 146k fans on Twitter and 272k subscribers on YouTube. <div type="image" title="Representative image" msid="90645892" hostid="261"></div>3. <a href="https://www.instagram.com/shashank_udupa/">Shashank Udupa</a> - Financial Expert, Digital Content Creator and Co-Founder and CFO at Scenes by Avalon Founder of tech company Avalon, <keyword id="10355438" type="General" weightage="50" keywordseo="shashank-udupa" source="Orion">Shashank Udupa</keyword> is a finance wizard who shares the millennial approach of investing with his followers. Udupa is a former investment banker from India Infoline and has also worked with FoxBound, Calm India, ENKIDU. His experience with investment banking and running his own company has led him to become one of the leading experts in the field of money management. <div type="image" title="Representative image" msid="90645909" hostid="261"></div>4. <a href="https://www.instagram.com/iamnehanagar/">Neha Nagar</a>- Finfluencer and Founder of TaxationHelp.in A crypto-enthusiast and stock-aficionado, <keyword id="13542701" type="General" weightage="50" keywordseo="neha-nagar" source="Orion">Neha Nagar</keyword> is a zestful young creator and one of the up-and-coming woman entrepreneurs in India. Her content ranges from finance to crypto-currency, stock markets and trading to government funding schemes and taxation. Nagar aspires to extend and encourage financial literacy through social media and has already garnered over 4.78 million followers across social media platforms. <div type="image" title="Representative image" msid="90645930" hostid="261"></div>5. <a href="https://www.instagram.com/labourlawadvisor/">Mandeep Gill </a>- Cofounder, Labour Law Advisor Founder of the YouTube channel Labour Law Advisor, Gill aims to simplify complex labor laws for the Indian workforce and help them build a better financial future. His mission continues with the support of more than 1.6 million subscribers. <div type="image" title="Representative image" msid="90645946" hostid="261"></div>6. <a href="https://www.instagram.com/themoneylancer/">Ashna Tolkar</a> - Financial educator, Influencer &amp; Founder, Money lancer “I make finance effortless,” reads <keyword id="13542702" type="General" weightage="50" keywordseo="ashna-tolkar" source="Orion">Ashna Tolkar</keyword>’s Instagram bio. Followed by 76.7k fans on Instagram, <keyword id="13542700" type="General" weightage="50" keywordseo="tolkar" source="Orion">Tolkar</keyword> videos are popular among the younger generation. She educates users about wealth management, with one reel at a time. So, join us on Business Insider India’s <a href="https://www.instagram.com/businessinsiderin/">Instagram</a>, where we will take you through a series of videos from successful 'fin-fluencers' who'll pave the way for your entry to financial awareness and freedom. They will be covering topics ranging from basics of investing, financial planning, savings, how to plan retirement, buying a home, managing loans and taxes. Disclaimer: Business Insider India has partnered with these influencers for the Money Insider series. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/entertainment/news/grammys-2022-award-meet-falguni-shah-who-won-the-best-childrens-music-album-of-the-year-2022/slidelist/90634995.cms">Meet Falguni Shah who won the best children’s music album of the year award at the Grammy’s</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/stock-market/news/rally-in-adani-group-companies-not-only-made-gautam-adani-indias-richest-man-but-also-made-a-fortune-for-its-investors/articleshow/90638038.cms">Rally in Adani Group companies not only made Gautam Adani India’s richest man, but also made a fortune for its investors</a>

Business Insider India presents Money Insider – your guide to financial freedom

<ul><li>Generally investors tend to think mutual fund schemes with low <keyword id="387444" type="General" weightage="20" keywordseo="net-asset-value" source="Orion">net asset value</keyword> (<keyword id="132616" type="General" weightage="20" keywordseo="NAV" source="Orion">NAV</keyword>) are more attractive and may give higher returns.</li><li>NAV is decided by the fund house and depends on the assets held by the company.</li><li>NAV represents a MF fund’s unit price at which investors buy fund shares from MF houses and sell them. The NAV of a fund is basically like the share price of a company.</li></ul><keyword id="6357979" type="General" weightage="20" keywordseo="mutual-funds" source="Orion">Mutual funds</keyword> are very popular investment vehicles. However, many of us don’t know which mutual fund to pick either the low cost one or high cost from more than 2,500 schemes available in the Indian market. Firstly, a mutual fund (MF) is a pool of money collected from many investors, which later gets invested in buying stocks, bonds etc, by a professional fund manager on behalf of investors. SIPs are considered as an ideal way to invest for retail investors. Currently, there are about 44 registered mutual fund companies in India offering a variety of schemes to satisfy the dynamic needs of diverse investors. Each MF scheme has a different objective towards investment. So, an investor needs to pick the mutual fund that suits his/her needs and risk profile. <a href="https://www.businessinsider.in/finance/news/business-insider-india-presents-money-insider-your-guide-to-financial-freedom/articleshow/90643990.cms">Money Insider </a>takes a deep dive into the world-changing potential of financial awareness. It brings together the top young voices from the industry, educating millions of millennials, Gen Zs and more. One such influencer who helps one understand complex labour laws for employees is Mandeep Gill, co-founder of Labour Law Advisor. Gill aims to simplify complex labour laws for the Indian workforce and help them build a better financial future. His YouTube channel has over three million subscribers. Picking low unit mutual schemes doesn't always mean higher returns While investing in mutual funds, investors tend to think mutual fund schemes with low net asset value (NAV) are more attractive and may give higher returns. NAV represents a MF fund’s unit price at which investors buy fund shares from MF houses and sell them. The NAV of a fund is basically like the share price of a company. The story starts when one has to choose among thousands of schemes. To put it straight, if you were to pick up ones of these mutual funds on the basis of NAV which one will you pick: A) NAV - ₹100 B) NAV - ₹10 Gill explains how the correct answer is neither. “Let’s say you invest ₹10,000 in both of these funds then in fund A you will get 100 units and fund B you will get 1,000 units. After one year both funds give a return of 10% and your holding value in both the funds will be ₹11,000. This means a lower NAV does mean more units but it doesn't mean more returns.” <div type="javascript" title="Custom" contenttype="Video"><cdata><![CDATA[ ]]></cdata></div> NAV is total assets managed by the company divided by total number of units. So more units means lower the NAV and fewer units, higher the NAV. A fund may have a low NAV if it is not too old or could be because of the poor performance of the market in the past. But it does not predict how the fund will perform in the future. “In fact, a fund with a higher NAV has a proven track record that it has generated returns and you have more data to trust such a fund,” said Gill. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/india/news/spicejet-says-its-md-ajay-singh-is-the-victim-to-a-bogus-complaint/articleshow/92818041.cms">SpiceJet says it’s MD Ajay Singh is the victim to a bogus complaint</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/careers/news/after-techies-its-aviation-crew-salaries-thatll-be-up-in-the-air/articleshow/92818738.cms">After techies, its aviation crew salaries that’ll be ‘up in the air’</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/corporates/news/cement-companies-are-girding-for-tougher-times-as-rising-fuel-costs-bite/articleshow/92822829.cms">Cement companies are girding for tougher times as rising fuel costs bite</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/stock-market/news/adani-enterprises-adani-ports-and-adani-total-gas-are-going-ex-dividend-on-july-14-should-you-buy-them/articleshow/92823532.cms">These three Adani stocks are going ex-dividend on July 14 – should you buy them?</a>

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Three credit card mistakes to avoid to maintain good CIBIL scores, and avoid too much interest

Bhakti Makwana

Boost your brand with Business Insider India

Business Insider India presents Money Insider – your guide to financial freedom

BI India Bureau

Here’s why lower unit price of a mutual fund doesn't mean higher returns

Bhakti Makwana

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