{"id":14790,"date":"2025-11-26T12:10:24","date_gmt":"2025-11-26T12:10:24","guid":{"rendered":"https:\/\/navia.co.in\/blog\/?p=14790"},"modified":"2025-11-28T10:46:53","modified_gmt":"2025-11-28T10:46:53","slug":"are-your-mutual-funds-trapped-understanding-the-exit-load-lock-in-period","status":"publish","type":"post","link":"https:\/\/navia.co.in\/blog\/are-your-mutual-funds-trapped-understanding-the-exit-load-lock-in-period\/","title":{"rendered":"Are Your Mutual Funds Trapped? Understanding the Exit Load Lock-in Period"},"content":{"rendered":"<ul><li><a class=\"aioseo-toc-item\" href=\"#aioseo-what-is-exit-load-in-mutual-fund-investing\">What is Exit Load in Mutual Fund Investing?<\/a><ul><\/ul><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-exit-load-calculation-a-simple-percentage\">Exit Load Calculation: A Simple Percentage<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-understanding-the-exit-load-structure\">Understanding the Exit Load Structure<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-exit-load-vs-expense-ratio-dont-confuse-them\">Exit Load vs. Expense Ratio: Don&#039;t Confuse Them!<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-conclusion\">Conclusion<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-frequently-asked-questions\">Frequently Asked Questions<\/a><\/li><\/ul>\n\n\n<p>After you have done your research, select a top-performance scheme and watch your investment growth. But when it comes to redeeming those hard-earned units, you might face a hidden charge off your total return that is called <strong>Exit Load. <\/strong>Both new and experienced investors should understand <strong>what is exit load in mutual fund <\/strong>is crucial. &nbsp;<\/p>\n\n\n\n<p>It is a mechanism that impacts your final withdrawal amount, and that can significantly alter your returns. So, if you want to avoid these unexpected fees, mastering the <strong>exit load <\/strong>concept is non-negotiable. This guide will demystify the <strong>exit load of mutual funds, <\/strong>explain the term, and show you how the exit calculation works in detail. &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-3c9ddd05750f72d5848d7fedc96b6e46\" id=\"aioseo-what-is-exit-load-in-mutual-fund-investing\" style=\"color:#023368\">What is Exit Load in Mutual Fund Investing?&nbsp;<\/h2>\n\n\n\n<p>The <strong>exit load <\/strong>is a fee charged by the Asset Management Company (AMC) to the investor when they sell their <a href=\"https:\/\/navia.co.in\/mutual-funds\" title=\"\">mutual fund<\/a> units, before a specified period has elapsed since the purchase date. It\u2019s like a penalty for early withdrawal, and some of the major purpose of the term is given below;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-ed1dc88668e54a6c788203f36b3af2ee\" id=\"aioseo-discourage-short-term-trading\" style=\"color:#ec4d37\">Discourage Short-Term Trading&nbsp;<\/h3>\n\n\n\n<p>We know that mutual funds are designed for long-term growth, especially equity funds. So, high-volume and short-term transactions can destabilize the fund manager\u2019s strategy and increase administrative costs for the AMC. &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-fe50c91a8dc81a6c6657ae9bb2e342a3\" id=\"aioseo-protect-long-term-investors\" style=\"color:#ec4d37\">Protect Long-Term Investors&nbsp;<\/h3>\n\n\n\n<p>By penalizing early exit, the load helps keep assets within the fund for longer, that allows the fund manager to maintain a stable portfolio and avoid forced selling of assets to meet the frequent redemption requests. &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-300e06e80b8c7f5a059cce71522b46c7\" id=\"aioseo-revenue-secondary\" style=\"color:#ec4d37\">Revenue (Secondary)<\/h3>\n\n\n\n<p>The fees collected from the investors often go back into the scheme\u2019s corpus (not the AMC\u2019s profit) to benefit the remaining long-term investors. &nbsp;<\/p>\n\n\n\n<p>In simple words, the <strong>exit load <\/strong>is a percentage fee that is charged on the Net Asset Value (NAV) of mutual fund units at the time of redemption. If the investor pulls out their money before a minimum holding period, typically from six months to two years. &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-3ee45028c721356b12c7e4c2d779c267\" id=\"aioseo-exit-load-calculation-a-simple-percentage\" style=\"color:#023368\">Exit Load Calculation: A Simple Percentage&nbsp;<\/h2>\n\n\n\n<p>The <strong>exit load calculation <\/strong>is expressed as a percentage of the Net Asset Value (NAV) per unit at the time of redemption. &nbsp;<\/p>\n\n\n\n<p>The standard formula is;&nbsp;<\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>Redemption Value = (NAV per Unit * Units Redeemed) &#8211; Exit Load Amount&nbsp;<\/strong><\/p>\n\n\n\n<p>Where:&nbsp;<\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>Exit Load Amount = (NAV per Unit * Units Redeemed) * Exit Load Percentage&nbsp;&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left\"><strong>Let\u2019s see an example calculation;<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left\">Just think that you invested in mutual fund scheme with the following terms:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Parameter<\/th><th>Value<\/th><\/tr><\/thead><tbody><tr><td>Initial Investment Date&nbsp;<\/td><td>January 1, 2024&nbsp;<\/td><\/tr><tr><td>Exit Load Term&nbsp;<\/td><td>1% if redeemed within 1 year&nbsp;<\/td><\/tr><tr><td>Investor Redemption Date&nbsp;<\/td><td>July 1, 2024 (6 months later)&nbsp;<\/td><\/tr><tr><td>Units Redeemed&nbsp;<\/td><td>1,000 units&nbsp;<\/td><\/tr><tr><td>NAV per Unit at Redemption&nbsp;<\/td><td>\u20b950.00&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Step 1: Determine the load<\/strong>&nbsp;<\/p>\n\n\n\n<p>Since the redemption occurred within the 1-year period, the 1% exit load applies.&nbsp;<\/p>\n\n\n\n<p><strong>Step 2: Calculate the Total Redemption Value (Before Load)<\/strong>&nbsp;<\/p>\n\n\n\n<p>Total Value = 1,000 units * \u20b950.00\/ unit = \u20b950,000&nbsp;<\/p>\n\n\n\n<p><strong>Step 3: Calculate the Exit Load Amount<\/strong>&nbsp;<\/p>\n\n\n\n<p>Exit Load Amount = \u20b950,000 * 1% = \u20b9500&nbsp;<\/p>\n\n\n\n<p><strong>Step 4: Calculate the Net Redemption Value<\/strong>&nbsp;<\/p>\n\n\n\n<p>Net Redemption Value = \u20b950,000 &#8211; \u20b9500 = \u20b949,500&nbsp;<\/p>\n\n\n\n<p>Here the investor receives \u20b949,500 with \u20b9500 being deducted as the <strong>exit load. <\/strong>&nbsp;<\/p>\n\n\n\n<a href=\"https:\/\/open.navia.co.in\/index-navia.php?utm_source=organic&#038;utm_medium=blog\" target=\"_blank\" style=\"display:flex; width:100%;\" ><img decoding=\"async\" src=\"https:\/\/d1l8l3rp33cdzs.cloudfront.net\/images\/naviacee\/Open-free-demat-account%20%28blog%29%20%281%29.gif\" width=\"80%\" \nheight=\"auto\"  style=\"border-radius:10px; margin:5px auto;\"\/><\/a>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-9cf2fe35a9048a42af5209da82279262\" id=\"aioseo-understanding-the-exit-load-structure\" style=\"color:#023368\">Understanding the Exit Load Structure&nbsp;<\/h2>\n\n\n\n<p>If you are analyzing <strong>what is exit load of mutual fund <\/strong>schemes, pay close attention to the following details:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Holding Period&nbsp;<\/td><td>Most critical factor, if redeemed within 365 days, 0% thereafter, if redeemed within 6 months, 0.5% and if redeemed between 6 and 12 months, 0% thereafter. The longer you hold the units, the smaller the penalty.&nbsp;<\/td><\/tr><tr><td>Free Limits&nbsp;<\/td><td>Many AMCs allow investors to withdraw a small portion of their investment free of charge, even during the lock-in period. Many funds permit withdrawal of 10% to 12% of the units (or the investment amount) purchased in a specific folio within the exit load period, free of any load.&nbsp;<\/td><\/tr><tr><td>Load vs. No-Load Funds&nbsp;<\/td><td>You will encounter two main types of funds;&nbsp;<strong>Load Funds: <\/strong>Schemes that charge either an entry load or an exit load.&nbsp;<strong>No-Load Funds: <\/strong>Schemes that charge neither an entry load nor an exit load. These are often preferred by investors seeking maximum flexibility.&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-8746f12deb067a9e5324814a1c114af9\" id=\"aioseo-exit-load-vs-expense-ratio-dont-confuse-them\" style=\"color:#023368\">Exit Load vs. Expense Ratio: Don&#8217;t Confuse Them!&nbsp;<\/h2>\n\n\n\n<p>Exit load and expense ratio are the important factors so, there is a chance to become confused with these factors. Will make it clear;&nbsp;<\/p>\n\n\n\n<p>\ud83d\udd38 <strong>Exit Load: <\/strong>A <strong>one-time fee <\/strong>that charged upon redemption, specifically aimed at deterring early withdrawal. <\/p>\n\n\n\n<p>\ud83d\udd38 <strong>Expense Ratio: <\/strong>It is an <strong>annual charge <\/strong>that is deducted daily from the fund\u2019s assets to cover all operating, management, and administrative costs. &nbsp;<\/p>\n\n\n\n<p>The expense ratio affects your returns daily, but the exit load only affects your return if you break the stipulated holding period. &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-3b427070870385258096b5802cef6b64\" id=\"aioseo-conclusion\" style=\"color:#023368\">Conclusion<\/h2>\n\n\n\n<p>Understanding <strong>what is exit load <\/strong>isn\u2019t about avoiding mutual funds; it\u2019s about making an informed decision about your investment horizon. If you choose a mutual fund, you should commit to holding it for the period required to achieve the 0% load, thereby avoiding any unnecessary fee on your hard-earned profits. And&nbsp;the <strong>exit load calculation <\/strong>will help to ensure that your exit is a truly profitable one. Always read the fine print\u2014that small percentage can make a big difference!&nbsp;<\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>Do You Find This Interesting?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-ad2f72ca wp-block-group-is-layout-flex\">\n<p>We\u2019d Love to Hear from you-<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/form.typeform.com\/to\/bpQ8ZlDc\"><img decoding=\"async\" width=\"300\" height=\"64\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/02\/Yes-No-Button-1.png\" alt=\"feedback yes or no button\" class=\"wp-image-8901\" srcset=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/02\/Yes-No-Button-1.png 300w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/02\/Yes-No-Button-1-150x32.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/figure>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-ef43ada3b93011f5beda8fe9255db0a7\" id=\"aioseo-frequently-asked-questions\" style=\"color:#023368\">Frequently Asked Questions<\/h2>\n\n\n<div class=\"wp-block-ub-content-toggle wp-block-ub-content-toggle-block\" id=\"ub-content-toggle-block-2a627e4f-8763-4d64-85a3-b459b3799075\" data-mobilecollapse=\"true\" data-desktopcollapse=\"true\" data-preventcollapse=\"false\" data-showonlyone=\"false\">\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #f1f1f1; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #f1f1f1;\" aria-controls=\"ub-content-toggle-panel-0-2a627e4f-8763-4d64-85a3-b459b3799075\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-2a627e4f-8763-4d64-85a3-b459b3799075\" style=\"color: #000000; \"><strong>What is a good exit load for a mutual fund?<\/strong>\u00a0<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #000000;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-0-2a627e4f-8763-4d64-85a3-b459b3799075\">\n\n<p>A good exit load is generally 0%. Investors should aim for a scheme that is a No-Load Fund.\u00a0<\/p>\n\n\n\n<p>If a fund does charge an exit load, the following structure is usually considered acceptable, as it reflects the fund&#8217;s <a href=\"https:\/\/navia.co.in\/blog\/category\/investments\/\" title=\"\">investment<\/a> objective:\u00a0<\/p>\n\n\n\n<p>\u27a4 <strong>Equity Funds:<\/strong> 0% if held for <strong>1 year<\/strong> or more.\u00a0<\/p>\n\n\n\n<p>\u27a4 <strong>Debt Funds (Liquid\/Ultra Short):<\/strong> 0% if held for a <strong>very short period<\/strong> (e.g., after 7-30 days) or 0% outright.\u00a0<\/p>\n\n\n\n<p>The faster the load drops to zero, the better the structure is for the investor&#8217;s flexibility.\u00a0<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #f1f1f1; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #f1f1f1;\" aria-controls=\"ub-content-toggle-panel-1-2a627e4f-8763-4d64-85a3-b459b3799075\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-2a627e4f-8763-4d64-85a3-b459b3799075\" style=\"color: #000000; \"><strong>How to avoid exit load in mutual funds?<\/strong>\u00a0<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #000000;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-1-2a627e4f-8763-4d64-85a3-b459b3799075\">\n\n<p>The most effective way to <strong>avoid exit load<\/strong> is to adhere to the fund&#8217;s mandate:\u00a0<\/p>\n\n\n\n<p>\u25c6 <strong>Hold Past the Lock-in Period:<\/strong> The easiest way is to ensure you do not redeem your units until the specified load period (usually 365 days for equity funds) has expired.\u00a0<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\"><\/ol>\n\n\n\n<p>\u25c6 <strong>Use the Free Limit:<\/strong> Most schemes allow you to redeem <strong>10% to 12% of your units<\/strong> purchased within the last year <em>without<\/em> incurring a load. Use this free limit for emergency withdrawals.\u00a0<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\"><\/ol>\n\n\n\n<p>\u25c6 <strong>Invest in No-Load Schemes:<\/strong> Choose funds that explicitly state a 0% exit load from the beginning.\u00a0<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\"><\/ol>\n\n\n\n<p>\u25c6 <strong>Use STP\/SWP Strategically:<\/strong> When using Systematic Transfer Plans (STP) or Systematic Withdrawal Plans (SWP), ensure the redemption is scheduled to occur only after the units being redeemed have completed their load period.\u00a0<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #f1f1f1; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #f1f1f1;\" aria-controls=\"ub-content-toggle-panel-2-2a627e4f-8763-4d64-85a3-b459b3799075\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-2a627e4f-8763-4d64-85a3-b459b3799075\" style=\"color: #000000; \"><strong>Is exit load charged after 1 year?<\/strong>\u00a0<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #000000;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-2-2a627e4f-8763-4d64-85a3-b459b3799075\">\n\n<p>Generally, no, the exit load is typically not charged after 1 year for most <a href=\"https:\/\/navia.co.in\/equity\" title=\"\">equity<\/a> and hybrid mutual funds in India.\u00a0<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #f1f1f1; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #f1f1f1;\" aria-controls=\"ub-content-toggle-panel-3-2a627e4f-8763-4d64-85a3-b459b3799075\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-2a627e4f-8763-4d64-85a3-b459b3799075\" style=\"color: #000000; \"><strong>Which exit load is good?<\/strong>\u00a0<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #000000;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-3-2a627e4f-8763-4d64-85a3-b459b3799075\">\n\n<p>The best exit load is 0%. A fund with 0% exit load is called a No-Load Fund. If an exit load is unavoidable because you like a particular fund, a &#8220;good&#8221; structure is one that is:\u00a0<\/p>\n\n\n\n<p>\u25c9 <strong>Minimal Percentage:<\/strong> No more than 1%.\u00a0<\/p>\n\n\n\n<p>\u25c9 <strong>Short Duration:<\/strong> The load applies for the shortest possible time (e.g., six months, not two years).\u00a0<\/p>\n\n\n\n<p>\u25c9 <strong>Has a High Free Limit:<\/strong> Allows redemption of a significant percentage (e.g., 15%) without load.\u00a0<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #f1f1f1; \" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #f1f1f1;\" aria-controls=\"ub-content-toggle-panel-4-2a627e4f-8763-4d64-85a3-b459b3799075\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-2a627e4f-8763-4d64-85a3-b459b3799075\" style=\"color: #000000; \"><strong>Is exit load taxable?<\/strong>\u00a0<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #000000;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-4-2a627e4f-8763-4d64-85a3-b459b3799075\">\n\n<p>No, the exit load itself is not taxable. The exit load is a fee that is deducted from your gross redemption amount, reducing the final amount you receive.\u00a0<\/p>\n\n<\/div>\n\t\t<\/div>\n<\/div>\n\n\n<p><strong>DISCLAIMER:<\/strong>&nbsp;<strong>Investment in securities market are subject to market risks, read all the related documents carefully before investing. The securities quoted are exemplary and are not recommendatory. Full disclaimer:&nbsp;<a href=\"https:\/\/bit.ly\/naviadisclaimer\">https:\/\/bit.ly\/naviadisclaimer<\/a><\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>After you have done your research, select a top-performance scheme and watch your investment growth. But when it comes to redeeming those hard-earned units, you might face a hidden charge off your total return that is called Exit Load. Both new and experienced investors should understand what is exit load in mutual fund is crucial. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14852,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[209],"tags":[841,11,7,21,22,53,23,32],"class_list":["post-14790","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds","tag-exit-load-lock-in-period","tag-financial-goals","tag-indian-stock-markets","tag-investments","tag-investor","tag-marketperformance","tag-mutual-funds","tag-wealth-creation"],"featured_image_src":"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/11\/Are-Your-Mutual-Funds-Trapped1-1.jpg","author_info":{"display_name":"Navia Markets","author_link":"https:\/\/navia.co.in\/blog\/author\/tradeplusonline\/"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/14790","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/comments?post=14790"}],"version-history":[{"count":6,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/14790\/revisions"}],"predecessor-version":[{"id":14853,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/14790\/revisions\/14853"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/media\/14852"}],"wp:attachment":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/media?parent=14790"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/categories?post=14790"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/tags?post=14790"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}