What is a mutual fund factsheet? (2026)
To answer what is a mutual fund factsheet: it is the monthly one-document summary a fund house publishes for each of its schemes. It pulls together the scheme's top holdings, asset and sector mix, past returns, costs, size, and who manages it. Think of it as the scheme's monthly report card, drawn from the same underlying data the fund is required to disclose to regulators.
Definition
A mutual fund factsheet
is a monthly summary document that a fund house publishes for each scheme, showing its top holdings, sector and asset allocation, past returns, expense ratio, assets under management, benchmark, and fund manager. It is a dated snapshot, not a live view of the portfolio. Source: AMFI.
What is a mutual fund factsheet made of?
A factsheet is built from the disclosures a fund is already required to make. The standard sections are consistent across fund houses because AMFI sets a common format. Reading one means knowing what each part is telling you.
- Top holdings and allocation: the largest positions, plus the split across sectors and asset types.
- Returns: past performance over standard periods against a stated benchmark.
- Expense ratio: the annual cost of running the scheme, as a percentage.
- AUM and fund manager: how large the scheme is and who runs it.
- Portfolio metrics: for debt, measures like average maturity and yield to maturity.
How the factsheet relates to the full portfolio
The factsheet shows the top holdings, but the complete list sits in a separate disclosure. SEBI requires every fund house to publish the full portfolio of each scheme monthly, on its own website and on the AMFI site, within 10 days of month-end. Debt schemes disclose fortnightly, within five days of each fortnight. That full portfolio names every security, its quantity, market value, and share of net assets.
10 days
Deadline for a fund house to publish a scheme's full monthly portfolio after month-end
Source: SEBI mutual fund disclosure rules, AMFI
How to read a factsheet without over-reading it
A factsheet is a dated snapshot, so read it with its limits in mind.
- Check the as-of date. Holdings reflect month-end and publish up to 10 days later.
- Returns are past data. They describe what happened, not what will.
- The top holdings are a slice. For the full list, go to the monthly portfolio disclosure, which is where you can see which funds are buying a stock.
If you want the wider context, a factsheet sits alongside other public disclosures like the quarterly shareholding pattern and, for private vehicles, the very different world of an AIF, which does not publish holdings at all.
So, what is a mutual fund factsheet in one line: a monthly, sourced snapshot of a scheme, useful precisely because it is dated and standardised. Flock reads public filing data and keeps every figure stamped with its source and date. What any of it means for you is your call to make.
Frequently asked questions
How often is a mutual fund factsheet published?
Fund houses publish a factsheet every month. Separately, SEBI requires the full scheme portfolio to be disclosed monthly on the AMC and AMFI websites within 10 days of month-end, and fortnightly for debt schemes. Source: SEBI, AMFI.
What does a mutual fund factsheet show?
A factsheet summarises a scheme's top holdings, sector and asset allocation, past returns, expense ratio, assets under management, fund manager, and benchmark. It is a monthly snapshot of how the scheme is positioned. Source: AMFI.
Where can I find a mutual fund's full portfolio?
Every fund house must publish the complete portfolio of each scheme monthly on its own website and on the AMFI website within 10 days of month-end. This lists every security, its quantity, market value, and percentage of net assets. Source: SEBI.
Is factsheet data current?
It is a monthly snapshot and is lagged. Holdings reflect the month-end date and publish within 10 days after, so the fund may have traded since. Always check the date the factsheet or portfolio refers to. Source: SEBI, AMFI.
Flock tracks these filings, sourced, dated, and linked back to the original. See what smart-money entities disclosed, without the guesswork about what it means.
Disclosures shown are public regulatory filings. Data may be delayed or incomplete. Smart-money entities may no longer hold positions shown. Not investment advice.