📈 Regular Mutual Funds
❌
No lock-in period
✅
Withdraw anytime
✅
Stop SIP anytime
💰 ELSS Funds
✅
3-year lock-in
❌
No early withdrawal
✅
Tax benefits under 80C
🔒 Close-ended Funds
✅
Locked till maturity
❌
No premature exit
📅
3-5 years typically
🛡️ ULIPs
✅
5+ year lock-in
❌
Insurance + Investment
⚠️
High charges initially
🧮 Check Your Fund's Lock-in Status
📊 HDFC Flexi Cap Fund Example
Fund Type: Open-ended Equity Mutual Fund
Lock-in Period: ❌ No lock-in
Exit Load: 1% if withdrawn within 12 months
SIP Flexibility: ✅ Can stop anytime, Can withdraw anytime