How should I proceed? I want to invest in securities or mutual funds and I haven’t invested before.

It is very easy to get started with mutual funds in a completely paperless manner. Go for an app or online website like Jama.co.in to get started.

As a beginner, it is better to start with mutual funds rather than direct equity. You get the benefit of diversifying your investment across various stocks and stock categories. You get the services of a professional fund manager at a nominal cost.

When you invest, ensure you only do in Direct Plan variants of the Mutual Funds. You then get upto 40% more in long term portfolio size by avoiding commissions and brokers.