Investing in public sector mutual fund schemes in India can help you grow your money with less risk. These funds pool money from many investors and invest it in a variety of stocks or bonds. By spreading out the investments, they reduce the risk for individual investors. The study looked at how these mutual funds perform in terms of both risk and return. It found that they offer a good balance of potential reward and safety, making them a smart choice for those who want to invest in the stock market without having to know all the ins and outs.