What does Capital protection oriented scheme work ?

A capital protection-oriented scheme invests primarily in fixed income securities, but also in equities. These schemes can be closed-ended with fixed maturity terms, such as tenors of five years. These schemes can last from three to five year. Structure of the scheme: Example, if the fund is INR 100 in cash, it would invest INR 80 into fixed-income securities and INR20 in equities. The money is invested so that the INR80 portion can grow to INR100 in three years, assuming the scheme has three years of maturity. The goal is to keep the INR100 capital intact until the scheme matures. This scheme is not focused on guaranteed returns, but rather protection of capital. Furthermore, the scheme's portfolio structure and not insurance coverage is responsible for the direction towards capital protection. Investors will not be offered guaranteed/indicated returns or a guarantee that the scheme will repay capital.