If suppose I invest in good equity diversified mutual fund (8 or 10 equity diversified 20000?

Looks like you are investing in India. I don't really know how the mutual fund structure is in India. As far as I know, Mutual Fund NAV and Market Price should very closely related within 0-3% differences.So a Diversified equity fund should consist of many different stocks.

Unless all the stocks in the fund go to Zero, your mutual fund will never go to zero.

I am not that big on funds I just know buy what My parents have invested in. And what I feel is worth investing in. Something that shows promise for the future and continues to grow is what I go buy and how long it has been in affect, with great standings.

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