Скачать или смотреть How to switch from Regular to Direct Plans

Steps

• 3-step path:
1. Download Groww or INDmoney and open your account.
2. Import your mutual funds via PAN.
3. Use the “Switch” option to move Regular → Direct for future investments.

• Live example:

You invest ₹10,000/month in HDFC Flexi Cap (Regular) and your current corpus is ₹10,00,000.

— After switching, your future SIP goes to HDFC Flexi Cap (Direct).

— What about the ₹10 lakh you already hold in HDFC Flexi Cap (Regular)

If you sell the full amount, it will cost you the following:

— Units bought in the last 12 months: Exit Load (as per scheme) + STCG @ 20%.

— Units older than 12 months: LTCG @ 12.5% on gains above ₹1.25 lakh in a financial year.

• Smart way to minimize this cost:

— First redeem units that are 12 months old (no exit load and STCG).

— And Sell Only that many MF Units so that Profits donot exceed 1.25 Lacs in 1 Year

— Reinvest the redeemed amount as a lump sum into the Direct plan so compounding continues.


“Disclaimer

The information served in this video is provided on a general basis for educational purposes only.

This is not to be relied on as investment, legal, tax or other advice as it does not take into account the investment objectives, financial situation or particular needs of any specific person.

Follow @gaurav.mahawar.ig if you like our content.

(money, wealth, personal finance, finance, investment, direct mutual fund, regular mutual fund, SIP, exit load, LTCG, STCG, Groww, INDmoney, PAN, HDFC Flexi Cap)

What will you do now?

A) I will Switch Regular SIP to Direct as soon as possible

B) Stay in Regular (for now)

C) I invest only in Direct Mutual Funds

D) I am yet to invest in Mutual Funds


About the Content Creator:-

Hi! I am Gaurav Mahawar, an IIM MBA graduate and a Corporate employee turned Entrepreneur. I also create content on Personal Finance. I break down complex financial concepts and business principles for my young audience.

I am dedicated to making an impact through my work.