Скачать или смотреть How to switch regular plan to direct plan Mutual fund ? | Regular plan ko direct plan kaise kare ?

In this video we will learn that how we can convert our existing regular plan mutual fund into direct plan mutual fund Or how to switch regular plan mutual fund into direct plan mutual fund OR how to change regular plan mutual fund into direct plan mutual fund.

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What are Direct and Regular Plans?

Direct and Regular Plans are two options of buying the same mutual fund scheme. A Direct Plan is where you buy a mutual fund directly from the fund house or the AMC (Asset Management Company) without the involvement of an agent or intermediary in the process of investing. On the other hand, a Regular Plan is where you invest in a mutual fund scheme with the help of an intermediary. In investments through regular plans, the investor is liable to pay a commission to the fund house who ultimately pays the required commission to the intermediary.
The only major difference between the two plans is that in a regular plan, you will have to incur higher expenses (which majorly includes the management fee for your funds by professionals known as the Expense Ratio). Owing to this, the returns earned on direct plans are eventually higher than the ones earned in regular plans. This is because in case of investment through direct plan, the commission is added to your investment balance, which reduces the expense ratio of your mutual fund scheme and increases your returns over the long-term.

How to switch from Regular to Direct Plan of a Mutual Fund Scheme
Before you choose to switch from a regular to a direct plan of mutual funds, you must note that for most funds, this will be treated as a Redemption for the regular plan. The process and the expenses to be incurred during this switch will be the same as the ones incurred at the time of redemption of mutual funds.

• Online Mode
you must follow the given steps-

Step 1: Login to your mutual fund account
Step 2: Go to the ‘Dashboard’ where all your mutual fund investments are listed
Step 3: Select the mutual fund scheme against which you find the word ‘Regular’ written
Step 4: This will display all the details related to that scheme. Click on the ‘Switch to Direct’ option available on the page
Step 5: Click on the ‘Confirm’ button and you are done. Now whenever you visit the ‘Dashboard’, you will find the word ‘Direct’ written against your invested scheme
It must be noted that for the tax and exit load purposes, such a switch is actually a redemption of the old scheme and a fresh purchase for the new one.

• Offline Mode

Switching from Regular to a Direct of your Mutual Fund Scheme through the offline mode will require you to follow the given steps-
Step 1: Visit the nearest branch of the mutual fund house in whose scheme you have invested
Step 2: Ask for a ‘Switch’ Form. If this option is not available with your fund house, you need to ask for a Redemption form
Step 3: Fill in the required details, Sign and Submit it
Step 4: You will receive an email from the fund house when the switch is processed. In case of redemption, you will have to fill up a fresh purchase form for the direct plan once the money gets credited to your account


Things to consider while switching from Regular to Direct Plan

• Lock-in Period- Regular investments can be transferred to direct plans only if the lock-in period of the regular units has ended. Locked-in units such as units of ELSS schemes prior to completion of the 3 year lock-in period and closed-ended schemes cannot be switched from the current scheme to a new direct mutual fund unless the lock-in period of the scheme has ended.

Taxation, exit Load etc....


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