Learn how to purchase direct mutual fund in India online without any broker. Step-by-step process, benefits, apps, documents required, and expert tips explained in simple Hinglish for new investors.
💡 Introduction: Mutual Fund Investment Ka Modern Way
Aaj ke time me investment karna sirf savings account me paisa rakhna nahi hai — smart investors apna paisa mutual funds me invest karte hain taaki better returns mil sakein.
Lekin jab baat hoti hai direct mutual fund ki, to bahut log confuse ho jaate hain ke “Direct mutual fund kya hota hai aur kaise khareedein?”
Iss article me hum detail me samjhenge how to purchase direct mutual fund in India — bina kisi agent ya broker ke.
📘 1. Direct Mutual Fund Kya Hota Hai?
Sabse pehle yeh samajhiye ke mutual fund ke do type ke plans hote hain:
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Regular Plan:
Isme aap kisi broker ya distributor ke through invest karte ho.
Unhe commission milta hai (usually 0.5% to 1%). -
Direct Plan:
Isme aap fund house (AMC) se directly invest karte ho — bina kisi middleman ke.
Yaha expense ratio kam hota hai, jisse aapke returns badhte hain.
Toh agar aap genuinely better profit chahte ho, toh samajhna zaruri hai how to purchase direct mutual fund directly from AMC ya trusted platforms.
💰 2. Why Choose Direct Mutual Funds?
Yeh sabse common sawal hai: “Direct plan hi kyu?”
Toh aaiye samjhte hain:
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No Commission Deduction: Aapka har paisa direct fund me invest hota hai.
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Higher Returns: Long-term me 0.5–1% tak extra returns milte hain.
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Full Control: Aap apne investments khud manage kar sakte ho.
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Transparency: Fund details, NAV, aur expense ratio sab clear hota hai.
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Easy Online Access: Aapko agent ya distributor ki zarurat nahi padti.
Yaani agar aap financially smart investor banna chahte ho, toh seekhna zaruri hai how to purchase direct mutual fund.
🧾 3. Documents Required for Direct Mutual Fund Purchase
Direct mutual fund me invest karne ke liye aapko ye basic documents chahiye:
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PAN Card
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Aadhaar Card
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Bank Account with IFSC Code
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Mobile Number aur Email ID
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Passport Size Photo (optional)
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Signature (for KYC verification)
Ye documents KYC ke liye required hain, bina iske aap investment start nahi kar sakte.
🌐 4. How to Purchase Direct Mutual Fund (Step-by-Step Guide)
Ab hum aate hain main topic par — how to purchase direct mutual fund practically kaise karein 👇
Step 1: KYC Complete Karein
Aapko sabse pehle SEBI-registered KYC karwana hoga.
Yeh aap online kar sakte ho CAMS, KFintech, Groww, Paytm Money, ya AMC website se.
Step 2: AMC Website Visit Karein
Aap jiska fund lena chahte ho, us AMC (fund house) ki official website pe jaayein.
Example:
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SBI Mutual Fund → sbimf.com
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HDFC Mutual Fund → hdfcfund.com
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ICICI Prudential → icicipruamc.com
Step 3: Scheme Choose Karein
Apne investment goal ke hisaab se scheme select karein (Equity, Debt, Hybrid, ELSS etc.).
Step 4: Direct Plan Select Karein
Yahan sabse important step hai:
Select “Direct Plan – Growth Option” (Regular plan nahi).
Step 5: Investment Mode Select Karein
Aap invest kar sakte ho:
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Lump Sum: One-time investment
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SIP (Systematic Investment Plan): Monthly fixed amount
Step 6: Payment Karein aur Confirmation Le
Payment net banking ya UPI se karein.
Transaction successful hone par aapko confirmation email milta hai.
Aise hi simple process se aap samajh jaoge how to purchase direct mutual fund from anywhere in India.
📱 5. Best Platforms to Buy Direct Mutual Funds Online
Aaj ke time me kuch trusted apps aur websites available hain jahan se aap direct plans me invest kar sakte ho:
| Platform | Features |
|---|---|
| Groww | User-friendly app, 100% direct plans |
| Kuvera | Free financial goal tracking |
| Paytm Money | Auto SIP setup, easy UI |
| ET Money | Expense tracker with fund comparison |
| Zerodha Coin | Linked to trading account, zero commission |
In sab platforms par aap easily seekh sakte ho how to purchase direct mutual fund practically.
📊 6. Example of Return Difference: Regular vs Direct
| Plan Type | Investment Amount | Annual Return | 10-Year Corpus |
|---|---|---|---|
| Regular Plan | ₹10,000/month | 11% | ₹20.6 Lakh |
| Direct Plan | ₹10,000/month | 12% | ₹22.1 Lakh |
Dekha? Sirf 1% ka difference long-term me ₹1.5 lakh ka extra return de deta hai.
Yahi reason hai ki aapko abhi seekhna chahiye how to purchase direct mutual fund properly.
📈 7. Tips Before Investing in Direct Mutual Funds
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Hamesha fund performance aur expense ratio check karein.
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SIP start karne se pehle risk profile samjhein.
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Diversify – ek hi AMC me pura paisa mat daalein.
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Har 6 mahine me apna portfolio review karein.
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Financial goal ke hisaab se fund choose karein (short term vs long term).
❓ FAQ – How to Purchase Direct Mutual Fund in India
Q1. Kya direct mutual fund me agent ki zarurat hoti hai?
Nahi, direct fund me aap khud invest karte ho — koi middleman nahi hota.
Q2. Kya direct mutual fund safe hai?
Haan, bilkul safe hai — ye SEBI aur AMFI regulated funds hote hain.
Q3. Kya mai SIP aur lump sum dono me invest kar sakta hoon?
Haan, dono option available hain. SIP long-term ke liye best hai.
Q4. Direct mutual fund kharidne ke liye minimum amount kitna hai?
Usually ₹500 se ₹1000 tak SIP start kiya ja sakta hai.
Q5. Kya mai direct fund me app se invest kar sakta hoon?
Haan, Groww, Zerodha Coin, Paytm Money, Kuvera jaise apps me direct fund option milta hai.
⚠️ Investment Disclaimer (Warning Message)
Disclaimer: Is article me di gayi how to purchase direct mutual fund ki jankari sirf educational aur informational purpose ke liye hai.
Mutual fund investments market risk ke subject hote hain. Past performance future returns ki guarantee nahi hoti.
Koi bhi investment decision lene se pehle apne financial advisor se salah zarur lein.
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