Direct Mutual Funds kaise kharidein bina agent ke? 2025 me agar aap apna paisa mutual funds me laga rahe hain to ek intelligent investor banna zaroori hai. Bahut se log abhi bhi agents ke through mutual fund me invest karte hain, jahan unhe chhupay commissions aur extra charges dene padte hain. Lekin ek smart alternative hai — Direct Mutual Funds, jisme aap seedhe fund house ke through invest karte hain bina kisi agent ke.
Direct plans me aapko wahi fund milta hai jo regular plan me hota hai, lekin bina kisi commission ke. Yani aapka return zyada hota hai sirf isliye kyunki beech me koi broker nahi hota. Agar aap naye investor hain, to yeh guide aapko step-by-step samjhayegi ki bina kisi advisor ya third-party ke aap kaise khud se direct mutual fund me invest kar sakte hain — safely, smartly aur confidently.
Direct Mutual Funds kaise kharidein bina agent ke? Direct Mutual Funds kya hote hain?
Direct Mutual Funds wahi schemes hoti hain jo mutual fund companies offer karti hain, lekin inhe kharidne ke liye aap kisi agent, broker ya distributor ka sahara nahi lete. Jab aap fund house ki website ya app ke through directly invest karte hain, to aapko ye ‘direct plan’ ke naam se milta hai.
In funds me koi commission nahi hota, isliye iska expense ratio kam hota hai. Kam expense ka seedha fayda hota hai ki aapko zyada returns milte hain long-term me.
Bina agent ke invest karne ke kya faayde hain?
Aap jab direct plan me invest karte hain, to aapko:
- Commission ya brokerage charges nahi dene padte.
- Har saal ka expense ratio kam padta hai.
- Returns zyada milte hain, kyunki fund ka performance same hota hai but aapka cost kam hota hai.
2025 me online investing tools ke aane se direct mutual funds lena ab pehle se kaafi asaan ho gaya hai.
Direct Mutual Funds kaise kharidein? (Step-by-Step Process)
- KYC (Know Your Customer) complete karein: Aapko PAN, Aadhaar, bank details aur photo dena hota hai.
- Fund house choose karein: Jaise SBI Mutual Fund, HDFC Mutual Fund, Axis Mutual Fund etc.
- Inki official website par jayein ya app download karein.
- ‘Invest Now’ ya ‘Start SIP’ par click karein: Fund select karein aur amount bharein.
- Bank mandate setup karein SIP ke liye: Agar aap regular invest karna chahte hain to auto-debit allow karein.
Ek baar setup ho jaaye to aap future me easily login karke aur investments dekh sakte hain ya naye funds me invest kar sakte hain.
2025 me best platforms jahan se aap direct mutual funds kharid sakte hain
Agar aapko fund houses ki website confusing lagti hai, to kuch independent platforms bhi hain jahan aap direct funds le sakte hain bina kisi hidden fee ke. Jaise:
- Groww App – beginner-friendly aur simple UI
- Kuvera – zero commission platform
- Paytm Money – SEBI registered aur trusted
- Zerodha Coin – direct mutual fund investing with demat integration
Yeh platforms aapke saare investments ko ek jagah manage karne me help karte hain.
Kya naye investors ke liye yeh sahi option hai?
Haan, naye investors ke liye Direct Mutual Funds ek sahi option hai agar:
- Aap thoda research kar sakte hain fund ke baare me
- Aapko long-term investing ka patience hai
- Aap high commission dena avoid karna chahte hain
2025 me information aur tools dono available hain, sirf aapko apne liye right fund choose karna hota hai.
Regular plan aur Direct plan me kya antar hota hai?
Regular plan me aap agent ke through invest karte hain jise commission milta hai, jabki direct plan me koi beech wala nahi hota. Isliye direct plan ka expense ratio kam hota hai aur returns zyada. Performance dono ka same hota hai, par actual return investor ke liye better hota hai direct plan me.
Direct Mutual Funds kaise kharidein bina agent ke?
FAQs Direct Mutual Funds kaise kharidein bina agent ke
Q1. Kya direct mutual fund me risk zyada hota hai?
Nahi, risk same hota hai. Bas aapko advisor ki madad nahi milti.
Q2. Kya agent ke bina fund select karna mushkil hota hai?
Agar aap thoda research karein to mushkil nahi hai.
Q3. Kya direct plan me SIP possible hai?
Haan, aap direct plan me bhi SIP setup kar sakte hain easily.
Q4. Kya fund switch kar sakte hain regular se direct me?
Haan, lekin usme exit load ya capital gain tax lag sakta hai.
Q5. Kya mobile app se direct funds lena safe hai?
Haan, agar aap SEBI registered apps use karein to bilkul safe hai.
Q6. Kya sabhi funds ka direct version hota hai?
Haan, almost sabhi mutual fund houses direct plan offer karte hain.
Q7. Kya main Groww aur Kuvera dono use kar sakta hoon?
Haan, aap multiple platforms se bhi manage kar sakte hain, lekin tracking thoda complex ho sakta hai.
Conclusion Direct Mutual Funds kaise kharidein bina agent ke
Agar aap naye investor hain aur chaahte hain ki aapke returns par kisi third-party ka commission na lage, to direct mutual funds ek smart option hain. Aap bina kisi agent ke, sirf thodi si research aur online access ke zariye apna mutual fund journey shuru kar sakte hain. 2025 me iske liye best tools, apps aur support available hain — aap bas ek sahi shuruaat karein.
Agar aapko yeh guide useful lagi ho, to ise apne doston ke saath share karein — ho sakta hai wo bhi agents se bacha hua paisa earn karna chahein!
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