How to Invest & Withdraw
How to Invest in Mutual Funds
Direct via AMC, platforms, distributors or advisers — step by step.
Updated 27 September 2026 · SEBI rules as of 2026
Direct
AMC website/app, MF Central, platforms
How to Invest & WithdrawOverview
You can invest directly with an AMC, through online platforms (MF Central, MF Utility, exchange platforms, apps), a distributor (regular plan) or a SEBI-registered investment adviser (direct plan + fee).
| Particular | Details |
|---|---|
| Direct | AMC website/app, MF Central, platforms |
| Regular | Through distributors — includes commission |
| Payment | Net banking, UPI, mandate (NACH/UPI AutoPay) |
| Cash | Up to ₹50,000 per AMC per FY |
Steps
- Define the goalAmount, time horizon, risk
- Complete KYCOnce, via KRA
- Choose the schemeCategory → fund → direct plan
- Choose SIP or lump sumSet up mandate for SIP
- Add nomineeUp to 10 nominees
- TrackCAS, AMC app, annual review
Modes compared
| Mode | Plan | Note |
|---|---|---|
| AMC direct | Direct | One AMC per account |
| Platforms / apps | Direct or regular | Many AMCs, one login |
| Distributor | Regular | Advice + service, higher cost |
| RIA | Direct + fee | Fee-only advice |
Frequently asked questions
Do I need a demat account?
No, except for ETFs.
Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Information is educational and may change with SEBI / tax rules — verify with the AMC, AMFI or SEBI. FinancePortal is not an investment adviser.