{"id":12320,"date":"2022-06-10T14:31:31","date_gmt":"2022-06-10T09:01:31","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=12320"},"modified":"2022-07-14T16:57:26","modified_gmt":"2022-07-14T11:27:26","slug":"what-is-an-exit-load","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/what-is-an-exit-load\/","title":{"rendered":"What is an exit load?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69f0e878b8027\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69f0e878b8027\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/what-is-an-exit-load\/#What_is_an_Exit_Load\" title=\"What is an Exit Load?\">What is an Exit Load?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/what-is-an-exit-load\/#What_is_an_exit_load_in_a_mutual_fund\" title=\"What is an exit load in a mutual fund?\">What is an exit load in a mutual fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/what-is-an-exit-load\/#Exit_loads_on_the_different_types_of_mutual_funds\" title=\"Exit loads on the different types of mutual funds\">Exit loads on the different types of mutual funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/what-is-an-exit-load\/#How_is_exit_load_calculated\" title=\"How is exit load calculated?\">How is exit load calculated?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/what-is-an-exit-load\/#Exit_Load_on_SIP\" title=\"Exit Load\u00a0on SIP\">Exit Load\u00a0on SIP<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/what-is-an-exit-load\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p>&nbsp;<\/p>\n<p><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/ZxzskmIyHDk\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">In this video by HDFC mutual fund, you will learn the meaning of exit load in mutual fund investments. You will learn how to calculate the penalty you might be charged if you redeem a mutual fund before its maturity date. Do let us know your thoughts in the comments section &#8211; are long-term investments in mutual funds worth it?\u00a0\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Mutual funds are a group of investments invested by individuals with the same financial objectives. Managing these funds is not always easy, and this is where Asset Management Companies (AMC) come in.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The role of these companies is to manage the mutual funds and make sure that the investment objectives are being attained. When managing these mutual funds, it is always important for the investors to know the costs associated with their investments, as such expenses and charges directly affect their returns. Some of these costs may be inevitable for the investors as they add value to the mutual fund scheme.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">For example, it is usually beneficial if financial experts (AMC) manage mutual funds to generate appropriate returns. Though, this service comes with a fee.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\"><img loading=\"lazy\" class=\"size-large wp-image-13417 aligncenter\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg\" sizes=\"(max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-300x98.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-768x250.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022.jpg 1080w\" alt=\"Online Fixed Deposits on Kuvera\" width=\"640\" height=\"209\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_an_Exit_Load\"><\/span>What is an Exit Load?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Exit load can be defined as the fee charged by fund houses (AMCs) when <a href=\"https:\/\/app.kuvera.in\/explore\/mf\/c\/all\">mutual fund<\/a> redemption is if the investors exit the scheme partially or entirely within the duration specified in the scheme information document. This does not mean that all schemes necessarily charge an exit fee.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u00a0The whole point of an exit load is to discourage investors from redeeming their investments before a certain duration. Due to this, the investors who do not want to redeem their investments prematurely don&#8217;t suffer because of those who do.\u00a0 An exit load fee can vary from fund house to fund house, though it does not differ exponentially. Before investing, one must understand the exit load structure to plan out their investments.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_an_exit_load_in_a_mutual_fund\"><\/span>What is an exit load in a mutual fund?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Any exit load charged from the investors is always credited to the scheme itself and never to the profits of the fund house. It should be noted that the exit load is calculated from the fund&#8217;s Net Asset Value (NAV) and not on the actual investment returns. Though the exit load does affect the overall returns of the mutual funds at the time of redemption, it can discourage investors from premature redemption.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Fund houses or AMCs cannot charge any extra fee as an exit load other than the amount specified in the document. Furthermore, any change in the exit load schemes can only be charged on the potential investments in the future, not on the ones already made.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Another interesting observation is that the exit load levied on a mutual fund scheme is different from the lock-in.\u00a0 As the investors are permitted to liquidate their funds once the exit load is levied, they are not allowed to do so during the lock-in period.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The exit load is not included in the expense ratio. Its primary purpose is to reduce the number of mutual fund withdrawals as they will not be charged any exit load if the investors redeem the funds after the duration agreed upon.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The remaining amount gets credited to the investor after a percentage is deducted from the net asset value in an exit load.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Exit_loads_on_the_different_types_of_mutual_funds\"><\/span>Exit loads on the different types of mutual funds<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">As said earlier, exit loads differ from fund house to fund house and even from mutual fund to mutual fund. Some mutual fund schemes can charge an exit load for an investment period of a couple of years, whereas some levy only for the first week.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">An exit load is not levied on overnight schemes.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">Even though an exit load can be charged on liquid schemes of less than 7 days, the fee decreases as the holding period decrease.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">In the case of <a href=\"https:\/\/app.kuvera.in\/explore\/mf\/c\/all\/debt\">debt funds<\/a>, exit load is generally charged on the redemption if the holding period is between a month to a year.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 <\/span><span style=\"font-weight: 400;\">In the case of equity funds, exit load is generally charged on the redemption if the holding period is between a year to two years.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_is_exit_load_calculated\"><\/span>How is exit load calculated?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">At the fund manager&#8217;s discretion, an exit load is always calculated on the net asset value. It is a percentage of the NAV, after which redemption is calculated by deducting it from the NAV.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><strong>For example: <\/strong>If an investor has redeemed 2000 units of a scheme with a net asset value of rupees 400 and the exit load is at 2%. The applicable net asset value for redemption will be 2% of rupees 400 deducted from rupees 400 (which is rupees 8 deducted from rupees 400), which is Rs. 392. Thus, the redemption proceeds for the investor would be Rs. 7,84,000 (Rupees 392 multiplied by 2000 units).<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Exit_Load_on_SIP\"><\/span>Exit Load\u00a0on SIP<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Each investment in SIP is considered a new purchase so it may be charged accordingly depending on the installment amount and the redemption amount.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Read more: <a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>Watch\/hear on YouTube:<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><iframe loading=\"lazy\" title=\"EPF, PPF and VPF | Tax Saving Investments for Guaranteed Returns\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/dbxbBR7it10?list=PLDSzQdT9nLmBFD2p94O5p2pZ4vEUR-Thz\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/app.kuvera.in\/\">Kuvera.in<\/a> to discover <a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\">Direct Plans<\/a> and <a href=\"https:\/\/app.kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a> and <a href=\"https:\/\/kuvera.in\/user\/login\">start investing today.<\/a><\/p>\n<p>#MutualFundSahiHai #KuveraSabseSahiHai!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; &nbsp; &nbsp; In this video by HDFC mutual fund, you will learn the meaning of exit load in mutual fund investments. You will learn how to calculate the penalty you might be charged if you redeem a mutual fund before its maturity date. Do let us know your thoughts in the comments section &#8211; [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/what-is-an-exit-load\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":12321,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[99,822],"tags":[607,154,949,903],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is an exit load? - Kuvera<\/title>\n<meta name=\"description\" content=\"Exit load refers to fees charged by fund houses when mutual fund redemption is if the investors exit the scheme partially or entirely within the duration specified in the scheme information document.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kuvera.in\/blog\/what-is-an-exit-load\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is an exit load? 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- Kuvera","description":"Exit load refers to fees charged by fund houses when mutual fund redemption is if the investors exit the scheme partially or entirely within the duration specified in the scheme information document.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/kuvera.in\/blog\/what-is-an-exit-load\/","og_locale":"en_US","og_type":"article","og_title":"What is an exit load? - Kuvera","og_description":"Exit load refers to fees charged by fund houses when mutual fund redemption is if the investors exit the scheme partially or entirely within the duration specified in the scheme information document.","og_url":"https:\/\/kuvera.in\/blog\/what-is-an-exit-load\/","og_site_name":"Kuvera","article_publisher":"https:\/\/www.facebook.com\/kuvera.in","article_published_time":"2022-06-10T09:01:31+00:00","article_modified_time":"2022-07-14T11:27:26+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/06\/Thumbnail-5.jpg","type":"image\/jpeg"}],"author":"Kuvera","twitter_card":"summary_large_image","twitter_creator":"@Kuvera_In","twitter_site":"@Kuvera_In","twitter_misc":{"Written by":"Kuvera","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/kuvera.in\/blog\/what-is-an-exit-load\/#article","isPartOf":{"@id":"https:\/\/kuvera.in\/blog\/what-is-an-exit-load\/"},"author":{"name":"Kuvera","@id":"https:\/\/kuvera.in\/blog\/#\/schema\/person\/6b774e7d3516942b9e0242c93d7cb307"},"headline":"What is an exit load?","datePublished":"2022-06-10T09:01:31+00:00","dateModified":"2022-07-14T11:27:26+00:00","mainEntityOfPage":{"@id":"https:\/\/kuvera.in\/blog\/what-is-an-exit-load\/"},"wordCount":917,"commentCount":0,"publisher":{"@id":"https:\/\/kuvera.in\/blog\/#organization"},"keywords":["exit load","Mutual Fund","mutual fund exit load","stock market tips"],"articleSection":["Investing 101","Mutual Funds"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/kuvera.in\/blog\/what-is-an-exit-load\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/kuvera.in\/blog\/what-is-an-exit-load\/","url":"https:\/\/kuvera.in\/blog\/what-is-an-exit-load\/","name":"What is an exit load? 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