{"id":18508,"date":"2022-11-17T15:13:13","date_gmt":"2022-11-17T09:43:13","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=18508"},"modified":"2024-08-09T13:55:34","modified_gmt":"2024-08-09T08:25:34","slug":"a-guide-on-how-to-shift-or-switch-mutual-funds","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/a-guide-on-how-to-shift-or-switch-mutual-funds\/","title":{"rendered":"A Guide on How to Shift or Switch Mutual Funds ?"},"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-69d9034724187\" 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-69d9034724187\"><\/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\/a-guide-on-how-to-shift-or-switch-mutual-funds\/#What_Is_The_Meaning_Of_Switching_Mutual_Funds\" title=\"What Is The Meaning Of Switching Mutual Funds?\">What Is The Meaning Of Switching Mutual Funds?<\/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\/a-guide-on-how-to-shift-or-switch-mutual-funds\/#When_Should_You_Consider_A_Mutual_Fund_Switch\" title=\"When Should You Consider A Mutual Fund Switch?\">When Should You Consider A Mutual Fund Switch?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/a-guide-on-how-to-shift-or-switch-mutual-funds\/#The_following_possibilities_are_possible\" title=\"The following possibilities are possible:\">The following possibilities are possible:<\/a><\/li><\/ul><\/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\/a-guide-on-how-to-shift-or-switch-mutual-funds\/#How_To_Switch_Mutual_Funds\" title=\"How To Switch Mutual Funds?\">How To Switch Mutual Funds?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/a-guide-on-how-to-shift-or-switch-mutual-funds\/#Switching_Within_The_Same_Mutual_Fund_Scheme\" title=\"Switching Within The Same Mutual Fund Scheme:\">Switching Within The Same Mutual Fund Scheme:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/a-guide-on-how-to-shift-or-switch-mutual-funds\/#Switching_To_A_Different_Mutual_Fund_Scheme\" title=\"Switching To A Different Mutual Fund Scheme:\">Switching To A Different Mutual Fund Scheme:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/a-guide-on-how-to-shift-or-switch-mutual-funds\/#Steps_For_Switching_Regular_to_Direct_Mutual_Fund_Scheme\" title=\"Steps For Switching Regular to Direct Mutual Fund Scheme\">Steps For Switching Regular to Direct Mutual Fund Scheme<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/a-guide-on-how-to-shift-or-switch-mutual-funds\/#Online_Method_-_Through_AMCs_Website\" title=\"Online Method &#8211; Through AMC\u2019s Website\">Online Method &#8211; Through AMC\u2019s Website<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/a-guide-on-how-to-shift-or-switch-mutual-funds\/#Online_Platforms\" title=\"Online Platforms\">Online Platforms<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/a-guide-on-how-to-shift-or-switch-mutual-funds\/#Offline_Method\" title=\"Offline Method\">Offline Method<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/kuvera.in\/blog\/a-guide-on-how-to-shift-or-switch-mutual-funds\/#Switching_Between_Mutual_Funds_Important_Considerations\" title=\"Switching Between Mutual Funds: Important Considerations\">Switching Between Mutual Funds: Important Considerations<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kuvera.in\/blog\/a-guide-on-how-to-shift-or-switch-mutual-funds\/#How_Much_Do_I_Need_to_Switch\" title=\"How Much Do I Need to Switch?\">How Much Do I Need to Switch?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/kuvera.in\/blog\/a-guide-on-how-to-shift-or-switch-mutual-funds\/#Why_Do_I_Need_To_Consolidate_My_Portfolios\" title=\"Why Do I Need To Consolidate My Portfolios?\">Why Do I Need To Consolidate My Portfolios?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/kuvera.in\/blog\/a-guide-on-how-to-shift-or-switch-mutual-funds\/#Why_Do_I_Need_To_Reassess_My_Portfolio\" title=\"Why Do I Need To Reassess My Portfolio?\">Why Do I Need To Reassess My Portfolio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/kuvera.in\/blog\/a-guide-on-how-to-shift-or-switch-mutual-funds\/#Should_You_Invest_In_A_High-yielding_Mutual_Fund\" title=\"Should You Invest In A High-yielding Mutual Fund?\">Should You Invest In A High-yielding Mutual Fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/kuvera.in\/blog\/a-guide-on-how-to-shift-or-switch-mutual-funds\/#Should_You_Switch_To_An_NFO\" title=\"Should You Switch To An NFO?\">Should You Switch To An NFO?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/kuvera.in\/blog\/a-guide-on-how-to-shift-or-switch-mutual-funds\/#How_Do_I_Change_My_SIP_From_One_Fund_To_Another\" title=\"How Do I Change My SIP From One Fund To Another?\">How Do I Change My SIP From One Fund To Another?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/kuvera.in\/blog\/a-guide-on-how-to-shift-or-switch-mutual-funds\/#When_Is_The_Best_Time_To_Switch_Mutual_Funds\" title=\"When Is The Best Time To Switch Mutual Funds?\">When Is The Best Time To Switch Mutual Funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/kuvera.in\/blog\/a-guide-on-how-to-shift-or-switch-mutual-funds\/#How_Can_I_Switch_My_Mutual_Fund_Online\" title=\"How Can I Switch My Mutual Fund Online?\">How Can I Switch My Mutual Fund Online?<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">When transferring funds from one investment plan to another, the funds are switched. Investors can switch mutual funds between two separate schemes in which money is taken from fund A via a sell order and invested in fund B via a purchase order. However, switching in and out of mutual funds is a major obstacle when investing. Continue reading to learn how to switch from one fund to another.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><b><a href=\"https:\/\/kuvera.in\/dl\/v2\/?redirect_to=dashboard-invest\/all\/invest-sip?source=blog\"><img loading=\"lazy\" class=\"alignnone wp-image-29759\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/04\/SIP-banner-1024x256.png\" alt=\"Start SIP on Kuvera\" width=\"600\" height=\"150\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/04\/SIP-banner-1024x256.png 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/04\/SIP-banner-300x75.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/04\/SIP-banner-768x192.png 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/04\/SIP-banner-1536x384.png 1536w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/04\/SIP-banner-2048x512.png 2048w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/04\/SIP-banner-150x38.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><\/b><\/h4>\n<p>&nbsp;<\/p>\n<h2 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"What_Is_The_Meaning_Of_Switching_Mutual_Funds\"><\/span>What Is The Meaning Of Switching Mutual Funds?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Switching is the process of moving all or a portion of your investment from one <a href=\"https:\/\/kuvera.in\/mutual-funds\/\">mutual fund scheme<\/a> to another.<\/span><span style=\"font-weight: 400;\">Switching fund houses are referred to as &#8220;Switch-in, Switch-out,&#8221; when you transfer your mutual funds from one fund house to another. In this situation, you must first acquire units in the fund target and then redeem units from the fund source. Exit fees and capital gain payments are also included.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Switching inside the same fund firm requires switching between schemes or from a regular to a direct plan, as we&#8217;ve seen in prior examples. Regular plans and direct plans vary in that regular plans contain commissions you pay to a qualified broker, whereas direct plans do not.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"When_Should_You_Consider_A_Mutual_Fund_Switch\"><\/span>When Should You Consider A Mutual Fund Switch?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Switching funds can happen for a variety of reasons, including a shift in investor objectives, poor performance of the present fund scheme, or a desire to manage mutual funds on their own. However, it&#8217;s crucial to consider if your fears are actually justified before making any choice regarding switching mutual funds.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"The_following_possibilities_are_possible\"><\/span>The following possibilities are possible:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you wish to go from equity to debt funds, or the other way around.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you&#8217;re switching from regular to direct funds.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you want to select a fund with higher returns.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">When switching from growth to dividend funds.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">A switch may be requested by completing a switch form or sending a letter containing switch details. Investors must select a mutual fund scheme, strategy, and unit switching option.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"How_To_Switch_Mutual_Funds\"><\/span>How To Switch Mutual Funds?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"Switching_Within_The_Same_Mutual_Fund_Scheme\"><\/span>Switching Within The Same Mutual Fund Scheme:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">You must fill out a switch form if you want to change mutual fund houses. Specify the units to be transferred from the current mutual fund scheme to the destination fund scheme in that switching form. Both switch-in and switch-out must meet the requirements for the minimum investment amount. The effects of exit load and capital gains tax must be taken into account while switching. The settling term for a switch within the same fund house is not problematic.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"Switching_To_A_Different_Mutual_Fund_Scheme\"><\/span>Switching To A Different Mutual Fund Scheme:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">You are essentially selling your investment in one mutual fund and investing it in another fund when you change to a new mutual fund scheme. You can submit a redemption request from the initial amount and wait for the funds to arrive in your bank account. Before redeeming assets, take tax ramifications and exit loads into account. After obtaining credits from the first mutual fund, complete the application for the mutual fund scheme where you want to reinvest the revenues.<\/span><\/p>\n<p>&nbsp;<\/p>\n<blockquote><p>Wealth for your financial goals from just \u20b9500 per month. <a href=\"https:\/\/kuvera.in\/dl\/v2\/?redirect_to=dashboard-invest\/all\/invest-sip?source=blog\">Start SIP<\/a> now.<\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"Steps_For_Switching_Regular_to_Direct_Mutual_Fund_Scheme\"><\/span>Steps For Switching Regular to Direct Mutual Fund Scheme<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">If you&#8217;re certain that switching from a regular plan to a direct plan is what you want to do, it&#8217;s simple to transfer funds online and offline.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4 style=\"color: black; font-size: 17px;\"><span class=\"ez-toc-section\" id=\"Online_Method_-_Through_AMCs_Website\"><\/span>Online Method &#8211; Through <b>AMC\u2019s Website<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Prior to engaging in any online mutual fund transactions, confirm that you have registered with your asset management company.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><strong>Step 1:<\/strong> Sign in to your account. Verify your mutual fund&#8217;s status.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><strong>Step 2:<\/strong> Visit the &#8220;Transaction&#8221; Page. You can buy, exchange, or redeem money here. Choose the &#8220;Switch&#8221; option, then select the new plan you wish to join. Make sure the plan contains &#8220;Direct&#8221; in the name if switching from regular to direct.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><strong>Step 3:<\/strong> Your fund house will get a notice along with the modification request.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><strong>Step 4:<\/strong> As long as you make the request before 3 pm, units for sums under 2 lakhs will be transferred the same day. The process of allocating units takes a day for sums of more than 2 lakhs. It is important to realise that while your money begins to operate right away, the actual transfer of units from your source scheme to your target scheme takes three days.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><strong>Step 5:<\/strong> Log in after 4 days to see if your plan&#8217;s status has been altered in accordance with your request.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4 style=\"color: black; font-size: 17px;\"><span class=\"ez-toc-section\" id=\"Online_Platforms\"><\/span>Online Platforms<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">You can also switch funds easily, safely and securely using online portals such as Kuvera.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><strong>Step 1:<\/strong> Log in to Kuvera and create an account with all the required information.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><strong>Step 2:<\/strong> Observe the steps under the Import Portfolio tab. You can start placing orders in the same folios as your current regular and direct plans right away when the system read and process your Consolidated Account Statement.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><strong>Step 3:<\/strong> Click &#8220;Manage Funds&#8221; on the &#8220;Portfolio&#8221; tab to get started. &#8221; Select &#8220;Switch&#8221; to begin the process of switching.<\/span><\/p>\n<p>&nbsp;<\/p>\n<blockquote><p>Wealth for your financial goals from just \u20b9500 per month. <a href=\"https:\/\/kuvera.in\/dl\/v2\/?redirect_to=dashboard-invest\/all\/invest-sip?source=blog\">Start SIP<\/a> now.<\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4 style=\"color: black; font-size: 17px;\"><span class=\"ez-toc-section\" id=\"Offline_Method\"><\/span>Offline Method<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">You must follow the same procedure as previously, just in person, to transfer money offline.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><strong>Step 1:<\/strong> Visit the office of your mutual fund<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><strong>Step 2:<\/strong> Request a transaction-switch form and complete it with all the necessary information, including the name of your fund, your folio number, and the target scheme you wish to convert to.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><strong>Step 3:<\/strong> Submit the form.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><strong>Step 4:<\/strong> After your request has been processed, the fund house will contact your registered email address with the updated account information.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><\/h4>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"Switching_Between_Mutual_Funds_Important_Considerations\"><\/span>Switching Between Mutual Funds: Important Considerations<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<ul>\n<li><b>Tax<\/b><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">As mutual fund transactions are subject to capital gains tax, you will incur either short-term or long-term capital gains tax. When transferring from an old fund to a new one or across schemes, this is considered a redemption. For example, if you decide to switch from the regular plan to the direct plan, you must pay capital gains tax. In this instance, the process of switching is deemed redemption, and so tax is imposed. The following table displays the tax rates for long-term and short-term funds:<\/span><\/p>\n<p>&nbsp;<\/p>\n<table style=\"width: 100%;\" border=\"1.5\">\n<tbody>\n<tr>\n<td><b>Fund type<\/b><\/td>\n<td><b>Holding period<\/b><\/td>\n<td><b>Capital Gains Tax Rate<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Equity fund<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Short term &#8211; Less than 1 year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">15%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Equity fund<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Long term &#8211; More than 1 Year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Debt fund<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Long term \u2013 3 years and above<\/span><\/td>\n<td><span style=\"font-weight: 400;\">20% with indexation<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Debt fund<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Short term \u2013 Less than 3 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As per Income tax Slab rates<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<ul>\n<li><b>Exit Load<\/b><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">This is a percentage of the investor&#8217;s chosen mutual fund unit&#8217;s NAV (Net Asset Value). If you sell or redeem mutual fund units, an asset management company will charge you a fee. Therefore, the AMC will subtract the exit load charge when you want to sell a mutual fund unit and will credit you the remaining amount. If you&#8217;re considering switching mutual funds, think about the exit load you would incur if you sold the fund before 12 months.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Due Diligence And Documentation<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Investors in direct mutual funds are responsible for all documentation and due diligence. This profile includes timely KYC filings as well as an examination of investment plans. The investor is consequently required to be well-versed in the filing deadlines and related paperwork.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">As you change mutual funds, be sure to have a proper asset allocation strategy in place and choose a good fund plan that enables you to properly diversify. Before making a decision to switch funds, consider the performance of the funds over a period of time.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><b>Lock-in Period:<\/b><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">If you invest in a mutual fund with a lock-in period, such as the <a href=\"https:\/\/kuvera.in\/mutual-funds\/all\/equity\/elss\">Equity Linked Savings Scheme<\/a> (ELSS), you will be unable to modify your investment for three years. You cannot recover your initial investment, but you can cancel a standing instruction at any moment.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Switching from one fund to another can be done manually or electronically. You can switch between mutual funds at any time and for any proportion. Although the decision is entirely yours, you should consider the additional tax and exit charges you would incur if you choose to transfer.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Conclusion<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Switching mutual funds allow investors to move across funds. This ability to move funds might be useful for investors who want to keep their options open. Investors can change mutual funds without selling their shares or incurring capital gains taxes, allowing them to alter their investing strategy. A switch fund investment group pools money from many investors to purchase stocks, bonds, and short-term debt. The portfolios of mutual funds are their holdings. The assets and earnings of the fund are distributed to investors who purchase shares. Investors either make or lose money.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>FAQs<\/b><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4 style=\"color: black; font-size: 17px;\"><span class=\"ez-toc-section\" id=\"How_Much_Do_I_Need_to_Switch\"><\/span>How Much Do I Need to Switch?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">You can switch mutual funds in your existing portfolio entirely or partially. However, because the switch is a reinvestment, your money may be liable to capital gains tax and an exit load. As a result, it is recommended that you convert your funds in full only when there is no exit load or capital gains tax applicable to your assets.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4 style=\"color: black; font-size: 17px;\"><span class=\"ez-toc-section\" id=\"Why_Do_I_Need_To_Consolidate_My_Portfolios\"><\/span>Why Do I Need To Consolidate My Portfolios?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">It is advisable that you reassess your portfolio&#8217;s investments after the process of switching is complete. This will assist you in evaluating and revising the way you allocate your funds. In some circumstances, you could come to the realisation that you own too many portfolios. <\/span><span style=\"font-weight: 400;\">This can be a result of the money you have invested directly through different distributors or websites. You can better focus on money allocation with the aid of portfolio consolidation, which will also show you how your investments are doing in relation to your financial objectives.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4 style=\"color: black; font-size: 17px;\"><span class=\"ez-toc-section\" id=\"Why_Do_I_Need_To_Reassess_My_Portfolio\"><\/span>Why Do I Need To Reassess My Portfolio?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">It is usually advisable to evaluate your portfolio&#8217;s performance after making the switch. You wouldn&#8217;t want to have too many funds exposed to the same equities or company or a fund that is performing poorly. If you need assistance reviewing your portfolio, you may always see a financial advisor.<\/span><span style=\"font-weight: 400;\">The majority of direct mutual fund platforms furthermore provide an online financial advising system to aid you in solving the issue. The process of switching mutual funds is quite comparable to the process of creating a new investment. It is thus recommended that you treat it seriously.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4 style=\"color: black; font-size: 17px;\"><span class=\"ez-toc-section\" id=\"Should_You_Invest_In_A_High-yielding_Mutual_Fund\"><\/span>Should You Invest In A High-yielding Mutual Fund?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">You could feel the need to switch mutual funds, when the mutual fund schemes in your portfolio are producing low returns. You could believe that it is wiser to invest in the ones that are currently producing larger returns.<\/span><span style=\"font-weight: 400;\">When faced with this challenge, keep in mind that you choose that specific plan with a goal and a time frame in mind. Your decision to withdraw from a mutual fund scheme should not be based on short-term underperformance. However, moving might be a practical alternative if the fund&#8217;s performance has regularly lagged below that of its rivals or if you need to rebalance your assets.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4 style=\"color: black; font-size: 17px;\"><span class=\"ez-toc-section\" id=\"Should_You_Switch_To_An_NFO\"><\/span>Should You Switch To An NFO?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">You may come across new fund offerings (NFOs) from companies on occasion. NFOs frequently generate excitement among investors, and many individuals contemplate moving, especially if their fund has been underperforming for a long time. However, investing in an NFO only for the sake of novelty is not a wise move.<\/span><span style=\"font-weight: 400;\">Your suitability should guide your decision to invest in a certain mutual fund. Before selecting a plan, examine its track record and evaluate its success in different market circumstances. If an NFO provides you with something that was previously unavailable to investors, you have the option to rethink, comprehend, and make a choice.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4 style=\"color: black; font-size: 17px;\"><span class=\"ez-toc-section\" id=\"How_Do_I_Change_My_SIP_From_One_Fund_To_Another\"><\/span>How Do I Change My SIP From One Fund To Another?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">To switch to a new plan, fill out a transaction page on the fund house&#8217;s website. The slip for account statements is the same. Fill out this form and return it to any fund house branch.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4 style=\"color: black; font-size: 17px;\"><span class=\"ez-toc-section\" id=\"When_Is_The_Best_Time_To_Switch_Mutual_Funds\"><\/span>When Is The Best Time To Switch Mutual Funds?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Ans. Investors should be clear about their investment goals and the time frame in which they want to achieve them. Mutual fund withdrawals might be prompted by the attainment or modification of financial goals, excessive market volatility owing to political issues, and so on. However, fund underperformance is the most common reason for mutual fund switching.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4 style=\"color: black; font-size: 17px;\"><span class=\"ez-toc-section\" id=\"How_Can_I_Switch_My_Mutual_Fund_Online\"><\/span>How Can I Switch My Mutual Fund Online?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Yes, you can switch your mutual fund online. All you have to do is log in to your mutual fund account &#8211; either through the AMC or through portals like Kuvera. To acquire, switch, or redeem your fund units, go to the transaction page. Select the switch option after clicking on the relevant fund name.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><a href=\"https:\/\/www.kuvera.in\/dl\/v2\/?redirect_to=dashboard-invest\/fixed-deposit?source=fd_blog_banner\"><img loading=\"lazy\" class=\"alignnone wp-image-29666 size-full\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2024\/04\/FD-Banner-9.4-03.png\" alt=\"FD Up to 9.40% on Kuvera\" width=\"600\" height=\"150\" \/><\/a><\/h4>\n<p>&nbsp;<\/p>\n<p><strong>Interested in how we think about the markets?<\/strong><\/p>\n<p>Read more:\u00a0<a href=\"https:\/\/kuvera.in\/blog\/in-investing-the-simplest-things-are-the-hardest\/\">Zen And The Art Of Investing<\/a><\/p>\n<p><strong>Watch here: <\/strong>Investing In Passive Funds<\/p>\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/qR6zzb2MtTg?si=EItlniU7MiusUNCU\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-mce-fragment=\"1\"><\/iframe><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit\u00a0<a href=\"https:\/\/www.youtube.com\/watch?v=R7g03UwJAT8&amp;utm_source=Blog&amp;utm_medium=Weekly+wrap+22nd+July\" target=\"_blank\" rel=\"noopener\">kuvera.in<\/a> to discover Direct Plans of Mutual Funds and <a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a>\u00a0and start investing today.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><em>AREVUK Advisory Services Pvt Ltd | SEBI Registration No. INA200005166<\/em><br \/>\n<em>DISCLAIMER: Mutual Fund investments are subject to market risks. Read all scheme related documents carefully. Registration granted by SEBI, membership of BASL (in case of IAs) and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Investments in securities market are subject to market risks. Read all the related documents carefully before investing. The securities quoted are for illustration only and are not recommendatory.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When transferring funds from one investment plan to another, the funds are switched. Investors can switch mutual funds between two separate schemes in which money is taken from fund A via a sell order and invested in fund B via a purchase order. However, switching in and out of mutual funds is a major obstacle [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/a-guide-on-how-to-shift-or-switch-mutual-funds\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":18533,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[99,822],"tags":[67,2419],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>A Guide on How to Shift or Switch Mutual Funds ?<\/title>\n<meta name=\"description\" content=\"A request of mutual fund switch can be done by filling a switch form or writing a letter specifying the switching details to investor.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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