Guides
A growing collection of how-to guides and reference notes.
- How to modify a SWP (Systematic Withdrawal Plan)
Step-by-step procedure for modifying an active SWP. Covers parameter changes (amount, frequency, source scheme), the cancel-and-re-register pattern, and the corpus-longevity recalculation.
- How to merge multiple mutual fund folios (cross-AMC and same-AMC)
Step-by-step procedure for merging mutual fund folios, both within and across AMCs. Covers MFU eCAN aggregation, MF Central unified view, AMC-level consolidation, and the operational limits.
- How to maximise chart pane on Kite
Step-by-step procedure for maximising the chart pane on Zerodha Kite. Covers full-screen toggle, side-panel hiding, and the engine-specific shortcuts.
- How to manage multiple SIPs in bulk via MFU or MF Central
Step-by-step procedure for managing multiple mutual fund SIPs across AMCs in bulk via MFU (MF Utility) or MF Central. Covers cross-AMC SIP setup, bulk modify / pause / stop, and the operational efficiencies vs single-AMC approach.
- How to link PAN to Aadhaar for mutual fund KYC
Step-by-step procedure for linking PAN to Aadhaar via the Income Tax e-Filing portal, required for mutual fund KYC validity. Covers the linking process, the late-linking fee, the consequences of inoperative PAN, and the cascade to KRA records.
- How to link NRE or NRO bank account to mutual fund folio
Step-by-step procedure for linking an NRE or NRO bank account to a mutual fund folio for an NRI investor. Covers the bank-folio mapping, repatriability implications, and the multi-bank registration.
- How to link mutual fund folio (SoA) to Aadhaar
Step-by-step procedure for linking mutual fund folio (SoA) to Aadhaar via PAN-Aadhaar framework. Covers the IT portal route and the AMC cascade.
- How to link an old mutual fund folio to your PAN
Step-by-step procedure for linking an old (pre-PAN era) mutual fund folio to your current PAN. Covers the AMC linkage process, document requirements, KYC re-verification, and the post-link benefits.
- How to invest via eCAN on MF Utility (MFU)
Step-by-step procedure for setting up and investing via eCAN (electronic Common Account Number) on MF Utility (MFU). Covers eCAN creation, multi-AMC consolidation, and the SIP/lump-sum flow.
- How to invest in mutual funds as NRI on repatriable basis
Step-by-step procedure for investing in Indian mutual funds as NRI on repatriable basis. Covers NRE-funded subscription, repatriability of proceeds, allowed scheme categories, and the compliance framework.
- How to invest in mutual funds as NRI on non-repatriable basis
Step-by-step procedure for investing in Indian mutual funds as NRI on non-repatriable basis. Covers NRO-funded subscription, repatriation restrictions, scheme eligibility, and the FEMA framework.
- How to invest in a Sensex ETF
Step-by-step guide to investing in a Sensex (BSE 30) ETF. Covers ETF selection, demat purchase flow, and the Sensex vs Nifty 50 choice.
- How to invest in a Nifty Next 50 ETF
Step-by-step guide to investing in a Nifty Next 50 ETF. Covers ETF selection, Junior Nifty index methodology, and the rotation-into-Nifty-50 mechanic.
- How to invest in a Nifty 50 ETF
Step-by-step guide to investing in a Nifty 50 ETF. Covers ETF selection by expense / tracking error / AUM, purchase flow, and the ETF vs index fund choice for Nifty 50 exposure.
- How to invest in a New Fund Offer (NFO)
Step-by-step procedure for subscribing to a New Fund Offer (NFO). Covers NFO evaluation criteria, subscription channels, allocation, and the cautionary stance on most NFOs.
- How to invest in a gold ETF or gold fund
Step-by-step guide to investing in gold via gold ETF or gold fund-of-fund. Covers structure comparison, demat vs SIP route, tax treatment, and the SGB alternative.
- How to invest in a Fixed Maturity Plan (FMP)
Step-by-step procedure for investing in a Fixed Maturity Plan (FMP) closed-end debt mutual fund. Covers NFO subscription, maturity payout, tax treatment, and the FMP vs FD comparison.
- How to invest in a closed-end mutual fund
Step-by-step procedure for investing in a closed-end mutual fund. Covers NFO subscription, exchange listing, liquidity at premium/discount, and the maturity payout.
- How to interpret mutual fund yield-to-maturity (YTM)
Step-by-step guide to interpreting yield-to-maturity (YTM) for a debt mutual fund. Covers gross YTM, net YTM after expense, the difference from coupon yield, and the relationship to category.
- How to identify breakouts on Kite charts
Step-by-step procedure for identifying breakouts on Zerodha Kite charts. Covers consolidation patterns, volume confirmation, false-breakout filtering, and the entry / exit setup.
- How to hedge a naked options position in Zerodha
Step-by-step procedure for hedging a naked options position (sold call or put) in Zerodha Kite by buying a further-OTM option to cap downside risk. Covers the rationale, the impact on margin requirements, and the SEBI margin framework.
- How to handle US / Canada NRI mutual fund investments
Step-by-step procedure for navigating US / Canada NRI mutual fund investment restrictions in India. Covers FATCA compliance, SEC restrictions, AMCs that accept, and alternative investment routes.
- How to handle trust tax on mutual fund investments
Step-by-step procedure for handling trust tax on mutual fund investments. Covers private trust pass-through (Section 161), indeterminate-beneficiary tax (Section 164), and charitable trust exemption (Section 11/12).
- How to handle the Investment Account Application (IAA) form for MF
Step-by-step procedure for handling the Investment Account Application (IAA) / new folio application form for mutual fund. Covers form components, submission, and the first-time vs subsequent investment context.
- How to handle SWP tax in ITR (mutual fund)
Step-by-step procedure for reporting SWP (Systematic Withdrawal Plan) redemptions in ITR. Covers per-installment capital gain computation, FIFO order, and the tax efficiency advantage over IDCW.
- How to handle switch tax in ITR (mutual fund)
Step-by-step procedure for reporting mutual fund switch transactions in ITR. Covers the deemed redemption + subscription mechanics, capital gain computation, and the Schedule CG entries.
- How to handle STP tax in ITR (mutual fund)
Step-by-step procedure for reporting STP (Systematic Transfer Plan) transactions in ITR. Covers per-installment capital gain on source, new cost basis for target, and the source-fund tax efficiency.
- How to handle Statement of Account (SoA) errors for mutual fund
Step-by-step procedure for resolving Statement of Account (SoA) errors on mutual fund folios. Covers discrepancy types, AMC's correction process, and escalation paths.
- How to handle segregated portfolio (side pocket) units
Step-by-step procedure for handling segregated portfolio (side pocket) units created during a credit event. Covers SEBI mechanism, NAV split, recovery proceeds, and the tax treatment.
- How to handle Section 195 TDS on NRI mutual fund redemptions
Step-by-step procedure for handling Section 195 TDS on NRI mutual fund redemptions and IDCW. Covers default rates, DTAA-reduced rates, AMC's deduction mechanism, and ITR claim.