Guides
A growing collection of how-to guides and reference notes.
- How to handle PIO / OCI mutual fund investments
Step-by-step procedure for handling Person of Indian Origin (PIO) / Overseas Citizen of India (OCI) mutual fund investments. Covers eligibility, KYC, account types, and the distinction from foreign-citizen restrictions.
- How to handle mutual fund trail commission specifically
Step-by-step guide to mutual fund trail commission specifically. Covers SEBI's trail-only model, category-wise rates, lifetime accumulation, and the income longevity.
- How to handle mutual fund IDCW tax
Step-by-step guide to handling tax on IDCW (Income Distribution cum Capital Withdrawal) from mutual funds. Covers Section 194K TDS, slab-rate income, ITR reporting, and the IDCW vs growth choice.
- How to handle mutual fund bonus units
Step-by-step guide to handling mutual fund bonus unit issue. Covers NAV adjustment mechanism, tax-neutrality at issue, capital gain implications, and the bonus-stripping anti-avoidance rule.
- How to handle MF distributor commission (trail + upfront)
Step-by-step guide for MF distributors to handle commission from AMCs. Covers trail commission mechanics, monthly disbursement, tax treatment, and GST applicability.
- How to handle joint holder death on mutual fund folio
Step-by-step procedure for handling the death of one joint holder on a mutual fund folio. Covers survivorship principle, second-holder transition, and the documentation required.
- How to handle HUF tax on mutual fund investments
Step-by-step procedure for handling HUF (Hindu Undivided Family) tax on mutual fund investments. Covers separate HUF ITR, capital gains attribution, Section 80C, and partition / dissolution tax treatment.
- How to handle foreign mutual fund investments in ITR
Step-by-step procedure for reporting foreign mutual fund holdings (international FoF, direct foreign funds) in ITR. Covers Schedule FA disclosure, debt-mode tax treatment, FEMA implications, and the LRS context.
- How to handle FMP rollover or maturity
Step-by-step procedure for handling a Fixed Maturity Plan at maturity: rollover (if AMC offers) or maturity payout. Covers decision criteria and reinvestment options.
- How to handle ELSS lock-in expiry
Step-by-step procedure for handling ELSS lock-in expiry. Covers per-tranche unlock logic, hold vs redeem decision, tax treatment, and the rolling-ladder management.
- How to handle ARN transfer or AUM transition on distributor death
Step-by-step procedure for handling AMFI ARN transfer or AUM transition when a mutual fund distributor passes away. Covers AMFI procedure, successor distributor, and the investor consent angle.
- How to handle a pledge default on mutual fund units
Step-by-step procedure for handling a pledge default scenario on mutual fund units. Covers margin calls, lender's enforcement rights, forced redemption mechanics, tax implications, and recovery.
- How to handle a mutual fund unit split
Step-by-step guide to handling a mutual fund unit split (rare AMC action). Covers NAV adjustment, tax neutrality, and the operational implications.
- How to handle a mutual fund scheme merger or rebranding
Step-by-step procedure for handling a mutual fund scheme merger, name change, or rebranding. Covers AMC notification, exit option, tax-neutrality, and the investor decision matrix.
- How to handle a fund house (AMC) acquisition or sponsor change
Step-by-step procedure for handling acquisition of one AMC by another or sponsor change. Covers SEBI's investor protection requirements, exit option, and the decision criteria.
- How to go to a specific date on a Kite chart
Step-by-step procedure for jumping to a specific date on a Zerodha Kite chart. Covers the date-jump feature on TradingView and ChartIQ.
- How to get physical copy of mutual fund Statement of Account
Step-by-step procedure for obtaining a physical (hard) copy of mutual fund Statement of Account. Covers AMC request, fees, and when physical copy is needed (legal, audit, immigration).
- How to get mutual fund folio statement for prior FY
Step-by-step procedure for obtaining mutual fund folio statement for a prior FY (1-10 years ago). Covers AMC online archive, RTA portal, and AMC archive request for very old records.
- How to generate a Consolidated Account Statement (CAS) for mutual funds
Step-by-step procedure for generating a Consolidated Account Statement (CAS) covering all your mutual fund folios. Covers the CAMS, KFin, and NSDL routes, the on-demand vs auto-monthly flows, and the password protocol.
- How to fix KYC on hold or rejected status (mutual fund)
Step-by-step procedure to diagnose and resolve mutual fund KYC stuck on hold, rejected, or invalid status. Covers the common reasons, the document fix paths, the KRA modification form, and the escalation route via AMFI.
- How to fix discrepancies in your mutual fund CAS
Step-by-step procedure for resolving discrepancies in a mutual fund CAS. Covers missing folios, wrong transactions, NAV mismatches, capital-gains errors, and the AMC / RTA / SEBI escalation path.
- How to fix blank page on chart open (Kite)
Step-by-step procedure for resolving blank-page-on-chart-open issues on Zerodha Kite. Covers cache, browser, version, and the support-ticket path.
- How to fix a failed SIP debit (mutual fund)
Step-by-step procedure for diagnosing and fixing a failed SIP debit on a mutual fund SIP. Covers the common reasons (NSF, mandate lapse, bank issues), the retry framework, and the impact on holding-period compounding.
- How to fill Schedule OS for mutual fund dividend (IDCW) in ITR
Step-by-step procedure for reporting mutual fund dividend (IDCW) income in Schedule OS of ITR. Covers IDCW as 'Income from Other Sources', Section 194K TDS, and the slab-rate taxation.
- How to fill Schedule CG for mutual fund capital gains
Step-by-step procedure for filling Schedule CG in ITR-2 for mutual fund capital gains. Covers each sub-section (A1, A2, B1, B2), data entry from AMC statements, and the common errors.
- How to file NCDRC / consumer complaint for mutual fund deficiency
Step-by-step procedure for filing a consumer protection complaint (NCDRC / SCDRC / DCDRC) against AMC for service deficiency. Covers Consumer Protection Act applicability, jurisdiction, and compensation framework.
- How to file ITR as NRI with mutual fund holdings
Step-by-step procedure for filing Income Tax Return (ITR) as NRI with Indian mutual fund holdings. Covers form selection, residential status reporting, capital gains, TDS claim, and the e-verification.
- How to file an RBI complaint for bank-related mutual fund issues
Step-by-step procedure for filing an RBI Centralised Management System (CMS) complaint for bank-related mutual fund issues. Covers when RBI is the appropriate authority, the CMS portal, and the timeline.
- How to file an ombudsman complaint for mutual fund (banking-related)
Step-by-step procedure for filing a Banking Ombudsman complaint when bank-related MF issues (NACH mandates, IDCW credit failures, redemption credit issues) aren't resolved. Covers RBI's Banking Ombudsman scheme.
- How to file AMFI grievance for mutual fund issues
Step-by-step procedure for filing an industry-level grievance with AMFI for mutual fund issues. Covers when to use AMFI vs AMC, the AMFI grievance form, and the timeline.