If you invest in mutual funds, there may come a time when you want to transfer your units online — either to another fund, to another folio, to another platform, or to consolidate your investments under one account.
The good news?
Today, transferring mutual funds online is simple, paperless and can be completed in just a few minutes.
This guide walks you through every method, the steps involved, and the things you must keep in mind.
What Do You Mean by “Transferring” a Mutual Fund?
Online transfer can mean:
Switching from one scheme to another within the same fund house
Moving units from a regular plan to a direct plan
Transferring units to another folio in your name
Consolidating all your folios
Shifting mutual funds to another online platform or broker
Each of these can be done digitally.
Method 1: Transfer Using AMC Website (Scheme Switch / Plan Change)
If you want to switch a scheme or move from regular to direct:
Steps:
Visit your mutual fund AMC website.
Log in with your Folio number + PAN or mobile OTP.
Select ‘Switch’ or ‘Change Plan’ option.
Choose:
From: Existing scheme
To: New scheme or Direct plan
Enter amount or number of units.
Confirm and submit.
Processing Time:
1–3 business days depending on NAV cut-off.
Method 2: Transfer via CAMS or KFintech Portal
Most AMCs are serviced by CAMS or KFintech, making consolidation easy.
Steps:
Visit CAMS Online or KFintech Online.
Register using PAN + email + mobile.
Access all your MF holdings across multiple AMCs.
Click Switch / Change of Plan / Folio Consolidation.
Select scheme and submit request.
Use Cases:
Consolidating folios
Switching across multiple schemes
Changing personal details
Method 3: Transfer via Your Mutual Fund App / Platform
If you use apps like Groww, Zerodha Coin, Paytm Money, ET Money, etc., you can transfer units into the platform via a “consolidate” or “import” option.
Steps to Transfer Units Into an Online Platform:
Log into the app.
Go to “Import Holdings / Consolidate MF”.
Enter PAN + registered email.
The app will fetch your units via CAS (Consolidated Account Statement).
You may need to verify via OTP.
Note: Transfers to platforms are not sale or switch — the units simply move for display and tracking.
Method 4: Transfer to Another Folio in Your Name
Some AMCs allow moving units from multiple folios into one folio for better convenience.
Steps:
Log into AMC / CAMS portal.
Choose Folio Consolidation.
Select all folios under your PAN.
Merge into a single folio.
Conditions:
Same PAN
Same holding type (single/joint)
Same mode of operation
Important Things to Keep in Mind
Switching is treated as selling one scheme & buying another
→ May trigger capital gains tax.
NAV applicability depends on cut-off time (3 PM).
Direct plans give higher returns due to no commission, but switching may have tax implications.
You cannot transfer units to someone else’s name online (gift/transfer requires offline paperwork).
If you change platforms, your units stay with the AMC, not with the broker.
Conclusion
Transferring mutual funds online — whether through AMC websites, CAMS/KFintech portals, or investment apps — is now simple and fast.
By understanding the right method for your situation, you can switch schemes, consolidate folios, or bring all your holdings under one platform without paperwork or delays.
A few clicks are all it takes to keep your investments organised and aligned with your goals.
FAQs
Q1. Can I transfer mutual funds to another person online?
No. Transfer to another person requires a physical form and signature verification.
Q2. Does switching funds online attract tax?
Yes. It is treated as a sale for tax purposes.
Q3. Can I move from regular plan to direct plan online?
Yes, through AMC or CAMS/KFintech.
Q4. How long does an online switch take?
Typically 1–3 working days.
Q5. Can I transfer my funds between different AMCs?
No direct transfer — you must redeem from one AMC and reinvest in another.
Published on : 13th November
Published by : SMITA
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