Investing in mutual funds is a great way to build long-term wealth. But if you want to make the most of your money, choosing to buy direct mutual funds is a smarter option. These funds come with lower costs and can offer better returns over time.

What Are Direct Mutual Funds?

Direct mutual funds are mutual fund plans that you buy directly from the fund house or Asset Management Company (AMC), without involving any agents or intermediaries. Because there are no commission charges, direct plans have lower expense ratios. This can result in 0.5% to 1.5% higher returns compared to regular plans, especially over the long term.

Direct mutual funds are ideal for investors who want more transparency, lower costs, and full control over their investments.

Where to Buy Mutual Funds (Direct Plans)

If you're wondering where to buy mutual funds, especially direct plans, you have several convenient options:

1. AMC Websites

You can invest directly through websites of fund houses like HDFC Mutual Fund, SBI Mutual Fund, ICICI Prudential, and more.
Pros: No commission, full access to all fund options.
Cons: You’ll need to manage multiple logins for each AMC.

2. Registrar Platforms (CAMS & KFintech)

These platforms let you invest in direct mutual funds from multiple AMCs in one place.
Pros: Single dashboard for various AMCs.
Cons: Limited research and comparison tools.

3. Best Platforms for Direct Mutual Funds (Apps & Portals)

For a simpler and smarter investing experience, use trusted apps like:

• Groww
  
  
• Zerodha Coin
  
  
• Paytm Money
  
  
• ET Money
  
  
• My Mudra Fincorp Ltd.

These platforms are among the best platforms for direct mutual funds in India. They allow fund comparison, easy SIP setup, and investment tracking.
Pros: Beginner-friendly, powerful tools.
Cons: One-time online KYC needed.

Mutual Fund Investment Guide: How to Start

Here’s a quick mutual fund investment guide to get you started:

1. Complete KYC:
   It’s a one-time process. Use Aadhaar and PAN to complete it online.
   
   

2. Choose Your Platform:
   Decide whether you want to use AMC websites, registrar portals, or a direct mutual fund app.
   
   

3. Pick a Fund Type:
   Based on your risk level and goals, choose equity, debt, or hybrid mutual funds.
   
   

4. Start Investing:
   You can start with a lump sum or begin a SIP (Systematic Investment Plan).

Conclusion

Choosing to buy direct mutual funds is a smart move if you want higher returns and lower costs. Whether you go through AMC websites, registrar platforms, or use one of the best platforms for direct mutual funds, the key is to start early and stay consistent. Follow this simple mutual fund investment guide and take your first step toward financial freedom today.