🗺️ How to Invest in Mutual Funds
The complete journey, mapped step by step — from getting started to holding your first Account Statement.
Investor Education · Ace Financial Services · ARN-110832
Follow the flow below. At the two orange decision points, the path branches — simply follow the branch that applies to you.
1
Who is investing?
Identify the investor type — documents differ slightly for each.
IndividualCorporateNRI
2
Is your KYC complete?
KYC (Know Your Customer) is a mandatory, one-time step.
✓ YES — complete
Proceed straight to the next step.
✗ NO — pending
Complete KYC first
(PAN · Aadhaar · address proof · photo), then proceed.
▼ both paths continue ▼
3
Understand the essentials
Learn the building blocks so your choices are informed.
Fund CategoriesAMCsTaxation
4
Choose your mode
Decide how you want to invest.
LumpsumSIPBoth
5
Decide the amount
Set your lumpsum figure and/or monthly SIP amount to suit your goals.
6
Connect with your Mutual Fund Distributor
An AMFI-registered MFD helps you complete the process correctly.
Ace Financial Services · ARN-110832
7
Generate the transaction
The purchase is created for your chosen fund(s), amount and mode.
8
How will you pay?
Choose your payment method to complete the transaction.
Internet BankingUPICheque
💻 ONLINE
Net Banking / UPI — payment completes the transaction instantly.
🧾 OFFLINE
Hand the cheque to your MFD → sent to the AMC → cleared & processed in ~2 days.
▼ both paths continue ▼
9
NAV allotment & Folio generated
Once payment is cleared, NAV is allotted per the applicable cut-off rules, and your Folio is generated.
Subject to AMFI / AMC cut-off timing
10
Access your account & first statement
You receive your login credentials — log in to the portal to view holdings and download your first Account Statement.
🎉 You're now a mutual fund investor!
Folio active · first statement in hand.
Educational illustration of the general mutual fund investment process. Exact steps, timelines and NAV allotment depend on the AMC, payment mode and prevailing AMFI/SEBI cut-off rules. Past performance is not indicative of future returns.