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Choosing & Comparing Mutual Funds · Shuruaati · 6 min read

Mutual Fund Mein Exit Load Kya Hai?

Chhota jawab

Exit load wo charge hai jo kuch schemes units khareedne ke ek tay samay ke andar unhein redeem karne par lagati hain, aur yeh aapki redemption amount se kaat liya jaata hai. Iska maqsad bahut chhoti avadhi ke paise ko portfolio mein ulat-pulat machane se rokna hai, aur yeh rakam wapas scheme mein hi chali jaati hai. Avadhi aur percentage har scheme mein alag hote hain aur scheme documents mein darj hote hain — aur yeh baat khaas taur par yaad rakhne laayak hai ki SIP mein har installment ka apna holding period hota hai, to ek saath poori rakam redeem karne par sirf sabse haal ki installments par hi load lag sakta hai.

Amit Chadha · Mutual Fund Distributor · AMFI ARN: 349461 · Aakhri review

Exit load wo cost hai jo sabse zyada chaunka sakti hai, kyunki yeh sirf redemption ke waqt saamne aati hai — aam taur par usi waqt jab koi hairani nahi chahta.

Ise lock-in aur capital gains tax ke saath bhi aksar gaddmadd kar diya jaata hai, jabki yeh teeno alag-alag cheezein hain.

Yeh kya hai aur kyun hai

Exit load un units ki keemat par lagne wala ek percentage charge hai jinhein aap khareedne ke ek tay samay ke andar redeem karte hain. Yeh aapki redemption amount se kaata jaata hai, yaani aapko units ki keemat load ghatakar milti hai.

Iska maqsad bane rehne wale investors ki suraksha karna hai. Jab paisa kisi scheme se jaldi nikalta hai, to fund manager ko kabhi-kabhi nazuk waqt par holdings bechni pad sakti hain, aur uska kharch un sabhi par padta hai jo abhi bhi invested hain. Load ki rakam scheme mein wapas jama hoti hai, AMC ko fee ke taur par nahi milti.

Exit load, lock-in aur tax — teen alag cheezein

Exit load ek scheme-level charge hai jise choose karke aap bhar sakte hain — aapko redeem karne ki ijazat hai, bas aap uski keemat chukate hain. Lock-in ek legal ya scheme ki pabandi hai jo tay avadhi ke liye redemption ko poori tarah rok deti hai, jaise ELSS fund ka teen saal ka lock-in. Capital gains tax sarkaar ko di jaane wali liability hai, jo in dono se bilkul alag hai.

Ek hi redemption mein yeh teeno ek saath aa sakte hain, ya ek bhi nahi. Inhein gaddmadd karna asli galtiyon ki wajah banata hai — jaise yeh maan lena ki chunki exit load ki avadhi beet chuki hai, to ab len-den bina kisi cost ke hai.

SIP ke liye holding period kaise ginaa jaata hai

Yahin log chuk jaate hain. Har SIP installment ek alag khareed hai, jiski apni khareed taareekh hoti hai, to har installment ka apna exit-load clock hota hai.

Agar aapne teen saal tak SIP chalaya hai aur sab kuch redeem karte hain, to chhattis mahine pehle khareedi gayi units aam taur par exit-load avadhi se bahut aage nikal chuki hongi, jabki pichhle mahine khareedi gayi units shayad nahi. Units aam taur par first-in, first-out ke aadhar par redeem hoti hain, isliye load unhi units par lagta hai jo abhi apni avadhi ke andar hain.

Yeh badalta rehta hai

Koi standard exit load nahi hai. Kai liquid aur overnight funds mein yeh hota hi nahi ya bahut chhota aur ghatta hua hota hai; kai equity funds lagbhag ek saal ke andar redemption par load lagate hain; kuch schemes mein bilkul nahi hota.

Koi fund house load ki sanrachna badal sakta hai, aur yeh badlav aage se lagoo hota hai. Bharosa us number par karein jo maujooda Scheme Information Document aur Key Information Memorandum mein hai, us par nahi jo aapko invest karte waqt yaad tha.

Vyavahaar mein iska kya matlab hai

Practical matlab hai paise ko time-frame se milana. Agar waqai is baat ki sambhavna hai ki aapko yeh paisa ek saal ke andar chahiye hoga, to ek saal ke exit load wali scheme iske liye kamzor thikana hai — aur yeh to pehle hi sawaal hai, isse pehle ki yeh bhi dekhein ki underlying asset gir bhi sakta tha ya nahi.

Lambi avadhi ke goals ke liye exit load aam taur par bematlab hota hai, kyunki aap us avadhi ke andar redeem nahi karenge. Yahi wajah hai ki ise redemption ke waqt nahi, invest karne se pehle check kar lena samajhdaari hai.

Mukhya baatein

  • Exit load tay avadhi ke andar redemption par lagta hai aur aapki amount se kaat liya jaata hai.
  • Paisa wapas scheme mein jaata hai taaki bane rehne wale investors ki suraksha ho sake, AMC ke paas nahi.
  • Exit load, lock-in aur capital gains tax — teen alag cheezein hain.
  • SIP mein har installment ka apna holding period aur apna exit-load clock hota hai.
  • Load har scheme mein alag hote hain aur badle ja sakte hain — maujooda scheme documents dekhein.
  • Invest karne se pehle paise ki time-frame ko scheme ki exit sharton se milaein, baad mein nahi.

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Sources aur editorial review

Aage kya padhein

Mutual Fund Ka Expense Ratio Kya Hai?Total Expense Ratio kya cover karta hai, yeh aapse bill kiye jaane ke bajaye NAV ke andar kaise liya jaata hai, yeh lambi holding period mein kaise compound hota hai, aur iski sahi tulna kaise karein.Mutual Funds Aur Tax: Buniyadi BaateinIndia mein mutual fund ke gain par tax asal mein kis par tay hota hai — scheme classification, holding period, gain ka type aur aapka rakha option — aur maujooda rates kahan check karein.SIP (Systematic Investment Plan) Kya Hai Aur Yeh Kaise Kaam Karta Hai?SIP kya hai, instalments units mein kaise badalti hain, rupee-cost averaging kya karti hai, aur SIP kya guarantee nahi deta — iska seedhi bhasha mein guide.

Sirf educational content. Investment advice nahi.

Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme-related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performance of any Mutual Fund Scheme may or may not be sustained in the future. There is no guarantee that the investment objective of any suggested scheme will be achieved. All existing and prospective investors are advised to check and evaluate the exit loads and other cost structure (TER) applicable at the time of making an investment before finalizing any investment decision for Mutual Fund Schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a trailing commission on client investments. Disclosure of commission earnings is made to clients at the time of investment. The option of a Direct Plan for every Mutual Fund Scheme is available to investors and offers the advantage of a lower expense ratio. We are not entitled to earn any commission on Direct Plans; hence, we do not deal in Direct Plans.