{"id":42347,"date":"2025-05-08T12:11:34","date_gmt":"2025-05-08T06:41:34","guid":{"rendered":"https:\/\/flattrade.in\/kosh\/?p=42347"},"modified":"2025-05-19T14:39:05","modified_gmt":"2025-05-19T09:09:05","slug":"demat-vs-folio-mode-which-one-is-more-suitable-for-keeping-mutual-funds","status":"publish","type":"post","link":"https:\/\/flattrade.in\/kosh\/demat-vs-folio-mode-which-one-is-more-suitable-for-keeping-mutual-funds\/","title":{"rendered":"Demat vs Folio Mode: Which One is More Suitable for Keeping Mutual Funds?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"42347\" class=\"elementor elementor-42347\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fc945e9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fc945e9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1b5132b\" data-id=\"1b5132b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9225bfa elementor-widget elementor-widget-text-editor\" data-id=\"9225bfa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When you invest in mutual funds, one crucial choice is the way you want to hold them. You have two primary options: Demat Mode and Folio Mode.<\/p><p>Both have their benefits and are appropriate for various kinds of investors.<\/p><p>We will see the major difference between these two modes and will let you decide which mode of investment is best for you.<\/p><p><strong>Demat mode<\/strong>: In this mode, your Demat units are stored in dematerialized format in your Demat account \u2013 like stocks. You must possess a Demat + trading account with us and it is much beneficial for you as we provide zero brokerage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21f8840 elementor-widget elementor-widget-heading\" data-id=\"21f8840\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Key Features:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a610da7 elementor-widget elementor-widget-text-editor\" data-id=\"a610da7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Consolidated Holdings: Allows you to hold several financial instruments\u2014such as stocks, bonds, and mutual funds\u2014under a single account, providing you with a consolidated picture of your portfolio.<\/li><li>Ease of Transfer: Facilitates easy transfer of units from one account to another, which can be useful for gifting or inheritance.<\/li><li>Transaction Process: Your transactions are done through us, and units are credited to your Demat account when you purchase.<\/li><li>Associated Expenses: May comprise expenses such as yearly maintenance fees for the Demat account and charges on transactions levied by the DP.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49b47d9 elementor-widget elementor-widget-heading\" data-id=\"49b47d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Considerations:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a41e769 elementor-widget elementor-widget-text-editor\" data-id=\"a41e769\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Systematic Transactions:<\/strong> Certain systematic plans, such as Systematic Transfer Plans (STPs) and Systematic Withdrawal Plans (SWPs), may not be offered in Demat form. \u200b<\/li><li><strong>Processing Time:<\/strong> Crediting units to the Demat account could take a fraction of time more than SOA mode (Statement of Account mode).<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c0a2c85 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c0a2c85\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5a19ae7\" data-id=\"5a19ae7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c66906c elementor-widget elementor-widget-heading\" data-id=\"c66906c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When to Opt for Demat mode?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2398bf elementor-widget elementor-widget-text-editor\" data-id=\"c2398bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>You already trade Stocks or ETFs<\/li><li>You want a simplified view of all investments<\/li><li>You prefer less paperwork &amp; platform ease<\/li><li>You invest in Exchange-Traded Mutual Funds (ETFs)<\/li><li>You want to easily roll over Mutual Funds<\/li><li>You don&#8217;t mind paying small annual fees<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e43c1fc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e43c1fc\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-217a540\" data-id=\"217a540\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dad0e12 elementor-widget elementor-widget-text-editor\" data-id=\"dad0e12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif; color: #000000; font-style: normal; font-weight: 400;\"><b>Folio mode: <\/b>Folio mode implies your units of the mutual fund are directly held with the Asset Management Company (AMC) in separate folios, usually handled by RTAs (Registrar and Transfer Agents) such as CAMS or KFintech.<b><\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31651d0 elementor-widget elementor-widget-heading\" data-id=\"31651d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Key features:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f4b230 elementor-widget elementor-widget-text-editor\" data-id=\"6f4b230\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #000000; font-family: Calibri, sans-serif; font-size: 12pt; font-style: normal; font-weight: 400; text-indent: -18pt;\">Folio Number:<\/span><b style=\"color: #000000; font-family: Calibri, sans-serif; font-size: 12pt; text-indent: -18pt;\"> <\/b><span style=\"color: #000000; font-family: Calibri, sans-serif; font-size: 12pt; font-style: normal; font-weight: 400; text-indent: -18pt;\">Every investment in a mutual fund by an AMC is assigned a folio number that allows the AMC to monitor your investment history, transactions, nominee information, etc.<\/span><\/p><p class=\"MsoListParagraphCxSpFirst\" style=\"margin: 0cm 0cm 0cm 36pt; font-size: 12pt; font-family: Calibri, sans-serif; color: #000000; font-style: normal; font-weight: 400; text-indent: -18pt;\"><span style=\"font-family: Symbol;\">\u00b7.\u00a0 \u00a0<\/span>Direct or Regular Plan Access:<\/p><p class=\"MsoListParagraphCxSpMiddle\" style=\"margin: 0cm 0cm 0cm 72pt; font-size: 12pt; font-family: Calibri, sans-serif; color: #000000; font-style: normal; font-weight: 400; text-indent: -18pt;\"><span style=\"font-family: 'Courier New';\">o<span style=\"font-style: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';\">\u00a0\u00a0 <\/span><\/span>Direct Plan: Invest through AMC websites or platforms such as MF Utility or CAMS \u2013 reduced expense ratio, increased returns.<\/p><p class=\"MsoListParagraphCxSpLast\" style=\"margin: 0cm 0cm 0cm 72pt; font-size: 12pt; font-family: Calibri, sans-serif; color: #000000; font-style: normal; font-weight: 400; text-indent: -18pt;\"><span style=\"font-family: 'Courier New';\">o<span style=\"font-style: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';\">\u00a0\u00a0 <\/span><\/span>Regular Plan: Invest through our brokerage \u2013 they assist in paperwork, but charge commission (incorporated in fund expense).<\/p><p class=\"MsoListParagraphCxSpFirst\" style=\"margin: 0cm 0cm 0cm 36pt; font-size: 12pt; font-family: Calibri, sans-serif; color: #000000; font-style: normal; font-weight: 400; text-indent: -18pt;\"><span style=\"font-family: Symbol;\">\u00b7<span style=\"font-style: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';\">\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span>No Requirement of Demat Account:<b> <\/b>Folio mode is not dependent on the structure of the stock market. You don&#8217;t require a broker or DP. Your investments are tracked and handled directly by the AMC.<b><\/b><\/p><p class=\"MsoListParagraphCxSpMiddle\" style=\"margin: 0cm 0cm 0cm 36pt; font-size: 12pt; font-family: Calibri, sans-serif; color: #000000; font-style: normal; font-weight: 400;\"><b>\u00a0<\/b><\/p><p class=\"MsoListParagraphCxSpLast\" style=\"margin: 0cm 0cm 0cm 36pt; font-size: 12pt; font-family: Calibri, sans-serif; color: #000000; font-style: normal; font-weight: 400; text-indent: -18pt;\"><span style=\"font-family: Symbol;\">\u00b7<span style=\"font-style: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';\">\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span>SIP and Lump Sum Friendly:<b> <\/b>SIPs can be easily initiated, stopped, or changed. Lump sum investments can be done at any time without brokerage or platform limitations.<b><\/b><\/p><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif; color: #000000; font-style: normal; font-weight: 400;\"><b>\u00a0<\/b><\/p><p class=\"MsoListParagraph\" style=\"margin: 0cm 0cm 0cm 36pt; font-size: 12pt; font-family: Calibri, sans-serif; color: #000000; font-style: normal; font-weight: 400; text-indent: -18pt;\"><span style=\"font-family: Symbol;\">\u00b7<span style=\"font-style: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-kerning: auto; font-optical-sizing: auto; font-feature-settings: normal; font-variation-settings: normal; font-weight: normal; font-stretch: normal; font-size: 7pt; line-height: normal; font-family: 'Times New Roman';\">\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span>Consolidated View Possible via RTAs: Platforms such as CAMS, KFintech, MF Central, and MF Utility enable you to monitor several folios of various AMCs in one location.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb9f032 elementor-widget elementor-widget-heading\" data-id=\"cb9f032\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Considerations:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8bca745 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8bca745\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1efc92b\" data-id=\"1efc92b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dacc868 elementor-widget elementor-widget-text-editor\" data-id=\"dacc868\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Multiple Folios = Fragmentation: <\/strong><ul><li>Investing in more than one AMCs will land you with distinct folios<\/li><li>Need to keep tabs on all folios except if you go in for consolidation platforms (e.g., CAMS+)<\/li><\/ul><\/li><li><strong>No Single Portfolio with Stocks:<\/strong><ul><li>Contrary to Demat mode, you&#8217;ll not view mutual funds together with stocks or ETFs<\/li><\/ul><\/li><li><strong>Redemption Time:<\/strong><ul><li>While usually speedy, certain AMCs can take 1\u20133 business days to settle the redemptions<\/li><\/ul><\/li><li><strong>Less Handy for Traders:<\/strong><ul><li>Folio mode is not for buying and selling frequently as with stock<\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-620b2e7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"620b2e7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2ebfef2\" data-id=\"2ebfef2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-13d1190 elementor-widget elementor-widget-heading\" data-id=\"13d1190\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When to Opt for Folio Mode?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-545ecbf elementor-widget elementor-widget-text-editor\" data-id=\"545ecbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>You invest in mutual funds only<\/li><li>You desire direct plans and wish to steer clear of charges<\/li><li>You are a long-term investor or SIP-oriented<\/li><li>You are not keen on stocks or active dealing<\/li><li>You like to manage your portfolio without the intervention of intermediaries<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abb61bd elementor-widget elementor-widget-heading\" data-id=\"abb61bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Difference between Demat and Folio mode:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b3e8175 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b3e8175\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-890ca54\" data-id=\"890ca54\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2b64282 elementor-widget elementor-widget-text-editor\" data-id=\"2b64282\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<table class=\"MsoTableGrid\" style=\"width: 455.9pt; border-width: initial; border-style: none; border-bottom-color: initial; border-left-color: initial;\" border=\"1\" width=\"608\" cellspacing=\"0\" cellpadding=\"0\"><tbody><tr style=\"height: 17.95pt;\"><td style=\"width: 151.95pt; border-width: 1pt; border-bottom-style: solid; border-left-style: solid; border-color: windowtext; padding: 0cm 5.4pt; height: 17.95pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\"><b>Feature<\/b><\/p><\/td><td style=\"width: 151.95pt; border-top-width: 1pt; border-top-color: windowtext; border-right-width: 1pt; border-right-color: windowtext; border-bottom: 1pt solid windowtext; border-left-width: initial; border-left-style: none; padding: 0cm 5.4pt; height: 17.95pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\"><b>Demat Mode<\/b><\/p><\/td><td style=\"width: 152pt; border-top-width: 1pt; border-top-color: windowtext; border-right-width: 1pt; border-right-color: windowtext; border-bottom: 1pt solid windowtext; border-left-width: initial; border-left-style: none; padding: 0cm 5.4pt; height: 17.95pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\"><b>Folio Mode<\/b><\/p><\/td><\/tr><tr style=\"height: 55.85pt;\"><td style=\"width: 151.95pt; border-right-width: 1pt; border-right-color: windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-top: none; padding: 0cm 5.4pt; height: 55.85pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\"><b>Definition<\/b><\/p><\/td><td style=\"width: 151.95pt; border-top: none; border-left-width: initial; border-left-style: none; border-bottom: 1pt solid windowtext; border-right-width: 1pt; border-right-color: windowtext; padding: 0cm 5.4pt; height: 55.85pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\">Investments held in a Demat account electronically<\/p><\/td><td style=\"width: 152pt; border-top: none; border-left-width: initial; border-left-style: none; border-bottom: 1pt solid windowtext; border-right-width: 1pt; border-right-color: windowtext; padding: 0cm 5.4pt; height: 55.85pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\">Investments held directly with the mutual fund company<\/p><\/td><\/tr><tr style=\"height: 36.9pt;\"><td style=\"width: 151.95pt; border-right-width: 1pt; border-right-color: windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-top: none; padding: 0cm 5.4pt; height: 36.9pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\"><b>Used For<\/b><\/p><\/td><td style=\"width: 151.95pt; border-top: none; border-left-width: initial; border-left-style: none; border-bottom: 1pt solid windowtext; border-right-width: 1pt; border-right-color: windowtext; padding: 0cm 5.4pt; height: 36.9pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\">Stocks &amp; mutual funds (via stock exchanges)<\/p><\/td><td style=\"width: 152pt; border-top: none; border-left-width: initial; border-left-style: none; border-bottom: 1pt solid windowtext; border-right-width: 1pt; border-right-color: windowtext; padding: 0cm 5.4pt; height: 36.9pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\">Mutual funds (direct or via distributor)<\/p><\/td><\/tr><tr style=\"height: 36.9pt;\"><td style=\"width: 151.95pt; border-right-width: 1pt; border-right-color: windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-top: none; padding: 0cm 5.4pt; height: 36.9pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\"><b>Account Required<\/b><\/p><\/td><td style=\"width: 151.95pt; border-top: none; border-left-width: initial; border-left-style: none; border-bottom: 1pt solid windowtext; border-right-width: 1pt; border-right-color: windowtext; padding: 0cm 5.4pt; height: 36.9pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\">Demat account with a broker or DP<\/p><\/td><td style=\"width: 152pt; border-top: none; border-left-width: initial; border-left-style: none; border-bottom: 1pt solid windowtext; border-right-width: 1pt; border-right-color: windowtext; padding: 0cm 5.4pt; height: 36.9pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\">Folio number with each AMC<\/p><\/td><\/tr><tr style=\"height: 36.9pt;\"><td style=\"width: 151.95pt; border-right-width: 1pt; border-right-color: windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-top: none; padding: 0cm 5.4pt; height: 36.9pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\"><b>Central Authority<\/b><\/p><\/td><td style=\"width: 151.95pt; border-top: none; border-left-width: initial; border-left-style: none; border-bottom: 1pt solid windowtext; border-right-width: 1pt; border-right-color: windowtext; padding: 0cm 5.4pt; height: 36.9pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\">NSDL\/CDSL (Depositories)<\/p><\/td><td style=\"width: 152pt; border-top: none; border-left-width: initial; border-left-style: none; border-bottom: 1pt solid windowtext; border-right-width: 1pt; border-right-color: windowtext; padding: 0cm 5.4pt; height: 36.9pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\">AMC or RTAs like CAMS\/KFintech<\/p><\/td><\/tr><tr style=\"height: 18.9pt;\"><td style=\"width: 151.95pt; border-right-width: 1pt; border-right-color: windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-top: none; padding: 0cm 5.4pt; height: 18.9pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\"><b>Broker Needed<\/b><\/p><\/td><td style=\"width: 151.95pt; border-top: none; border-left-width: initial; border-left-style: none; border-bottom: 1pt solid windowtext; border-right-width: 1pt; border-right-color: windowtext; padding: 0cm 5.4pt; height: 18.9pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\">Yes<\/p><\/td><td style=\"width: 152pt; border-top: none; border-left-width: initial; border-left-style: none; border-bottom: 1pt solid windowtext; border-right-width: 1pt; border-right-color: windowtext; padding: 0cm 5.4pt; height: 18.9pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\">No<\/p><\/td><\/tr><tr style=\"height: 36.9pt;\"><td style=\"width: 151.95pt; border-right-width: 1pt; border-right-color: windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-top: none; padding: 0cm 5.4pt; height: 36.9pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\"><b>Charges<\/b><\/p><\/td><td style=\"width: 151.95pt; border-top: none; border-left-width: initial; border-left-style: none; border-bottom: 1pt solid windowtext; border-right-width: 1pt; border-right-color: windowtext; padding: 0cm 5.4pt; height: 36.9pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\">No maintenance charges<\/p><\/td><td style=\"width: 152pt; border-top: none; border-left-width: initial; border-left-style: none; border-bottom: 1pt solid windowtext; border-right-width: 1pt; border-right-color: windowtext; padding: 0cm 5.4pt; height: 36.9pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\">Usually no maintenance charges<\/p><\/td><\/tr><tr style=\"height: 36.9pt;\"><td style=\"width: 151.95pt; border-right-width: 1pt; border-right-color: windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-top: none; padding: 0cm 5.4pt; height: 36.9pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\"><b>Ease of Use<\/b><\/p><\/td><td style=\"width: 151.95pt; border-top: none; border-left-width: initial; border-left-style: none; border-bottom: 1pt solid windowtext; border-right-width: 1pt; border-right-color: windowtext; padding: 0cm 5.4pt; height: 36.9pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\">Unified view of all holdings, easy trading<\/p><\/td><td style=\"width: 152pt; border-top: none; border-left-width: initial; border-left-style: none; border-bottom: 1pt solid windowtext; border-right-width: 1pt; border-right-color: windowtext; padding: 0cm 5.4pt; height: 36.9pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\">May need to track multiple folios across different AMCs<\/p><\/td><\/tr><tr style=\"height: 36.9pt;\"><td style=\"width: 151.95pt; border-right-width: 1pt; border-right-color: windowtext; border-bottom: 1pt solid windowtext; border-left: 1pt solid windowtext; border-top: none; padding: 0cm 5.4pt; height: 36.9pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\"><b>Best For<\/b><\/p><\/td><td style=\"width: 151.95pt; border-top: none; border-left-width: initial; border-left-style: none; border-bottom: 1pt solid windowtext; border-right-width: 1pt; border-right-color: windowtext; padding: 0cm 5.4pt; height: 36.9pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\">Active traders, consolidated view across assets<\/p><\/td><td style=\"width: 152pt; border-top: none; border-left-width: initial; border-left-style: none; border-bottom: 1pt solid windowtext; border-right-width: 1pt; border-right-color: windowtext; padding: 0cm 5.4pt; height: 36.9pt;\" valign=\"top\" width=\"203\"><p class=\"MsoNormal\" style=\"margin: 0cm; font-size: 12pt; font-family: Calibri, sans-serif;\">Long-term mutual fund investors<\/p><\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7fc0efc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7fc0efc\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b5e203c\" data-id=\"b5e203c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3dc0231 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"3dc0231\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/instakyc.flattrade.in\/Signup\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Open Zero brokerage account<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f10cc7d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f10cc7d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fbf3e9e\" data-id=\"fbf3e9e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ee8da79 elementor-widget elementor-widget-text-editor\" data-id=\"ee8da79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Disclaimer: Investments in the Securities market and Mutual Funds are subject to market risks. Read all the related documents carefully before investing | The securities are quoted as an example and not as a recommendation | Brokerage will not exceed the SEBI-prescribed limit | Margins will be collected as per the exchange norms.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b5f47ae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b5f47ae\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f8a9f77\" data-id=\"f8a9f77\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f581ea elementor-widget elementor-widget-text-editor\" data-id=\"1f581ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1><strong>Download NOVO App!<\/strong><\/h1>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4147a0 elementor-widget elementor-widget-text-editor\" data-id=\"e4147a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Invest in Zero-commission Direct Mutual funds,\u00a0<span style=\"font-family: Roboto, sans-serif; font-size: 16px; font-style: normal;\">IPO,<\/span><span style=\"font-family: Roboto, sans-serif; font-size: 16px; font-style: normal;\">\u00a0<\/span>Sovereign Gold bonds, Government bills, and Corporate bonds.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9f4c0cc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9f4c0cc\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7ebe6e0\" data-id=\"7ebe6e0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e33aa60 elementor-widget elementor-widget-image\" data-id=\"e33aa60\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/onelink.to\/449wqx\" target=\"_blank\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"252\" height=\"71\" src=\"https:\/\/flattrade.in\/kosh\/wp-content\/uploads\/2024\/01\/Novo-Play-store.webp\" class=\"attachment-medium size-medium wp-image-37217\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-aa2ebe6\" data-id=\"aa2ebe6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dd6cd52 elementor-widget elementor-widget-image\" data-id=\"dd6cd52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/onelink.to\/449wqx\" target=\"_blank\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"251\" height=\"69\" src=\"https:\/\/flattrade.in\/kosh\/wp-content\/uploads\/2024\/01\/Novo-App-Store.webp\" class=\"attachment-medium size-medium wp-image-37216\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-cb6b2f7\" data-id=\"cb6b2f7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44fa1aa elementor-invisible elementor-widget elementor-widget-image\" data-id=\"44fa1aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;tada&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/onelink.to\/449wqx\" target=\"_blank\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"262\" height=\"300\" src=\"https:\/\/flattrade.in\/kosh\/wp-content\/uploads\/2024\/01\/Novo-Mobile-PNG-1-262x300.webp\" class=\"attachment-medium size-medium wp-image-37219\" alt=\"\" srcset=\"https:\/\/flattrade.in\/kosh\/wp-content\/uploads\/2024\/01\/Novo-Mobile-PNG-1-262x300.webp 262w, https:\/\/flattrade.in\/kosh\/wp-content\/uploads\/2024\/01\/Novo-Mobile-PNG-1-894x1024.webp 894w, https:\/\/flattrade.in\/kosh\/wp-content\/uploads\/2024\/01\/Novo-Mobile-PNG-1-768x880.webp 768w, https:\/\/flattrade.in\/kosh\/wp-content\/uploads\/2024\/01\/Novo-Mobile-PNG-1-1341x1536.webp 1341w, https:\/\/flattrade.in\/kosh\/wp-content\/uploads\/2024\/01\/Novo-Mobile-PNG-1-1787x2048.webp 1787w, https:\/\/flattrade.in\/kosh\/wp-content\/uploads\/2024\/01\/Novo-Mobile-PNG-1-450x516.webp 450w, https:\/\/flattrade.in\/kosh\/wp-content\/uploads\/2024\/01\/Novo-Mobile-PNG-1-780x894.webp 780w, https:\/\/flattrade.in\/kosh\/wp-content\/uploads\/2024\/01\/Novo-Mobile-PNG-1-1600x1833.webp 1600w, https:\/\/flattrade.in\/kosh\/wp-content\/uploads\/2024\/01\/Novo-Mobile-PNG-1.webp 1920w\" sizes=\"(max-width: 262px) 100vw, 262px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"When you invest in mutual funds, one crucial choice is the way you want to hold them. You&hellip;","protected":false},"author":8,"featured_media":42348,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"csco_display_header_overlay":false,"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"csco_post_video_bg_volume":false,"footnotes":""},"categories":[1047],"tags":[],"class_list":{"0":"post-42347","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-mutual-fund","8":"cs-entry","9":"cs-video-wrap"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Demat vs Folio Mode: Which One is More Suitable for Keeping Mutual Funds? - Flattrade Kosh<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/flattrade.in\/kosh\/demat-vs-folio-mode-which-one-is-more-suitable-for-keeping-mutual-funds\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Demat vs Folio Mode: Which One is More Suitable for Keeping Mutual Funds? - Flattrade Kosh\" \/>\n<meta property=\"og:description\" content=\"When you invest in mutual funds, one crucial choice is the way you want to hold them. 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