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+{{htmlmetatags>metatag-keywords=(how to start SIP,mutual fund SIP 2026,systematic investment plan,SIP India,Groww Coin Zerodha Kuvera,direct vs regular plan,ELSS 80C,SEBI mutual funds regulations,KYC mutual fund,SCORES SEBI,AMFI,LTCG mutual fund,STCG mutual fund,SIP auto-debit,NACH mandate)&metatag-description=(Step-by-step 2026 guide to starting a Mutual Fund SIP in India — KYC, choosing equity/debt/ELSS, direct vs regular plans, NACH auto-debit setup, and what to do when SIP bounces or AMC ignores you. Honest about RTI vs SCORES — SEBI is RTI-covered, AMCs are not.)}}
+====== How to start a mutual fund SIP — complete 2026 guide ======
+{{ :social:auto:start-mutual-fund-sip-2026.png?direct&1200 |How to start a mutual fund SIP 2026 — RTI Wiki citizen guide}}
+{{page>snippets:dpdp-banner}}
+<WRAP info>
+**Quick answer.** A **SIP (Systematic Investment Plan)** is an automatic monthly debit from your savings account into a chosen **mutual fund scheme** — minimum **₹500/month**, no maximum. To start: (1) complete one-time **KYC** (PAN + Aadhaar + bank + photo + signature, instant via Aadhaar OTP), (2) open a free account on a **direct-plan platform** like **Groww, Coin (Zerodha), Kuvera, ETMoney, INDmoney, Paytm Money** (these save you ~1% per year vs "regular" plans through a bank/broker), (3) pick the scheme — **Index funds** for beginners, **flexicap / large-cap** for medium risk, **ELSS** for §80C tax saving, **debt funds** for short-term parking, (4) set monthly amount + date, (5) approve **NACH / UPI auto-debit mandate** once — then it runs forever until you stop it. First instalment debits on the next chosen date; units allotted at the closing NAV.
+</WRAP>
+===== Anjali's story — "₹10,000/month, 12% return in 12 months, ELSS saved ₹7,500 in tax" =====
+<WRAP center round box 80%>
+//Anjali Iyer, 26, software engineer at a product company in Hyderabad. Living with parents, no EMI burden. Salary ₹78,000/month after tax. Started taking investing seriously after a junior colleague casually mentioned her SIP portfolio had crossed ₹3 lakh in 18 months.//
+> "I was sitting on ₹4.2 lakh in my SBI savings account doing 2.7%. My CA uncle kept saying 'open a mutual fund' for years; I kept saying 'next month'. In December 2024 I downloaded **Groww**. KYC took 11 minutes — Aadhaar OTP, selfie, signature on the screen with my finger. Got the 'KYC verified' email next morning. I split ₹10,000/month into three SIPs: ₹4,000 in **Mirae Asset Large Cap Direct Growth**, ₹3,000 in **Parag Parikh Flexi Cap Direct Growth**, ₹3,000 in **HDFC ELSS Tax Saver Direct Growth** — the ELSS doubles as my §80C deduction. NACH mandate from SBI took one OTP. First debit on 5 January 2025. **Twelve months later (5 Jan 2026) I had invested ₹1,20,000. Portfolio value: ₹1,34,200. Return ~12% — the Nifty did 11.7% that year so I roughly tracked it.** The ELSS ₹36,000 went into my §80C bucket and saved me ₹7,500 in tax (30% slab). I just stepped up to ₹12,000/month — plan is to add ₹2,000 every January for the next 25 years. **The compounding maths says that becomes ₹4.5+ crore by my 51st birthday.** My uncle has stopped saying 'next month'."
+—Anjali, January 2026
+</WRAP>
+The Indian mutual fund industry crossed **₹68 lakh crore AUM** in March 2026 (AMFI data). Monthly SIP inflows crossed **₹26,000 crore** — about **9.7 crore active SIP accounts**. Most belong to people who started small (₹500-2,000) and stepped up over years. The single biggest reason new investors lose returns isn't market crashes — it's **paying 1-1.5% extra every year** by buying "regular" plans through a bank/broker instead of "direct" plans.
+===== What a mutual fund SIP is — and how it differs from lump sum =====
+A **mutual fund** pools money from many investors and invests it in stocks (equity), bonds (debt), or a mix (hybrid), managed by an **AMC (Asset Management Company)** like SBI MF, HDFC AMC, ICICI Prudential, Mirae Asset, Axis MF, Nippon, Parag Parikh, Quant, etc. You own **units** of the scheme; their daily price is called **NAV (Net Asset Value)**.
+A **SIP** is just an **automated monthly investment** of a fixed rupee amount into one scheme. It's not a separate product — it's a delivery mechanism. The advantages over lump-sum investing:
+  * **Rupee-cost averaging:** more units when NAV is low, fewer when high — averages out market volatility.
+  * **Discipline:** auto-debit removes the temptation to time the market.
+  * **Power of compounding:** small monthly amounts over decades compound dramatically. ₹10,000/month at 12% pa for 25 years = ₹1.9 crore. At 30 years = ₹3.5 crore.
+The legal framework you should know:
+  * **SEBI (Mutual Funds) Regulations, 1996** — the parent regulation governing all AMCs and schemes.
+  * **SEBI Master Circular for Mutual Funds, 2024** (updated annually) — consolidated operating norms.
+  * **AMFI (Association of Mutual Funds in India) guidelines** — self-regulatory rules on distributor commission, scheme classification, total expense ratio (TER).
+  * **Income Tax Act, 1961:**
+    * **§112A** — Long-Term Capital Gains (LTCG) on equity mutual funds (held > 12 months) taxed at **12.5% beyond ₹1.25 lakh** per FY (revised by Finance Act 2024).
+    * **§111A** — Short-Term Capital Gains (STCG) on equity (held ≤ 12 months) taxed at **20%** (revised Jul 2024; was 15%).
+    * **§80C** — investment in **ELSS (Equity Linked Savings Scheme)** up to ₹1.5 lakh deductible from taxable income (only old regime).
+    * Debt funds: from 1 April 2023, ALL gains taxed at slab rate regardless of holding period (no LTCG benefit).
+  * **PMLA (Prevention of Money Laundering Act), 2002** — basis for the KYC requirement common across all financial products.
+===== Step-by-step process =====
+==== Step 1 — Complete one-time KYC ====
+KYC is a one-time exercise across all mutual funds and brokers. Done via a **KYC Registration Agency (KRA)** like KFin Technologies (KFintech) or CAMS (Computer Age Management Services).
+Two routes:
+  * **Aadhaar-OTP eKYC** (instant, online) — opens automatically when you sign up at Groww / Coin / Kuvera / any AMC website. Enter PAN + Aadhaar number → OTP to Aadhaar-linked mobile → upload selfie + signature → done in 10-15 minutes. Status visible at **kfintech.com → Investor Services → KYC Status** or **camskra.com**.
+  * **Offline / IPV (in-person verification)** — fill physical KYC form, attach PAN + Aadhaar + photo, sign, mail to a KRA branch. Used if Aadhaar-OTP fails (e.g., Aadhaar mobile not updated).
+Once KYC is **"Validated"** (the highest status, requires PAN-Aadhaar link + Aadhaar verified by KRA against UIDAI), you can invest in any mutual fund without redoing KYC. If your KYC was completed before 2024, you may need to re-do it as **"KYC Validated"** — check status on cvlkra.com / camskra.com.
+==== Step 2 — Choose where to invest ====
+The single biggest decision. Two flavours of every scheme:
+  * **Direct plan** — bought directly from the AMC; no distributor commission; **expense ratio 0.4-1.2% lower**. Available on:
+    * AMC's own website / app (HDFC MF, Axis MF, ICICI Pru MF, etc.).
+    * **Direct-plan platforms (free):** Groww, Coin (Zerodha), Kuvera, ETMoney, INDmoney, Paytm Money, MF Central (AMFI/CAMS/KFintech joint portal at mfcentral.com).
+  * **Regular plan** — bought through a distributor / agent / bank RM; expense ratio includes a trail commission (~1% pa) paid to the distributor. Available via:
+    * Bank's MF section (SBI MF via SBI YONO, HDFC Bank MF section).
+    * Full-service brokers (HDFC Securities, ICICI Direct, Kotak Securities — their MF section; their broking is fine but MF "regular plans" cost you).
+    * Independent financial advisors (IFAs).
+**Direct vs Regular maths:** ₹10,000/month for 25 years at 12% (direct) vs 11% (regular, after 1% commission drag) = ₹1.90 crore vs ₹1.61 crore. The "1% you don't see" costs you **₹29 lakh** over a 25-year horizon. Pick **Direct** unless you genuinely need an advisor (and pay the advisor a flat fee instead — it'll be cheaper).
+==== Step 3 — Pick the right scheme category ====
+  * **Equity funds (high return, high risk, 5+ year horizon):**
+    * **Large Cap** — top 100 companies by market cap. Less volatile. E.g., Mirae Asset Large Cap, Axis Bluechip, Nippon India Large Cap.
+    * **Mid Cap** — 101-250 ranked. Higher growth, higher swings.
+    * **Small Cap** — beyond 251. Highest growth potential, highest crashes.
+    * **Flexi Cap / Multi Cap** — manager allocates across all caps. E.g., Parag Parikh Flexi Cap, PPFAS, HDFC Flexi Cap.
+    * **Index funds** — passively tracks Nifty 50 / Sensex / Nifty Next 50 / Nifty 500. Lowest cost (0.1-0.3% TER). E.g., UTI Nifty 50 Index, Navi Nifty 50.
+    * **ELSS (Equity-Linked Savings Scheme)** — diversified equity + 3-year lock-in + §80C deduction. E.g., Mirae Tax Saver, Axis Long Term Equity, HDFC ELSS Tax Saver, Quant ELSS.
+    * **Sectoral / thematic** — concentrated in one sector (banking, IT, pharma). High risk, only for the experienced.
+  * **Debt funds (moderate return, low-moderate risk):**
+    * **Liquid funds** — for parking emergency cash; 6-7% returns; very low risk.
+    * **Short-duration / Ultra-short** — 1-3 year horizon.
+    * **Corporate Bond / Banking & PSU debt** — 3-5 year horizon.
+    * **Gilt funds** — invest in government bonds; sensitive to interest rates.
+  * **Hybrid funds:** mix of equity + debt. Good for first-time, conservative investors.
+    * **Aggressive Hybrid** — 65-80% equity.
+    * **Balanced Advantage / Dynamic Asset Allocation** — manager shifts between equity and debt.
+For a first-time investor: start with **1 large-cap or flexi-cap fund + 1 ELSS for §80C**. Don't over-diversify into 8-10 schemes — 2-4 well-chosen funds covers everything.
+==== Step 4 — Set up the SIP ====
+On Groww / Coin / Kuvera / AMC website:
+  * Search the scheme → "Direct Growth" variant (NOT "Regular Growth", and NOT "IDCW / Dividend" — pick "Growth" so gains compound).
+  * Click **"Start SIP"** (instead of "One-Time / Lumpsum").
+  * Enter monthly amount (₹500 minimum).
+  * Choose SIP date (5th, 7th, 10th, 15th, 20th, 25th — pick a date right after your salary credit).
+  * Choose tenure: **Perpetual** (recommended — no auto-end; you can pause/stop anytime) or fixed (e.g., 5 years).
+==== Step 5 — Approve auto-debit (NACH or UPI) ====
+  * **e-NACH (electronic mandate):** approves recurring debits up to a maximum amount you set. Authenticated via net banking OTP or debit card OTP. One-time setup; takes 2-7 working days to "Mandate Active" status.
+  * **UPI AutoPay (e-Mandate):** newer alternative; faster (live in 24 hours). Cap typically ₹1 lakh per debit on most banks.
+After mandate is active, the first SIP debits on your chosen date the next month. If approved before your chosen date this month, the SIP starts this month itself.
+==== Step 6 — Track investments ====
+  * On the platform's app — "Investments" / "Portfolio" → see daily NAV, units allotted, current value, returns (absolute + XIRR).
+  * **Consolidated Account Statement (CAS)** — emailed monthly by CAMS/KFintech if you have any transactions. Shows ALL your MF holdings across AMCs in one PDF. Free and automatic.
+  * **MF Central** (mfcentral.com) — free unified view, cross-AMC, cross-platform. Good if you've used multiple platforms over the years.
+==== Step 7 — Step up annually + rebalance ====
+  * **Step-up SIP:** increase monthly amount by a fixed % or amount each year (e.g., +10% or +₹2,000). Most platforms support a one-click step-up registration. Mirrors your annual salary hike.
+  * **Rebalance every 12-18 months:** if equity allocation drifts above target (e.g., bull run), redeem some equity and shift to debt. Maintains your risk profile.
+  * **Don't churn:** average holding period of Indian MF retail investors is just 3 years. The data is clear — investors who stayed 10+ years dramatically outperformed those who switched funds chasing past returns.
+==== Step 8 — Redeem (when goal is met or for tax-loss harvesting) ====
+  * On the platform → scheme → "Redeem" → enter units OR amount → submit before **3:00 pm cut-off** (T+0 NAV) or after (T+1 NAV).
+  * Money credited to bank account in **T+1 to T+3 days** (equity) / **T+1** (liquid/debt).
+  * **Tax:** equity LTCG at 12.5% beyond ₹1.25 lakh; STCG at 20%. Debt: slab rate. Capital gains schedule auto-pre-fills in your ITR from AIS / Form 26AS.
+  * **Exit load:** check the scheme — most equity funds have **1% exit load if redeemed within 1 year**.
+===== Sample fee + tax + cut-off table =====
+<code>
++-------------------------+------------------------------------------------+
+| Item                    | Detail                                         |
++-------------------------+------------------------------------------------+
+| Account opening (KYC)   | NIL (Aadhaar OTP eKYC, instant)                |
+| Platform fee            | NIL on Groww, Coin, Kuvera, ETMoney, INDmoney  |
+|                         | Paytm Money (all direct-plan platforms)        |
+| Expense ratio (Direct)  | Index: 0.10-0.30% pa                           |
+|                         | Large Cap Active: 0.40-0.80% pa                |
+|                         | Mid/Small Cap Active: 0.50-1.10% pa            |
+|                         | ELSS: 0.50-1.20% pa                            |
+| Expense ratio (Regular) | ~1.0-1.5% pa MORE than direct (drag)           |
+| Exit load (typical)     | 1% if equity redeemed within 12 months; nil    |
+|                         | thereafter. ELSS: NIL (3-year lock-in instead).|
+| LTCG on equity (>12 mo) | 12.5% beyond ₹1.25L per FY (Finance Act 2024)  |
+| STCG on equity (≤12 mo) | 20%                                            |
+| Debt funds (post-Apr-23)| Slab rate, no LTCG benefit                     |
+| §80C ELSS limit         | ₹1.5L deduction (old regime only); 3-yr lock-in|
+| NAV cut-off             | 3:00 pm same-day NAV; after 3 pm = next day NAV|
+|                         | Liquid funds: 1:30 pm cut-off                  |
+| Min SIP                 | ₹500/month (some schemes ₹100)                 |
+| Max SIP                 | No limit (subject to NACH cap, usually ₹1 cr)  |
++-------------------------+------------------------------------------------+
+| RTI to PIO SEBI for AMC complaint history    : ₹10 IPO    |
+| SEBI SCORES complaint                        : NIL fee     |
+| AMFI grievance                               : NIL fee     |
++----------------------------------------------+--------------+
+</code>
+===== Common reasons your SIP / mutual fund investment gets stuck =====
+  * **KYC pending verification.** Most common. Aadhaar OTP failed (mobile not updated), or KYC status is "Registered" but not "Validated". Re-do KYC at cvlkra.com / camskra.com or via Groww's "Re-KYC" flow.
+  * **Bank account not pre-validated.** Mandate setup fails. Add bank → IFSC verified → small "penny drop" test — clear within 1-2 days.
+  * **Insufficient balance on SIP date.** Auto-debit bounces. Bank charges ₹350-750 NACH bounce fee. AMC may pause SIP after **3 consecutive bounces**. Keep one EMI/SIP buffer.
+  * **NAV cut-off missed.** If you submit lump sum after 3:00 pm, you get the next day's NAV — could be a problem in a fast-moving market.
+  * **NFO (New Fund Offer) confusion.** NFO open period is usually 15 days. After NFO closes, the scheme starts trading at NAV — you can still buy, but no "discount". NFOs are not inherently better than existing funds with track record.
+  * **Switching from Regular to Direct.** You cannot just "convert" — you have to redeem the regular plan units (triggering tax + exit load if any) and buy fresh in the direct plan. Better strategy: stop fresh SIPs in regular, start SIPs in direct, let old units stay until tax-efficient redemption window.
+  * **Scheme name confusion.** "HDFC Top 100 - Regular Growth" is different from "HDFC Top 100 - Direct Growth", and both differ from "HDFC Top 100 - Direct IDCW". Always check the **plan + option** on the order screen.
+  * **PAN-Aadhaar not linked → inoperative PAN.** All MF transactions blocked until linked + ₹1,000 fee paid.
+  * **Multiple folios.** The same AMC can create separate "folios" for each transaction route — you may end up with 3 folios in HDFC MF for the same scheme. Ask AMC to consolidate folios (form on AMC website).
+===== If stuck — the escalation ladder =====
+==== Rung 1 — Platform support / AMC customer care ====
+  * **Groww:** support@groww.in, in-app chat.
+  * **Zerodha Coin:** support.zerodha.com (ticket).
+  * **Kuvera:** in-app chat / support@kuvera.in.
+  * **ETMoney:** in-app chat.
+  * **AMC helpdesks (toll-free):**
+    * SBI MF: 1800-425-5425
+    * HDFC AMC: 1800-3010-6767
+    * ICICI Prudential AMC: 1800-222-999
+    * Axis MF: 1800-221-322
+    * Mirae Asset: 1800-2090-777
+    * Nippon India: 1860-266-0111
+==== Rung 2 — AMC's grievance officer ====
+  * Every AMC's website lists the **Investor Services Officer / Grievance Officer** name + email + phone. SEBI mandates a 30-day SLA.
+  * Write structured email: folio number, scheme name + plan, dates, what happened, what you want.
+==== Rung 3 — AMFI ====
+  * **Association of Mutual Funds in India** at amfiindia.com → "Investor Services" → grievance form.
+  * Useful for distributor mis-selling, mis-classification of schemes, or KYC issues spanning multiple AMCs.
+==== Rung 4 — SEBI SCORES ====
+  * **https://scores.gov.in** — SEBI's Complaints Redress System.
+  * Free, online, gets routed to the AMC with a SEBI tracking ID. Strong leverage; AMC must respond within **30 days**.
+  * For: scheme mis-selling, NAV / unit allotment errors, IDCW not paid, redemption delays, KYC delays at the AMC end, exit load wrongly charged.
+  * **Toll-free:** 1800-227-575 / 1800-266-7575.
+==== Rung 5 — CPGRAMS ====
+  * **https://pgportal.gov.in** → Ministry of Finance → "SEBI" or "Department of Economic Affairs".
+  * Parallel pressure track if SCORES is slow.
+==== Rung 6 — Right to Information (RTI) ====
+The honesty rule.
+**RTI helps here when:**
+  * You want **SEBI's regulatory file** on a specific AMC, scheme, or violation — SEBI is a public authority under §2(h) of the RTI Act. PIO SEBI accepts RTI by post or via the rtionline.gov.in portal.
+  * You want to know **whether SEBI has imposed any penalty** on an AMC / scheme manager / distributor — RTI to PIO SEBI gets you the order copy (or pointer to the public order on sebi.gov.in).
+  * You want **AMFI's compliance record** of an AMC — AMFI is partly funded and recognised by SEBI; while AMFI itself is a private association (RTI applicability disputed), SEBI holds the supervisory file and that IS RTI-accessible.
+  * Your SCORES complaint has been closed without redress and you want the **internal note-sheet** of how SEBI processed it — RTI to PIO SEBI for the file.
+  * You want the **investor education and protection fund (IEPF)** records — IEPF Authority (under MCA) is a public authority; RTI to PIO IEPF Authority works for unclaimed dividend / unit recovery.
+**RTI does NOT help here when:**
+  * You want to file a **complaint against an AMC** for service issues (NAV error, redemption delay, exit load, mis-selling) — use **SCORES** (scores.gov.in). RTI is for "information held"; SCORES is for redress. SCORES is faster and binding.
+  * You want **internal scheme analytics** of an AMC (portfolio strategy notes, manager's deliberation, fund manager bonus structure) — these are **private commercial records** of a private AMC; not RTI-accessible. SEBI holds only what AMCs disclose mandatorily.
+  * You want the **fund manager's contact** to ask why your scheme underperformed — RTI cannot get you private personal data.
+  * You want to **dispute a unit allotment NAV** — file with the AMC's grievance officer or SCORES. RTI cannot reverse a market transaction.
+  * You want **CIBIL-equivalent investor history** — there's no such single record; the closest is your CAS from CAMS/KFintech, which is auto-generated.
+For drafting a SEBI RTI, see [[:rti-for-beginners|RTI in 12 simple steps — for first-time filers]].
+===== FAQs =====
+**Q. How much should I invest in a SIP each month?**\\
+Rough rule: **20% of net take-home** for retirement + goals (combine with PF). Beginners can start with ₹1,000-2,000 and step up by 10% every year. The amount matters less than the discipline of starting early.
+**Q. Should I pick Equity or Debt funds?**\\
+Depends on horizon. **5+ years** → equity (long enough to ride out crashes). **1-3 years** → debt or hybrid. **Under 1 year** → liquid funds or savings account / FD. Don't put short-term money in equity — a 30% drawdown in year 2 could wreck your goal.
+**Q. What's the difference between SIP and STP?**\\
+**SIP (Systematic Investment Plan)** — debits from your savings account into MF.\\
+**STP (Systematic Transfer Plan)** — moves money from one MF to another (typically liquid → equity to deploy a lump sum gradually).\\
+**SWP (Systematic Withdrawal Plan)** — opposite: withdraw a fixed amount monthly from MF to bank (used in retirement).
+**Q. Can I pause my SIP without cancelling?**\\
+Yes — most platforms allow "pause SIP" for 1-6 months without cancelling the mandate. Useful during a temporary cash crunch.
+**Q. What if my AMC is bought / merged?**\\
+Your units are safe — they remain in your folio at the new AMC. Past examples: L&T MF → HSBC MF, IDFC MF → Bandhan MF, Principal MF → Sundaram MF. Scheme names may change; check CAS for new code.
+**Q. Are mutual funds safe? What if the AMC goes bankrupt?**\\
+Schemes are held by **independent trustees** (not the AMC itself) and units of all schemes are in segregated custody at SEBI-registered custodians. Even if the AMC fails, your units are protected — SEBI orders another AMC to take over the schemes (Franklin Templeton debt funds 2020 — investors got back full principal + return). The AMC's own balance sheet does not own your money.
+**Q. ELSS or PPF for §80C — which is better?**\\
+**ELSS** has shorter lock-in (3 yrs) and historically higher returns (~12%); but is volatile.\\
+**PPF** has 15-yr lock-in with full government guarantee and ~7-8% tax-free.\\
+Most balanced approach: split — e.g., ₹50k PPF + ₹1L ELSS within the ₹1.5L §80C cap.
+**Q. The 'expense ratio' is built into the NAV — does it matter that much?**\\
+Yes, hugely. A 1% TER difference compounds to **~28% lower corpus over 25 years**. Always compare TER between Direct and Regular — and always pick Direct.
+**Q. Can NRIs invest in Indian mutual funds via SIP?**\\
+Yes, via NRE / NRO bank account. Some AMCs don't accept investors from US/Canada due to FATCA reporting burden; most accept investors from UAE, UK, Singapore, etc. Check the AMC's "Eligibility" page before applying.
+**Q. My SIP debited but units not allotted for 3 days. Normal?**\\
+For equity / debt funds: T+1 unit allotment. Beyond T+2 raise a ticket with the platform; escalate to AMC after 5 days; SCORES if not resolved in 30 days.
+===== Related on RTI Wiki =====
+  * [[:open-demat-trading-account-2026|How to open a Demat & trading account]]
+  * [[:open-ppf-account-2026|How to open a PPF account]]
+  * [[:open-scss-senior-citizen-savings-scheme-2026|How to open SCSS — Senior Citizens Savings Scheme]]
+  * [[:dispute-cibil-credit-score-2026|How to dispute a CIBIL credit score]]
+  * [[:rti-for-beginners|RTI in 12 simple steps — for first-time filers]]
+  * [[:helplines:start|All Indian government helplines — one master directory]]
+  * [[:forms:start|RTI forms + state-wise fee chart]]
+//Last reviewed: 26 April 2026 by RTI Wiki editorial team. Mutual fund taxation and SEBI rules change frequently — verify current LTCG/STCG rates on incometax.gov.in or sebi.gov.in, or write to admin@bighelpers.in if you spot a stale figure.//
+{{tag>mutual-fund sip systematic-investment-plan sebi-mf-regulations elss section-80c amfi groww zerodha-coin kuvera direct-plan ltcg-mutual-fund stcg scores-sebi citizen-guide help-first 2026}}

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