Where offered, you can invest in mutual funds and start a SIP directly from your ATS account. Direct plans carry no distributor commission and a lower expense ratio, so returns are slightly higher than regular plans. A SIP auto-invests a fixed amount each period through a one-time mandate. Browse categories on our mutual funds page.
Direct vs regular plans
| Direct plan | Regular plan | |
|---|---|---|
| Distributor commission | None | Included |
| Expense ratio | Lower | Higher |
| Net returns | Slightly higher | Slightly lower |
Starting and managing a SIP
- Choose a fund and set the instalment amount and date.
- Authorise the auto-debit mandate once; the SIP then invests automatically each period.
- Redeem to withdraw, or switch to move between schemes, from your holdings section.
- Track your investments and current value in your portfolio/holdings view.
Tax on mutual funds
Equity and debt funds are taxed differently, and switches count as redemptions for capital gains — see our tax on stock trading guide before you rebalance.
Why direct plans matterA ~0.5–1% lower expense ratio on a direct plan compounds to a meaningfully larger corpus over 10+ years — the single easiest way to improve fund returns.
Explore more ATS help topics
- Demat Account FAQs — CDSL demat services — holdings, DIS, CMR, transfers, statements and re-KYC.
- Joint Demat & Trading Account — Open and operate a joint demat & trading account — holders, KYC and documents.
- Brokerage & Demat Charges — Brokerage, DP charges, AMC, STT, GST and every trading cost, explained.
- Margin Trading & Pledge — MTF, pledging shares for margin, haircuts, and margin-shortfall penalties.
- Tax on Stock Trading — STCG, LTCG, STT, intraday & F&O taxation, and downloading your tax P&L.
- Corporate Actions — Dividends, bonus, splits, rights and buybacks — how they hit your demat.
- Buyback of Shares — How share buybacks work, eligibility, and tendering shares through ATS.
- Nomination for Demat Account — Add, change or opt out of a nominee, and transmission of holdings.
- Account Closure & Reactivation — Close, reactivate or modify your account — dues, KYC and dormant accounts.
- Account Security & Fraud Prevention — Two-factor login, phishing, safe passwords and reporting unauthorised trades.
- Grievance Redressal — Raise a complaint, the escalation ladder, SEBI SCORES and Smart ODR.
- NRI Trading Account — NRE/NRO, PIS, repatriation and NRI demat & trading account rules.
- Trading Platform & App Support — Login, orders, charts, reports and troubleshooting on the ATS apps.
- Refer & Earn / Partner Program — Refer friends, earn rewards and become an ATS authorised partner.