Mutual funds: demat vs SoA (non-demat) — which is better? (India, 2026)
Should you hold mutual funds in demat form (like stocks, via a broker) or the traditional Statement-of-Account folio (direct with the AMC)? The verified answer: for most direct-plan investors, SoA wins — and the feature people think needs demat (nominee, transmission, consolidation) all work on SoA too. The real cost lever isn't format — it's direct-vs-regular.
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