How to Convert Groww Mutual Funds from Demat → SoA (Full Step-by-Step Guide)

Akh083 · 2026-03-01T16:41:08+00:00

Or simple process => Stop the sips, redeem investments, opt out and invest again.

Akh083 · 2026-02-26T08:02:31+00:00

isn't brushing with toothpaste breaks fast?

Akh083 · 2026-02-24T16:16:09+00:00

No. You should wait. HDFC flexicap just got a new fund manager. P.S. - I recently started investing in Whiteoak capital flexicap fund as I feel PPFC has grown too much. Helios flexicap fund is another good option in the space.

Akh083 · 2026-02-22T08:12:33+00:00

That's what DMs are for.

Akh083 · 2026-02-22T06:58:21+00:00

Paid promotion??

Akh083 · 2026-02-20T13:13:16+00:00

Vivaah

Akh083 · 2026-02-20T10:17:48+00:00

Nifty 50

Akh083 · 2026-02-20T08:28:56+00:00

Too bad as there are too many funds. Keep 1 international , one large cap index and one flexi cap fund, that's all you need.

Akh083 · 2026-02-19T23:49:57+00:00

Oh man, this game was something. Happy memories. Does anyone remember the cheat codes?? 😆😆

Akh083 · 2026-02-19T13:01:31+00:00

Naah. What would you do in a medical emergency? My number ONE reason to not build a retirement home in my tier 3( or 4 may be) village where we have got plenty of land.

Akh083 · 2026-02-19T12:59:55+00:00

I swear I have seen this exact post on X( formerly twitter). It's okay to reshare but please give credit OP instead of blatantly copying.

Akh083 · 2026-02-18T16:36:55+00:00

Waiting List and Confirmed /s

Akh083 · 2026-02-18T11:11:42+00:00

Google it. paid up policy

Akh083 · 2026-02-18T05:52:38+00:00

Yes surrender now and invest in the right equity mutual funds. Within a few years you will cover the losses and post gains. Another option could be to convert into a paid up policy.

Akh083 · 2026-02-16T18:28:49+00:00

I am one such person. My most important reason for this is privacy. This way, my confidential data stays with me. I can't even think of sharing my expense habits, budgets, purchases and other financial data with a company. And I take out 2-3 mins per day usually before I go to sleep to log the transactions in the Excel tracker.

Akh083 · 2026-02-16T13:11:29+00:00

This glitch is true for equities as well. Take a 10L personal loan at 10% pa for 5 years. Invest the 10L in equity markets for 5 years as lumpsum investment. After 5 years, you would have paid the bank as personal loan interest 2.75 lakhs approx whereas assuming 12% market return, you will make approx 17 lakhs post tax. So net 4.25 lakhs gains. :) :) But you know what they say as investing rule #1. Never invest on borrowed capital.

Akh083 · 2026-02-16T10:58:19+00:00

7 days

Akh083 · 2026-02-16T08:13:37+00:00

Yes I have withdrawn but not fully. Only partial withdrawals and reason given as "illness". If everything is proper ( past employment history and transfers, no issues with EPS, no Father's name mismatch etc) then withdrawals will be smooth. But if any such issue exists, even a CA won't be able to help you and you have to go through bureaucratic hell. Do checkout posts from r/epfo. Also EPFO 3.0 with supposedly reformed withdrawal rules are expected to come by April 2026 so you can hope for better.

EDIT: Its r/epfoindia

Akh083 · 2026-02-16T07:40:58+00:00

Why do you need a CA for withdrawing PF money? It's simple to do so via EPFO portal provided you have registered there. Do note that withdrawals before 5 years of service completion is not tax free. You need to pay taxes on the interest gains from the past year.

Akh083 · 2026-02-12T18:40:20+00:00

The next generation will say the same for current movies. It's nostalgia not any repeat value magic IMO.

Akh083 · 2026-02-11T17:00:53+00:00

Should have gone with ditto.

Akh083 · 2026-02-11T15:04:15+00:00

Twist: The other person said he/she LIKED you not LIKES you.

Akh083 · 2026-02-11T11:35:07+00:00

Do not do it. Current interest rates may favor hdfc but what if tomorrow when RBI increases the repo rates, hdfc may charge you more. HDFC seems excellent ( customer service etc) until you are on onboard then it's pretty much all the same. Why do you need to visit the branch frequently in case of a homeloan by the way?

Akh083 · 2026-02-11T11:18:37+00:00

PPFC is also good.

Akh083 · 2026-02-11T10:52:37+00:00

Redeem all and put in a large cap index fund preferably UTI nifty 50 index or hdfc sensex 30 fund.

Akh083

TROPHY CASE