Section A - Questions & Answers
(English)

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The agencies which keep the investors records on behalf of various Mutual Funds (MF) are called RTA or Registrar & transfer Agents. Various RTAs are Computer Age Management Services Ltd (CAMS), KFin Technologies Private Limited (KFintech), Franklin Templeton Mutual Fund (Franklin) and Sundaram (Sundaram Mutual Fund). Whereas Franklin and Sundaram keep the records of their own MF investors , Kfintech keeps records of 24 Mutual Fund houses and CAMS deals with all balance Mutual funds.

The detailed list of offices or service centers of these RTAs is available in the enclosed Section B – Address of RTAs & Mutual funds. By going through Section -B , You can find the location of the RTA near you.

 Since you are not aware of the concerned Mutual Fund schemes where the investments were made, You need to write a letter to all the Registrar & Transfer Agents (RTAs) of Mutual Funds which are CAMS, Kfintech, Franklin & Sundaram. With this request letter, You need to send copy of PAN and Death Certificate of your deceased husband mentioning the fact that you are wife of the investor . You must mention that you do not know Password of email id registered by your husband with Mutual Funds while making the investment . you should request RTA to send mutual fund statements at the address of the investor as per the records maintained at their end . RTA will then send the details of investments in Mutual Fund at the address of the investor maintained in the records at their end .

 Since you are not aware of the concerned Mutual Fund schemes where the investments were made, You need to write a letter to all the Registrar & Transfer Agents (RTAs) of Mutual Funds which are CAMS, Kfintech, Franklin & Sundaram. With this request letter, You need to send copy of PAN and Death Certificate of your deceased husband mentioning the fact that you are wife of the investor . You must mention that you do not know Password of email id registered by your husband with Mutual Funds while making the investment . you should request RTA to send mutual fund statements at the address of the investor as per the records maintained at their end . RTA will then send the details of investments in Mutual Fund at the address of the investor maintained in the records at their end .

Since you are not aware of the concerned Mutual Fund schemes where the investments were made, You need to write a letter to all the Registrar & Transfer Agents (RTAs) of Mutual Funds which are CAMS, Kfintech, Franklin & Sundaram. With this request letter,   You need to send copy of  PAN   and  Death Certificate of  your deceased husband mentioning  the fact that you are wife of the investor . You must mention that you do not know Password of email id registered by your husband with Mutual Funds while making the investment . you should request RTA to send mutual fund statements at the   address of the investor as per the records maintained at their end . RTA will  then send the details of investments  in Mutual Fund at the  address of the investor  maintained in the records at their end .

 Since you are not aware of the concerned Mutual Fund schemes where the investments were made, You need to write a letter to all the Registrar & Transfer Agents (RTAs) of Mutual Funds which are CAMS, Kfintech, Franklin & Sundaram. With this request letter, You need to send copy of PAN and Death Certificate of your deceased husband mentioning the fact that you are wife of the investor and nominee in all the investments . You should send copy of your Aadhar Card and Pan Card also with your request . You must mention that you do not know Password of email id registered by your husband with Mutual Funds while making the investment . you should request RTA to send mutual fund statements at the address of the investor as per the records maintained at their end . RTA will then send the details of investments in Mutual Fund at the address of the investor maintained in the records at their end .

 Since you are not aware of the concerned Mutual Fund schemes where the investments were made, You need to write a letter to all the Registrar & Transfer Agents (RTAs) of Mutual Funds which are CAMS, Kfintech, Franklin & Sundaram. With this request letter, You need to attach copy of PAN and Death Certificate of your deceased husband , copy of your Aadhar and Pan card mentioning the fact that you are wife of the investor . You must mention that you do not know Password of email id registered by your husband with Mutual Funds while making the investment . You should mention in your letter that you have shifted from the house you were living at the time when your husband made the investments . You should visit office of RTA or Mutual Fund , submit your request with all the relevant papers and request them to give you statement of your existing investments .

 Since you are not aware of the concerned Mutual Fund schemes where the investments were made, You need to write a letter to all the Registrar & Transfer Agents (RTAs) of Mutual Funds which are CAMS, Kfintech, Franklin & Sundaram. With this request letter, You need to attach copy of PAN and Death Certificate of your deceased husband , copy of your Aadhar and Pan card mentioning the fact that you are wife of the investor and second holder of investments . You must mention that you do not know Password of email id registered by your husband with Mutual Funds while making the investment . You should mention in your letter that you have shifted from the house you were living at the time when your husband made the investments . You should visit office of RTA or Mutual Fund , submit your request with all the relevant papers and request them to give you statement of your existing investments .

 Since you are not aware of the concerned Mutual Fund schemes where the investments were made, You need to write a letter to all the Registrar & Transfer Agents (RTAs) of Mutual Funds which are CAMS, Kfintech, Franklin & Sundaram. With this request letter, You need to attach copy of PAN and Death Certificate of your deceased husband , copy of your Aadhar and Pan card mentioning the fact that you are wife of the investor and second holder of investments . You must mention that you do not know Password of email id registered by your husband with Mutual Funds while making the investment . You should mention in your letter that you have shifted from the house you were living at the time when your husband made the investments . You should visit office of RTA or Mutual Fund , submit your request with all the relevant papers and request them to give you statement of your existing investments .

 Since you are not aware of the concerned Mutual Fund schemes where the investments were made, You need to write a letter to all the Registrar & Transfer Agents (RTAs) of Mutual Funds which are CAMS, Kfintech, Franklin & Sundaram. With this request letter, You need to attach copy of PAN and Death Certificate of your deceased husband , copy of your Aadhar and Pan card mentioning the fact that you are wife of the investor and nominee in all the investments . You must mention that you do not know Password of email id registered by your husband with Mutual Funds while making the investment . You should mention in your letter that you have shifted from the house you were living at the time when your husband made the investments . You should visit office of RTA or Mutual Fund , submit your request with all the relevant papers and request them to give you statement of your existing investments .

Please click here to find the CAMS service center.

Please click here to find the Kfintech service center

Please click here to connect with the Sundaram service center

“1800-419-2267 (Mon – Fri ): 9AM – 6PM
Sat: 9AM – 1PM
(Closed on 2nd, 4th & 5th Sat. &
all other non-business days )”

1800 258 4255 , 1800 425 4255 (8 a.m. to 9 p.m. (except Sundays))

Please click here to find the addresses of all the Mutual Funds.

At the time of submitting application for transmission, the 2nd Holder , 3rd Holder or nominee will need to provide the new email ID and contact numbers which will then be updated in transmitted investments. 

The process of Transmission is already detailed elsewhere in this FAQ. Subject to the documents submitted being in order and in compliance of the process, It generally takes about 11 working days from the date of receipt of relevant documents complete in all respects.

KYC stands for “Know Your Customer”. The Reserve Bank of India has made it mandatory for banks, financial institutions including Mutual Funds and other organisations to verify identity and address of all customers who carry out financial transactions with them. KYC is a process through which an institution verifies the identity and address of an individual. A customer has to submit his KYC before he starts investing in various instruments such as mutual funds, fixed deposits, bank accounts, etc. However, an individual has to do it only once when he starts investing for the first time.

Investments in mutual funds can be held either in Single name or Joint names. There could be maximum of three persons in joint holding mode. In case of Single holding, only Sole holder will be authorised to make investment, redemption, switch or other incidental transactions. If mode of holding is joint, all holders need to sign the papers jointly towards investment, redemption, switch and all other incidental matters. In case of joint holdings with instruction of any one or survivor- any holder can sign the papers towards investment, redemption, switch and all other incidental matters.

 Death Certificate – original or Copy thereof duly attested by a Notary Public or by a Gazetted officer will be required. It is advisable to arrange multiple copies of the Death Certificate for your record. Extra copies of the Death Certificate can be obtained by paying a nominal fees.

Please note that this online facility is available only for the mutual funds whose RTA (Registrar & Transfer Agent) is CAMS. To avail this facilty, Mobile number and email Id of the investor should be registered in the records of CAMS. The 2nd holder should click here. However before starting this process, he should keep two colour digital photographs of cheques of old and New Bank Account of first investor ready. The cheques should be pre printed with name of the investor. The photo of these cheques should be taken from your mobile. You can refer the cheque image guidelines click here for best results. Please note that the new bank details needs to be of First investor’s bank account only.

The second holder needs to fill up the specified form of that particular AMC for changing the bank mandate. Submit this form along with the copy of cancelled cheque of old bank and new bank with name and account number pre-printed thereon to the AMC or RTA. Click here to download the form.

But please note that the new details also needs to be of First investor’s bank account only.

The surviving holder needs to complete the Transmission Process first. During the Transmission Process itself, the second holder should fill up and submit the specified form of that particular AMC for changing the bank mandate. Along with this form, Cancelled cheque leaf with name and bank account number pre-printed thereon OR copy of bank statement / Photocopy of Bank Passbook with current entries attested by a Notary Public or a Gazetted Officer or Bank Manager should be attached. Please note that the new bank details needs to be of second joint investor’s  bank account .

Nominee can not be changed online. The specified form for change of nominee needs to be filled up, signed by the all the investors and submitted with the details of nominee to the office of AMC or RTA. For downloading the Nominee updation form, click here

For getting address of RTA or Mutual Funds, click here

KYC can be completed on websites of most of the Mutual funds. For example, You can click here. But before clicking on the link, please be

ready with the following documents –

Image of PAN,
Image of address proof (Aadhar / Voter ID/ Passport etc),
Image of sign and
Image of cancelled cheque.

All documents should be self attested. Now you can complete online process of KYC through using the aforesaid link.

You can get the KYC done offline also. You can download the forms from the following link. https://www.amfiindia.com/know-your-customer Please fill up the downloaded form, attach following documents with it and submit to the office of AMC or RTA – 

Latest photo
Copy of Pan card
Copy of address proof

All these documents should be self attested.

For online Cancellation – You need to have Folio number of your mutual fund SIP, bank account number associated with the folio and PAN. With these details, you can login into the concerned mutual fund website. Thereafter, you have to select the ongoing SIP for which you wish to cancel SIP and click on “Cancel SIP” (to know web site link of mutual fund click here)
For Offline cancellation – For canceling SIP, You can request your mutual fund to initiate the process of cancelling the SIP. For this you need to submit the duly filled in prescribed form to the office of mutual fund or concerned RTA. Please click here for downloading the relevant form.

In such case, the process by which the investments are transferred to the second owner / second holder is called Transmission. Please fill the transmission form with common application form. Documents to be submitted in case of an Individual investor are – (A) Form T2 (B) Death Certificate of deceased Investor in original or Photocopy duly attested by a Notary Public or a Gazetted Officer (C) Cancelled cheque leaf with name and bank account number pre-printed thereon of Second holder OR copy of bank statement / Photocopy of Bank Passbook of second holder with current entries attested by a Notary Public or a Gazetted Officer or Bank Manager.

In such case, the process by which the investments are transferred to the remaining owners is called Transmission. Please fill the transmission form with common application form. Documents to be submitted are – (A) Form T1, (B) Death Certificate of deceased Investor in original or Photocopy duly attested by a Notary Public or a Gazetted Officer.

In this case, the nominee should submit Form T3, Death Certificate of deceased Unit Holders in original or Photocopy duly attested by a Notary Public or a Gazetted Officer, KYC of the nominee or Guardian (in case of nominee being a minor / or of unsound mind),Cancelled cheque leaf with name and bank account number pre-printed thereon of the nominee OR copy of bank statement / Photocopy of Bank Passbook of the nominee with current entries (not older than 3 months) attested by a Notary Public or a Gazetted Officer or Bank Manager, Copy of Birth Certificate (in case the nominee is a minor). Addionally, please submit Bank Attestation of Signature of the nominee or Guardian (in case the nominee is a minor) by the Bank Manager as per Annexure-I where Transmission value is up to ₹200,000. Or by a Notary Public or a Judicial Magistrate First Class, if the Transmission value is more than ₹200,000: (in the space provided in TRF- (Transmission Form Request).

In this case, the legal heir should submit Form T3, Death Certificate of deceased Unit Holders in original or Photocopy duly attested by a Notary Public or a Gazetted Officer, KYC of the legal heir or Guardian (in case of legal heir being a minor / or of unsound mind), Cancelled cheque leaf with name and bank account number pre-printed thereon of the legal heir OR copy of bank statement / Photocopy of Bank Passbook of the legal heir with current entries (not older than 3 months) attested by a Notary Public or a Gazetted Officer or Bank Manager, Copy of Birth Certificate (in case the legal heir is a minor). Addionally, please submit Bank Attestation of Signature of the legal heir or Guardian (in case the legal heir is a minor) by the Bank Manager as per Annexure-I where Transmission value is up to ₹200,000 or by a Notary Public or a Judicial Magistrate First Class, if the Transmission value is more than ₹200,000: (in the space provided in TRF – (Transmission Form Request). There needs to be submitted a few more papers to substantiate the claim of legal heir. An indemnity bond to be executed by all the legal heirs in Annexure -II ,Individual affidavits by all the claimant legal heirs in Annexure -III  and NOC by other legal heirs not claiming in Annexure IV will also be required 

In such case, documents required to be submitted are – Form-T4, Death Certificate of deceased Karta in original or Photocopy duly attested by a Notary Public or a Gazetted Officer, KYC of the New Karta, Cancelled cheque leaf with name and bank account number pre-printed of new Karta OR copy of bank statement / Photocopy of Bank Passbook of new Karta with current entries (not older than 3 months) attested by a Notary Public or a Gazetted Officer or Bank Manager, Bank’s letter certifying / attesting the signature and details of new Karta in the bank account of the HUF as per Annexure-I and any appropriate document evidencing relationship of the new Karta and the other coparceners with the deceased Karta. Besides, An Indemnity Bond for change of Karta upon demise of Karta is to be submitted in Annexure -V to be signed by all the co-parceners including the Karta. 

In such case, documents required to be submitted are – Form-T5, Death Certificate of deceased Karta in original or Photocopy duly attested by a Notary Public or a Gazetted Officer, Copy of Birth Certificate of Claimant (if minor), KYC of the claimant or Guardian (if claimant is minor or of unsound mind),Cancelled cheque leaf with name and bank account number pre-printed of the claimant OR copy of bank statement / Photocopy of Bank Passbook of the claimant with current entries (not older than 3 months) attested by a Notary Public or a Gazetted Officer or Bank Manager, Addionally, please submit Bank Attestation of Signature of the claimant or Guardian (in case the claimant is a minor) by the Bank Manager as per Annexure-I where Transmission value is up to ₹200,000 or by a Notary Public or a Judicial Magistrate First Class, if the Transmission value is more than ₹200,000: in the space provided in TRF – (Transmission Request Form).

There needs to be submitted a few more papers to substantiate the claim of the claimant. A Bond of Indemnity to be executed by claimant in Annexure -VI is to be submitted by the claimant on dissolution of HUF or when there are no surviving members after demise of Karta. 

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