उत्पाद विवरण
ब्रोकरेज और शुल्क
No fee is charged to users for investing in mutual funds. However, it is important to understand that HDFC Sky only offers 'regular mutual fund schemes' and not 'direct mutual fund schemes'. Regular mutual fund schemes charge a higher expense ratio - (expense ratio is a fee which is charged by all mutual funds schemes from mutual fund investors). Regular mutual fund schemes charge a higher expense ratio because they have built-in commission for mutual fund distributors/platforms selling regular mutual fund schemes like HDFC Sky.
खाता खोलने का शुल्क
Free
पात्रता
Any Indian resident can apply.
वार्षिक शुल्क
INR 240 from second year onwards. First year free.
HDFC Sky Mutual Funds Investment App Review
विशेष लक्षण
Free access to US Stocks and ETFs: While the core focus is mutual funds, HDFC Sky offers access to invest in US Stocks and ETFs, allowing for further diversification beyond Indian markets (charges may apply for US stock trading).
विशेषताएँ
दोष
Limited to regular plans: Currently, HDFC Sky does not offer direct mutual funds, which typically have lower expense ratios. This might mean slightly lower returns compared to direct plans.
New platform: Being a relatively new platform, HDFC Sky might have occasional technical glitches or require further development in terms of features.
पेशेवरों
Convenience: The HDFC Sky platform is accessible through their app and web platform, offering flexibility in how you manage your investments.
Wide range of options: They offer a selection of over 2,000 mutual funds from over 29 fund houses. This provides a good degree of diversification for your portfolio.
Access to research: HDFC Sky offers access to research from HDFC Securities, potentially aiding your investment decisions (though it might not be as comprehensive as some dedicated research platforms).
SIP (Systematic Investment Plan): The platform allows setting up SIPs for disciplined and potentially cost-averaged investments.
पक्ष - विपक्ष
आवेदन कैसे करें?
Opening an account with HDFC Sky is a simple process. You can choose to open the account either online or by visiting a branch.
Online Account Opening:
Visit the HDFC Sky website: Go to the official HDFC Sky website: https://hdfcsky.com/
Click on "Sign Up": Enter your email address and a referral code (optional), then click "Sign Up."
Fill in the application form: Provide your personal and financial details as required.
Complete KYC verification: Upload scanned copies of your identity and address proof documents.
Link your bank account: Provide your bank account details for seamless transactions.
Start investing: Once your account is approved, you can start investing in stocks, mutual funds, and other instruments through the platform.
Offline Account Opening (Branch Visit):
Locate a branch: Find the nearest HDFC Bank branch that offers HDFC Sky services.
Visit the branch: Carry original and photocopies of your identity and address proof documents.
Fill the application form: A bank representative will guide you through the process.
Submit documents: Submit the filled application form along with the required documents.
Verification and approval: The bank will verify your documents and approve your account opening.
Start investing: Once your account is active, you can start investing through the HDFC Sky platform.
आवश्यक दस्तावेज़
Aadhaar and PAN for online account opening.
खाता खोलना और प्रक्रियाएं
आवश्यक दस्तावेज़
Aadhaar and PAN for online account opening.
आवेदन कैसे करें?
Opening an account with HDFC Sky is a simple process. You can choose to open the account either online or by visiting a branch.
Online Account Opening:
Visit the HDFC Sky website: Go to the official HDFC Sky website: https://hdfcsky.com/
Click on "Sign Up": Enter your email address and a referral code (optional), then click "Sign Up."
Fill in the application form: Provide your personal and financial details as required.
Complete KYC verification: Upload scanned copies of your identity and address proof documents.
Link your bank account: Provide your bank account details for seamless transactions.
Start investing: Once your account is approved, you can start investing in stocks, mutual funds, and other instruments through the platform.
Offline Account Opening (Branch Visit):
Locate a branch: Find the nearest HDFC Bank branch that offers HDFC Sky services.
Visit the branch: Carry original and photocopies of your identity and address proof documents.
Fill the application form: A bank representative will guide you through the process.
Submit documents: Submit the filled application form along with the required documents.
Verification and approval: The bank will verify your documents and approve your account opening.
Start investing: Once your account is active, you can start investing through the HDFC Sky platform.
खाता खोलना और प्रक्रियाएं
HDFC Sky Mutual Funds Investment App Review
HDFC Sky can be a good option for investors seeking a convenient platform for mutual funds and the ability to invest in US stocks and ETFs. However, it should be considered that it only offers regular mutual funds, and the tools and other resources are very limited and outdated.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
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