SIP USING UPI
Lighting lives beyond Diwali: How everyday Indians are making a difference through giving
An RBI officer, a Bengaluru retailer, a safari lodge owner and a 24-year-old money coach tell us how giving a little, steadily, lights someone else’s life, long after Diwali.
Will Rs 5 lakh crore bet on Jio open floodgates for India's mega IPOs?
Jio Platforms' recent IPO generated considerable public enthusiasm, showcasing a notable appetite for large-scale offerings among investors. This wave of interest could prompt other firms to accelerate their IPO plans. Experts suggest that the viability of future IPOs will hinge on prevailing market trends and investor mood. Additionally, the significant funds from Jio's IPO will soon be redirected into various investment avenues, potentially bolstering upcoming offerings and shaping pricing strategies.
₹199 + ₹299 + ₹499 are eating your salary quietly: How to track subscriptions and recurring expenses automatically
Many individuals overlook the accumulated cost of multiple small subscriptions on their finances. Tracking these recurring payments can help users make informed financial decisions. Financial apps provide tools to identify ongoing subscriptions and their costs. Reviewing subscription value regularly can lead to potential savings and budget adjustments. Additionally, setting balance alerts can assist users in managing their funds effectively.
SIFs should be satellite holdings, not the core of portfolios: Morningstar CEO Kunal Kapoor
With most SIFs only months old, early performance data offers limited insight into their long-term potential, Kapoor said. While the new category could expand India’s managed-investment market and intensify competition, investors should prioritise simplicity, diversification and cost discipline.
ETMarkets Smart Talk| F&O STT, UPI charges and trading costs: Sandeep Neema on the hidden drag on retail returns
In this segment of ETMarkets Smart Talk, we speak with Sandeep Neema, Director and Fund Manager at PL Asset Management, about the real risks facing retail investors, the hidden cost of excessive trading, and why he believes the market is increasingly rewarding discipline over churn.
How will MDR on UPI affect your mutual fund investments? Will AMCs and brokers pass on the costs to users?
The introduction of a 0.02% merchant discount rate will impact specific mutual fund and broking transaction payments. One-time investments in mutual funds and broker wallet replenishments will be subject to this fee, while recurring mutual fund SIPs via UPI AutoPay will remain exempt. Discount brokers engaging in high-value trades will experience the greatest repercussions from these modifications, and their clients could ultimately face increased costs.
- Go To Page 1
ETMarkets Smart Talk| STT, GST, brokerage, UPI charges: Varun Saboo on the hidden cost of frequent trading
In this episode of ETMarkets Smart Talk, Varun Saboo, Head – Equities at Anand Rathi Share and Stock Brokers, breaks down the hidden cost of frequent trading, explains why the impact differs sharply between long-term investors and active traders, and shares what investors should keep in mind when evaluating returns after transaction costs.
UPI for mutual funds: Benefits, limits and impact of new MDR explained
Unified Payments Interface (UPI) enables convenient investment in mutual funds through instant payments and SIPs. Investors appreciate UPI for its ability to process transactions 24/7 and avoid manual input. Recently, a 0.02% merchant discount rate was introduced on certain UPI transactions, affecting one-time investments. However, SIPs under UPI AutoPay remain exempt from this fee, easing investor concerns.
New UPI MDR Explained: Impact on mutual funds, brokers & investors
The implementation of a new 0.02% merchant discount rate will influence certain UPI transactions, including one-time contributions to mutual funds and topping up broker wallets. Notably, recurring SIPs using UPI AutoPay will remain exempt from this fee. Discount brokerage firms may see a rise in operational costs, which could lead to indirect cost implications for their clients.
UPI MDR explained for investors: How will new charges impact your mutual fund SIPs and stock investments?
From October 15, MDR will apply to select UPI person-to-merchant payments above Rs 2,000, but not to all such transactions. UPI AutoPay and mandates will be treated separately, while mutual funds and capital-market payments will attract a lower MDR. Importantly, the charge will be borne by merchants, not customers, raising questions over its impact on SIPs and stock investments.
New charges on UPI payments: Here's what you will be charged for stock market investments
UPI payments for capital market transactions will attract a nominal 0.02% Merchant Discount Rate, capped at Rs 300. The fee covers mutual funds, securities, brokers and dealers, with limited impact expected for long-term investors but greater sensitivity among frequent traders.
“Whether we leave anyone behind”: Sameer Nigam’s blueprint for PhonePe’s second decade
At Global Fintech Fest 2026, PhonePe founder‑CEO Sameer Nigam framed the company’s first ten years as the construction of India’s financial rails and unveiled a second act tied to a single question: whose progress still remains outside the frame?
You don’t need a Rs 2 lakh salary to be financially stable: CA shares important money habits that matter more than how much you earn
CA Nitin Kaushik shared eight money habits that can help people build financial stability without earning a huge salary. He recommends tracking income and expenses, saving before spending, maintaining an emergency fund, avoiding lifestyle inflation, clearing expensive debt, automating financial commitments, protecting existing wealth and giving every extra rupee a purpose. His core message: financial security comes from consistently repeating smart money habits.
PhonePe's Sameer Nigam unveils vision for next decade of financial inclusion at GFF 2026
PhonePe has shared its ambitious ten-year strategy aimed at transforming India's digital landscape and promoting financial inclusion. By eliminating obstacles like the necessity for smartphones or bank accounts, the company plans to facilitate broader access to digital finance. With innovative solutions like UPI 123Pay and UPI Circle, PhonePe is also making wealth building simpler through daily savings and investment choices, while enhancing credit availability and equipping merchants with advanced tools.
Why are Registered Investment Advisers so rare in India? The big reason may surprise investors
In the Indian investment landscape, a stark difference exists between mutual fund distributors who earn commissions and fee-only advisors who charge direct fees. This distinction has left many investors perplexed. Industry professionals have embarked on varying paths, revealing the challenges posed by regulatory complexities and compliance demands. The market is in need of clearer guidelines and supportive regulations to enhance the viability of independent advisory practices.
Bengaluru techie felt 'rich' with Rs 1.8 lakh monthly salary. Then a family emergency exposed the financial mistake Gen Z earners ignore
A Bengaluru techie’s experience shows how a high monthly income and regular investments can create a strong sense of financial security, while an unexpected family crisis can reveal gaps that are easy to overlook. His story led to a discussion among young earners about saving, investing, emergency preparedness and what being financially secure actually means.
How to set up auto debit for your SIPs and utility bills: A step-by-step guide
Investors can automate payments for mutual fund SIPs, utility bills, and other recurring transactions through NACH mandates, UPI auto-debit, or bank auto-pay. These mandates can be easily managed via various online portals. The RBI mandates sending pre-debit notifications.
How to Start a Crypto SIP: A Beginner-Friendly Guide
Crypto investing can be easy with Systematic Investment Plans or SIPs. Platforms like Mudrex allow investing small amounts regularly. A crypto SIP is similar to mutual fund SIPs, but for digital assets. It helps reduce risk by averaging out costs. Starting a crypto SIP in India is simple. Choose a platform, complete KYC, add funds, and set your investment frequency.
How to make NPS contributions using UPI-enabled QR code
The QR code is unique to each subscriber and may be kept offline for payments; the QR codes for Tier I and Tier II are different.
PFRDA allows NPS subscribers to deposit contributions through UPI QR code
Under this new mechanism, subscribers will utilise the UPI QR Code to transfer their contributions. It is important to note that the D-Remit virtual account is distinct from the Permanent Retirement Account Number (PRAN), it said. Furthermore, it said, the virtual account numbers differ for Tier I and Tier II NPS accounts and so do the QR codes. Highlighting benefits of D-Remit, it said, same-day investment can be done, periodic auto debit or One-Time or Regular Contribution can be done.
Mirae Asset Mutual Fund launches UPI AutoPay mandate
“At Mirae Asset one of our foremost principles is Clients First approach, we have always believed in providing our investors with efficient solutions. UPI has already revolutionised payments, with UPI autopay we are introducing a new facility which has the potential to revolutionise SIPs. We are confident this facility should help our investors to adopt UPI autopay as a preferred mode for Mandate registrations.” said Shrinivas Khanolkar, Head - Products, Marketing & Corporate Communications, Mirae Asset Investment Managers (India) Pvt. Ltd.
RBI makes UPI payments easier for investments, online shopping, hotel bookings
The Reserve Bank of India, in its Statement on Development and Regulatory Policies announced the new mandates in UPI payment system. As per the announcement, a merchant will be able to make multiple debits for maximum permitted amounts instead of single debit allowed currerntly. Read on to know more about it.
UPI AutoPay: Tata Mutual Fund to offer SIP via UPI Autopay
According to a news release published by CAMS, TATA Mutual Fund has enabled one-time and recurring payments on their digital properties via CAMSPay's UPI AutoPay.
Third-party apps turn on UPI autopay mode
Autopay allows users to make recurring transactions below Rs 5,000 through UPI apps. Most of these currently take place through card-based mandates that are more sophisticated, and settlements more expensive.
PhonePe mulls own mutual fund business application
CEO Sameer Nigam says the company can do scant little to reduce UPI market share. PhonePe has emerged as the largest UPI app with over 45% monthly market share, beating rivals like Google Pay, Paytm and Amazon Pay.
Banks, payment companies rue the lack of ‘standing instruction’ feature on UPI
According to two bankers who are close to the development, National Payments Corporation of India is looking for a launch date around August 15 and wants a senior RBI executive to launch it officially.
How to do mutual fund transactions using UPI
Investors can now make payments for their online mutual fund transactions using Virtual Payment Address (VPA). Here's how you can do it.
IDFC MF offers UPI payment facility to its investors
This facility will be available to existing as well as new investors for lump sum purchases, and would subsequently be extended for SIP registrations.
Load More
