Exit Load Kya Hai?
Agar aap Mutual Fund mein invest karte hain ya invest karne ki planning kar rahe hain, to Exit Load ke baare mein jaanna bahut zaruri hai. Bahut se naye investors sirf returns par dhyan dete hain aur Exit Load ko nazarandaaz kar dete hain. Lekin agar aap bina samjhe apna paisa jaldi nikal lete hain, to aapko Exit Load ke roop mein kuch amount dena pad sakta hai.
Saral bhasha mein, Exit Load ek charge (fee) hota hai jo Mutual Fund Company tab leti hai jab investor nirdharit samay se pehle apni units redeem (bech) deta hai.
Yeh charge isliye lagaya jata hai taaki investors baar-baar fund mein entry aur exit na karein aur long-term investment ko badhava mile.
Exit Load Ka Matlab Kya Hota Hai?
Exit Load ka matlab hai ki agar aap Mutual Fund ki units ko scheme ke niyamon ke anusaar tay ki gayi avadhi se pehle bechte hain, to Fund House aapse ek chhota sa charge vasool karta hai.Har Mutual Fund Scheme ka Exit Load alag ho sakta hai
Udaharan
Kisi scheme mein 1 saal ke andar redeem karne par 1% Exit Load ho sakta hai.
Kisi scheme mein 6 mahine ke andar 0.5% Exit Load ho sakta hai.
Kuch schemes mein Exit Load bilkul nahi hota.
Exit Load Kyon Lagaya Jata Hai?
Mutual Fund Companies Exit Load kai karanon se lagati hain
1. Long-Term Investment Ko Badhava Dena
Mutual Funds ka uddeshya long-term wealth create karna hota hai. Agar log baar-baar paisa nikalte rahenge to fund ko manage karna mushkil ho sakta hai
2. Frequent Trading Rokna
Agar Exit Load na ho to kai investors market ke chhote movements par baar-baar buying aur selling karenge.
3. Existing Investors Ki Suraksha
Jab bahut saare log ek saath paisa nikalte hain, to Fund Manager ko assets bechne padte hain. Isse baaki investors par bhi asar pad sakta hai. Exit Load is prabhav ko kam karne mein madad karta hai.
Exit Load Kaise Kaam Karta Hai?
Maan lijiye aapne ek Mutual Fund mein ₹1,00,000 invest kiye.
Scheme ki shart hai
1 saal ke andar redeem karne par 1% Exit Load.
Agar aap 8 mahine baad apni investment redeem karte hain aur us samay aapki investment ki value ₹1,20,000 ho gayi hai, to Exit Load redemption amount par lagega.
Is sthiti mein
Redemption Value = ₹1,20,000
Exit Load = 1%
Aapko lagbhag ₹1,200 Exit Load dena pad sakta hai.Aapko lagbhag ₹1,200 Exit Load dena pad sakta hai
Baaki amount aapke account mein transfer kar diya jayega
Kya Har Mutual Fund Mein Exit Load Hota Hai?
Nahi.
Sabhi Mutual Funds mein Exit Load nahi hota.Kuch categories mein Exit Load ho sakta hai, jabki kuch mein bilkul nahi.
Udaharan:
Equity Mutual Funds – Aksar Exit Load hota hai.
Debt Mutual Funds – Scheme ke hisaab se ho sakta hai.
Liquid Funds – Kai schemes mein Exit Load nahi hota ya bahut kam hota hai
Index Funds – Scheme ke anusaar Exit Load ho sakta hai.
Isliye invest karne se pehle Scheme Information Document (SID) ya Factsheet zarur padhen.
Exit Load Kab Lagta Hai?
Exit Load tab lagta hai jab investor Scheme ki nirdharit lock-in ya holding period se pehle apni units redeem karta hai.
Udaharan
Holding Period. Exit Load
0–12 Mahine. 1%
12 Mahine Ke Baad. Nil
Yeh sirf ek udaharan hai. Har scheme ke niyam alag ho sakte hain
Exit Load Kis Amount Par Lagta Hai?
Bahut se investors sochte hain ki Exit Load sirf profit par lagta hai, lekin aisa hamesha nahi hota.
Aam taur par Exit Load redeem kiye gaye amount par calculate kiya jata hai, lekin exact calculation har scheme ke niyamon ke anusaar alag ho sakti hai.
Isliye investment karne se pehle scheme ke Exit Load Rules ko zarur padhen.
SIP Mein Exit Load Kaise Lagta Hai?
Agar aap SIP karte hain, to har SIP installment ko alag investment maana jata hai.
Maan lijiye:
January SIP
February SIP
March SIP
Agar aap August mein redemption karte hain, to har installment ka holding period alag-alag maana jayega. Isi hisaab se Exit Load calculate kiya ja sakta hai.
Yahi wajah hai ki SIP investors ko bhi Exit Load ke rules samajhna bahut zaruri hai.
Exit Load Aur Lock-in Period Mein Antar
Kai log Exit Load aur Lock-in Period ko ek hi samajh lete hain, jabki dono alag hain.
Exit Load ek charge hai jo jaldi redemption par lag sakta hai.
Lock-in Period woh avadhi hai jisme aap investment ko redeem hi nahi kar sakte.
Udaharan ke liye ELSS Mutual Fund mein 3 saal ka Lock-in Period hota hai. Jabki kai Equity Funds mein Lock-in nahi hota, lekin Exit Load ho sakta hai.
Naye Investors Ke Liye Salah
Invest karne se pehle Exit Load zarur check karein.Sirf short-term profit ke liye baar-baar redemption na karein.Long-term investment se Exit Load se bachne ke saath compounding ka bhi fayda milta hai.Scheme ki Factsheet aur SID ko padhne ki aadat banayein.
Exit Load Kaise Calculate Kiya Jata Hai?
Exit Load ki calculation samajhna bahut aasaan hai. Iske liye aapko sirf redemption amount aur Exit Load percentage ka pata hona chahiye.
Formula
Exit Load = Redemption Amount × Exit Load (%)
Udaharan 1
Investment Value = ₹50,000
Exit Load = 1%
Redemption 8 mahine baad
Calculation
₹50,000 × 1% = ₹500
Iska matlab aapke redemption amount se ₹500 Exit Load ke roop mein kaat liya jayega.
Udaharan
Investment Value = ₹2,00,000
Exit Load = 0.5%
Redemption 5 mahine baad
Calculation
₹2,00,000 × 0.5% = ₹1,000
Aapko ₹1,000 Exit Load dena hoga.
Exit Load Se Kaise Bachen?
Agar aap Exit Load dena nahi chahte, to kuch baaton ka dhyan rakhen.
1. Holding Period Pura Karein
Scheme mein jitna minimum holding period diya gaya hai, uske baad hi redemption karein.
2. Long-Term Investment Karein
Long-term investors ko aam taur par Exit Load ki chinta kam hoti hai.
3. Scheme Document Padhein
Invest karne se pehle Scheme Information Document (SID) aur Factsheet zarur padhein.
4. Emergency Fund Alag Rakhein
Emergency ke liye Mutual Fund par nirbhar na rahen. Isse jaldi paisa nikalne ki zarurat kam padegi.
Exit Load Ke Fayde
Exit Load sirf Fund House ke liye hi nahi, investors ke liye bhi faydemand ho sakta hai.
Long-Term Investment Ko Protsahan
Yeh investors ko discipline ke saath lambi avadhi tak invest karne ke liye prerit karta hai.
Frequent Trading Kam Hoti Hai
Isse unnecessary buying aur selling kam hoti hai.
Existing Investors Ki Suraksha
Fund Manager ko baar-baar assets bechne ki zarurat kam padti hai, jisse baaki investors ke hit ki raksha hoti hai.
Exit Load Ke Nuksan
Short-Term Investors Ko Charge Dena Padta Hai
Agar aap jaldi paisa nikalte hain, to aapke returns kam ho sakte hain.
Emergency Mein Nuksan
Achanak paison ki zarurat padne par Exit Load dena pad sakta hai.
Returns Par Asar
Exit Load ke kaaran redemption amount thoda kam mil sakta hai.
Exit Load Aur Tax Mein Antar
Bahut log Exit Load aur Capital Gain Tax ko ek hi samajh lete hain.Lekin dono alag cheezein hain.Exit Load Mutual Fund Company leti hai.Capital Gain Tax Sarkar ke niyamon ke anusaar lagta hai.Yeh dono ek saath bhi lag sakte hain
Kya Har Baar Exit Load Dena Padta Hai
Nahi.
Agar aap Scheme ki nirdharit avadhi ke baad redemption karte hain aur scheme mein Exit Load period khatam ho chuka hai, to aapko Exit Load nahi dena padta.
FAQs
Exit Load Kya Hota Hai?
Exit Load ek charge hai jo Mutual Fund Company jaldi redemption karne par leti hai.
Kya Har Mutual Fund Mein Exit Load Hota Hai?
Nahi. Har scheme ke rules alag hote hain.
Exit Load Kaise Check Karein?
AMC ki Website, Scheme Factsheet aur SID mein Exit Load ki jankari mil jaati hai.
Kya SIP Mein Bhi Exit Load Lagta Hai?
Haan. Har SIP installment ka holding period alag maana jaata hai.
Kya Exit Load Refund Hota Hai?
Nahi. Ek baar deduct hone ke baad ise refund nahi kiya jaata.
Nishkarsh
Exit Load Mutual Fund ka ek mahatvapurn hissa hai. Iska uddeshya investors ko long-term investment ke liye prerit karna aur fund mein baar-baar hone wali unnecessary buying aur selling ko rokna hai.Invest karne se pehle hamesha Scheme ki Exit Load Policy padhein. Agar aap lambi avadhi ke liye invest karte hain aur Scheme ke niyamon ka paalan karte hain, to adhiktar sthitiyon mein Exit Load se bach sakte hain.
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