Indian Mutual Fund Investments: Direct vs Distributor

Indian investors are putting money into mutual funds in different ways.

Some use financial advisors or banks (distributors), especially for stocks, while others invest directly through apps.

Direct investing is becoming more popular, particularly in debt and money market funds.

The shift is driven by digital platforms, allowing people to invest independently with lower costs.

Direct plans have grown from 45% in 2024 to 48% in September 2025.

Institutional investors favor debt funds, while individual investors lean towards stocks.

The trend suggests a move towards more online, self-directed investing.