SEBI MF Rules 2026: Your Fund Fees Now Have a Hard Cap
SEBI has amended its Mutual Fund Regulations in 2026 to tighten rules on how fund houses operate, disclose costs, and protect investors — meaning your SIP money now has stronger guardrails around fees and fund management practices.
A 0.5% extra fee on ₹10L SIP over 20 years silently eats ₹3.2L from your corpus
Max fee SEBI allows AMCs to charge on your direct mutual fund plan
Key Takeaways
Check your mutual fund statement on MF Central or CAMS to confirm you are in a direct plan and not paying excess TER above SEBI limits.
Compare the expense ratio of each fund in your portfolio on Value Research or SEBI's official MF portal — switch to lower-cost options where returns are similar.
If your SIP is through a distributor (regular plan), ask for the exact commission being paid — SEBI's rules now make this information mandatory to disclose on request.
SEBI has amended its Mutual Fund Regulations in 2026 to tighten rules on how fund houses operate, disclose costs, and protect investors — meaning your SIP money now has stronger guardrails around fees and fund management practices.
Here's what happened: SEBI amended the Mutual Funds Regulations 2026 to strengthen investor protection, cost transparency, and accountability of AMCs managing your SIP money.. The amendment reinforces strict Total Expense Ratio (TER) caps — direct plans are capped at 1.05% — preventing fund houses from quietly hiking charges on your investments.. Fund houses must now comply with updated governance, disclosure, and categorisation norms, reducing the risk of mis-selling or hidden cost structures in your portfolio..
What you should do: Check your mutual fund statement on MF Central or CAMS to confirm you are in a direct plan and not paying excess TER above SEBI limits.. Compare the expense ratio of each fund in your portfolio on Value Research or SEBI's official MF portal — switch to lower-cost options where returns are similar.. If your SIP is through a distributor (regular plan), ask for the exact commission being paid — SEBI's rules now make this information mandatory to disclose on request..
Switching from a regular plan to a direct plan of the same fund can save 0.5–1% annually — on a ₹50,000/month SIP over 15 years, that difference compounds to ₹8–12 lakh extra in your pocket.
Check Your SIP Costs
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- [1]“Securities and Exchange Board of India (Mutual Funds) (Amendment) Regulations, 2026” SEBI RSS Feed · 8 Jul 2026
This article is reported by GoCredit's Editorial Team based on the source above. GoCredit synthesises, contextualises, and adds India-borrower-relevant analysis. We are not the original publisher.