When a minor attains majority, you must get the folio status changed to the investor’s name (Minor → Individual/Major). Until the RTA/AMC receives complete documents, many fund houses suspend/stop further transactions (SIPs/STP/SWP) in that folio. The process is done by submitting a Minor Attaining Majority (MAM) request + supporting documents to the RTA (CAMS or KFin/previously Karvy) or the AMC.

      1. Download CAMS “Minor Attains Major / MAM” form from CAMS/AMC website (or use the AMFI MAM form).

      2. Complete the form: enter folio number(s), date of birth, PAN, KYC/CKYC number, bank details to be updated, whether guardian name is to be removed, and list of folios to be converted.

      3. Get the major’s signature attested in the space provided (by registered guardian, bank, notary or JMFC) or get bank’s Signature Confirmation in the prescribed annexure if relying on bank attestation.

      4. Attach copies — PAN, KYC acknowledgement or KYC form, cancelled cheque/bank proof, nomination form (if any), any other AMC-specific doc.

      5. Submit to CAMS investor service centre / AMC / RTA office as per instructions on the form (postal/courier or in-person). (CAMS provides service-request submission details and investor help pages).

      6. Processing / effect: CAMS/AMC will verify documents, update KYC/PAN mapping and convert the folio to Major. After conversion you may need to re-register SIP/mandates (if applicable) because mandates       are on the previous guardian/folder. (TAT varies by AMC/RTA and depends on completeness).

      1. Download the “Minor Attaining Majority / MAM” form from the AMC or KFin (RIS) forms page (or use AMFI MAM).

      2. Fill the form with folio details, DOB, PAN, KYC/CKYC details and tick items to update (bank, nomination, tax status).

      3. Signature attestation — get the major’s signature attested by guardian (if guardian signature is on records), or banker’s confirmation in the specified bank declaration format, or a notary/JMFC. KFin accepts bank       attestation in an ISR2/Bank Declaration format.

      4. Attach PAN copy, KYC acknowledgment, cancelled cheque (name printed) / bank statement, new nomination, fresh SIP mandate (if you want SIPs to continue).

      5. Submit to KFin Investor Service Centre / AMC office (as per the form instructions). KFin’s investor charter shows TATs are indicative and may vary by fund.

      6. Processing — KFin verifies and updates the folio; once KYC/PAN mapping is done and signature accepted, folio status changes to individual/major.

TAT varies by AMC / RTA and completeness of documents. Some AMCs/RTAs quote a few business days; others can take a few weeks if additional verification is needed or if original documents are required. Always assume anywhere between 3–30 business days depending on the fund, completeness and whether physical verification / bank confirmations are required. KFin/CAMS both note TATs are indicative and fund dependent.

      1. Transactions may be blocked once the minor reaches the date of majority until the MAM and KYC/PAN are updated. Submit documents before the 18th birthday if possible.

      2. PAN + KYC (CKYC) are the most important items — get PAN issued (minors can get PAN) and complete CKYC early. Many AMCs will not process further transactions without PAN/KYC/Aadhaar.

      3. Signature attestation: if the guardian’s signature is already in the folio records, the guardian can attest the major’s signature in the MAM form; otherwise, bank/notary/JMFC are common options.

      4. Bank mandate / mandates for SIP: mandates are usually tied to the earlier bank/guardian — submit fresh mandate forms so SIPs continue without interruption.

      5. If folios are in Demat: contact your DP (depository participant) and RTA — demat folios have a separate flow.

      6. If you use a distributor/aggregator they may have an internal on-boarding step and may move folios after KYC & PAN updates. Processing times quoted by such platforms can be longer (2–4 weeks).