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India Post’s vast reach may not translate into mutual fund sales
Mutual fund sales via India Post face hurdles as postmen shift from guaranteed savings products to risk-linked funds without strong digital onboarding or investor education.
Despite India Post’s network of 1.6 lakh branches, plans to train postmen to sell mutual funds face execution challenges, experts say. Transitioning from savings products to risk-linked funds requires digital onboarding and deeper investor education. Mutual fund complexity, rural investor expectations of sovereign guarantees, and KYC hurdles are cited as barriers. AMFI will initially allow only simple products like index and liquid funds, but success hinges on streamlined digital tools and training.