Mutual funds, a popular investment vehicle for wealth growth, can be transferred or gifted to loved ones through a demat account. To transfer units, investors must convert their mutual fund units into demat format and follow a specific process, either online or offline. Online transfers involve logging into the demat account, selecting the transfer option, and submitting the details. Offline transfers require a Conversion Request Form (CRF) submitted to a depository participant (DP). A transaction fee of 0.03% of the transfer value or ₹25 (whichever is higher) plus 18% GST applies, along with a stamp duty of 0.015%. Gifting mutual fund units has tax implications; gifts to relatives are fully exempt, while gifts to non-relatives exceeding ₹50,000 are taxable. In cases of the original investor's death, mutual fund units can be transferred to a nominee or joint holder through a process known as 'transmission', requiring legal documents. Investors should seek advice from certified experts before making investment decisions.