Finally author has realized that investing through distributor is a better option rather than running here & there or wasting time to fill up the online informations. Also, if there is any mistake in Account Statement, he will have to follow with AMC or Registrar for that. During redemptions, he will again have to take out time. In case, a declared dividend is not received, again follow up with AMC or Registrar. 2% to save these hassles is worth.