Does ET Money actually charge for basic direct plan investments now, or is that ₹249/month "Genius" plan just an optional advisory upgrade? Before I switch, shouldn't I confirm whether other platforms like Groww or Kuvera truly keep all direct SIPs entirely free?

If GST 2.0 is supposed to simplify taxes and lower costs, should I also consider how quickly these benefits will actually reach consumers? And if manufacturers don’t pass on the reduced tax burden, could that limit the real impact on my daily expenses?