Bangalore: In order to help investors execute their transactions, the Registrar and Transfer (R&T) agent has a wide network of branches across the country. An R&T agent acts as a third party on behalf of a fund house. The branch network of R&T allows investors to get forms, submit them and even get their transaction statements. Investors can seek great help in procuring information and details on new fund offers. Mutual funds houses have to maintain records of various transactions like buying, selling, switching units or even requesting the banks to change the residential addresses and email ids of the investors. Such transactions are very important to be managed and maintained. This is not the core job of the mutual fund houses. They might not be willing to invest in this function or they may not have the skill to manage such huge transactions professionally. The R&T agent will now take up this job from the mutual fund houses through its offices across the country. Computer Age Management Services (CAMS), Karvy and Deutsche Investor Services are the three main transfer agents, which maintain these records. Mutual fund houses perceive that R&T agents help in saving costs and help reach out to a larger number of investors. The mutual fund will pay fees for the services offered by the R&T agent. Depending on the volume of transactions, the charges will be decided and for this the investors need not pay any service fee at the R&T agent's office.