Meezan Charged Me 2% FEL for No Reason?!

Hi Guys,

I’m 19M and have around 4 to 5 lac in savings. I want to invest in mutual funds so my money grows, and by the time I turn 40, I have enough to retire.

As a test, I invested 5k into Meezan Mutual Fund, but they charged me a 2% Front-End Load (FEL)—even though I didn't use any agent or services. I did all the research and invested on my own.

When I called an agent to ask why they charged me, he rudely responded:
"Govt ki taraf se allowed hai, ap online aaye hain, hum le sakte hain."

Like, seriously? 😤 I want to invest a huge amount, but if they charge 2% FEL, I’d end up paying 20k+ just in fees! That’s crazy.

How can I avoid or reduce these charges? Any advice would be appreciated! 🙏