Direct vs Regular Plan Savings
Direct plans have lower expense ratios because they cut out the distributor commission. Even a small difference compounds into lakhs over time.
You save with Direct
₹13.6 L
over 20 years
₹
12% p.a.
Expense Ratios
Direct
%
Regular
%
Difference 1.20% leaked to commissions
You save with Direct Plan
₹13.6 L
That's 17% more than Regular plan · over 20 years
Direct
₹92.2 L
Effective: 11.4% p.a.
Regular
₹78.6 L
Effective: 10.2% p.a.
Growth Comparison
Direct
Regular
Invested
Total Invested
₹24.0 L
Direct Gain
₹68.2 L
Commission Lost
₹13.6 L
Why does this matter?
- Regular plans pay 0.5–1.5% commission to distributors from YOUR returns
- A 1.2% difference compounds into ₹13.6 L over 20 years
- Direct plans are identical funds — same manager, same portfolio, same risk
- You can switch from Regular to Direct anytime (may trigger capital gains tax)
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns.
This calculator is for illustrative purposes only. Actual returns may vary.