Data Updated: Dec 31, 2025
Indian Mutual Fund Expense Analyzer
Compare the expense ratios of Regular vs Direct plans for over 2,000 schemes. See the exact amount you lose to distributor commissions over time.
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Why Expense Ratios Matter?
A small difference of 1% in expense ratio might seem insignificant, but over long periods, thanks to the power of compounding, it can significantly impact your total wealth.
- Regular Plans: Include distributor commissions, leading to higher TER (Total Expense Ratio).
- Direct Plans: No commissions, lower TER, and significantly higher returns over time.
How we calculate the loss?
We use the standard Compound Interest formula to calculate the potential future value of your monthly SIPs for both plans.
Loss = FV(Direct) - FV(Regular)
Where Future Value (FV) = P × [((1+r)^n - 1) / r] × (1+r)
• P = Monthly SIP Amount
• n = Total months (Years × 12)
• r (Direct) = 12% / 12
• r (Regular) = (12% - Expense Ratio Difference) / 12
• n = Total months (Years × 12)
• r (Direct) = 12% / 12
• r (Regular) = (12% - Expense Ratio Difference) / 12
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Data Transparency & Source:
- • Source: AMFI - TER of MF Schemes
- • Data Points Used: "Regular Plan - Total TER (%)", "Direct Plan - Total TER (%)", and "TER Date".
- • Calculations are for illustration only (Assumed 12% CAGR). Not investment advice.