Your Numbers
Same fund, same gross return — only the expense ratio differs.
- Direct and Regular are the SAME underlying portfolio — the Regular plan’s expense ratio includes a distributor commission.
- A Direct plan means you pick and review funds yourself; a Regular plan comes with an advisor or distributor whose guidance has value to some investors.
- Expense ratios change over time and differ by fund — use the actual ratios from the scheme document.
AI Insights
DhanRadar AIA small yearly cost gap compounds silently. Even 1% extra in expenses each year doesn’t feel large, but over 15–20 years it quietly erodes a significant slice of your corpus — because the fee is charged on the growing balance, not just what you put in.
The expense ratio works like a guaranteed drag. Markets go up and down, but the fund house deducts its expense ratio every single year regardless. That makes a lower ratio the one near-certain edge available to you within the same fund.
For education only — not investment advice. A cost illustration on your own inputs; returns are your assumption and real markets vary.
Related Calculators
Calculations are estimates for illustration only and assume a constant annual return, which real markets do not provide. DhanRadar is a research & analytics platform, not an investment advisor. Mutual fund investments are subject to market risks.