Your investments
Use the total you hold in regular plans. If you are not sure which plan you hold, the fund name on your statement says Regular or Direct.
₹
₹
years
Without this, we assume the regular plan costs 1% a year more.
Change the assumptions
% a year
% a year
Equity funds usually pay 0.5% to 1.5% a year. Debt funds pay less.
Paid away in commissions over 15 years
₹0
Commission this year₹0
Commission in the final year₹0
Year by year
The same money, in the regular plan and in the direct plan of the same fund.
A fee that grows, against a fee that does not
What the commission buys
A commission pays for selling and servicing the fund. It is paid by the fund house, so advice that comes with it is not independent. A SEBI-registered adviser is paid only by you, and cannot take commissions.
Before you switch
Moving from regular to direct is a sale and a fresh purchase. Check these first.
- Stop new money firstPoint new SIPs at the direct plan today. That costs nothing and stops the leak from growing.
- Check the exit loadMany equity funds charge 1% on units sold within a year of purchase. Units older than that usually move free.
- Count the taxGains on equity funds held over a year are taxed at 12.5% above ₹1.25 lakh in a year. Under a year, 20%. Switching in parts across two tax years can use the exemption twice.
- Mind the lock-inELSS units are locked for three years from each instalment. They can only move once that ends.
- Ask if the fund still earns its placeA switch is a good moment to review the fund itself, not only the plan.