Direct vs regular calculator
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.
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₹
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.