Calculator
Direct vs regular mutual fund calculator
What the regular plan's expense drag costs over your horizon.
- Direct plan value
- ₹23,00,387
- Regular plan value
- ₹21,69,981
- What the drag costs
- ₹1,30,406
Year-by-year schedule
| Year | Direct plan | Regular plan |
|---|---|---|
| 1 | ₹1,26,825 | ₹1,26,239 |
| 2 | ₹2,69,735 | ₹2,67,086 |
| 3 | ₹4,30,769 | ₹4,24,231 |
| 4 | ₹6,12,226 | ₹5,99,562 |
| 5 | ₹8,16,697 | ₹7,95,181 |
| 6 | ₹10,47,099 | ₹10,13,437 |
| 7 | ₹13,06,723 | ₹12,56,949 |
| 8 | ₹15,99,273 | ₹15,28,641 |
| 9 | ₹19,28,926 | ₹18,31,772 |
| 10 | ₹23,00,387 | ₹21,69,981 |
Read this before you act on the number
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Maths: The same SIP at the gross return (direct plan) vs return minus the expense drag (regular plan). Verify rates against the lender's or fund's current card before acting.
Questions about this calculator
- How does the Direct vs regular mutual fund calculator work?
- The same SIP at the gross return (direct plan) vs return minus the expense drag (regular plan). The result is an estimate in Indian rupees, not a quote from any lender, bank or fund.
- Are the default rates current?
- No. Defaults are illustrative starting points. Verify the current rate against the lender's or fund's latest rate card before making a decision.
- Is the Direct vs regular mutual fund calculator free to use?
- Yes. It runs in your browser, with no login and no inputs sent to a server.