The Hidden Commission
When you invest in a Regular Plan mutual fund, your money pays two expense ratios: the fund's actual operating cost, and your distributor's commission — typically 0.5% to 1.5% annually.
On a ₹10,000/month SIP over 20 years at 12% returns, that 1% difference compounds to over ₹40 lakhs in lost wealth.
Direct Plans: The Same Fund, Cheaper
Direct Plans are identical to Regular Plans in every way — same fund manager, same portfolio, same NAV tracking — except there is no distributor commission. You invest directly with the AMC.
How to Switch
Use BullWiser's free fund analyser to see your current expense ratio and compare it against the Direct Plan equivalent.