Reva Money · Calculators · Direct vs regular plan calculator
See how much a regular plan’s higher expense ratio costs you over the years compared with the same fund’s direct plan.
| Amount invested | ₹10.00 L |
|---|---|
| Years | 20 years |
| Fund return a year before costs | 12% |
| Direct plan expense ratio | 0.6% |
| Regular plan expense ratio | 1.6% |
| The regular plan costs you | ₹14.30 L |
| Direct plan after 20 years | ₹86.64 L |
| Regular plan after 20 years | ₹72.34 L |
| Share of the direct value lost | 16.50% |
A direct and a regular plan of the same fund hold the same investments. The regular plan charges a higher expense ratio, which pays the distributor’s commission, and the gap compounds every year.
Look up a fund’s published expense ratios on Reva’s Fund costs page.
Formula: Value = P × (1 + return − expense ratio)^years, for each plan; the cost is the difference.
On ₹10 lakh for 20 years at 12% before costs, about ₹14.30 L.
AMFI publishes the total expense ratio of every scheme, direct and regular. Reva’s Fund costs page shows them.
Illustrative only. These figures assume steady returns, which real investments don’t give. They are not investment advice.