⚙️ Comparison Parameters
Direct Plan Corpus
₹4,54,00,000
0% Intermediary Take
Regular Plan Corpus
₹4,07,20,000
1.0% Commission Cut
Net Lost Wealth
₹46,80,000
Straight Profit to Distributor
Wealth Penalty
10.3%
Permanent Compounding Loss
🧠 Direct Plan Alpha Insights
The ₹40 Lakh Distributor Secret: How Regular Plans Drain Your Wallet
When you buy a mutual fund through a bank manager, relationship manager, or third-party agent, you are almost certainly put into a Regular Plan.
Regular plans charge an extra 0.75% to 1.50% Total Expense Ratio (TER) every year. That money is paid as a recurring lifetime trail commission to the agent, whether your fund makes a profit or loses money!
How to Fix It: Switch your folios to Direct Mutual Funds through official AMC websites or direct fintech platforms (like Zerodha Coin, Groww Direct, MFCentral, or Kuvera). It takes 5 minutes and saves you tens of lakhs over your investing career.
Frequently Asked Questions on Direct vs Regular Mutual Funds
Learn how to identify if you are in a regular plan and how to switch to direct with zero friction.