The Mutual Fund Comparer helps you analyze two funds side-by-side to understand the impact of Expense Ratio and Returns. A seemingly small difference in expense ratio (e.g., 0.5%) can result in a huge difference in your final corpus over the long term.
The Mutual Fund Comparer helps you analyze two funds side-by-side to understand the impact of Expense Ratio and Returns. A seemingly small difference in expense ratio (e.g., 0.5%) can result in a huge difference in your final corpus over the long term.
How Mutual Fund Comparison Works
This tool calculates the 'Net Return' by subtracting the Expense Ratio from the Expected Gross Return. It then projects the growth of your investment for both funds to show the gap in final wealth.
- Gross Return: Return generated by the fund manager.
- Expense Ratio: Fee charged by the fund house.
- Net Return: Actual return in your hand (Gross - Expense).
- Compounding Impact: Small fee differences compound to large amounts.
Example: Impact of 1% Extra Fee
An investor allocates ₹50L for {YEARS} years.
• Fund A (Direct Plan): 12% Return, 0.5% Expense -> Net 11.5%
• Fund B (Regular Plan): 12% Return, 1.5% Expense -> Net 10.5%
Result: Fund A results in a significantly higher corpus of ₹44,986 compared to Fund B.
The difference in wealth generated can be substantial purely due to 1% higher fees.
Investment: ₹50L
Duration: {YEARS} Years
Advantage: ₹44,986 (Model-Based)
Direct vs Regular Plans
Why expense ratio matters:
| Feature | Direct Plan | Regular Plan |
|---|---|---|
| Expense Ratio | Lower (0.5-1%) | Higher (1.5-2.5%) |
| Distributor Commission | Zero | Included in Expense |
| Returns | Higher | Lower |
| NAV | Higher | Lower |
Frequently Asked Questions
⚠️ Disclaimer
The figures provided by this calculator are estimates based on the inputs you provide and standard financial formulas. STOCKCALC.IN does not offer investment advice. Please consult a qualified financial advisor before making any investment decisions.