{"id":25646847,"date":"2026-05-15T14:28:43","date_gmt":"2026-05-15T08:58:43","guid":{"rendered":"https:\/\/entri.app\/blog\/?p=25646847"},"modified":"2026-05-15T14:28:43","modified_gmt":"2026-05-15T08:58:43","slug":"direct-vs-regular-mutual-funds","status":"publish","type":"post","link":"https:\/\/entri.app\/blog\/direct-vs-regular-mutual-funds\/","title":{"rendered":"Direct vs Regular Mutual Funds: How a 1% Difference Can Cost You \u20b910 Lakhs -15 Lakhs Over Time"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a06fe3b32617\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a06fe3b32617\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/entri.app\/blog\/direct-vs-regular-mutual-funds\/#Key_Takeaways\" >Key Takeaways<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/entri.app\/blog\/direct-vs-regular-mutual-funds\/#Introduction\" >Introduction\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/entri.app\/blog\/direct-vs-regular-mutual-funds\/#What_are_Direct_and_Regular_Mutual_Funds\" >What are Direct and Regular Mutual Funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/entri.app\/blog\/direct-vs-regular-mutual-funds\/#The_Expense_Ratio_The_Silent_Wealth_Killer\" >The Expense Ratio: The Silent Wealth Killer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/entri.app\/blog\/direct-vs-regular-mutual-funds\/#The_Power_of_Compounding_Why_1_Matters\" >The Power of Compounding: Why 1% Matters<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/entri.app\/blog\/direct-vs-regular-mutual-funds\/#Scenario_The_%E2%82%B915_Lakh_Loss\" >Scenario: The \u20b915 Lakh Loss<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/entri.app\/blog\/direct-vs-regular-mutual-funds\/#Why_do_People_Still_Choose_Regular_Plans\" >Why do People Still Choose Regular Plans?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/entri.app\/blog\/direct-vs-regular-mutual-funds\/#When_Should_You_Stick_to_Regular_Plans\" >When Should You Stick to Regular Plans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/entri.app\/blog\/direct-vs-regular-mutual-funds\/#How_to_Switch_from_Regular_to_Direct\" >How to Switch from Regular to Direct?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/entri.app\/blog\/direct-vs-regular-mutual-funds\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Key_Takeaways\"><\/span><strong>Key Takeaways<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li><strong>Cost Savings: <\/strong>Direct plans have a lower Expense Ratio because they don&#8217;t involve distributor commissions.<\/li>\n<li><strong>Higher Returns: <\/strong>Even a 0.75% to 1% difference in annual costs can lead to massive wealth differences over 20-30 years due to compounding.<\/li>\n<li><strong>Control: <\/strong>Investing in direct plans requires you to do your own research or hire a fee only advisor.<\/li>\n<li><strong>The &#8216;Hidden&#8217; Cost: <\/strong>Regular plans are not &#8220;free&#8221;; the commission is deducted daily from your fund&#8217;s NAV.<\/li>\n<\/ol>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/course\/stock-market-course\/\" target=\"_blank\" rel=\"noopener\"><strong>Learn Stock Marketing with a Share Trading Expert! Explore Here!<\/strong><\/a><\/p>\n<h1><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p>Imagine you are buying a smartphone. You have two options: buy it directly from the brand\u2019s website or buy it from a neighbourhood dealer. The phone is identical, the warranty is the same, and the service centre is the same. However, the dealer charges you a small &#8220;service fee&#8221; every single month for as long as you own the phone.<\/p>\n<p>Naturally, you would choose to buy it directly from the brand. This is exactly the choice you make when deciding between <strong>Direct vs Regular Mutual Funds<\/strong>.\u00a0In the month of April 2026, the mutual fund industry in India recorded total net inflows of Rs 3.22 lakh crore.<\/p>\n<p>When it comes to overall Assets Under Management (AUM), it touched a record high of Rs 81.92 lakh crore. In India, mutual fund awareness is at an all-time high. Yet, a large majority of investors are still unaware that they are losing a significant chunk of their potential wealth to commissions.<\/p>\n<p>While 1% might sound like a tiny amount\u2014barely the cost of a coffee\u2014when applied to your life savings over 25 years, it transforms into a monster that eats your retirement corpus. This blog post explores the intricate details of <strong>Direct vs Regular Mutual Funds <\/strong>and why switching could be the smartest financial move you ever make.<\/p>\n<h1><span class=\"ez-toc-section\" id=\"What_are_Direct_and_Regular_Mutual_Funds\"><\/span><strong>What are Direct and Regular Mutual Funds?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-25646896 \" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/4636.webp\" alt=\"Mutual Funds\" width=\"501\" height=\"329\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/4636.webp 1500w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/4636-300x197.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/4636-1024x672.webp 1024w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/4636-768x504.webp 768w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/4636-150x99.webp 150w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/4636-750x493.webp 750w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/4636-1140x749.webp 1140w\" sizes=\"auto, (max-width: 501px) 100vw, 501px\" \/><\/p>\n<p>Before we dive into the math, let\u2019s define the players. Every mutual fund scheme in India has two variants: Direct and Regular. They have the same fund manager, the same stocks in the portfolio, and the same investment objective.<\/p>\n<p><strong>Regular Plans: <\/strong>These are sold through intermediaries such as brokers, distributors, or banks. For the service of &#8220;recommending&#8221; the fund and helping with paperwork, the AMC (Asset Management Company) pays these intermediaries a recurring commission. This commission is recovered from <em>your <\/em>investment.<\/p>\n<p><strong>Direct Plans: <\/strong>These are purchased directly from the AMC or through digital platforms that do not take commissions. Since there is no middleman, the AMC does not have to pay any commission, and those savings are passed on to you in the form of a lower expense ratio.<\/p>\n<h1><span class=\"ez-toc-section\" id=\"The_Expense_Ratio_The_Silent_Wealth_Killer\"><\/span><strong>The Expense Ratio: The Silent Wealth Killer<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p>The Expense Ratio is the annual fee charged by mutual funds to manage your money. It covers administrative, management, and advertising expenses.<\/p>\n<p>In <strong>Direct vs Regular Mutual Funds<\/strong>, the Expense Ratio is the primary differentiator. A regular plan might have an expense ratio of 1.75%, while the direct version of the same fund might charge only 0.75%.\u00a0The difference\u2014the 1%\u2014goes straight to the distributor.<\/p>\n<p>You don&#8217;t see a bill for this. It is deducted from the Net Asset Value (NAV) of the fund every single day. Over time, this 1% isn&#8217;t just 1% of your investment; it is 1% of your <em>growing <\/em>wealth, including all the gains you&#8217;ve made. Please note that in December 2025, SEBI reduced mutual fund expense ratios by up to 15 basis points.<\/p>\n<h1><span class=\"ez-toc-section\" id=\"The_Power_of_Compounding_Why_1_Matters\"><\/span><strong>The Power of Compounding: Why 1% Matters<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-25646898 \" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/426717637-scaled-e1778835021983.webp\" alt=\"Mutual Funds\" width=\"397\" height=\"240\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/426717637-scaled-e1778835021983.webp 2560w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/426717637-scaled-e1778835021983-300x181.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/426717637-scaled-e1778835021983-1024x618.webp 1024w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/426717637-scaled-e1778835021983-768x464.webp 768w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/426717637-scaled-e1778835021983-1536x927.webp 1536w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/426717637-scaled-e1778835021983-2048x1236.webp 2048w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/426717637-scaled-e1778835021983-150x91.webp 150w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/426717637-scaled-e1778835021983-750x453.webp 750w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/426717637-scaled-e1778835021983-1140x688.webp 1140w\" sizes=\"auto, (max-width: 397px) 100vw, 397px\" \/><\/p>\n<p>To understand the impact, we need to look at the math of compounding. When you save 1% in fees, that 1% stays in your account and earns its own returns the following year. This is &#8220;compounding on savings.&#8221;<\/p>\n<p><strong><em>A = P (1 + r\/n)<\/em><\/strong><strong><em>nt<\/em><\/strong><\/p>\n<p>In the context of <strong>Direct vs Regular Mutual Funds<\/strong>, if the regular plan returns 12% and the direct plan returns 13% (due to 1% lower fees), the gap between the two doesn&#8217;t stay linear. It widens exponentially.<\/p>\n<div class=\"lead-gen-block\"><a href=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/04\/Program-in-Indian-Stock-Market-and-Forex-Trading-1-compressed.pdf\" data-url=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/04\/Program-in-Indian-Stock-Market-and-Forex-Trading-1-compressed.pdf\" class=\"lead-pdf-download\" data-id=\"25556854\">\n<p style=\"text-align: center;\"><button class=\"btn btn-default\">free download Stock market course roadmap<\/button><\/p>\n<\/a><\/div>\n<h1><span class=\"ez-toc-section\" id=\"Scenario_The_%E2%82%B915_Lakh_Loss\"><\/span><strong>Scenario: The \u20b915 Lakh Loss<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p>Let&#8217;s look at a realistic example for an Indian middle-class investor. Suppose you start a Monthly SIP (Systematic Investment Plan) of \u20b910,000 for 25 years.<\/p>\n<table>\n<tbody>\n<tr>\n<td><strong>Feature\u00a0<\/strong><\/td>\n<td><strong>Regular Plan\u00a0<\/strong><\/td>\n<td><strong>Direct Plan<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Monthly SIP<\/td>\n<td>\u20b910,000<\/td>\n<td>\u20b910,000<\/td>\n<\/tr>\n<tr>\n<td>Investment Period<\/td>\n<td>25 Years<\/td>\n<td>25 Years<\/td>\n<\/tr>\n<tr>\n<td>Assumed Annual Return<\/td>\n<td>12%<\/td>\n<td>13% (1% extra)<\/td>\n<\/tr>\n<tr>\n<td>Total Invested<\/td>\n<td>\u20b930,00,000<\/td>\n<td>\u20b930,00,000<\/td>\n<\/tr>\n<tr>\n<td><strong>Final Wealth\u00a0<\/strong><\/td>\n<td><strong>\u20b91,89,76,351\u00a0<\/strong><\/td>\n<td><strong>\u20b92,21,19,531<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Difference (Loss)\u00a0<\/strong><\/td>\n<td colspan=\"2\"><strong>\u20b931,43,180<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>As you can see, the 1% difference didn&#8217;t just cost you \u20b910-15 lakhs; in this scenario, it cost you over <strong>\u20b931 lakhs<\/strong>. That is the price of a small apartment or a child&#8217;s entire higher education, paid to a middleman for paperwork you could have done yourself online.<\/p>\n<h1><span class=\"ez-toc-section\" id=\"Why_do_People_Still_Choose_Regular_Plans\"><\/span><strong>Why do People Still Choose Regular Plans?\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-25646897 \" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/12394.webp\" alt=\"Mutual Funds\" width=\"500\" height=\"345\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/12394.webp 1500w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/12394-300x207.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/12394-1024x705.webp 1024w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/12394-768x529.webp 768w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/12394-150x103.webp 150w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/12394-750x517.webp 750w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/12394-1140x785.webp 1140w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/p>\n<p>If the math is so clear, why does the <strong>Direct vs Regular Mutual Funds <\/strong>debate even exist? There are a few reasons:<\/p>\n<p><strong>Lack of Awareness: <\/strong>Many investors believe the distributor&#8217;s service is &#8220;free&#8221; because they\u00a0don&#8217;t see a separate charge.<\/p>\n<p><strong>Hand-holding: <\/strong>First-time investors often feel intimidated by the thousands of fund options.\u00a0A distributor provides a sense of security and advice.<\/p>\n<p><strong>Ease of Service: <\/strong>Distributors handle KYC, documentation, and redemptions. For non-tech savvy investors, this is a valuable service.<\/p>\n<p><strong>Relationships: <\/strong>In India, the &#8220;family uncle&#8221; who sells insurance and mutual funds is a trusted figure. Breaking that bond for a 1% gain feels transactional to some.<\/p>\n<h1><span class=\"ez-toc-section\" id=\"When_Should_You_Stick_to_Regular_Plans\"><\/span><strong>When Should You Stick to Regular Plans?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p>Direct plans are objectively better for your wallet, but they aren&#8217;t for everyone. You should consider Regular plans only if:<\/p>\n<ol>\n<li>You have zero knowledge of how to select a fund and are unwilling to learn.<\/li>\n<li>You need someone to emotionally prevent you from selling your investments during a market crash.<\/li>\n<li>You do not have the time to track your portfolio or perform annual rebalancing.<\/li>\n<\/ol>\n<p>However, even in these cases, a better alternative is to hire a <strong>Registered Investment Advisor (RIA)<\/strong>. You pay them a flat fee, and they put you in direct plans. This way, the advisor&#8217;s interest is aligned with yours, not the AMC&#8217;s commission structure.<\/p>\n<h1><span class=\"ez-toc-section\" id=\"How_to_Switch_from_Regular_to_Direct\"><\/span><strong>How to Switch from Regular to Direct?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p>If you realized that you are currently in a regular plan, don&#8217;t panic. You can switch. Most modern investment platforms allow you to &#8220;import&#8221; your external portfolios and switch them to direct variants with a few clicks. However, be mindful of two things:<\/p>\n<ul>\n<li><strong>Exit Load: <\/strong>Some funds charge a fee if you withdraw or switch within 1 year. In 2025 May, SEBI, the mutual fund regulator in India removed exit loads for switching from regular to direct mutual fund plans.<\/li>\n<\/ul>\n<ul>\n<li><strong>Capital Gains Tax: <\/strong>A &#8220;switch&#8221; is technically a &#8220;sell&#8221; and a &#8220;buy.&#8221; If your gains are high, you might attract Long-Term Capital Gains (LTCG) tax. It is often wise to switch in batches to utilize the \u20b91.25 lakh annual LTCG exemption.<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/course\/stock-market-course\/\" target=\"_blank\" rel=\"noopener\"><strong>Learn Stock Marketing with a Share Trading Expert! Explore Here!<\/strong><\/a><\/p>\n<h1><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p>The choice in <strong>Direct vs Regular Mutual Funds <\/strong>is essentially a choice between your future wealth and someone else\u2019s commission. Over a short period of 1-2 years, the difference is negligible. But wealth creation is a marathon. In the long run, the extra 1% compounded is the difference between a comfortable retirement and a wealthy one.<\/p>\n<p>With the rise of user-friendly digital platforms, the &#8220;convenience&#8221; argument for regular plans is fading. Today, investing in a direct plan is as easy as ordering food online. Take charge of your investments, look at your portfolio&#8217;s expense ratios, and stop the silent leak in your wealth today.<\/p>\n<div class=\"alert alert-warning\"><strong>Disclaimer:<\/strong> The information provided in this article is for general informational purposes only and is not intended as investment advice, financial guidance, or an offer or solicitation to buy or sell any securities. Readers should conduct their own research or consult a qualified financial advisor before making any investment decisions. The author(s) and the publisher disclaim any liability for any loss or damage arising directly or indirectly from the use of or reliance on the information provided herein.<\/div>\n<div>\n<div>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\">\n<p style=\"text-align: center;\"><b>RELATED POSTS<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/should-you-pause-your-sip-when-your-mutual-fund-portfolio-goes-down\/\" target=\"_blank\" rel=\"noopener\"><b>Should You Pause Your Sip When Your Mutual Fund Portfolio Goes Down?\u00a0<\/b><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/best-mutual-fund-plans-for-your-children\/\" target=\"_blank\" rel=\"noopener\"><b>Best Mutual Fund Plans for Your Children<\/b><\/a><b>\u00a0<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/how-much-of-your-salary-should-you-invest-in-mutual-funds\/\" target=\"_blank\" rel=\"noopener\"><b>How Much of Your Salary Should You Invest in Mutual Funds?<\/b><\/a><\/p>\n<\/td>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/rolling-returns-of-mutual-fund\/\" target=\"_blank\" rel=\"noopener\"><b>What is Rolling Returns of Mutual Fund &#8211; Importance &amp; How to Calculate<\/b><\/a><b>\u00a0<\/b><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/how-much-tax-should-you-pay-for-mutual-funds\/\" target=\"_blank\" rel=\"noopener\"><b>How Much Tax Should You Pay for Mutual Funds?\u00a0<\/b><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/how-to-file-income-tax-returns-for-mutual-funds\/\" target=\"_blank\" rel=\"noopener\"><b>How to File Income Tax Returns for Mutual Funds<\/b><\/a><b>\u00a0<\/b><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div class=\"modal\" id=\"modal25556854\"><div class=\"modal-content\"><span 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}<\/style> <script>document.addEventListener(\"DOMContentLoaded\",function(){document.querySelectorAll('.wpcf7-form').forEach(function(e){e.addEventListener('submit',function(){if(document.getElementById('cf-turnstile-cf7-2421449571')){setTimeout(function(){turnstile.reset('#cf-turnstile-cf7-2421449571');},1000)}})})});<\/script> <\/div><br\/><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Submit\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n<\/div><\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Key Takeaways Cost Savings: Direct plans have a lower Expense Ratio because they don&#8217;t involve distributor commissions. Higher Returns: Even a 0.75% to 1% difference in annual costs can lead to massive wealth differences over 20-30 years due to compounding. Control: Investing in direct plans requires you to do your own research or hire a [&hellip;]<\/p>\n","protected":false},"author":137,"featured_media":25646848,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[802,1867],"tags":[],"class_list":["post-25646847","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-stock-marketing"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Direct vs Regular Mutual Funds: How a 1% Difference Can Cost You \u20b910 Lakhs -15 Lakhs Over Time<\/title>\n<meta name=\"description\" content=\"Is a regular mutual fund making a hole in your pocket? 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