Inputs
Provide lump sum, optional SIP, return & expense ratios.
Why Direct?
Lower annual cost compounds into extra units staying invested each year.
Cost Impact
1% annual drag over long horizons can erode 15–25% of achieved corpus vs a lower cost alternative (range illustrative).
Note
Service / advisory value in Regular plans can justify higher cost for some investors.
Illustrative only – ignores taxes, exit loads, tracking error, style shifts.
Direct Plan Value
₹0
Projected corpus using Direct plan net of stated expense ratio.
Regular Plan Value
₹0
Extra Wealth
₹0
iDirect vs Regular – Context
Expand sections. Educational illustration only – not advice. Same gross return assumed for both paths; only cost differs.
Model Mechanics
We simulate monthly compounding: grow balance by monthly net rate then add SIP (if any). Net rate = (1 + gross - ER)^1/12 − 1 for precision.
Outputs summarised yearly to keep UI readable.
When Regular Still Makes Sense
- Advisory & asset‑allocation guidance bundled
- Ease of consolidated platform servicing
- Behavioural coaching during volatility
Risks & Caveats
- Return assumption uncertainty
- Regulatory cost changes
- Behavioural mis-use of cost savings (redeployment risk)
- Fund selection quality still critical