Comments on: Mutual fund Expense Ratio, Direct, and Regular plans

By: Karthik Rangappa

Karthik Rangappa — Mon, 06 Jan 2025 01:31:01 +0000

In reply to Aniruddha. Exactly, its the value of the NAV that matters. In direct, the NAV value will be higher compared to that of a regular plan.

By: Aniruddha

Aniruddha — Sun, 05 Jan 2025 11:03:27 +0000

Hi,
Assuming one is taking a direct plan and another one regular plan. The lower NAV gives me more units in regular compared to direct and vice versa however at the end of the day, it is the X amount which I have invested is my investment and not how many units of NAV I have. Then how does it matter if I buy regular or direct plan? Doesn’t the difference in NAV nullifies the impact of different TER?

By: Karthik Rangappa

Karthik Rangappa — Wed, 04 Dec 2024 04:46:27 +0000

In reply to Dipesh Singh. Thanks for the kind words, Dipesh, and thanks for pointing the error. Will fix it :)

By: Dipesh Singh

Dipesh Singh — Tue, 03 Dec 2024 15:29:54 +0000

Hey, I have been reading this and believe me this is one of the best and most detailed and easy to grasp for a complete beginners, I really want to thank for all the hard work behind this content generation. There's a minor mistake on this page in example there it says 10000/365=2.73 it's should be 1000/3. Thanks .

By: Karthik Rangappa

Karthik Rangappa — Tue, 13 Aug 2024 05:35:28 +0000

In reply to Sayan Mishra.

1) The NAV you see is post expense ratio. Its deducted for the people who have invested 🙂
2) No, its not correct. Its 0.63% of the value of your assets, which is taken in small portions across the year.

By: Sayan Mishra

Sayan Mishra — Mon, 12 Aug 2024 19:52:11 +0000

so(The NAV that is declared is after deducting the TER)
is the sentence you typed, in this sentence, I have a query{1. I have used Coin and suppose Nippon India’s small-cap direct growth NAV is 193/- so if I have not invested how the expense ratio is deducted, I could not understand it.}
2. if the expense ratio is 0.63% then I assume I invest 1000/monthly;1000*12=12000+16% return=13,920-0.63% TER then ₹13,832.304 is my Net gain isn’t it os I am paying ₹87.696 as Expense ratio is it correct ??

By: Karthik Rangappa

Karthik Rangappa — Thu, 06 Jun 2024 05:03:11 +0000

In reply to Keerthivasan. Nope, overtime the compounding effect kicks in and the weight of NAV starts to show up.

By: Keerthivasan

Keerthivasan — Wed, 05 Jun 2024 05:29:07 +0000

let the no of units brought using same invested amount say in regular X shares and in direct Y shares. the difference is (X – Y), clearly it is positive. will this difference isn’t enough to compensate the NAV difference between (direct – regular) nav ?

By: Karthik Rangappa

Karthik Rangappa — Tue, 28 May 2024 04:11:42 +0000

In reply to Jim. Its based on the NAV, which is declared after the expenses.

By: Jim

Jim — Mon, 27 May 2024 10:51:50 +0000

Is the XIRR displayed in Coin platform after expenses or before considering the expenses?

By: Karthik Rangappa

Karthik Rangappa — Fri, 26 Apr 2024 04:57:31 +0000

In reply to pushpendra chaurasiya. It is largely the expense ratio, as indicated by the TER.

By: pushpendra chaurasiya

pushpendra chaurasiya — Thu, 25 Apr 2024 12:50:48 +0000

If we invest a certain amount on one of mutual fund on regular fund, then what are the charges on percentages are going to be deducted in future? is it only as per expense ratio that matters or some other factors on which some portion of the amount goes to agent or distributor?

By: Karthik Rangappa

Karthik Rangappa — Mon, 22 Apr 2024 02:38:19 +0000

In reply to mehul vaidya. Happy learning, Mehul.

By: mehul vaidya

mehul vaidya — Sun, 21 Apr 2024 18:38:56 +0000

Thank You.

By: Karthik Rangappa

Karthik Rangappa — Thu, 28 Mar 2024 04:31:59 +0000

In reply to Anirban Basak.

1) No. But there is a demat AMC changre which is the same for stocks and MFs.
2) Sure

No charges for transacting in MFs. You can also check this – https://zerodha.com/charges/#tab-equities