Direct vs Regular plans
Same portfolio, different expense ratio.
What it is
Every open-ended scheme has a Direct plan (bought directly from the fund house) and a Regular plan (bought through a distributor). Both hold the same portfolio; the Regular plan's expense ratio includes distribution costs and the services that come with them, so its NAV grows slightly more slowly.
How MFIC shows it
On each scheme's page the Direct vs Regular tab compares 1, 3, 5 and 10-year returns of the two plans and charts the ratio of their NAVs, which rises by the cumulative cost difference. The Simulators show what a given yearly difference compounds to over time (illustrative, not a forecast).
For the full picture, with live expense-ratio gaps by category, the cost in rupees, break-even and the responsibilities each choice involves, see the Direct vs Regular guide and the Direct vs Regular simulator.
Use it in MFIC
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Related: Expense ratio (TER) · CAGR (compound annual growth rate) · Methodology