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Direct vs regular calculator

Direct vs regular mutual fund calculator

Choose the regular plan of your fund and run a SIP or lumpsum. mfcheck runs the same investment in the direct plan of the same fund and shows the difference in today's value.

SIP started in
  • No login
  • No PAN
  • Actual NAV data

Example report — illustrative data

Sample Equity Fund

5-year illustrative annualised returns

Demo

Your fund

13.2%

Index fund

15.4%

Difference: −2.2% a year (sample fund minus index fund).

Sample fundIndex fund

Illustrative chart only; not historical fund performance.

Why the plans differ

Direct and regular plans hold the same portfolio. The regular plan has a higher expense ratio because it includes distributor commission, so its NAV grows a little slower. Using actual NAVs shows how much that adds up to for your inputs.

Questions

Which funds does this work for?

Regular plans whose direct plan has the same name with 'Regular' replaced by 'Direct'. If no exact match is found, the comparison is skipped.