⚠ SILENT WEALTH DESTROYER
Your broker earns
₹19L more than you.
Every mutual fund has two versions — Regular and Direct. Same fund, same manager, same portfolio. The only difference: Regular plans pay 0.5–1.2% commission to your broker every year, forever. FolioKey helps you switch.
📊 Calculate Your Loss
Monthly SIP₹50K
Lumpsum (optional)₹0
Investment horizon15 years
Expected gross return12%
Regular plan expense ratio1.5%
Direct plan expense ratio0.6%
After 15 years with ₹50K/month SIP
Regular Plan (10.5% net)
₹2.19 Cr
Returns: ₹1.29 Cr | Broker gets: ₹11.6 L
Direct Plan (11.4% net) ✓
₹2.38 Cr
Returns: ₹1.48 Cr | You keep everything
💸 What you lose by staying in Regular
₹19.4 L
= ₹16,419/month draining silently
Year-by-year wealth difference
| Year | Invested | Regular Value | Direct Value | You're Missing |
|---|---|---|---|---|
| Year 1 | ₹6.0 L | ₹6.4 L | ₹6.4 L | −₹3,128 |
| Year 2 | ₹12.0 L | ₹13.4 L | ₹13.5 L | −₹12,949 |
| Year 3 | ₹18.0 L | ₹21.2 L | ₹21.5 L | −₹30,965 |
| Year 5 | ₹30.0 L | ₹39.6 L | ₹40.6 L | −₹98,905 |
| Year 7 | ₹42.0 L | ₹62.2 L | ₹64.4 L | −₹2.2 L |
| Year 10 | ₹60.0 L | ₹1.06 Cr | ₹1.12 Cr | −₹5.8 L |
| Year 15 | ₹90.0 L | ₹2.19 Cr | ₹2.38 Cr | −₹19.4 L |
| Year 20 | ₹90.0 L | ₹2.19 Cr | ₹2.38 Cr | −₹19.4 L |
✅ How to switch to Direct (takes 10 minutes)
🔍Step 01
Check your funds
Look for "Reg" or "Regular" in your fund name. Any fund without "Direct" or "Dir" is a Regular plan.
💰Step 02
Redeem Regular units
Sell your Regular plan units. If held > 1 year (equity), no LTCG tax up to ₹1.25L gain per year.
🎯Step 03
Buy Direct plan
Invest the proceeds in the same fund's Direct plan. Visit the AMC website directly or use MFU/BSE StarMF.
🔄Step 04
Start Direct SIP
Cancel your Regular SIP and start a new SIP directly on the AMC website or via AMFI-registered platforms.
⚠️ Tax note: Switching from Regular to Direct is treated as redemption + fresh purchase. Check your LTCG/STCG liability before switching. FolioKey's Tax Harvesting page can help you time this optimally.