The Mutual Fund Fee Drag Calculator
Banks and distributors pitch regular plans as "free advice." In reality, they silently pocket 1% to 1.5% of your total portfolio every year directly from the NAV. See the tens of lakhs you save by switching to pure fee-only Direct Plans.
Simulate Your Portfolio Cost Drag
Adjust your portfolio parameters below to measure the exact terminal wealth destroyed by distributor commissions over time.
Fixed fee paid to RIA, irrespective of AUM growth
By eliminating commissions in Direct Plans (even after accounting for full fee-only retainer).
Year-by-Year Wealth Divergence
Notice how the commission gap expands exponentially as compounding takes hold:
| Horizon | Direct Plan Portfolio | Regular Plan Portfolio | Commission Siphoned |
|---|---|---|---|
| 5 Years | ₹2.17 Cr | ₹2.07 Cr | -₹10.01 Lakh |
| 10 Years | ₹4.23 Cr | ₹3.86 Cr | -₹37.10 Lakh |
| 15 Years | ₹7.85 Cr | ₹6.85 Cr | -₹1.01 Cr |
| 20 Years | ₹14.25 Cr | ₹11.85 Cr | -₹2.39 Cr |
Why Most Investors Never Notice the Fee
Invisible NAV Deductions
You never receive an invoice. The fund house simply skims the distributor's cut from the fund's Net Asset Value every midnight before announcing the day's returns.
The Exponential Drain
A 1.15% fee sounds harmless when your portfolio is small. But as your capital compounds into crores, that small percentage extracts tens of lakhs in cash every single year.
Perverse Sales Incentives
Distributors earn higher commissions on volatile thematic funds and NFOs than on stable index funds. Their paycheck is tied to products that pay them most, not what protects you best.
Find Out Exactly How Much You Are Leaking Today
Upload your CAS (Consolidated Account Statement) for a 100% confidential fiduciary audit. We will calculate your exact annual commission leak down to the rupee.
Important Disclosures
Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Operation & Zero Commission Model
We operate strictly on a fee-only advisory model. We do not distribute financial products or receive any commission, brokerage, referral fees, or inducements from any Asset Management Companies (AMCs), insurance providers, or third-party financial institutions. All investment recommendations are executed strictly in Direct Plans.
Regulatory Registration
Entity Name : Aurum Fiduciary
Type : Individual SEBI Registered Investment Adviser
SEBI Reg No. : INA000015678
BASL Membership : BASL - 1892
Statutory Officers & Grievance
Principal Officer: Dr. Aurum Mamal
Grievance Email : advice@sebiadvisor.in
Compliance Officer: Dr. Aurum Mamal
SEBI Local Office: SEBI Bhavan, Bandra Kurla Complex (BKC), Mumbai