Jan 2013. Two investors, one fund.
Both put ₹10 lakh into Nippon India Small Cap on the same day. One buys the Direct plan. The other buys the Regular plan through an agent.
Jan 2013: gap between the two
₹0
- Direct
- Regular
Real NAV data, Jan 2013 to Oct 2026
Two people buy the same mutual fund on the same day. One goes through an agent. This site shows, with 13 years of real prices, how far apart they end up, and everything else a first-time investor should know.
Put into in Jan 2013 through an agent instead of directly. Today you'd have
₹21.2 lakh
less, for exactly the same fund.
- Direct grew to
- ₹1.84 crore
- Regular grew to
- ₹1.62 crore
- Commission
- 1.1% a year
UTI Nifty 50 Index▼ −8.7%HDFC Nifty 50 Index▼ −8.8%Mirae Asset Large Cap▼ −5.6%Nippon India Large Cap▼ −6.6%ICICI Prudential Large Cap▼ −7.5%HDFC Large Cap▼ −6.6%Axis Large Cap▼ −5.4%Parag Parikh Flexi Cap▼ −3.4%HDFC Flexi Cap▼ −3.4%Kotak Flexicap▼ −5.5%UTI Flexi Cap▼ −5.2%SBI Flexicap▼ −5.3%HDFC Mid Cap▲ 1.1%Axis Midcap▲ 2.2%Kotak Midcap▼ −1.8%Nippon India Growth▲ 1.8%SBI Small Cap▲ 4.2%Nippon India Small Cap▲ 6.3%Axis Small Cap▲ 6.5%HDFC Small Cap▼ −4.0%Kotak Small Cap▲ 3.0%
One-year return of each fund's Direct plan.
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