Post-Tax & Expense Ratio (Direct vs. Regular) SIP Calculator

Compare Direct vs. Regular mutual fund expense ratio drag and compute net take-home corpus after 12.5% Section 112A LTCG tax.

Net Post-Tax Corpus (Direct Plan After LTCG)
₹97,30,383
₹97.3 L net • Saves ₹9.67 L vs. Regular Plan (1.5% TER)
Direct Plan Corpus (0.5% TER) ₹1,05,88,294
Regular Plan Corpus (1.5% TER) ₹96,21,655
Est. LTCG Tax (12.5% > ₹1.25L) ₹8,57,912
Total Principal Invested ₹36,00,000
Inputs
₹ / mo
Monthly investment installment.
% p.a.
Underlying portfolio gross return before fund expenses.
years
Holding period in years.
% p.a.
Annual expense ratio of Direct Plan.
% p.a.
Annual expense ratio of Regular Plan (includes distributor trail).
%
Current Section 112A equity LTCG rate is 12.5% above ₹1,25,000.
Results & Graph
Net Post-Tax Corpus (Direct Plan After LTCG)
₹97,30,383
₹97.3 L net • Saves ₹9.67 L vs. Regular Plan (1.5% TER)
Direct Plan Corpus (0.5% TER)
₹1,05,88,294
Regular Plan Corpus (1.5% TER)
₹96,21,655
Loses ₹9.67 L to distributor trail
Est. LTCG Tax (12.5% > ₹1.25L)
₹8,57,912
Total Principal Invested
₹36,00,000

Direct Plan Net Take-Home vs. Tax & Regular Plan Commission Drag

Breakdown of post-tax wealth, LTCG tax, and distributor commission saved
Graph 1 • Measured Values • Direct Plan Net Take-Home vs. Tax & Regular Plan Commission Drag Breakdown of post-tax wealth, LTCG tax, and distributor commission saved
Net Post-Tax Direct Plan Corpus: 9.73M INRLTCG Tax (12.5%): 857.9k INRCommission Drag If Regular Plan: 966.6k INR Net Post-Tax Direct Plan Corpus 9.73M INR LTCG Tax (12.5%) 857.9k INR Commission Drag If Regular Plan 966.6k INR
Graph 2 • Calculated Values Compared Values retain their calculator-defined labels and units.
Net Post-Tax Direct Plan Corpus 9.73M INR LTCG Tax (12.5%) 857.9k INR Commission Drag If Regular Plan 966.6k INR
Graph 3 • Direct-Plan Tax and Regular-Plan Drag Compares the net corpus with the separately calculated tax and fee drag.
Net Post-Tax Direct Plan Corpus 9.73M INR LTCG Tax (12.5%) 857.9k INR Commission Drag If Regular Plan 966.6k INR
Summary: Net post-tax Direct Plan corpus is ₹97,30,383, LTCG tax is ₹8,57,912, and Regular Plan commission drag is ₹9,66,639.
Summary: At a 13% gross portfolio return over 15 years, a Direct Plan (0.5% TER) grows to ₹1,05,88,294, whereas a Regular Plan (1.5% TER) grows to ₹96,21,655, saving you ₹9,66,639 in compounded distributor commissions. After deducting 12.5% Section 112A LTCG tax above the ₹1,25,000 exemption (₹8,57,912), your net take-home corpus is ₹97,30,383.

Formula & Mathematical Methodology: TER Net Return Reduction & Section 112A LTCG Deduction

rnet = rgross − TER
LTCG Tax = max(0,   Gain − ₹1,25,000) × Tax Rate100
r_direct = r_gross − TER_direct; r_regular = r_gross − TER_regular; LTCG_Tax = max(0, Gain − 1,25,000) × (TaxRate / 100)
  • TER: Total Expense Ratio deducted daily from scheme NAV
  • ₹1,25,000: Annual Section 112A tax-exempt long-term equity capital gain threshold

Rounding: Rounded to nearest rupee.

Worked Example: ₹20,000/Month SIP for 15 Years at 13% Gross Return (0.5% Direct TER vs. 1.5% Regular TER)

Compare Direct vs. Regular plan and compute 12.5% LTCG tax upon full redemption at Year 15.

  1. Direct Plan net return = 12.5% → matures at ₹1,04,96,574 (Gain = ₹68,96,574 on ₹36L principal).
  2. Regular Plan net return = 11.5% → matures at ₹95,46,247 (losing ₹9,50,327 to 1% trail commission!).
  3. LTCG tax on Direct Plan (full redemption) = (₹68,96,574 − ₹1,25,000) × 12.5% = ₹8,46,447 → Net Post-Tax = ₹96,50,127.
Result: Direct Plan saves ₹9.50 Lakhs over Regular Plan and yields ₹96.50 Lakhs after LTCG tax.

Frequently Asked Questions

Why does a 1% difference in Expense Ratio cost nearly ₹10 Lakhs over 15 years?

Because the 1% Regular Plan trail fee is deducted every year from your entire accumulated portfolio value, not just from your new contributions, compounding against you over time.

Finance & Investing • Mutual Funds & India Tax Guide

How to Use the Post-Tax & Expense Ratio (Direct vs. Regular) SIP Calculator: Practical Guide & Visual Analysis

Measure the compounded rupee cost of Regular Plan distributor trail commissions versus Direct Plans, and compute net redemption proceeds after India’s ₹1.25 Lakh LTCG exemption. Whether you are researching direct vs regular mutual fund calculator, sip ltcg tax calculator, expense ratio impact calculator, post tax sip return india, this interactive tool helps you calculate net post-tax SIP maturity value after deducting mutual fund Total Expense Ratio (Direct vs. Regular plan comparison) and India Section 112A LTCG tax.

Interpreting the 3 Custom Visual Graphs & Key Outputs

As you adjust Monthly SIP Amount, Gross Portfolio Return (Before TER), Investment Horizon, Direct Plan Expense Ratio (TER), the calculator immediately computes Net Post-Tax Direct Plan Corpus (₹), Pre-Tax Direct Plan Corpus (₹), Pre-Tax Regular Plan Corpus & Commission Loss (₹), Estimated Section 112A LTCG Tax (₹) and updates all three domain-specific SVG charts in real time. Instead of relying on a single static figure, you can inspect the primary domain diagram, component breakdown, and multi-point trajectory curve to see how changing your inputs shifts the final result. Use the Compare (up to 3 scenarios) button to evaluate side-by-side variations before making a decision.

Real-World Benchmark & Planning Tips (India (SEBI TER & Income Tax Act Section 112A))

In our benchmark scenario (₹20,000/Month SIP for 15 Years at 13% Gross Return (0.5% Direct TER vs. 1.5% Regular TER)), Direct Plan saves ₹9.50 Lakhs over Regular Plan and yields ₹96.50 Lakhs after LTCG tax. Keep in mind that models a single lump-sum redemption at maturity with one ₹1,25,000 annual LTCG exemption applied. For related calculations in Finance & Investing, explore SIP Calculator (Systematic Investment Plan), ELSS Tax-Saving SIP Calculator (Section 80C), All-in-One Real Wealth SIP Calculator (Step-Up + Lump Sum + TER + Tax + Inflation).