Mutual fund expense calculator

Add the base expense ratio, brokerage and statutory levies that SEBI’s 2026 rules show separately, and see the yearly and long-run rupee cost on an amount and return you choose.

Your assumption, not a forecast

From the scheme’s disclosure

From the scheme’s disclosure

STT, GST, stamp duty, exchange and SEBI charges

Total expense ratio (BER + brokerage + levies)
1.10%
Cost in the first year, on the amount invested
₹1,100
Base expense ratio’s share of the total
90.91%
Brokerage’s share of the total
4.55%
Levies’ share of the total
4.55%
End value with no costs
₹2,59,374
End value after the yearly costs
₹2,34,573
Difference over the period
₹24,801

Arithmetic on the numbers you enter. It does not describe any scheme, and it is not a forecast.

How it works

Total expense ratio = BER + brokerage + levies. End value = amount × (1 + (return − total expense ratio) ÷ 100)^years, compared with amount × (1 + return ÷ 100)^years.

Assumptions

  • SEBI’s 2026 mutual fund regulations are reported to split the expense ratio into a base expense ratio, brokerage and statutory levies, from 1 April 2026. The SEBI text itself has not been checked here; read it.
  • Reported brokerage caps on trade value: 6 bps for cash-market trades (earlier 8.59) and 2 bps for derivatives (earlier 3.89). They apply to the value traded, not to the fund’s size, so they are not the same thing as the brokerage you enter above.
  • The extra 5 bps allowance for schemes with an exit load is reported as removed. Exit loads themselves are not included here.
  • You enter the three components, for example from the scheme’s disclosure. Real funds charge costs daily on assets; this simplifies to a yearly amount taken off the return.
  • Taxes on gains, platform charges and the effect of regular-versus-direct plans are not included.

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These tools do arithmetic on the numbers you enter. They are for illustration and education. They do not predict returns, and they are not investment, tax or financial advice. Returns are not guaranteed.