{"id":345602,"date":"2026-11-13T09:09:26","date_gmt":"2026-11-13T03:39:26","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=345602"},"modified":"2026-11-13T09:09:26","modified_gmt":"2026-11-13T03:39:26","slug":"mutual-fund-nav-expense-ratio-direct-vs-regular","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/mutual-fund-nav-expense-ratio-direct-vs-regular\/","title":{"rendered":"Mutual Fund Expense Ratio and NAV Explained: How NAV Works, What TER Costs You and Direct vs Regular Plans"},"content":{"rendered":"

NAV is the per-unit value of a fund. TER equals base expense ratio plus brokerage and levies under SEBI’s 2026 rules. Direct plans skip distributor commission, so their TER is lower.<\/em><\/p>\n

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Quick Answer<\/strong><\/p>\n

A mutual fund expense ratio is the yearly fee charged as a percentage of a fund’s assets, and it is already deducted from the NAV. Under SEBI’s 2026 mutual fund regulations, the total expense ratio equals the base expense ratio plus brokerage and regulatory and statutory levies. Direct plans have no distributor commission, so they carry a lower expense ratio than regular plans.<\/p>\n<\/p><\/div>\n

The mutual fund expense ratio is the cost most investors never see on a statement, because it is deducted inside the fund’s NAV. A difference of even one percentage point can make a large gap in the corpus after twenty years.<\/p>\n

This guide explains how NAV works, what the expense ratio includes after the 2026 SEBI rules and how to choose between direct and regular plans.<\/p>\n

Click Here – Get Free Investment Predictions<\/strong><\/a><\/p>\n

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