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Direct vs Regular Mutual Funds: Why Direct Saves You ₹20 Lakh

A focused deep-dive on Direct vs Regular Plan mutual funds — the single most consequential decision in Indian retail investing, and the one most people make wrong because it's invisible. Includes the verified 0.65 percentage point average expense gap for active equity funds, the full compounding math at multiple SIP sizes and durations (₹10K SIP for 25 years = ₹18.5 lakh gap; for 30 years = ₹41.5 lakh), the April 2026 SEBI reforms (TER → BER, lower index TER caps, tighter brokerage caps), the tr

By Ganak Editorial · Jun 6, 2026

How to Choose a Mutual Fund: A Practical 5-Filter Framework

A practical five-filter framework for selecting Indian mutual funds — category fit, fund size, expense ratio, manager tenure, and risk-adjusted returns — applied through two worked examples (large-cap and small-cap selection). Includes the verified direct-vs-regular plan math showing how a 1% expense ratio gap quietly costs ₹11-29 lakh over a 20-year SIP, the SPIVA India 2025 data on active vs index fund performance (73% of active large-cap underperformed over 10 years), and the operational 30-m

By Ganak Editorial · Jun 5, 2026

Liquid Funds vs Savings Account: Where to Park Your Emergency Fund

A practical, computed comparison of liquid funds and savings accounts for parking an emergency fund. Includes the post-tax math across all slabs on a ₹5 lakh emergency fund (showing ₹9,780/year advantage at 30% slab and ₹1.74 lakh cumulative over 10 years), the honest liquidity comparison (SEBI's ₹50,000 instant redemption + T+1 settlement), the post-2023 tax change that removed the LTCG indexation advantage, the sweep-in FD hybrid for single-bank simplicity, and the specific situations where sa

By Ganak Editorial · Jun 4, 2026