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Distributor commission kahan se aata hai aur wo kis par lagta hai
Published by The Retail Trader · JUL 26, 2026 · Mutual Funds & AMC
Ek hi scheme ke do plan hote hain aur unki NAV alag hoti hai. Portfolio dono ka bilkul same hota hai, fund manager same hota hai — farq sirf laagat ka hota hai.
Regular plan mein distributor ka commission TER ke andar hi shaamil hota hai. Direct plan mein wo commission nahi hota, isliye uska TER kam aur NAV samay ke saath thodi upar hoti hai.
Iska matlab ye nahi ki regular plan galat hai. Uske andar ek service ka daam hai — sawaal ye hai ki wo service aapko mil rahi hai ya nahi.
Ye faisla ek imaandaar sawaal par tikta hai:
• Agar aap khud research aur review kar sakte ho to direct plan sasta padta hai.
• Agar koi advisor asli mein plan bana raha hai to uski fees ka jaayaz hona theek hai.
• Commission based advice mein conflict of interest hamesha maujood hota hai.
• Ek fee only advisor ka model alag hota hai — wahan fees aap dete ho, product nahi.
Regular se direct mein switch karna ek redemption aur naya purchase maana jaata hai, isliye uspar exit load aur tax dono lag sakte hain. Ye faisla lene se pehle wo dono numbers nikaal lena chahiye, kyunki bachat unse badi honi chahiye.
Ye article sirf educational hai — koi buy ya sell recommendation nahi, koi guaranteed return ka daawa nahi, aur koi advisory nahi. Rules, rates aur mechanics exchange, SEBI aur RBI time-time par badalte hain, isliye har number apne broker ya official source par khud verify karo.