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TER kaise katta hai, aur ek percent ka lambe samay mein kya matlab hai
Published by The Retail Trader · JUL 24, 2026 · Mutual Funds & AMC
Mutual fund ki fees aapke bank account se debit nahi hoti. Wo roz thodi thodi NAV ke andar se hi kat jaati hai — isliye wo dikhti nahi, par lagti poori hai.
Total expense ratio mein fund management fees, administration, distribution aur baaki operating kharche shaamil hote hain. Wo saalana percentage hota hai, par kaata roz ke hisaab se jaata hai.
Jo return aap dekhte ho wo already TER ke baad ka hai. Isliye do funds ki tulna karte waqt return mein se fees dobara ghatane ki zaroorat nahi hoti.
Chhota percentage lambe samay mein chhota nahi rehta:
• Fees har saal poore corpus par lagti hai, sirf profit par nahi.
• Nuksaan wale saal mein bhi lagti hai.
• Wo raqam aapke portfolio se nikal jaati hai, isliye uska compounding bhi aapka nahi rehta.
• Isi wajah se lambi horizon mein TER ka farq return ke farq se bada ban jaata hai.
TER dekhna zaroori hai par akela criteria nahi. Sabse sasta fund tab bhi galat chunaav ho sakta hai jab wo aapke goal ki asset class se hi mel nahi khaata — laagat ek tie breaker hai, poora faisla nahi.
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.