# Savings on direct mutual funds on Coin really so much?

**URL:** https://tradingqna.com/t/savings-on-direct-mutual-funds-on-coin-really-so-much/21033
**Category:** Coin - Direct MF
**Created:** [September 25, 2017, 4:56pm UTC](https://tradingqna.com/t/savings-on-direct-mutual-funds-on-coin-really-so-much/21033 "2017-09-25T16:56:03Z")
**Posts on this page:** 1
**Showing post:** 2

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### Author: ![nithin](https://tradingqna.com/user_avatar/tradingqna.com/nithin/32/5_2.png) [@nithin](https://tradingqna.com/u/nithin)
#### Post date: [September 25, 2017, 5:00pm UTC](https://tradingqna.com/t/savings-on-direct-mutual-funds-on-coin-really-so-much/21033/2 "2017-09-25T17:00:41Z")

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> [@Tarzan](#):
>
> I am looking at the direct savings calculator on Coin. Saving of Rs 28.34 lks just on a Rs 5000 SIP, is this really true?

Firstly disclaimer. This calculation is assuming your expected returns of 15% CAGR. If it is lesser, the savings will also be lesser.

But if markets return 15%, yes 28lks is what you would save on just a Rs 5000 SIP by investing into direct mutual funds.  
Regular mutual fund has expense ratio of almost 1.5% higher for regular fund in this case. This means everyday 1.5%/250 extra is debited as expenses to a regular fund as compared to a direct fund (250 trading days in a year). If 1.5%/250 is removed extra everyday, the eventual impact is going to be extremely high as shown in the calculator.

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