» » Update म्यूचुअल फंड की Expense Ratio क्या है?कैसे काम करता है-कितना अंतर Direct Plan Vs Regular Plan?

Update म्यूचुअल फंड की Expense Ratio क्या है?कैसे काम करता है-कितना अंतर Direct Plan Vs Regular Plan?

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⬂Expense Ratio क्या है?
dosto aaj ham is post por dekhenge expnase ratio ke bare mai.expance ratio ek fees hain  jo investment company (AMC) charge korte hain investor ko uski fund kee dekhval(manage)korne ke lia.[Expense ratio is the fee charged by the investment company to manage the funds of investors.]


mutual fund company(AMC) hamare fund ko manage korne ke lia highly qualified professional ko niyog korte hain .iske lia professional ko  fees dena porta hain .agr ek sath  dekha jaye mutual fund ke kharch ..
  • managment fees
  •  agent/distributor commision
  • register fees
  • selling and promoting
  • advertising 
  • etc
a sare kharch e ko expanse ratio ke maddhom se nikal lia jate.simple vasa main expance ratio app kee invested amout ke her unit ko manage korne ka kharch.
कैसे कैलकुलेट होते हैं:kisi bhi mutual fund ki expance  uski AUM(asset under management) par charge kia jata hain.man lijia kisi ek mutual fund ke  aum hain 1000 crores,agar uski expanse ratio 2% hai to uski ekdin ki expanse hain yani ekdin ke kharch-
                               =2%*AUM/365
                               =2%*1000crore/365
                               =20crore/365(one day expance)
                               =5,47,945rs(one day expance)
us AMC ke kul AUM se 5 laakh rupaye nikal liya jaate hain aaj(One Day)phand ko chalaane ki  kharch ke lie .
                             istara har din fund ko manage korne ke lia kharch (Expance)nikal lia jate hain aur ukse bad NAV calculate hote  hain. mutual fund main apko nav based returns milte hain mtlb agr man lijia apko kisi mutual fund  scheme main 10,000 rs  20 nav por investment korke 500 unit mila hain, 5 saal bad uski nav  badkar 26 hogaya. a jo nav hain a har din ke kharch katne ke bad calculate hota hian.to apki actual return hoga...
                                =total units*present nav
                                  =500*26
                                  =13,000rs(actual return )


Example:man lijia apne kisi mutual fun main ..
                   invest-1lakh rs
                  expanse ratio-2%
              annual  return-12%
                time period-1 saal
hala ke expanse har din kat lia jata hain, fir bhi agr calculate kore to..
                     total fees-2%=1 lakh*2%
                                       =2000rs
maturity amount= 1lakh*(return-expanse ratio)
                              =1lakh*10%
                               =1lakh10 hazar
Expanse Ratio अधिकतम सीमा:the market reguletor SEBI ne expanse ratio ke adhiktam sima set kor diya hain.
  • equity mutual fund-ke lia expanse ratio uski average weekly net asset ke upor 2.5 % se jada nahi hoga.
  • debt mutual fund- ke lia expanse ration ke adhiktam sima 2.25%
  • index fund -ke lia expanse ratio ke adhiktam sima 1.15%
                     job kisi fund ki asset bad jata hain tob uski expanse ratio kom ho jata hain ,islia apne dekha hoga kisi new fund ke expanse ratio jada hote hain.expanse kavi bhi badal sakte hain magr overall limit(ceiling for the expense ratio ) ke andar.
Importance Of Expanse Ratio:mutual fund ke selection ke wakt us fund ki expanse ratio dekhna chahiye.jada expanse ratio fund apki return main ghata la sakta hain.

  • equity fund  main agar ap  dono fund ko compare kor rahe ho investment ke lia ,aur us dono fund ke sare performance parameter lagvag same hain ,to apko us fund ko select korna chahiy jiski expanse ratio kom ho.
                      agr o dono fund ke andar  kisi ek fund ke  return performance jada hain to usko chunaw korna chahiye q ke a dono fund ke andar expanse ratio ke  difference jada nahi hoga.

  • Debt Fund -agar debt mutual fund ki bat kore to iss khetro main mutual fund ke selection por expanse ratio  deciding factor hoga,q ke debt mutual fund main lagvag sabhi fund return performance same hota hain.to jiski expance ratio kom hain usme invest korna chahiye.

Expanse ratio की अंतर direct plan vs regular plan: dosto kisi bhi mutual fund ki ek direct plan aur ek regular plan hota hain.direct plan aur regular plan main sirf expanse ratio ka antar hain ,direct plan main expanse ratio kom hota hian regular plan ke comparison main.q ke direct plan main kohi bhi intermediary jaise ke advisor ya distributor nahi hota,regular plan main expanse ratio ke ek hissa distributor ko uski investment advice ke lia diya jata hain.example ke lia birla sun life top 100 fund ki expance ratio ko dekhte hain...
birla sunlife top 100 fund main sob kuch ek jaisa hain-

  •           same fund
  •           same fund managar
  •           same stock portfolio
  •           same everything
                       agar expanse ratio ke bat kore to ap upor screen shot por dekh sakte hai...
                      regular plan-2.36%
                      direct plan-1.06%
 iska matlab yah hai ki yadi aapne regular plan mein nivesh kiya hai  to direct plan ke comparison main 1.3% jada aapake nivesh se expanse ke roop mein kat lia jayega. yah 1.3% chhota lag sakata hai, lekin agar apne apna nivesh ko deerghakaalik rakhna hain to yah figure bahut bada hoga. 
           agar birla sunlife top 100 fund ne agale 20 saal mein 15% return diya, agr ap 10,000 rupaye direct plan main sip kia hota to 20 saal bad apki maturity amout hota1.5 crores rs aur regular plan main maturity amount 1.3 crores rupaye ka hoga. 
                   to ap direct plan main lower expance ratio ke faida uthake 20lks save kor sakte hain.regular plan main us  20 lakhs apki advisor aur distributor ko jata hain.

        lakin apko dhyn rakhna  hain agr ap ko market ke bare main jada jankari nahi hain to ap ek achhi  professional advisor ke sahara le sakte hain anyatha yadi apko pata hain right mutual fund main invest korne ke bare main to ap khud se direct plan main invest kor sakte hain
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