Impact of a 0.5% Fee on a Rs 25,000 Monthly SIP over 15 Years
See how a low 0.5% index-fund-style fee affects a larger Rs 25,000 monthly SIP at a 12% gross expected return over 15 years.
A 0.5% annual fee on a ₹25,000/month SIP over 15 years costs you ₹5,87,331 (4.7%) compared to the gross, fee-free return.
- Monthly investment
- ₹25,000
- Gross expected return
- 12% p.a.
- Annual fee
- 0.5%
- Time period
- 15 years
Impact of fees
11.50% net p.a.₹5.87 Lakhs
₹5,87,331
4.7% less than the gross return
Value at gross return
₹1.26 Crore
₹1,26,14,400
Value at net return
₹1.2 Crore
₹1,20,27,069
Invested amount
₹45 Lakhs
₹45,00,000
Net return rate
11.50%
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Assumes a constant 0.5% annual fee applied to a constant 12% gross annual return, compounded monthly. Real fund fee schedules can include entry or exit loads not modeled here.