A Comparative Analysis of Mutual Fund Fee Structure, Investor Cost and Returns of Selected Mutual Fund Schemes

Nitin, B

doi:https://doi.org/10.55041/ijcope.v2i10.087

Volume 02, Issue 10

Published on: October 2026

A COMPARATIVE ANALYSIS OF MUTUAL FUND FEE STRUCTURE, INVESTOR COST AND RETURNS OF SELECTED MUTUAL FUND SCHEMES

B Nitin

Dr. Selva Kumar D

Department of Management Studies,

Faculty of Management and Commerce, M S Ramaiah University of Applied Sciences.

DOI:https://doi.org/10.55041/ijcope.v2i10.087

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Abstract

Every rupee a scheme spends on expenses is a rupee that does not reach the investor, which makes cost an important driver of what investors actually earn. This study compares the fee structure, investor cost and returns of selected set of mutual fund schemes, observing how direct and regular plans differ. The study considers indicators such as total expense ratio, compound annual growth rate CAGR over 1-year, 3-year, and 5-year periods. The sample spans equity, hybrid, index, debt and ELSS categories and pairs direct and regular plans respectively. TER link grows stronger for 3-year CAGR (R² = 0.0954) and 5-year CAGR (R² = 0.1563).

Keywords: Mutual Funds; Total Expense Ratio; Direct Plan; Regular Plan.

How to Cite this Paper

Nitin, B. (2026). A Comparative Analysis of Mutual Fund Fee Structure, Investor Cost and Returns of Selected Mutual Fund Schemes. International Journal of Creative and Open Research in Engineering and Management, <i>02</i>(10), 1-9. https://doi.org/10.55041/ijcope.v2i10.087

Nitin, B. "A Comparative Analysis of Mutual Fund Fee Structure, Investor Cost and Returns of Selected Mutual Fund Schemes." International Journal of Creative and Open Research in Engineering and Management, vol. 02, no. 10, 2026, pp. 1-9. doi:https://doi.org/10.55041/ijcope.v2i10.087.

Nitin, B. "A Comparative Analysis of Mutual Fund Fee Structure, Investor Cost and Returns of Selected Mutual Fund Schemes." International Journal of Creative and Open Research in Engineering and Management 02, no. 10 (2026): 1-9. https://doi.org/https://doi.org/10.55041/ijcope.v2i10.087.

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References

Association of Mutual Funds in India (AMFI). Mutual fund industry and investor education resources.

Babalos, V., Kostakis, P., & Philippas, N. (2009). Effect of expense-ratio policies on mutual fund performance and fund flows.

Barik, S., & Viswanath. (2021). Comparison of expense ratios between Direct and Regular mutual fund plans.

Deb, S. G. (2019). Persistence in performance of actively managed equity mutual funds: New Indian evidence. IIMB Management Review, 31(2), 145-156.

Jain, & Goswami. (2026). Risk-adjusted performance comparison of Direct and Regular Indian equity mutual funds.

Mathapathi, & Chidananda. (2026). Direct versus Regular plans in Indian liquid mutual funds and benchmark tracking.

Securities and Exchange Board of India. (2025). SEBI (Mutual Funds) Regulations, 2026, as approved by the SEBI Board on 17 December 2025.

Singh et al. (2021). Mutual fund flows, performance, risk and expense ratio in India.

Singh. (2026). Long-term effect of mutual fund fees, expense ratios and transaction costs on investor wealth.

Ethical Compliance & Review Process

•All submissions are screened under plagiarism detection.
•Review follows editorial policy.
•Authors retain copyright.
•Peer Review Type: Double-Blind Peer Review
•Published on: Oct 15 2026

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