ICICI Prudential · Index Funds

ICICI Prudential Nifty PSU Bond Plus SDL Sep 2027 40 60 Index Fund

Other Scheme - Index Funds Direct plan, growth benchmark: Nifty PSU Bond Plus SDL Sep 2027 40:60 Index launched 16 Sep 2021 open-ended

At a glance

the fund as it stands today, from public disclosures

NAV, 21 Sep 2026

₹13.42

+0.06% since 18 Sep 2026, the previous NAV

1 year

5.9%

return

3 years

7.5%

a year

5 years

6.1%

a year

Since launch

6.1%

a year, over 5.0 years

Assets (AUM)

₹8,096 Cr

Aug 2026 factsheet

Expense ratio, Direct / Regular

0.17% / 0.32%

a year, as of Aug 2026

Holdings

top ten are 48% of the fund · Aug 2026

Disclosed history

5.0 yrs

Sep 2021 – Aug 2026 · 4 of 11 checks could run

Fund managers

Darshil Dedhia · since Jan 2024

All managers →

As the Aug 2026 factsheet printed it: standard deviation 1.0%. Exit load and minimum investment are not yet extracted from the scheme documents.

What only Anveshan can tell you

measured from the disclosures, not quoted from a brochure — each links to how it was done

P5Cost, measured

Regular plan costs 0.20% a year more than Direct

₹3,366 on ₹1 lakh over ten years. Same portfolio, two prices — the difference is what the Regular plan's distribution costs you, read from the two NAVs.

See how it is measured →

P7Whose record

Run by Darshil Dedhia for 2.7 yrs

A return earned before they arrived is the house's record, not theirs — the tenure table shows the fund against its category over exactly their months.

Darshil Dedhia's other funds →

NAVTracking gap

Not replicated: the portfolio cannot be priced line by line in this build.

Each day, the NAV the fund published against the NAV its last disclosed portfolio would have produced at that day's prices. A gap that opens and stays is a change the fund has made and not disclosed yet.

See the daily gap →

P4Consistency

Beat its category in 0% of three-year stretches, and averaged −5.1 points a year across all of them

25 rolling windows since 2021 · behind by 5.1 when it lost points a year — and never won one. A single five-year figure depends on the day you look; the share of stretches won does not — and the average margin says whether winning often was worth anything.

See every window →

headline and record disagree 2 checks found the headline number and the underlying record pointing different ways — marked on the cards below.

NAV and drawdown

Direct plan, growth class · as of 21 Sep 2026

Month-end NAV, indexed to 100 at Sep 2021

61 month-ends · ₹10.00 → ₹13.42, 1.3× since Sep 2021

Deepest fall (max drawdown)

−0.4%

4 Oct 2023 → 10 Oct 2023

Worst month

0.1%

Aug 2025

Days to recover

from the deepest trough back to the old high

Drawdown is measured on the last year of daily NAV; trailing returns are CAGR of the direct growth class. A single end date decides them — the consistency card (P4) below is the record that does not, and it reports both how often the fund beat its category and by how much, because the first without the second can point the wrong way.

Holdings

Aug 2026 disclosure · 90 lines · when each was first held and the change over the last three disclosures

#	Holding	Sector	Weight	First held	Held for	3-mo change
1	NABARD ** corporate bond	—	8.36%	Jun 2024	2.3 yrs	+1.32%
2	State Government of Rajasthan government security	—	7.58%	Jan 2022	4.7 yrs	+0.79%
3	Indian Railway Finance Corporation Ltd. ** corporate bond	—	6.26%	Sep 2021	5.0 yrs	+0.65%
4	State Government of Madhya Pradesh government security	—	4.54%	Sep 2021	5.0 yrs	+1.89%
5	Power Finance Corporation Ltd. ** corporate bond	—	4.38%	Dec 2021	4.8 yrs	+0.45%
6	NABARD ** corporate bond	—	3.93%	Sep 2021	5.0 yrs	+0.41%
7	State Government of Maharashtra government security	—	3.62%	Feb 2022	4.6 yrs	-0.30%
8	State Government of Tamil Nadu government security	—	3.40%	Sep 2021	5.0 yrs	+0.35%
9	Export-Import Bank Of India ** corporate bond	—	3.14%	Nov 2021	4.8 yrs	+0.33%
10	State Government of Uttar Pradesh government security	—	3.12%	Mar 2022	4.5 yrs	+0.32%
11	State Government of Maharashtra government security	—	2.56%	Dec 2021	4.8 yrs	+0.27%
12	State Government of Uttar Pradesh government security	—	2.53%	Sep 2021	5.0 yrs	+0.26%
13	Indian Railway Finance Corporation Ltd. ** corporate bond	—	2.51%	Oct 2021	4.9 yrs	+0.32%
14	State Government of Chhattisgarh government security	—	2.43%	Dec 2021	4.8 yrs	+0.25%
15	State Government of Maharashtra government security	—	2.20%	Sep 2021	5.0 yrs	+0.23%
16	Power Finance Corporation Ltd. ** corporate bond	—	2.15%	Sep 2021	5.0 yrs	+0.23%
17	State Government of Tamil Nadu government security	—	2.12%	Apr 2022	4.4 yrs	+0.22%
18	Power Grid Corporation Of India Ltd. ** corporate bond	—	2.03%	Sep 2021	5.0 yrs	+0.21%
19	Net Current Assets cash equivalent	—	2.01%	Sep 2021	5.0 yrs	-0.70%
20	State Government of Gujarat government security	—	1.85%	Mar 2022	4.5 yrs	+0.19%
21	State Government of Bihar government security	—	1.20%	Sep 2021	5.0 yrs	+0.13%
22	State Government of Uttar Pradesh government security	—	1.14%	Sep 2022	4.0 yrs	+0.12%
23	Power Finance Corporation Ltd. ** corporate bond	—	1.09%	Sep 2022	4.0 yrs	+0.13%
24	State Government of Gujarat government security	—	1.05%	Apr 2022	4.4 yrs	+0.11%
25	State Government of Tamil Nadu government security	—	1.05%	Apr 2023	3.4 yrs	+0.11%
26	State Government of Haryana government security	—	1.05%	Dec 2021	4.8 yrs	+0.34%
27	State Government of Karnataka government security	—	0.98%	Oct 2021	4.9 yrs	+0.10%
28	State Government of Himachal pradesh government security	—	0.95%	Jan 2022	4.7 yrs	+0.10%
29	Indian Railway Finance Corporation Ltd. ** corporate bond	—	0.95%	Mar 2022	4.5 yrs	-0.43%
30	Power Finance Corporation Ltd. corporate bond	—	0.93%	Aug 2026	1 mo	+0.10%
31	State Government of Bihar government security	—	0.88%	Feb 2022	4.6 yrs	+0.09%
32	TREPS / cash equivalents TREPS · money market	—	0.83%	Sep 2021	5.0 yrs	+0.11%
33	Power Finance Corporation Ltd. ** corporate bond	—	0.81%	Apr 2022	4.4 yrs	+0.08%
34	State Government of Karnataka government security	—	0.74%	Dec 2021	4.8 yrs	+0.08%
35	State Government of Haryana government security	—	0.73%	Sep 2021	5.0 yrs	+0.08%
36	State Government of Maharashtra government security	—	0.70%	Oct 2021	4.9 yrs	+0.07%
37	State Government of Gujarat government security	—	0.70%	Feb 2022	4.6 yrs	+0.07%
38	State Government of Jammu & Kashmir government security	—	0.70%	Dec 2021	4.8 yrs	+0.07%
39	State Government of Telangana government security	—	0.68%	Feb 2022	4.6 yrs	+0.07%
40	State Government of Assam government security	—	0.63%	Apr 2022	4.4 yrs	+0.07%
41	State Government of Gujarat government security	—	0.63%	Sep 2021	5.0 yrs	+0.07%
42	State Government of Uttarakhand government security	—	0.58%	Oct 2021	4.9 yrs	+0.06%
43	State Government of Assam government security	—	0.54%	Jan 2022	4.7 yrs	+0.06%
44	State Government of Gujarat government security	—	0.44%	Mar 2025	1.5 yrs	+0.05%
45	State Government of Chhattisgarh government security	—	0.44%	Sep 2021	5.0 yrs	+0.05%
46	State Government of Madhya Pradesh government security	—	0.44%	Mar 2022	4.5 yrs	+0.05%
47	State Government of Uttar Pradesh government security	—	0.39%	Mar 2023	3.5 yrs	+0.04%
48	Indian Railway Finance Corporation Ltd. ** corporate bond	—	0.38%	Aug 2022	4.1 yrs	+0.04%
49	State Government of Haryana government security	—	0.38%	Jun 2022	4.3 yrs	+0.04%
50	State Government of Kerala government security	—	0.38%	Oct 2021	4.9 yrs	+0.04%
51	State Government of Tamil Nadu government security	—	0.33%	Apr 2023	3.4 yrs	+0.03%
52	State Government of West Bengal government security	—	0.32%	Aug 2022	4.1 yrs	+0.03%
53	Export-Import Bank Of India ** corporate bond	—	0.31%	Sep 2021	5.0 yrs	-0.47%
54	NHPC Ltd. ** corporate bond	—	0.31%	Jul 2022	4.2 yrs	-0.25%
55	Power Grid Corporation Of India Ltd. ** corporate bond	—	0.31%	Sep 2025	1.0 yrs	+0.03%
56	State Government of Uttar Pradesh government security	—	0.29%	Mar 2022	4.5 yrs	+0.03%
57	State Government of Rajasthan government security	—	0.29%	Mar 2022	4.5 yrs	+0.03%
58	State Government of Tamil Nadu government security	—	0.28%	Aug 2022	4.1 yrs	+0.03%
59	Power Finance Corporation Ltd. ** corporate bond	—	0.27%	Apr 2023	3.4 yrs	+0.03%
60	Power Grid Corporation Of India Ltd. ** corporate bond	—	0.25%	Nov 2022	3.8 yrs	+0.03%
61	State Government of Telangana government security	—	0.25%	Feb 2025	1.6 yrs	+0.03%
62	State Government of Himachal pradesh government security	—	0.25%	Aug 2022	4.1 yrs	+0.03%
63	State Government of Haryana government security	—	0.25%	Feb 2025	1.6 yrs	+0.03%
64	State Government of Andhra Pradesh government security	—	0.25%	Oct 2021	4.9 yrs	+0.03%
65	State Government of Gujarat government security	—	0.25%	Aug 2022	4.1 yrs	+0.03%
66	State Government of West Bengal government security	—	0.25%	Apr 2022	4.4 yrs	+0.03%
67	State Government of Telangana government security	—	0.25%	Aug 2022	4.1 yrs	+0.03%
68	State Government of Jammu & Kashmir government security	—	0.19%	Nov 2022	3.8 yrs	+0.02%
69	State Government of Madhya Pradesh government security	—	0.19%	Jul 2025	1.2 yrs	-1.40%
70	Power Grid Corporation Of India Ltd. ** corporate bond	—	0.13%	Apr 2022	4.4 yrs	+0.01%
71	State Government of Andhra Pradesh government security	—	0.13%	Jun 2022	4.3 yrs	+0.01%
72	State Government of Rajasthan government security	—	0.13%	Nov 2025	10 mo	+0.01%
73	State Government of West Bengal government security	—	0.13%	Nov 2025	10 mo	+0.01%
74	State Government of Bihar government security	—	0.13%	Jun 2022	4.3 yrs	+0.01%
75	State Government of Kerala government security	—	0.13%	Jun 2025	1.3 yrs	+0.01%
76	State Government of Karnataka government security	—	0.13%	Dec 2025	9 mo	+0.01%
77	Power Grid Corporation Of India Ltd. ** corporate bond	—	0.13%	Mar 2023	3.5 yrs	+0.01%
78	State Government of Rajasthan government security	—	0.10%	Nov 2022	3.8 yrs	+0.01%
79	State Government of Telangana government security	—	0.06%	Nov 2025	10 mo	+0.01%
80	State Government of Assam government security	—	0.06%	Mar 2022	4.5 yrs	+0.01%
81	State Government of Assam government security	—	0.06%	Oct 2021	4.9 yrs	+0.01%
82	State Government of West Bengal government security	—	0.06%	Nov 2025	10 mo	+0.01%
83	State Government of Telangana government security	—	0.06%	Dec 2021	4.8 yrs	+0.01%
84	Power Finance Corporation Ltd. corporate bond	—	0.06%	Sep 2025	1.0 yrs	+0.01%
85	State Government of Tamil Nadu government security	—	0.06%	Oct 2022	3.9 yrs	+0.01%
86	State Government of Tamil Nadu government security	—	0.05%	Apr 2023	3.4 yrs	+0.00%
87	State Government of Andhra Pradesh government security	—	0.04%	Dec 2022	3.8 yrs	+0.00%
88	State Government of Himachal pradesh government security	—	0.04%	Dec 2022	3.8 yrs	+0.00%
89	State Government of Telangana government security	—	0.03%	Nov 2025	10 mo	+0.00%
90	State Government of Tamil Nadu government security	—	0.01%	Jul 2022	4.2 yrs	-3.68%

Showing 1–90 of 90 rows per page10 25 50all

Largest sectors, latest disclosure

Not yet computable. Sector labels come from the disclosures; none were mapped for this fund.

By market cap, latest disclosure

Not yet computable. Needs cap tiers for every holding.

The seven checks, in full

each: the plain claim, where it sits in the category, and — folded — how it is measured and the case against. A flag fires only where headline and record disagree.

P4 Consistency, not a single end date

Beat its category in 0% of three-year stretches, and averaged −5.1 points a year across all of them

25 rolling windows since 2021 · behind by 5.1 when it lost points a year — and never won one

What this means. Take every three-year stretch since the fund had a NAV, one starting each month, and ask two things of each: did it beat the typical fund in its category, and by how much. Counting the wins tells you the record does not depend on when you happen to look; averaging the margin tells you whether winning often was worth anything, because four small wins do not pay for one large loss.

How often, and by how much. The count and the average agree. It did not win one of the 25; the average across all of them is −5.1 points. The worst window ended Jun 2025, 9.8 points behind.

lowest in categoryhighest in category

5th percentile · bottom decile of 139 funds · category median 47%

windows measured25windows won0average across every window−5.08 pts a year · median −5.53when behind, by how much−5.08 pts a year over 25 windowsworst window−9.81 pts a year, ended Jun 2025best window−0.64 pts a year, ended Sep 2026non-overlapping windows in that span1 — the rolling count overlaps, this does not

Thin record. Only 25 rolling windows — under six years of NAV. The share is shown because it was measured; it is a start, not a record, and does not qualify for the home shelf until 36 windows exist.

Fund minus category, each rolling three-year window

ahead of categorybehind

Each bar is one window's margin in percentage points a year. The height of the bars, not the count of green ones, is what the average across every window measures.

How it is measured, and the case against

A fund that beats its category in most rolling three-year windows has a record; one that beats it in a few has an end date. How often it won and by how much are different questions, and this card answers both, because a fund can win four windows in five and still be behind across all five.

How often has it beaten its category, across every window?

Why this might matterRolling every three-year window forward month by month gives hundreds of overlapping observations instead of one. A single end date decides a headline five-year figure; the share of windows won cannot be flattered by when you happen to look. The average margin across every window is that share and the payoff multiplied together — win share x average beat plus loss share x average shortfall is exactly the average — so a high share bought with a few ruinous windows cannot hide behind the count.

Why it might notRolling windows overlap heavily, so they are not independent observations and the true sample is far smaller than the count suggests — the card says how many non-overlapping windows the same span holds, and it is usually a handful. A fund that changed manager or mandate carries a record that is only partly its own. The average margin is only as meaningful as the category: where a category is a grab bag (“Other ETFs” holds gold beside equity), a large shortfall says the comparison is wrong, not that the fund is. And none of this forecasts: our own study found the share of windows won does not predict the next three years, and weighting it by payoff gives no reason to think otherwise.

P5 Cost, measured

Regular plan costs 0.20% a year more than Direct

₹3,366 on ₹1 lakh over ten years

What this means. The Regular and Direct plans hold the same portfolio; the Regular one pays a distributor out of your money every day. The gap between the two NAVs is that cost, measured from the NAVs rather than quoted from a document.

0.20 pp a year

costliest in categorycheapest in category

87th percentile · top quartile of 240 funds · category median 0.53 pp

on ₹1,00,000 over ten years₹3,366Direct vs Regular, annualised6.1% vs 5.9%measured over5 years

How it is measured, and the case against

The Direct plan is the same portfolio, priced differently; the divergence of the two NAVs is the cost, measured rather than quoted.

What does the Regular plan actually cost against its Direct twin?

Why this might matterSame manager, same holdings, same day. The gap between the two NAV series is the one number on this page that is knowable today rather than hoped for, and it compounds for as long as the units are held.

Why it might notA Regular plan buys advice. If that advice stops someone selling in a drawdown it can be worth more than the fee — the cost is visible and the behavioural saving is not, which makes this comparison unfair in exactly one direction.

P1 Churn, and what it bought

Not measurable yet. Needs at least two consecutive monthly disclosures.

What this means. How much of the portfolio was bought and sold in a year, computed from what the fund disclosed each month. Trading costs something certain; the extra return it is meant to buy is not.

How it is measured, and the case against

Turnover measured from consecutive disclosures — Σ|Δweight|/2 — costs something certain; the excess return it is meant to buy is not.

Is the trading paying for itself?

Why this might matterAMCs define their own turnover figure inconsistently. This one is computed from what the fund disclosed month to month, so two funds are comparable on it. Read it beside the excess return per unit of turnover.

Why it might notTurnover computed from month-end snapshots misses everything bought and sold inside a month, and a fund forced to sell by redemptions is charged for churn it did not choose.

P2 Conviction or inertia

Not measurable yet. Needs the holdings history for this fund; not computed yet.

What this means. How long a typical top-10 position has been in the top ten. Long-held positions are a decision; a top ten that changes every quarter is a reaction.

How it is measured, and the case against

The median months a top-10 position has been held separates a portfolio somebody chose from one that drifted.

How long does a top-10 position stay a top-10 position?

Why this might matterConcentration is how a manager expresses conviction, and persistence is how long they keep it. Long-held positions with a rising weight are a decision; a top ten that turns over every quarter is a reaction.

Why it might notPersistence without active share is inertia: a portfolio of 166 names that tracks its category closely has diversified away the reason to pay for it. Active share needs index constituent files, which are not loaded yet.

P3 Hit rate of the top ten

Not measurable yet. Detector not yet written: needs each disclosure's top ten joined to six months of forward prices. Holdings and prices are in hand.

What this means. Take each month's ten largest holdings and check whether each one beat the typical stock its category holds over the next six months, and by how much. A blended return can hide two wins and eight losses; a count of wins can hide one position that lost half its value.

How it is measured, and the case against

A manager's largest bets, judged one by one over the following six months, say more than the fund's blended return — and how far each one beat or missed the median stock says more than counting how many did.

Of its top-10 positions, how often did they beat the category-median stock?

Why this might matterA fund can beat its category on two positions and lose on eight; the hit rate shows the pattern the aggregate hides. The average margin then shows what the hit rate hides in turn: six winners worth a point each do not pay for four losers worth ten, and only the margin says which happened.

Why it might notSix months is short, sizing matters more than counting, and a manager who is right on the biggest position and wrong on nine small ones has done their job — the margins here are unweighted, so they answer the counting question better, not the sizing one. Overlapping disclosures judge the same position again each month it is held, so one long-held winner is counted many times. And this is a description of six months already past, not a forecast of the next six.

P6 Size against edge

₹8,096 Cr; 347% of growth came from outflows

Regular plan expense ratio 0.38% a year

What this means. Where the fund sits by size in its category, and how much of its growth was money arriving rather than the portfolio compounding. A very large fund cannot buy what a small one can; size should buy a lower fee in return.

0.38% TER

costliestcheapest

83th percentile · top quartile of 290 funds · category median 0.90%

expense ratio, Regular / Direct0.38% / 0.20% · category median 0.90%AUM, Aug 2023 → Aug 2026₹8,979 Cr → ₹8,096 Cr (−3% a year)of that change, from flows rather than returns347% net outflows · NAV +24% over the window

Assets under management, ₹ crore, Sep 2021 – Aug 2026

54 points · months without a factsheet figure use AMFI's quarterly average · Regular-plan expense ratio 0.34% in Sep 2021 → 0.38% in Sep 2026

How it is measured, and the case against

Past a certain size the smaller end of a mandate becomes unreachable, and the fund starts to look like its index; what size should buy in return is a lower expense ratio.

Has the fund outgrown the universe it invests in — and did size buy a lower fee?

Why this might matterSize narrows what the manager can meaningfully hold and should lower what the investor pays. Read the AUM history beside the expense ratio: a fund that has tripled through inflows while its Regular-plan TER sits above the category median has kept the benefit of scale for the house. The flow decomposition says how much of the growth was money arriving rather than the portfolio compounding.

Why it might notScale funds research teams, and plenty of large funds have gone on compounding for decades. Inflows follow performance, so a fund growing fast is usually one that did well; the constraint is real but not automatically binding, and a TER is a ceiling the AMC can cut at any time.

P7 Whose record is this headline and record disagree

Run by Darshil Dedhia for 2.7 yrs

What this means. How long the people running it now have been running it, read from the monthly factsheets. A five-year record earned under someone else is not evidence about these managers.

2.7 yrs · Darshil Dedhia

newest teamlongest-serving

75th percentile · top quartile of 130 funds · category median 1.5 yrs

running it nowDarshil Dedhia (since Jan 2024)share of the fund's life under the longest-serving current manager53%changes of hands in the archive2 — last Jan 2024

Who ran it, month by month · factsheets through Sep 2026

running it nowearlier

Manager	Role	From	To	Fund vs category, those months	3-yr stretches won in tenure
Darshil Dedhia	fund manager	Jan 2024	now	7.6% vs 6.6% p.a. (+0.99 pp)	—
Anuj Tagra	fund manager	Sep 2021	May 2023	3.8% vs 3.5% p.a. (+0.29 pp)	—
Chandni Gupta	fund manager	Sep 2021	Dec 2023	4.3% vs 10.3% p.a. (−6.01 pp)	—
Moderate	fund manager	Jun 2023	Dec 2023	3.3% vs 17.7% (−14.40 pp)	—

* dated by first appearance in the archive we hold, not by a date the factsheet printed. Co-managed months count for every manager named; a factsheet names the manager of record, not who made each call. All managers →

The 5-year record predates everyone currently running it. The longest-serving manager on this scheme has been in place about 2.7 years, against a 5-year figure on display. Darshil Dedhia joined roughly 2.7 years ago. A record earned under different people is not evidence about these ones.

How it is measured, and the case against

A record earned under different people is not evidence about these ones.

Does the displayed record predate the people running it?

Why this might matterA five-year figure on a fund whose longest-serving manager joined two years ago is the house's record more than the person's. The tenure here comes from what each monthly factsheet named, so a change of hands is dated to the month it was disclosed, and the fund's return against its category can be read over exactly those months.

Why it might notFund houses have processes, research desks and mandates that outlast individuals, so a manager change is not a reset. It does mean the displayed record is the house’s more than the person’s.

Tracking gap

the NAV the fund published, against the NAV its last disclosed portfolio would have produced at each day's prices

No signal. About 100% of this fund is outside listed Indian equity — a foreign or derivative sleeve, or debt — and there are no daily prices to replicate it with. A wrong signal would be worse than none.

Share classes

latest NAV per AMFI code

Plan	Option	NAV	Date
direct ICICI Prudential Nifty PSU Bond Plus SDL Sep 2027 40 60 Index Fund - Direct Plan Growth	growth	₹13.42	21 Sep 2026
direct ICICI Prudential Nifty PSU Bond Plus SDL Sep 2027 40 60 Index Fund - Direct Plan Weekly - IDCW	idcw	₹9.95	16 Sep 2022
direct ICICI Prudential Nifty PSU Bond Plus SDL Sep 2027 40 60 Index Fund - Direct Plan Quarterly - IDCW	idcw	₹10.12	16 Sep 2022
direct ICICI Prudential Nifty PSU Bond Plus SDL Sep 2027 40 60 Index Fund - Direct Plan Annual - IDCW	idcw	₹13.42	21 Sep 2026
regular ICICI Prudential Nifty PSU Bond Plus SDL Sep 2027 40 60 Index Fund - Growth	growth	₹13.30	21 Sep 2026
regular ICICI Prudential Nifty PSU Bond Plus SDL Sep 2027 40 60 Index Fund - Weekly - IDCW	idcw	₹9.95	16 Sep 2022
regular ICICI Prudential Nifty PSU Bond Plus SDL Sep 2027 40 60 Index Fund - Quarterly - IDCW	idcw	₹10.10	16 Sep 2022
regular ICICI Prudential Nifty PSU Bond Plus SDL Sep 2027 40 60 Index Fund - Annual - IDCW	idcw	₹13.30	21 Sep 2026

The Direct / Regular gap, in rupees

Direct growth NAV: ₹13.42
Regular growth NAV: ₹13.30
NAV divergence to date: 0.9% — same portfolio, priced differently
Regular costs more by: 0.20% a year
On ₹1,00,000 over ten years: ₹3,366

A Regular plan buys advice. The fee is visible and the behavioural saving is not; both are shown, neither is netted off.

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