SIP
Step-up SIP
SWP
STP
Lumpsum
Tax planning
Retirement
Child future
Rolling returns
SIP vs lumpsum
Cost drag
Drawdown
Exit load
What the expense gap costs
A scheme’s expense ratio against its category average, in rupees, on a balance you choose.
Scheme
1,648 schemes · NAV as at 20 Aug 2026
Axis Banking & PSU Debt Fund
Banking and PSU Fund · Direct Growth · Axis
AMC Axis
Category Banking and PSU Fund
NAV ₹2894.28
Launched 2012
Balance held
₹10,00,000
Held for
10 years
No return is assumed on either side. A total expense ratio is charged on the balance whether the market rises or falls, so holding the balance flat isolates the fee and nothing else. Both figures are as disclosed in the source.
This scheme’s expense ratio0.36%
Category average0.50%
Fee at this scheme’s ratio, 10 years₹35,422
Fee at the category average₹48,890
Difference₹13,468 less
Why this one is worth doing first
An expense ratio is the only number on this page that is known in advance. It is charged every year, on the whole balance, regardless of what the market does — which makes the gap between two ratios the most predictable rupee figure a distributor can put in front of you. Nothing here says a cheaper scheme is a better one.
How this is worked out
expense is the scheme’s disclosed total expense ratio; catExpense is the category average as disclosed in the source. Neither is a projection.
A category average is an average, not a benchmark to beat. It is disclosed for 1,293 of 1,648 schemes (78.5%).
Everything else this scheme discloses
NAV history, ratios, expense and load in one place — and a person to walk you through them.