Commission Disclosure | RG Wealth Creation

Last updated: 1 August 2026 · RG Wealth Creation · ARN 308075

You pay us nothing. RG Wealth Creation does not charge any fee to investors for distribution services. Our remuneration comes entirely from the product manufacturer — the Asset Management Company, bank, issuer or insurer — and is disclosed in the documents issued to you.

Why this page exists

AMFI requires every registered mutual fund distributor to disclose to investors the commission earned across the schemes it distributes, so that you can see whether any conflict of interest exists between what we earn and what you are being offered. We publish the position here rather than waiting to be asked.

How commission works in mutual funds

Commission on mutual fund schemes is paid entirely on a trail basis. There is no upfront commission; it accrues periodically for as long as you remain invested.
Trail commission is paid by the AMC out of the scheme's expense ratio. It is not deducted separately from your investment amount and does not appear as a charge on your statement.
The expense ratio, which includes distributor commission, is already reflected in the NAV that is published each day.
Rates differ by AMC, by scheme, by category and by period, and can be revised by the AMC.

Indicative commission ranges

The table below shows the broad ranges applicable to the categories we distribute. These are indicative, not fixed, and the actual rate for any given scheme is determined by its AMC.

Product category	Indicative trail commission
Equity schemes (large, mid, small, flexi, sectoral)	0.50% – 1.25% per annum
ELSS (tax-saving) schemes	0.60% – 1.25% per annum
Hybrid and balanced advantage schemes	0.40% – 1.10% per annum
Debt schemes (short, corporate bond, gilt)	0.10% – 0.90% per annum
Liquid and overnight schemes	0.02% – 0.20% per annum
Index funds and exchange traded funds	0.05% – 0.40% per annum
Fixed deposits (bank and corporate)	0.10% – 1.00% of the amount placed
Bonds and NCDs	As disclosed by the issuer in the offer document
Life insurance and mediclaim	As permitted by IRDAI regulations for the product

Regular plan and direct plan

Every mutual fund scheme is available in a regular plan and a direct plan. The direct plan carries a lower expense ratio because it does not include distributor commission, and it can be purchased by an investor without any distributor. We distribute regular plans. Before you invest, we will show you the current expense ratio of both plans of the scheme you are considering, so that the difference is visible to you rather than assumed.

Getting the exact figures

You can obtain the precise commission position in three ways:

The half-yearly Consolidated Account Statement issued by the registrars discloses the commission paid to the distributor on your folios.
The scheme related documents of each scheme state the total expense ratio and the commission structure.
Write to tamalikaghosh1979@gmail.com and we will provide the figures applicable to your holdings.

Our undertaking

We do not favour a scheme because it pays a higher commission.
We do not suggest switching between schemes to generate fresh commission.
We disclose, on request, the commission earned by us across schemes we distribute.
We accept no payment from you in cash or in our own name for distribution services.