Every mutual fund scheme has two plans: Direct (bought from the AMC/platform, no commission) and Regular (via a distributor who earns ~1% yearly). Returns are otherwise identical.
The maths
On ₹10,000/month for 20 years, a 1% expense gap at 12% vs 11% returns means roughly ₹1 crore vs ₹85 lakh — a ₹15 lakh leak to commission. Platforms like Kuvera, Coin and Groww all offer direct plans.
When regular still makes sense
If you genuinely need an adviser's behavioural coaching and financial planning, a good adviser earning via fee (not hidden commission) can pay for themselves. Otherwise, go direct.
Educational content, not financial advice.