Commission Disclosure
Last updated: February 2026
Objective
This policy is prepared in line with SEBI and AMFI guidelines requiring Mutual Fund Distributors to disclose commission structures received from Asset Management Companies (AMCs), ensuring full transparency for investors.
How Commission Works
When you invest in a Regular Plan mutual fund through RS Wealth Family Office (ARN-97045), the AMC pays us a trail commission — a percentage of the invested amount, paid by the AMC out of the scheme’s Total Expense Ratio (TER) and already reflected in the NAV.
Important: this commission does not increase your investment cost. Direct Plans of the same scheme have a lower expense ratio because they exclude distributor commission, and can be purchased directly through AMC platforms.
Indicative Trail Commission
| Scheme Category | Indicative Trail (% p.a.) | Notes |
|---|---|---|
| Equity – Large Cap | 0.50% – 0.80% | Varies by AMC & AUM slab |
| Equity – Mid / Small Cap | 0.60% – 1.00% | Higher TER schemes |
| Debt – Liquid / Overnight | 0.05% – 0.10% | Lower TER |
| Debt – Short / Medium | 0.20% – 0.50% | Varies by category |
| Hybrid – Balanced Advantage | 0.50% – 0.90% | Dynamic allocation |
| Index Funds / ETFs | 0.05% – 0.20% | Passively managed |
Actual commissions vary by AMC slab, investor location (T30/B30), AUM levels and prevailing SEBI regulations.
Key Disclosures
- RS Wealth receives only trail commission — no upfront, incentive or one-time commission from any AMC.
- Investors can see the actual commission paid in their Consolidated Account Statement (CAS) from CAMS/KFintech.
- Commissions are paid by AMCs and included in the TER; they do not increase investor cost.
- We do not accept gifts or non-cash benefits from AMCs that could create a conflict of interest.
- Fund selection guidance is based on objective criteria and is never influenced by commission rates.
- Investors may choose Direct Plans through AMC platforms.
Compliance References
- AMFI Master Circular for Mutual Fund Distributors
- SEBI Master Circular for Mutual Funds
- AMFI Code of Conduct for Mutual Fund Distributors