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💡 Did you know?
Switching to Direct plans can add ₹1–2 lakh on a 10-year SIP — same fund, same manager.
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Kya Aapka Mutual Fund
Sahi Hai?

Most Indians were sold a fund, not helped into one. We're helping you understand it.

2,100+ investors audited their portfolio this month

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Portfolio Health Check
Before You Invest Another Rupee…
Answer these 5 simple questions.
1 / 5
Do you know exactly what risks your mutual funds are taking right now?
Most Investors Don't Know The Answers.
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What Investors Say
Real Investors. Real Discoveries.
"I had no idea my regular plan was silently charging me ₹18,000 a year. BullWiser showed me the exact number in 2 minutes."
R Rahul M. · Mumbai
"Finally a tool that doesn't try to sell me anything. Two of my four funds were underperforming their benchmark for 3 years straight."
P Priya S. · Bengaluru
"The Hindi mode helped me explain Direct vs Regular to my parents. They switched immediately. That's ₹40,000 saved over 5 years."
A Amit K. · Lucknow
For NISM Aspirants & ARN Seekers

Free NISM Series V-A Mock Test

2,000+ questions · timed 2-hour simulation · chapter-wise explanations — exactly like the real exam. Your fastest path to ARN certification.

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Practice Questions
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Chapters Covered
2 hr
Real Exam Timer
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Shuffled from 2,000+ question bank
Instant results with explanations
March 2026 official syllabus
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₹10,000 / month SIP  ·  10 years  ·  14% gross CAGR
SAME FUND  ·  SAME MANAGER  ·  SAME MARKET RETURNS
TER = Total Expense Ratio — the annual fee deducted from your fund automatically
₹25L ₹20L ₹15L ₹10L ₹5L ₹0 REGULAR PLAN TER 1.75% / yr DIRECT PLAN TER 0.50% / yr YEAR 0 vs
₹1,70,000+ more
in your pocket with Direct Plan
same fund · same SIP · same 10 years
BullWiser Score = Algorithm rating (0–10) across Returns · Cost · Risk · Consistency — no paid placements, no manual overrides
HDFC Flexi Cap Direct 9.2/10 HIGH QUALITY
SBI Bluechip Direct 8.7/10 HIGH QUALITY
Nippon India Small Cap Direct 7.9/10 AVERAGE
Mirae Asset Large Cap Direct 8.4/10 HIGH QUALITY
Axis Long Term Equity 5.1/10 POOR QUALITY
Parag Parikh Flexi Cap Direct 9.5/10 HIGH QUALITY
DSP Midcap Direct 8.1/10 HIGH QUALITY
Kotak Small Cap Direct 7.6/10 AVERAGE
HDFC Flexi Cap Direct 9.2/10 HIGH QUALITY
SBI Bluechip Direct 8.7/10 HIGH QUALITY
Nippon India Small Cap Direct 7.9/10 AVERAGE
Mirae Asset Large Cap Direct 8.4/10 HIGH QUALITY
Axis Long Term Equity 5.1/10 POOR QUALITY
Parag Parikh Flexi Cap Direct 9.5/10 HIGH QUALITY
DSP Midcap Direct 8.1/10 HIGH QUALITY
Kotak Small Cap Direct 7.6/10 AVERAGE
14,362
Funds Tracked
5,128
Growth Funds Scored
₹1.7L
Avg. Leakage Per Investor
0
Commission Bias
0
To Start. Free Forever.

NOT EVERY AGENT
IS YOUR FRIEND

Many mutual fund agents genuinely add value. But many others earn a commission from your investment every single year — built into the plan's expense ratio. The math should be your decision, not theirs. Here is what 10 years of ₹10K/month SIP actually looks like.

❌ High TER Plan (Agent-Sold)
₹26.5L Maturity ~₹1.7L lost to TER
Principal invested₹12L
Your net returns₹14.5L
TER leakage (est.)~₹1.7L
Expense Ratio
1.75% / year
✅ Direct Plan (BullWiser Shows You This)
₹28.2L Maturity ₹0 lost to TER
Principal invested₹12L
Your net returns₹16.2L
TER leakage₹0
Expense Ratio
0.50% / year
₹1,70,000+
extra in your pocket with Direct Plan — same fund, same SIP, same 10 years

* Example based on 14% CAGR equity fund, ₹10K/month SIP. LTCG @ 12.5% on gains above ₹1.25L. For illustration only.

Zero Commission. Ever.
🏛️ AMFI India Official Data
📚 Educational Tool — Not Investment Advice
📊 Algorithm-Only Scoring. No Manual Overrides.
📖 Scoring Methodology Published

SIX TOOLS.
ONE HONEST PLATFORM.

🔍
Honest Fund Scanner
Quality Ratings on 14,000+ funds across 4 pillars: Returns, Cost, Risk & Consistency — with zero commission influence.
14K+ Funds
👤
Profile Matching
Tell us your age, risk tolerance and investment horizon. We match the entire database to show only the funds that actually suit you.
Personalised
🧮
SIP Calculator
Goal SIP, Step-up SIP, and Capital Gains Tax calculator — all in one place. Know exactly how much SIP you need, and how much tax you'll pay before redeeming.
Free · No Login
📊
Deep Fund Analysis
NAV history charts, rolling returns, portfolio holdings, Sharpe ratio, max drawdown — all the metrics your agent never shows you.
Live Data
📄
Honest Audit PDF
Download a branded 7-page Wealth Audit Report with step-by-step tax calculations, year-by-year returns, and monthly SIP detail table.
Printable Report
🎯
Risk Profile Quiz
8 NISM-aligned questions reveal your true investor profile — Conservative to Aggressive. Get a personalised asset allocation and fund category recommendations in 2 minutes.
Free · 2 min
🆓
Free to Start. No Credit Card.
Create a free account in 10 seconds — fund search, BullWiser scores, SIP calculator, and wealth leakage analysis at no cost. Full Honest Audit report (₹199) unlocks tax breakdown, in-hand value, and PDF download.
Free + Pro ₹199

WHAT'S FREE.
WHAT'S ₹199.

One flat fee. No subscription. No hidden charges.

FREE FOREVER
₹0
  • ✅ Search 14,000+ funds
  • ✅ BullWiser Score
  • ✅ Direct vs Regular cost gap
  • ✅ SIP maturity calculator
  • ✅ Wealth leakage estimate
  • ✅ Portfolio holdings
  • ✅ Fund overlap checker
  • ❌ Tax breakdown (LTCG/STCG)
  • ❌ Inflation-adjusted value
  • ❌ PDF Honest Audit Report
Start Free — No Card Needed
FULL AUDIT
ONE-TIME UNLOCK
₹199
  • ✅ Everything in Free
  • LTCG + STCG tax breakdown
  • Real in-hand value after tax
  • Inflation-adjusted purchasing power
  • 7-page PDF Wealth Audit Report
  • ✅ Fund comparison (side-by-side)
Try Free — Upgrade Available Soon

THREE STEPS TO
THE HONEST TRUTH.

No jargon. No hidden agenda. Just clear numbers about your fund — in under 30 seconds.

1
Search Your Fund
Type your fund name or ISIN. BullWiser looks it up from 14,362 AMFI-registered schemes instantly — no signup needed to search.
≤ 3 seconds
2
See the Real Numbers
Your BullWiser Score, TER vs Direct plan cost, 10-year SIP projection with tax and inflation, Sharpe ratio, max drawdown — the data your agent skips.
Full analysis
3
Take Action
Know exactly which plan is costing you money, how much you're losing, and what to switch to. Download a 7-page Honest Audit PDF to share with anyone.
Full Audit — ₹199

QUESTIONS EVERY
INVESTOR ASKS.

The questions we hear most often — answered honestly, without trying to sell you anything.

What is the difference between Direct and Regular mutual fund plans? +
A Regular plan pays your distributor or agent a trail commission of 0.5%–1.5% per year — deducted from your fund's NAV automatically. A Direct plan cuts out the middleman: same fund, same fund manager, but 0.5%–1.25% cheaper every year. On a 10-year ₹10K/month SIP at 14% CAGR, that difference compounds to ₹1.5–2L extra in your pocket. Read the full comparison →
What is a small cap mutual fund and who should invest? +
SEBI defines small cap funds as schemes that invest at least 65% of assets in companies ranked 251st and beyond by market capitalisation. These funds offer higher growth potential than large or mid caps — but with significantly higher volatility and drawdown risk. Best suited for investors with a 7+ year horizon who can stomach 40–50% interim drops. Full guide on small cap funds →
What is the BullWiser Score and how is it calculated? +
The BullWiser Score (0–10) is a composite rating across four equally-weighted pillars: Returns Quality (1Y, 3Y, 5Y vs benchmark), Cost Efficiency (TER vs category average), Risk-Adjusted Stability (Sharpe ratio, max drawdown, volatility), and Fund Quality (AUM, age, manager tenure). Scores update every day. No manual overrides. No paid placements. Full methodology →
How much tax do I pay on mutual fund gains in 2026? +
For equity funds in India (Budget 2024 rules): LTCG (Long Term Capital Gains) — units held over 1 year — taxed at 12.5% on gains above ₹1.25L per year. STCG (Short Term Capital Gains) — units held under 1 year — taxed at 20%. BullWiser's SIP calculator shows your exact LTCG + STCG breakdown year-by-year, so you know the real in-hand amount — not just the headline maturity figure.
Is BullWiser free? Do I need to create an account? +
BullWiser is free to use. A free account (takes 10 seconds — just email + password) gives you fund search, BullWiser scores, SIP calculator, and wealth leakage analysis at no charge. The Full Honest Audit — complete tax breakdown, real in-hand value, purchasing power, and PDF Wealth Audit download — is available for a one-time ₹199. No credit card needed to sign up. No newsletters unless you opt in. No data selling. No commission bias.

SEE YOUR AUDIT
BEFORE YOU DOWNLOAD

Every analysis generates a 7-page PDF. Here is exactly what it looks like — scroll to see all pages.

BullWiser.com
Honest Wealth Audit Report
PG 1
Equity Flexi Cap — Direct Growth
8.9
★ HIGH QUALITY — STRONG PERFORMER
Solid fund with consistent returns and honest costs.
CategoryFlexi Cap
Direct TER0.98%
Regular TER1.55%
1Y Return+17.4%
3Y Return+18.2%
Sharpe Ratio1.24
Max Drawdown-22.1%
BullWiser Score8.9 / 10
SIP Reality Check
₹10,000/mo · 10 yrs · Direct Plan
PG 2
₹28.2L Maturity
Principal Returns
LTCG Gains (earlier SIPs)₹16.2L
Taxable LTCG (above ₹1.25L)₹14.95L
LTCG Tax @ 12.5%₹1.44L
STCG (last 12 instalments)₹24.8K
STCG Tax @ 20%₹4.96K
Total Tax₹1.71L
Lump Sum Projection
₹5,00,000 one-time · 10 years
PG 3
₹18.5L Maturity
Principal Returns
Amount Invested₹5,00,000
Value at 10 Years₹18.5L
Total Gain₹13.5L
LTCG Tax @ 12.5%₹1.53L
After-Tax In-Hand₹17L
Purchasing Power₹9.5L

Sample only — actual report shows your specific fund's numbers

HONEST PLATFORM.
HONEST REVIEWS.

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14,362 funds covered · BullWiser Score updated daily · Zero paid placements

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