Author Archives: Aishhwariya Subramanian

While you wait for the call, you can learn how direct plans score over regular plans!

Every mutual fund scheme has two variations to invest – a direct plan and a regular plan.

Asset Management Companies (i.e. Mutual Fund companies) allow investors to invest in mutual fund schemes directly via direct plans as opposed to via agents, brokers or distributors, as is the case with regular fund plans.

Mutual Funds charge you annual management fees for managing your money in their funds. This is known as expense ratio and is usually expressed as an annual percentage for eg 2% per annum. This comes out of your investments only.

Regular and direct plans involve investing in the same mutual fund scheme, handled by the same fund manager who invests in the same portfolio of stocks and bonds.

The only difference is that since investing in regular funds is facilitated by a broker or a distributor, the AMC pays a % of the investment as a commission to the distributor whereas no commission is paid in case of a direct plan.

In other words, the expense ratio or fees is higher in regular plans whereas the expense ratio is lower in direct plans as there is no commission. Lower fees for the same fund means that you get higher returns in direct funds vis-a-vis regular funds.

Let’s see by an example :

Suppose Mr. A invested in Canara Robeco Blue Chip Equity Fund-Direct Plan and Mr. B invested in the regular plan for the same scheme at the same time. Take a look at the returns below.

Name of Fund1 year returns(CAGR)3 year returns(CAGR)5 year returns(CAGR)Expense Ratio(CAGR)
Canara Robeco Blue Chip Equity Fund-Direct Plan13.28%15.32%12.37%1.49%
Canara Robeco Blue Chip Equity Fund-Regular Plan11.90%14.04%11.15%2.73%

As we can see, the returns are higher for direct plans in each time frame by about 1.2% which is roughly the same as the difference in their expense ratios.

So, in short:

Regular plans -> higher fees -> lower returns

Direct plans -> lower fees -> higher returns

Hope, the above helps you! Excited to get on a call with you shortly. 🙂

Source: Goalwise

Ride all the way to the fun & frolic at Kidzistaan with Ola!

This festive season just got all the more merrier with Ola! Every time you book an Ola ride, you increase your chances of riding away with FREE passes to Kidzistaan – a three-day carnival extravaganza. To be held from December 20th to December 22nd, 2019, the carnival has attractions that will entertain nearly everyone in your family. From a flea market to a gaming zone, and even live shows, Kidzistaan is the perfect place to create more precious memories with your loved ones. 

We hope you have a joyous time both with Ola and at Kidzistaan – project by Woodcraft Events and Entertainment, execution by DCJC.

To know more about the event, click here: https://kidzistaan.com/

Terms & Conditions:

  • Code valid till December 13, 2019
  • Winners will be chosen via randomiser
  • Winners will be contacted via email
  • Ola’s decision with respect to the winners would be final and binding
  • Ola reserves the right to withdraw/modify the offer at its discretion


Ride Ola and experience vintage Bollywood at the new Noida Social

With Ola rides, you get a chance to time travel back to the vintage era of Bollywood, threading from the 60s to the 90s, at India’s 25th outlet of the iconic Brand Social – Noida Social. Come pay an ode to Single Screen Cinemas with #CinemaSocial at DLF Mall of India, Noida.

 Hurry! Here’s all you need to do:

Why visit Noida Social?

#NoidaSocial (also dubbed #CINEMASOCIAL) is an enduring ode to its old-school film culture. Witness the whistles, the tears, and the grandeur of it all under one roof. The entire ambience is in sync with the old-school cinema hall where you would be greeted gently and provided a separate section for snacks – popcorn, nuggets, and an amazing coffee vendor. When you go deeper into Noida Social, you’ll find yourself amidst the giant wall posters of timeless movies like Sholay, Deewar, Mughal-e-Azam, and more. The decor is dipped in the inspiration taken from the art architecture of famous halls like Liberty, Minerva, Regal, and Maratha Mandir. Don’t miss out on the new menu consisting of 30 dishes exclusive to Noida Social, in addition to the brand’s signature food and drinks offerings. So, take a seat in true theatre style, grab some popcorn and get transported back to nostalgia!

Book an Ola and be a part of the 25th Social celebrations.

Ride Now

Terms and Conditions:

  • SOCIAL is a zero discount code applicable on Micro, Mini & Prime till 13th December, 2019.
  • The Offer is exclusive for Ola users all over Delhi NCR and winner will be announced post conclusion of the contest.
  • Ola shall reach out to Winners via e-mail/mobile to share the e-discount voucher.
  • The participation to this offer is voluntary. By participating in the offer,  the customer is deemed to have read, understood and accepted the terms and conditions of this offer and waive its right to claim any ambiguity.
  • Ola reserves the right to modify or change any of the terms and conditions applicable to this offer at any time.
  • This offer can’t be exchanged for cash or with some other Product/service being given free or in kind.
  • Winners will be chosen via randomiser.
  • Decision of Ola in respect to the offer shall be final and binding.
  • Disputes if any, shall be subject to Delhi jurisdiction only. 

Voucher T&Cs :-

  • The voucher is applicable only on Food. 
  • Voucher can be redeemed by a customer within 3 months from the date of issual.
  • Voucher cannot be clubbed with any other offer. 
  • Voucher can be redeemed only once per person.
  • Only one voucher can be redeemed per table.
  • Voucher applicable at Noida Social outlet only.
  • Taxes as applicable.
  • The voucher value has been adjusted to include a 10% service charge.


Here’s how to get an RFID FASTag

Skip the long lines at toll booths in highways by getting an RFID FASTag sticker. It is a cashless solution through which you can make toll payments online without having to wait in queues or waste your time. 

How does it work?

It is a reloadable sticker that you can put on your vehicle’s front windshield and is linked to a prepaid account. All toll booths at both state and national highways will read the sensors attached to the FASTag stick and money will be automatically deducted. 

Where can I get a FASTag sticker? 

You can pick up a FASTag sticker from banks, and counters present at toll booths. You can also get it from Paytm. 

Is it compulsory? 

Yes. The government has announced that it is compulsory for all vehicles to have the FASTag sticker from December 1st, 2019. 

What are the benefits?

You don’t have to worry about carrying cash to pay at toll booths. You also don’t have to wait in long queues and waste time. 

Get your FASTag sticker before December 1st, 2019

Go on a shopping spree in an Ola

Get ready for a shopping spree! Ola, in association with Pacific Mall, brings you an irresistible offer at your fingertips. Let go off the stress of hunting for a parking spot and hop into an Ola for a convenient journey.

Hurry! Here’s all you need to do:

Why visit Pacific Mall, Tagore Garden in an Ola?

Incepted in the year 2011, this prime-located mall attracts over 18 million visitors in a year – making it Delhi’s most visited hub. It’s architectural beauty houses over 260 brands, which spoils you for choices. Not just that! The mall showcases blockbusters from different genres, giving you a chance to relax and revive before shopping again. Furthermore, Pacific Mall hosts many amusing events, where celebrity chefs, actors, and many prominent figures will interact with the audience. Get the best under one roof!  

Terms and conditions:

●        PACIFIC is a zero discount code applicable on Micro, Mini & Prime ride till 15th Dec. 2019

●        Offer valid at Pacific Mall, Tagore Garden, Delhi

●        Code applicable only from 11 am to 11 pm till 15th Dec.

●        Offer is valid only for limited redemption.

●        Customer has to provide his/her details like name, contact no. along with the CRN number at the Information Desk to receive the vouchers under offer

●        Voucher includes offers from three categories, ie: Fashion, Food & Beauty. Each denomination of 500 will be redeemed separately.

●        Customers will be eligible for the vouchers if they take an Ola Mini, Micro and Prime ride to Pacific Mall with offer code ‘PACIFIC’ applied on each ride during the offer period.

●        One customer can redeem the voucher only once.

●        The participation of this offer is voluntary. By participating the customer is deemed to have read, understood and accepted the terms and conditions of this offer and waive its right to claim any ambiguity.

●        Voucher can be redeemed till 31st Dec 2019, in Pacific Mall, Tagore Garden only.

●        Disputes if any, shall be subject to Delhi jurisdiction only. 

●        Ola reserves the right to modify or change any of the terms and conditions applicable to this offer at any time.

●        This offer can’t be exchanged for cash or with some other Product/service being given free and in kind.

●        In the event offer is being received in damaged condition, the same shall be reported at the time of receiving the same to the person handing over the offer. No subsequent claims shall be entertained.

●        In case of any query, you can contact the customer service manager on 9599681030.


Ride On For EPIC On!

Bored in traffic right now? We have an epic offer that’ll keep you endlessly entertained. Take at least 3 or more Ola rides, and you can win a one-year subscription for EPIC On – a streaming platform hosting all the popular shows from EPIC Channel, and more entertaining content.

Travel from cricket fields and forgotten monuments to Devlok and kitchens of old. Discover new perspectives on literature, history, sports, and all things Indian, with shows like Umeed India, Indipedia, Raja Rasoi Aur Anya Kahaniyaan, and Stories By Rabindranath Tagore. All EPIC videos will be yours for the viewing!

Get a sneak peek of EPIC:

So, ride on for EPIC On!

Terms & Conditions:

  • Code EPICOLA is a zero discount code valid till 18th December 2019 on Ola rides 
  • Code valid in Mumbai, Pune, Ahmedabad, Bhavnagar, Jamnagar, Rajkot, Surat, Vadodara, Bhopal, Indore, Jabalpur, Ujjain, Ahmednagar, Kolhapur, Nashik, Solapur, Amravati, Aurangabad, Nagpur
  • Each winner will receive a code for one year free EPIC On subscription. The subscription code can be redeemed only once before 31st January 2020.
  • Winners will be contacted via email.
  • No two or more codes can be clubbed together
  • The code cannot be used on discounted products and cannot be clubbed with any other offer
  • Ola and EPIC On reserves the right to withdraw/modify the offer at its discretion