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India's Honest MF Intelligence Platform

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

14,000+
Funds
₹0
Always Free
0%
Commission Bias
<2 min
Full Audit

No signup needed to search  ·  Full Audit unlocks at ₹199

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
₹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

QUESTIONS EVERY INVESTOR SHOULD
ASK TO DISTRIBUTORS.

The questions your distributor hopes you never ask — answered honestly, without trying to sell you anything. See all 21 questions →

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.
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
What's the actual worth of your money? Common questions every mutual fund investor has.

Sound familiar? BullWiser answers every one of these.

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
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NISM Series V-A Mock Test
2,000+ questions · timed 2-hour simulation · chapter-wise explanations. The fastest free path to ARN certification — used by future mutual fund distributors across India.
Free · No Login

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

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.

Real feedback from BullWiser users — unfiltered, unsponsored, unapproved by us.

★★★★★

"I discovered my HDFC Flexi Cap regular plan was silently costing me ₹14,000 a year extra compared to the direct version. Same fund. Switched immediately."

Rahul M.  ·  SIP Investor  ·  Mumbai  ·  Jun 2026
★★★★★

"Finally a tool that doesn't try to sell me anything. The BullWiser Score caught two of my funds consistently underperforming their benchmark for 3 years."

Priya S.  ·  Long-Term Investor  ·  Bengaluru  ·  May 2026
★★★★★

"The Hindi mode helped me explain direct vs regular plans to my parents. They switched within a week. That's ₹40,000 saved over 5 years."

Amit K.  ·  Passive Investor  ·  Lucknow  ·  May 2026
Read all reviews — share yours too →
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📋 Investor Checklist

21 Questions Every Mutual Fund Investor Should Ask Before Investing

Costs, commissions, performance, risk, taxation — the complete due-diligence checklist. Know exactly what to ask before your next SIP or lump sum.

21 questions across 7 categories Red flags to watch for Direct vs Regular cost table
Read Guide →

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About Your Fund?

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

BullWiser AI MF & NISM
Hi! Ask me anything about mutual funds or NISM exam prep.
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