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how to make one crore rupees if you invest 15 000 rupees per month for the next 15 years and pray to god that you get 15 return you will get one crow rupees but if your fund has an expense ratio of only 1.5 you will end up with 87.5 lakh rupees this is why many retail investors are led to believe that a lower expense ratio is always a good thing but it isnamp;#39;t always a good thing what is expense ratio itamp;#39;s a fee that you pay to a mutual fund house to manage your money and grow your money so my only condition as a retail investor is if you get me more returns iamp;#39;m happy to pay a higher expense ratio right and if you check the returns of any mutual funds on any platform youamp;#39;ll always see the nav returns and nav is always calculated by deducting the expense ratio that means the returns that you see on your screen are the net returns investors are getting after paying expense ratio now letamp;#39;s say there are two mutual funds one is giving a return of 12 an