RupeeCase vs mutual funds
A mutual fund and RupeeCase both build long term wealth on NSE and BSE. One charges on everything, every year. The other charges 0.2% of what trades, in your own demat.
01Cost
A fund takes its fee from the NAV every day, on the whole amount. RupeeCase charges 0.2% of traded value, per rebalance, and nothing else.
02Cost over 20 years
The same return before costs, ₹10 lakh, 20 years. The only difference between the lines is the fee.
₹14.1 lakhmore left after 20 years with RupeeCase than with a mutual fund at 1.8%, on ₹10 lakh at 12% a year before costs, rebalancing every 4 weeks.
Illustration, not a forecast: one return before costs for every option, minus each option's typical fee, compounded. Brokerage and taxes left out for all. Pick a return or a cadence, or move along the chart. Illustration: ₹10.0 lakh for 20 years at 12% a year before costs ends at RupeeCase ₹83.9 lakh; a mutual fund at 1.8% ₹69.8 lakh (RupeeCase at 13 rebalances a year, 30% turnover; at 26 rebalances it ends at ₹72.9 lakh).
03Ownership
The same kind of basket, held two ways. A fund keeps the shares and gives you units. RupeeCase places them in your own demat, where you can see every name.
Names: a few of the holdings in the Allcap model on 3 Jul 2026, from the published rebalance record. Model record, not a recommendation of any stock.
04The rest, in four lines
RupeeCaseFrom ₹26,000 per strategy
Mutual fundFrom ₹500 by SIP
RupeeCase holds whole shares at published weights.
RupeeCaseNone
Mutual fundNone, except ELSS (3 years)
Some funds charge an exit load if you redeem early.
RupeeCaseT+1, sell in your broker
Mutual fundWithin 3 working days
Equity schemes, after a redemption.
RupeeCaseIn your hands, at each rebalance sale
Mutual fundOnly when you redeem units
STCG 20%, LTCG 12.5% above ₹1.25 lakh a year for listed equity.
05The honest part
A fund is often the better tool. Pick the one that fits the job.
06Questions
Straight answers, written to be quoted.
No. RupeeCase is a technology platform operated by QC Alpha Technologies Pvt Ltd. It publishes rule based strategies, packaged like an index, and sends the model portfolio to your own broker. You hold every share in your own demat. It is not a mutual fund, a PMS, an AIF or a SEBI registered investment adviser.
A mutual fund typically charges 0.3% to 2.5% of your assets every year, deducted from the NAV, whether or not it trades. RupeeCase charges 0.2% of traded value each time a strategy rebalances, and nothing else. At 30% turnover that is about 0.78% a year at 13 rebalances, or about 1.56% at 26. Brokerage and statutory charges go through your broker in both cases.
A mutual fund SIP can start at ₹500. RupeeCase strategies hold whole shares at published weights, so each one has a minimum, from ₹26,000 to ₹3,02,000 in the lineup published on 17 Jul 2026.
With a mutual fund you pay capital gains tax only when you redeem units. With RupeeCase you own the shares, so each rebalance that sells at a profit is a taxable event in your hands: STCG at 20%, and LTCG at 12.5% above ₹1.25 lakh a year for listed equity.
Yes. There is no lock in. You sell in your own broker account and the cash settles the next trading day. Mutual funds also have no lock in, except ELSS (3 years), though some charge an exit load if you redeem early.
It depends on your amount, your tax position and how much you want to see and control. Compare first, validate the strategy's model back test, then decide. The risk profile on RupeeCase helps you find the strategies within your risk envelope. This is not investment advice.
Read each strategy's rule and model back test first. Then invest from ₹26,000, in your own demat.
Typical fee levels: mutual funds 0.3% to 2.5% of assets a year, PMS 2% of assets plus a 20% profit share, as stated on the current RupeeCase pricing page; AIF Category III about 2% plus 20%; PMS minimum ₹50 lakh and AIF minimum ₹1 crore under SEBI rules. Every product differs; read its own documents.
RupeeCase is a technology platform operated by QC Alpha Technologies Pvt Ltd. It is not a mutual fund, a PMS, an AIF or a SEBI registered investment adviser. Research by QC Alpha Research Pvt Ltd, SEBI research analyst registration pending. Trades execute through your own SEBI registered broker. Investments in securities markets are subject to market risks. Nothing here is investment advice.
Photography: Rare empty local train of Mumbai by Dharmadhyaksha, CC BY-SA 3.0; A night in Mumbai by Siddharth Shah, CC BY-SA 4.0; other photographs CC0, public domain or our own, regraded; device screens show the RupeeCase app on sample data. Full list: credits.