Direct v/s Regular Plans

Mutual fund schemes come in two variants i.e. Direct Plan and Regular Plan. Investors should choose Direct Plans as they’re offered directly by the AMC without the involvement of any intermediaries like distributors or agents who charge extra commissions.View More

Your investment of ₹10,00,000, investing in direct plans can generate more returns than regular plans over given time period

Get extra returns on your investments in direct plans

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Name of the Mutual Fund Scheme

Expense Ratio

Regular Plan

Direct Plan

Difference

Expected Higher returns with Direct Fund

5 Yr

10 Yr

20 Yr

JM Aggressive Hybrid Fund Direct-Growth

Aggressive

Expense Ratio

Regular Plan

2.31%

Direct Plan

0.31%

Difference

2.00

Expected Higher returns with Direct Fund

5 Yr

₹1,05,364

10 Yr

₹2,25,117

20 Yr

₹5,15,065

Get up to 1% more on Paytm Money with direct Mutual Funds

Shriram Balanced Advantage Fund Direct - Growth

Dynamic Asset Allocation

Expense Ratio

Regular Plan

2.60%

Direct Plan

0.60%

Difference

2.00

Expected Higher returns with Direct Fund

5 Yr

₹1,06,575

10 Yr

₹2,30,981

20 Yr

₹5,43,794

Get up to 1% more on Paytm Money with direct Mutual Funds

Baroda BNP Paribas Retirement Fund Direct - Growth

Aggressive

Expense Ratio

Regular Plan

2.27%

Direct Plan

0.27%

Difference

2.00

Expected Higher returns with Direct Fund

5 Yr

₹1,05,198

10 Yr

₹2,24,318

20 Yr

₹5,11,217

Get up to 1% more on Paytm Money with direct Mutual Funds

Shriram Multi Asset Allocation Fund Direct - Growth

Multi Asset Allocation

Expense Ratio

Regular Plan

2.30%

Direct Plan

0.35%

Difference

1.95

Expected Higher returns with Direct Fund

5 Yr

₹1,02,790

10 Yr

₹2,19,769

20 Yr

₹5,03,464

Get up to 1% more on Paytm Money with direct Mutual Funds

Groww Banking & Financial Services Fund Direct - Growth

Banking

Expense Ratio

Regular Plan

2.25%

Direct Plan

0.31%

Difference

1.94

Expected Higher returns with Direct Fund

5 Yr

₹1,02,081

10 Yr

₹2,17,767

20 Yr

₹4,96,648

Get up to 1% more on Paytm Money with direct Mutual Funds

Navi Large & Midcap Fund Direct-Growth

Large & MidCap

Expense Ratio

Regular Plan

2.25%

Direct Plan

0.34%

Difference

1.91

Expected Higher returns with Direct Fund

5 Yr

₹1,00,561

10 Yr

₹2,14,678

20 Yr

₹4,90,267

Get up to 1% more on Paytm Money with direct Mutual Funds

ITI Pharma and Healthcare Fund Direct - Growth

Pharma

Expense Ratio

Regular Plan

2.34%

Direct Plan

0.43%

Difference

1.91

Expected Higher returns with Direct Fund

5 Yr

₹1,00,919

10 Yr

₹2,16,400

20 Yr

₹4,98,605

Get up to 1% more on Paytm Money with direct Mutual Funds

JM Midcap Fund Direct - Growth

Mid Cap

Expense Ratio

Regular Plan

2.20%

Direct Plan

0.30%

Difference

1.90

Expected Higher returns with Direct Fund

5 Yr

₹99,857

10 Yr

₹2,12,700

20 Yr

₹4,83,577

Get up to 1% more on Paytm Money with direct Mutual Funds

ITI Banking and Financial Services Fund Direct - Growth

Banking

Expense Ratio

Regular Plan

2.34%

Direct Plan

0.44%

Difference

1.90

Expected Higher returns with Direct Fund

5 Yr

₹1,00,410

10 Yr

₹2,15,361

20 Yr

₹4,96,433

Get up to 1% more on Paytm Money with direct Mutual Funds

ITI Focused Equity Fund Direct - Growth

Flexi Cap

Expense Ratio

Regular Plan

2.34%

Direct Plan

0.44%

Difference

1.90

Expected Higher returns with Direct Fund

5 Yr

₹1,00,410

10 Yr

₹2,15,361

20 Yr

₹4,96,433

Get up to 1% more on Paytm Money with direct Mutual Funds

Aditya Birla Sun Life Transportation and Logistics Fund Direct-Growth

Themed

Expense Ratio

Regular Plan

2.09%

Direct Plan

0.20%

Difference

1.89

Expected Higher returns with Direct Fund

5 Yr

₹98,920

10 Yr

₹2,09,612

20 Yr

₹4,71,621

Get up to 1% more on Paytm Money with direct Mutual Funds

ITI Large Cap Fund Direct - Growth

Large Cap

Expense Ratio

Regular Plan

2.35%

Direct Plan

0.47%

Difference

1.88

Expected Higher returns with Direct Fund

5 Yr

₹99,431

10 Yr

₹2,13,467

20 Yr

₹4,93,000

Get up to 1% more on Paytm Money with direct Mutual Funds

ITI Value Fund Direct - Growth

Value Oriented

Expense Ratio

Regular Plan

2.35%

Direct Plan

0.48%

Difference

1.87

Expected Higher returns with Direct Fund

5 Yr

₹98,922

10 Yr

₹2,12,424

20 Yr

₹4,90,811

Get up to 1% more on Paytm Money with direct Mutual Funds

ITI Large & Mid Cap Fund Direct-Growth

Large & MidCap

Expense Ratio

Regular Plan

2.24%

Direct Plan

0.37%

Difference

1.87

Expected Higher returns with Direct Fund

5 Yr

₹98,493

10 Yr

₹2,10,360

20 Yr

₹4,80,799

Get up to 1% more on Paytm Money with direct Mutual Funds

Baroda BNP Paribas Value Fund Direct - Growth

Value Oriented

Expense Ratio

Regular Plan

1.98%

Direct Plan

0.13%

Difference

1.85

Expected Higher returns with Direct Fund

5 Yr

₹96,481

10 Yr

₹2,03,530

20 Yr

₹4,53,807

Get up to 1% more on Paytm Money with direct Mutual Funds

LIC MF Banking & Financial Services Fund Direct-Growth

Banking

Expense Ratio

Regular Plan

2.33%

Direct Plan

0.48%

Difference

1.85

Expected Higher returns with Direct Fund

5 Yr

₹97,825

10 Yr

₹2,09,961

20 Yr

₹4,84,603

Get up to 1% more on Paytm Money with direct Mutual Funds

Baroda BNP Paribas Small Cap Fund Direct - Growth

Small Cap

Expense Ratio

Regular Plan

2.04%

Direct Plan

0.19%

Difference

1.85

Expected Higher returns with Direct Fund

5 Yr

₹96,711

10 Yr

₹2,04,619

20 Yr

₹4,58,951

Get up to 1% more on Paytm Money with direct Mutual Funds

WhiteOak Capital ESG Best-In-Class Strategy Fund Direct-Growth

Thematic-ESG

Expense Ratio

Regular Plan

2.34%

Direct Plan

0.49%

Difference

1.85

Expected Higher returns with Direct Fund

5 Yr

₹97,863

10 Yr

₹2,10,147

20 Yr

₹4,85,512

Get up to 1% more on Paytm Money with direct Mutual Funds

TRUSTMF Flexi Cap Fund Direct - Growth

Flexi Cap

Expense Ratio

Regular Plan

2.34%

Direct Plan

0.50%

Difference

1.84

Expected Higher returns with Direct Fund

5 Yr

₹97,353

10 Yr

₹2,09,102

20 Yr

₹4,83,315

Get up to 1% more on Paytm Money with direct Mutual Funds

TRUSTMF Small Cap Fund Direct-Growth

Small Cap

Expense Ratio

Regular Plan

2.31%

Direct Plan

0.47%

Difference

1.84

Expected Higher returns with Direct Fund

5 Yr

₹97,226

10 Yr

₹2,08,487

20 Yr

₹4,80,319

Get up to 1% more on Paytm Money with direct Mutual Funds

Updated as on date 18 Dec 2024

About Direct Plans of Mutual Funds

Compared to regular plans, direct plan is an efficient way to invest in mutual funds. Both variants of the scheme are similar in terms of investment objective, fund manager and portfolio composition. The only difference lies in the expense ratio. Direct plans have a lower expense ratio than regular plans. Due to this reason, the fund value of a direct plan (shown as NAV) is higher than the NAV of regular plans.

Direct plans of mutual funds are available for all AMCs i.e. SBI Mutual Fund, HDFC Mutual Fund, Nippon India Mutual Fund, L&T Mutual Fund, Axis Mutual Fund etc.

Suitability of Direct Plans

Individuals who understand their investment needs and risk appetite would find direct plans very useful. Here, you can shortlist the top-rated funds and carry out the entire investing process independently. There will be no interference or hidden commissions from an external intermediaries like a mutual fund distributor or agent.

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