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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
Expense Ratio
Regular Plan
2.48%
Direct Plan
0.22%
Difference
2.26
Expected Higher returns with Direct Fund
5 Yr
119,256
10 Yr
255,369
20 Yr
587,301
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.55%
Direct Plan
0.38%
Difference
2.17
Expected Higher returns with Direct Fund
5 Yr
115,025
10 Yr
247,686
20 Yr
575,870
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.46%
Direct Plan
0.30%
Difference
2.16
Expected Higher returns with Direct Fund
5 Yr
114,112
10 Yr
244,689
20 Yr
564,133
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.54%
Direct Plan
0.43%
Difference
2.11
Expected Higher returns with Direct Fund
5 Yr
111,931
10 Yr
241,247
20 Yr
561,847
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.58%
Direct Plan
0.48%
Difference
2.10
Expected Higher returns with Direct Fund
5 Yr
111,598
10 Yr
241,060
20 Yr
563,879
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.41%
Direct Plan
0.31%
Difference
2.10
Expected Higher returns with Direct Fund
5 Yr
110,853
10 Yr
237,453
20 Yr
546,219
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.40%
Direct Plan
0.34%
Difference
2.06
Expected Higher returns with Direct Fund
5 Yr
108,783
10 Yr
233,125
20 Yr
536,696
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.37%
Direct Plan
0.31%
Difference
2.06
Expected Higher returns with Direct Fund
5 Yr
108,655
10 Yr
232,505
20 Yr
533,688
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.67%
Direct Plan
0.62%
Difference
2.05
Expected Higher returns with Direct Fund
5 Yr
109,435
10 Yr
237,715
20 Yr
562,252
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.47%
Direct Plan
0.43%
Difference
2.04
Expected Higher returns with Direct Fund
5 Yr
108,067
10 Yr
232,501
20 Yr
539,445
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.60%
Direct Plan
0.60%
Difference
2.00
Expected Higher returns with Direct Fund
5 Yr
106,575
10 Yr
230,981
20 Yr
543,794
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.61%
Direct Plan
0.62%
Difference
1.99
Expected Higher returns with Direct Fund
5 Yr
106,105
10 Yr
230,129
20 Yr
542,565
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.30%
Direct Plan
0.32%
Difference
1.98
Expected Higher returns with Direct Fund
5 Yr
104,310
10 Yr
222,860
20 Yr
509,858
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.58%
Direct Plan
0.62%
Difference
1.96
Expected Higher returns with Direct Fund
5 Yr
104,443
10 Yr
226,351
20 Yr
532,802
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.12%
Direct Plan
0.17%
Difference
1.95
Expected Higher returns with Direct Fund
5 Yr
102,061
10 Yr
216,281
20 Yr
486,749
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.73%
Direct Plan
0.78%
Difference
1.95
Expected Higher returns with Direct Fund
5 Yr
104,545
10 Yr
228,304
20 Yr
545,624
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.55%
Direct Plan
0.60%
Difference
1.95
Expected Higher returns with Direct Fund
5 Yr
103,808
10 Yr
224,696
20 Yr
527,584
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.48%
Direct Plan
0.57%
Difference
1.91
Expected Higher returns with Direct Fund
5 Yr
101,478
10 Yr
219,104
20 Yr
511,844
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.48%
Direct Plan
0.57%
Difference
1.91
Expected Higher returns with Direct Fund
5 Yr
101,478
10 Yr
219,104
20 Yr
511,844
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.48%
Direct Plan
0.57%
Difference
1.91
Expected Higher returns with Direct Fund
5 Yr
101,478
10 Yr
219,104
20 Yr
511,844
Get up to 1% more on Paytm Money with direct Mutual Funds
Updated as on date 01 Apr 2020
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, Reliance 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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