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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
2.56%
Direct Plan
0.31%
Difference
2.25
Expected Higher returns with Direct Fund
5 Yr
119,127
10 Yr
256,161
20 Yr
594,046
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.30%
Direct Plan
0.08%
Difference
2.22
Expected Higher returns with Direct Fund
5 Yr
116,406
10 Yr
247,296
20 Yr
559,719
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.58%
Direct Plan
0.38%
Difference
2.20
Expected Higher returns with Direct Fund
5 Yr
116,685
10 Yr
251,454
20 Yr
585,578
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.63%
Direct Plan
0.48%
Difference
2.15
Expected Higher returns with Direct Fund
5 Yr
114,369
10 Yr
247,362
20 Yr
580,179
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.55%
Direct Plan
0.43%
Difference
2.12
Expected Higher returns with Direct Fund
5 Yr
112,484
10 Yr
242,500
20 Yr
565,071
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.53%
Direct Plan
0.43%
Difference
2.10
Expected Higher returns with Direct Fund
5 Yr
111,379
10 Yr
239,994
20 Yr
558,629
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.35%
Direct Plan
0.33%
Difference
2.02
Expected Higher returns with Direct Fund
5 Yr
106,544
10 Yr
227,980
20 Yr
523,207
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.41%
Direct Plan
0.40%
Difference
2.01
Expected Higher returns with Direct Fund
5 Yr
106,289
10 Yr
228,161
20 Yr
526,965
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.68%
Direct Plan
0.68%
Difference
2.00
Expected Higher returns with Direct Fund
5 Yr
106,911
10 Yr
232,623
20 Yr
551,983
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
2.39%
Direct Plan
0.40%
Difference
1.99
Expected Higher returns with Direct Fund
5 Yr
105,189
10 Yr
225,685
20 Yr
520,688
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.33%
Direct Plan
0.38%
Difference
1.95
Expected Higher returns with Direct Fund
5 Yr
102,911
10 Yr
220,355
20 Yr
506,303
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
2.45%
Direct Plan
0.51%
Difference
1.94
Expected Higher returns with Direct Fund
5 Yr
102,889
10 Yr
221,667
20 Yr
515,607
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.38%
Direct Plan
0.44%
Difference
1.94
Expected Higher returns with Direct Fund
5 Yr
102,606
10 Yr
220,295
20 Yr
508,895
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.73%
Direct Plan
0.79%
Difference
1.94
Expected Higher returns with Direct Fund
5 Yr
104,030
10 Yr
227,231
20 Yr
543,303
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.44%
Direct Plan
0.51%
Difference
1.93
Expected Higher returns with Direct Fund
5 Yr
102,339
10 Yr
220,424
20 Yr
512,442
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 26 Oct 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, 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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