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direct-vs-regular

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
2.60%
Direct Plan
0.50%
Difference
2.10
Expected Higher returns with Direct Fund
5 Yr
111,686
10 Yr
241,488
20 Yr
565,991
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
2.45%
Direct Plan
0.45%
Difference
2.00
Expected Higher returns with Direct Fund
5 Yr
105,947
10 Yr
227,931
20 Yr
528,750
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.61%
Direct Plan
0.61%
Difference
2.00
Expected Higher returns with Direct Fund
5 Yr
106,617
10 Yr
231,186
20 Yr
544,812
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
2.73%
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
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
Expense Ratio
Regular Plan
2.60%
Direct Plan
0.70%
Difference
1.90
Expected Higher returns with Direct Fund
5 Yr
101,444
10 Yr
220,381
20 Yr
521,174
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.55%
Direct Plan
0.65%
Difference
1.90
Expected Higher returns with Direct Fund
5 Yr
101,245
10 Yr
219,408
20 Yr
516,327
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.58%
Direct Plan
0.69%
Difference
1.89
Expected Higher returns with Direct Fund
5 Yr
100,850
10 Yr
218,928
20 Yr
516,953
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.43%
Direct Plan
0.55%
Difference
1.88
Expected Higher returns with Direct Fund
5 Yr
99,745
10 Yr
214,987
20 Yr
500,438
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.33%
Direct Plan
0.45%
Difference
1.88
Expected Higher returns with Direct Fund
5 Yr
99,353
10 Yr
213,089
20 Yr
491,156
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.74%
Direct Plan
0.89%
Difference
1.85
Expected Higher returns with Direct Fund
5 Yr
99,416
10 Yr
217,724
20 Yr
523,197
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.74%
Direct Plan
0.91%
Difference
1.83
Expected Higher returns with Direct Fund
5 Yr
98,380
10 Yr
215,556
20 Yr
518,455
Get up to 1% more on Paytm Money with direct Mutual Funds
Updated as on date 15 Nov 2019
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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