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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
2.62%
Direct Plan
0.32%
Difference
2.30
Expected Higher returns with Direct Fund
5 Yr
1,21,943
10 Yr
2,62,685
20 Yr
6,11,430
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.57%
Direct Plan
0.32%
Difference
2.25
Expected Higher returns with Direct Fund
5 Yr
1,19,174
10 Yr
2,56,388
20 Yr
5,95,159
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.57%
Direct Plan
0.32%
Difference
2.25
Expected Higher returns with Direct Fund
5 Yr
1,19,174
10 Yr
2,56,388
20 Yr
5,95,159
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
1,16,685
10 Yr
2,51,454
20 Yr
5,85,578
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.64%
Direct Plan
0.49%
Difference
2.15
Expected Higher returns with Direct Fund
5 Yr
1,14,414
10 Yr
2,47,581
20 Yr
5,81,265
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.59%
Direct Plan
0.44%
Difference
2.15
Expected Higher returns with Direct Fund
5 Yr
1,14,189
10 Yr
2,46,487
20 Yr
5,75,856
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.41%
Direct Plan
0.35%
Difference
2.06
Expected Higher returns with Direct Fund
5 Yr
1,08,826
10 Yr
2,33,332
20 Yr
5,37,702
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.43%
Direct Plan
0.38%
Difference
2.05
Expected Higher returns with Direct Fund
5 Yr
1,08,405
10 Yr
2,32,712
20 Yr
5,37,572
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
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
Expense Ratio
Regular Plan
2.36%
Direct Plan
0.37%
Difference
1.99
Expected Higher returns with Direct Fund
5 Yr
1,05,065
10 Yr
2,25,085
20 Yr
5,17,770
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.30%
Direct Plan
0.31%
Difference
1.99
Expected Higher returns with Direct Fund
5 Yr
1,04,816
10 Yr
2,23,889
20 Yr
5,11,981
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.20%
Direct Plan
0.23%
Difference
1.97
Expected Higher returns with Direct Fund
5 Yr
1,03,394
10 Yr
2,19,868
20 Yr
4,98,299
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.42%
Direct Plan
0.45%
Difference
1.97
Expected Higher returns with Direct Fund
5 Yr
1,04,296
10 Yr
2,24,206
20 Yr
5,19,273
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.40%
Direct Plan
0.44%
Difference
1.96
Expected Higher returns with Direct Fund
5 Yr
1,03,705
10 Yr
2,22,769
20 Yr
5,15,160
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.30%
Direct Plan
0.34%
Difference
1.96
Expected Higher returns with Direct Fund
5 Yr
1,03,297
10 Yr
2,20,800
20 Yr
5,05,600
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.62%
Direct Plan
0.67%
Difference
1.95
Expected Higher returns with Direct Fund
5 Yr
1,04,094
10 Yr
2,26,093
20 Yr
5,34,531
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
1,02,911
10 Yr
2,20,355
20 Yr
5,06,303
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.62%
Direct Plan
0.67%
Difference
1.95
Expected Higher returns with Direct Fund
5 Yr
1,04,094
10 Yr
2,26,093
20 Yr
5,34,531
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
1,03,808
10 Yr
2,24,696
20 Yr
5,27,584
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.27%
Direct Plan
0.33%
Difference
1.94
Expected Higher returns with Direct Fund
5 Yr
1,02,161
10 Yr
2,18,154
20 Yr
4,98,514
Get up to 1% more on Paytm Money with direct Mutual Funds
Updated as on date 25 Sep 2021
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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