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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
2.31%
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
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
2.27%
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
Expense Ratio
Regular Plan
2.26%
Direct Plan
0.43%
Difference
1.83
Expected Higher returns with Direct Fund
5 Yr
96,538
10 Yr
2,06,584
20 Yr
4,73,958
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.25%
Direct Plan
0.42%
Difference
1.83
Expected Higher returns with Direct Fund
5 Yr
96,500
10 Yr
2,06,400
20 Yr
4,73,071
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.25%
Direct Plan
0.42%
Difference
1.83
Expected Higher returns with Direct Fund
5 Yr
96,500
10 Yr
2,06,400
20 Yr
4,73,071
Get up to 1% more on Paytm Money with direct Mutual Funds
Updated as on date 17 Jun 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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