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

ITI Banking and Financial Services Fund Direct - Growth

Banking

Expense Ratio

Regular Plan

2.60%

Direct Plan

0.38%

Difference

2.22

Expected Higher returns with Direct Fund

5 Yr

₹1,17,793

10 Yr

₹2,53,971

20 Yr

₹5,92,080

Get up to 1% more on Paytm Money with direct Mutual Funds

ITI Flexi Cap Fund Direct - Growth

Flexi Cap

Expense Ratio

Regular Plan

2.52%

Direct Plan

0.30%

Difference

2.22

Expected Higher returns with Direct Fund

5 Yr

₹1,17,422

10 Yr

₹2,52,176

20 Yr

₹5,83,281

Get up to 1% more on Paytm Money with direct Mutual Funds

WhiteOak Capital Tax Saver Fund Direct - Growth

ELSS

Expense Ratio

Regular Plan

2.53%

Direct Plan

0.34%

Difference

2.19

Expected Higher returns with Direct Fund

5 Yr

₹1,15,948

10 Yr

₹2,49,311

20 Yr

₹5,77,993

Get up to 1% more on Paytm Money with direct Mutual Funds

ITI Large Cap Fund Direct - Growth

Large Cap

Expense Ratio

Regular Plan

2.54%

Direct Plan

0.39%

Difference

2.15

Expected Higher returns with Direct Fund

5 Yr

₹1,13,964

10 Yr

₹2,45,397

20 Yr

₹5,70,494

Get up to 1% more on Paytm Money with direct Mutual Funds

ITI Mid Cap Fund Direct - Growth

Mid Cap

Expense Ratio

Regular Plan

2.53%

Direct Plan

0.39%

Difference

2.14

Expected Higher returns with Direct Fund

5 Yr

₹1,13,412

10 Yr

₹2,44,144

20 Yr

₹5,67,276

Get up to 1% more on Paytm Money with direct Mutual Funds

ITI Multi Cap Fund Direct - Growth

Multi Cap

Expense Ratio

Regular Plan

2.64%

Direct Plan

0.50%

Difference

2.14

Expected Higher returns with Direct Fund

5 Yr

₹1,13,904

10 Yr

₹2,46,536

20 Yr

₹5,79,068

Get up to 1% more on Paytm Money with direct Mutual Funds

Edelweiss Aggressive Hybrid Fund Direct - Growth

Aggressive

Expense Ratio

Regular Plan

2.50%

Direct Plan

0.36%

Difference

2.14

Expected Higher returns with Direct Fund

5 Yr

₹1,13,278

10 Yr

₹2,43,495

20 Yr

₹5,64,100

Get up to 1% more on Paytm Money with direct Mutual Funds

ITI Value Fund Direct - Growth

Value Oriented

Expense Ratio

Regular Plan

2.44%

Direct Plan

0.33%

Difference

2.11

Expected Higher returns with Direct Fund

5 Yr

₹1,11,491

10 Yr

₹2,39,116

20 Yr

₹5,51,428

Get up to 1% more on Paytm Money with direct Mutual Funds

Edelweiss Focused Equity Fund Direct - Growth

Flexi Cap

Expense Ratio

Regular Plan

2.50%

Direct Plan

0.42%

Difference

2.08

Expected Higher returns with Direct Fund

5 Yr

₹1,10,231

10 Yr

₹2,37,281

20 Yr

₹5,51,178

Get up to 1% more on Paytm Money with direct Mutual Funds

WhiteOak Capital Balanced Advantage Fund Direct - Growth

Dynamic Asset Allocation

Expense Ratio

Regular Plan

2.39%

Direct Plan

0.31%

Difference

2.08

Expected Higher returns with Direct Fund

5 Yr

₹1,09,753

10 Yr

₹2,34,977

20 Yr

₹5,39,942

Get up to 1% more on Paytm Money with direct Mutual Funds

ITI Pharma and Healthcare Fund Direct - Growth

Pharma

Expense Ratio

Regular Plan

2.37%

Direct Plan

0.30%

Difference

2.07

Expected Higher returns with Direct Fund

5 Yr

₹1,09,161

10 Yr

₹2,33,533

20 Yr

₹5,35,807

Get up to 1% more on Paytm Money with direct Mutual Funds

Franklin India Balanced Advantage Fund Direct - Growth

Dynamic Asset Allocation

Expense Ratio

Regular Plan

2.21%

Direct Plan

0.14%

Difference

2.07

Expected Higher returns with Direct Fund

5 Yr

₹1,08,473

10 Yr

₹2,30,236

20 Yr

₹5,19,969

Get up to 1% more on Paytm Money with direct Mutual Funds

Union Retirement Fund Direct - Growth

Aggressive

Expense Ratio

Regular Plan

2.37%

Direct Plan

0.30%

Difference

2.07

Expected Higher returns with Direct Fund

5 Yr

₹1,09,161

10 Yr

₹2,33,533

20 Yr

₹5,35,807

Get up to 1% more on Paytm Money with direct Mutual Funds

Quant Small Cap Fund Direct Plan-Growth

Small Cap

Expense Ratio

Regular Plan

2.67%

Direct Plan

0.62%

Difference

2.05

Expected Higher returns with Direct Fund

5 Yr

₹1,09,435

10 Yr

₹2,37,715

20 Yr

₹5,62,252

Get up to 1% more on Paytm Money with direct Mutual Funds

Quant Tax Plan Direct-Growth

ELSS

Expense Ratio

Regular Plan

2.62%

Direct Plan

0.57%

Difference

2.05

Expected Higher returns with Direct Fund

5 Yr

₹1,09,219

10 Yr

₹2,36,665

20 Yr

₹5,57,024

Get up to 1% more on Paytm Money with direct Mutual Funds

Quant Active Fund Direct-Growth

Multi Cap

Expense Ratio

Regular Plan

2.63%

Direct Plan

0.58%

Difference

2.05

Expected Higher returns with Direct Fund

5 Yr

₹1,09,262

10 Yr

₹2,36,875

20 Yr

₹5,58,066

Get up to 1% more on Paytm Money with direct Mutual Funds

Quant Mid Cap Fund Direct-Growth

Mid Cap

Expense Ratio

Regular Plan

2.68%

Direct Plan

0.63%

Difference

2.05

Expected Higher returns with Direct Fund

5 Yr

₹1,09,478

10 Yr

₹2,37,926

20 Yr

₹5,63,304

Get up to 1% more on Paytm Money with direct Mutual Funds

Quant Focused Fund Direct-Growth

Large Cap

Expense Ratio

Regular Plan

2.62%

Direct Plan

0.57%

Difference

2.05

Expected Higher returns with Direct Fund

5 Yr

₹1,09,219

10 Yr

₹2,36,665

20 Yr

₹5,57,024

Get up to 1% more on Paytm Money with direct Mutual Funds

Quant Value Fund Direct - Growth

Value Oriented

Expense Ratio

Regular Plan

2.62%

Direct Plan

0.57%

Difference

2.05

Expected Higher returns with Direct Fund

5 Yr

₹1,09,219

10 Yr

₹2,36,665

20 Yr

₹5,57,024

Get up to 1% more on Paytm Money with direct Mutual Funds

Quant ESG Equity Fund Direct - Growth

Thematic-ESG

Expense Ratio

Regular Plan

2.69%

Direct Plan

0.64%

Difference

2.05

Expected Higher returns with Direct Fund

5 Yr

₹1,09,521

10 Yr

₹2,38,136

20 Yr

₹5,64,357

Get up to 1% more on Paytm Money with direct Mutual Funds

Updated as on date 28 Mar 2023

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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