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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
2.33%
Direct Plan
0.33%
Difference
2.00
Expected Higher returns with Direct Fund
5 Yr
1,05,447
10 Yr
2,25,517
20 Yr
5,16,999
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
2.55%
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
2.06%
Direct Plan
0.11%
Difference
1.95
Expected Higher returns with Direct Fund
5 Yr
1,01,819
10 Yr
2,15,129
20 Yr
4,81,295
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.34%
Direct Plan
0.39%
Difference
1.95
Expected Higher returns with Direct Fund
5 Yr
1,02,952
10 Yr
2,20,550
20 Yr
5,07,252
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.26%
Direct Plan
0.35%
Difference
1.91
Expected Higher returns with Direct Fund
5 Yr
1,00,601
10 Yr
2,14,869
20 Yr
4,91,187
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
2.34%
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
2.34%
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
2.55%
Direct Plan
0.65%
Difference
1.90
Expected Higher returns with Direct Fund
5 Yr
1,01,245
10 Yr
2,19,408
20 Yr
5,16,327
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.31%
Direct Plan
0.41%
Difference
1.90
Expected Higher returns with Direct Fund
5 Yr
1,00,292
10 Yr
2,14,788
20 Yr
4,93,651
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.28%
Direct Plan
0.38%
Difference
1.90
Expected Higher returns with Direct Fund
5 Yr
1,00,173
10 Yr
2,14,216
20 Yr
4,90,884
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.35%
Direct Plan
0.46%
Difference
1.89
Expected Higher returns with Direct Fund
5 Yr
99,941
10 Yr
2,14,510
20 Yr
4,95,184
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.29%
Direct Plan
0.43%
Difference
1.86
Expected Higher returns with Direct Fund
5 Yr
98,179
10 Yr
2,10,257
20 Yr
4,83,158
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.28%
Direct Plan
0.42%
Difference
1.86
Expected Higher returns with Direct Fund
5 Yr
98,141
10 Yr
2,10,070
20 Yr
4,82,254
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.07%
Direct Plan
0.22%
Difference
1.85
Expected Higher returns with Direct Fund
5 Yr
96,826
10 Yr
2,05,166
20 Yr
4,61,544
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.31%
Direct Plan
0.50%
Difference
1.81
Expected Higher returns with Direct Fund
5 Yr
95,709
10 Yr
2,05,412
20 Yr
4,74,030
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.04%
Direct Plan
0.23%
Difference
1.81
Expected Higher returns with Direct Fund
5 Yr
94,694
10 Yr
2,00,543
20 Yr
4,50,626
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.30%
Direct Plan
0.50%
Difference
1.80
Expected Higher returns with Direct Fund
5 Yr
95,161
10 Yr
2,04,185
20 Yr
4,70,946
Get up to 1% more on Paytm Money with direct Mutual Funds
Updated as on date 28 Sep 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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