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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
0.27%
Difference
2.35
Expected Higher returns with Direct Fund
5 Yr
124,473
10 Yr
267,819
20 Yr
622,005
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.56%
Direct Plan
0.31%
Difference
2.25
Expected Higher returns with Direct Fund
5 Yr
119,127
10 Yr
256,161
20 Yr
594,046
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.56%
Direct Plan
0.31%
Difference
2.25
Expected Higher returns with Direct Fund
5 Yr
119,127
10 Yr
256,161
20 Yr
594,046
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.55%
Direct Plan
0.31%
Difference
2.24
Expected Higher returns with Direct Fund
5 Yr
118,574
10 Yr
254,906
20 Yr
590,816
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.55%
Direct Plan
0.34%
Difference
2.21
Expected Higher returns with Direct Fund
5 Yr
117,054
10 Yr
251,817
20 Yr
584,435
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
116,685
10 Yr
251,454
20 Yr
585,578
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.63%
Direct Plan
0.48%
Difference
2.15
Expected Higher returns with Direct Fund
5 Yr
114,369
10 Yr
247,362
20 Yr
580,179
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.58%
Direct Plan
0.43%
Difference
2.15
Expected Higher returns with Direct Fund
5 Yr
114,144
10 Yr
246,268
20 Yr
574,779
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.55%
Direct Plan
0.42%
Difference
2.13
Expected Higher returns with Direct Fund
5 Yr
112,993
10 Yr
243,539
20 Yr
567,239
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.48%
Direct Plan
0.40%
Difference
2.08
Expected Higher returns with Direct Fund
5 Yr
110,144
10 Yr
236,861
20 Yr
549,119
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.32%
Direct Plan
0.28%
Difference
2.04
Expected Higher returns with Direct Fund
5 Yr
107,430
10 Yr
229,426
20 Yr
524,500
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.49%
Direct Plan
0.48%
Difference
2.01
Expected Higher returns with Direct Fund
5 Yr
106,624
10 Yr
229,786
20 Yr
534,915
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.37%
Direct Plan
0.36%
Difference
2.01
Expected Higher returns with Direct Fund
5 Yr
106,121
10 Yr
227,352
20 Yr
523,032
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
2.23%
Direct Plan
0.24%
Difference
1.99
Expected Higher returns with Direct Fund
5 Yr
104,527
10 Yr
222,501
20 Yr
505,305
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.46%
Direct Plan
0.50%
Difference
1.96
Expected Higher returns with Direct Fund
5 Yr
103,951
10 Yr
223,957
20 Yr
520,978
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.36%
Direct Plan
0.40%
Difference
1.96
Expected Higher returns with Direct Fund
5 Yr
103,541
10 Yr
221,979
20 Yr
511,316
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
102,911
10 Yr
220,355
20 Yr
506,303
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.40%
Direct Plan
0.45%
Difference
1.95
Expected Higher returns with Direct Fund
5 Yr
103,196
10 Yr
221,728
20 Yr
512,984
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
Updated as on date 14 Jun 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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