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 Focused Equity Fund Direct - Growth

Flexi Cap

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

Shriram Balanced Advantage Fund Direct - Growth

Dynamic Asset Allocation

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

Shriram Long Term Equity Fund Direct - Growth

ELSS

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

Franklin India Balanced Advantage Fund Direct - Growth

Dynamic Asset Allocation

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

ITI Flexi Cap Fund Direct - Growth

Flexi Cap

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

Navi Large & Midcap Fund Direct-Growth

Large & MidCap

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

ITI Mid Cap Fund Direct - Growth

Mid Cap

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

ITI Pharma and Healthcare Fund Direct - Growth

Pharma

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

ITI Large Cap Fund Direct - Growth

Large Cap

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

ITI Banking and Financial Services Fund Direct - Growth

Banking

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

Shriram Flexi Cap Fund Direct - Growth

Flexi Cap

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

JM Midcap Fund Direct - Growth

Mid Cap

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

Kotak Banking & Financial Services Fund Direct - Growth

Banking

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

ITI Value Fund Direct - Growth

Value Oriented

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

Navi Flexi Cap Fund Direct - Growth

Flexi Cap

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

Navi Equity Hybrid Fund Direct - Growth

Aggressive

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

Baroda BNP Paribas Multi Asset Fund Direct - Growth

Multi Asset Allocation

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

ITI Multi Cap Fund Direct - Growth

Multi Cap

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

Baroda BNP Paribas Flexi Cap Fund Direct - Growth

Flexi Cap

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

ITI Long Term Equity Fund Direct - Growth

ELSS

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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