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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
2.60%
Direct Plan
0.20%
Difference
2.40
Expected Higher returns with Direct Fund
5 Yr
1,26,897
10 Yr
2,72,447
20 Yr
6,30,118
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.62%
Direct Plan
0.32%
Difference
2.30
Expected Higher returns with Direct Fund
5 Yr
1,21,943
10 Yr
2,62,685
20 Yr
6,11,430
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.62%
Direct Plan
0.32%
Difference
2.30
Expected Higher returns with Direct Fund
5 Yr
1,21,943
10 Yr
2,62,685
20 Yr
6,11,430
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.61%
Direct Plan
0.31%
Difference
2.30
Expected Higher returns with Direct Fund
5 Yr
1,21,895
10 Yr
2,62,452
20 Yr
6,10,287
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.57%
Direct Plan
0.32%
Difference
2.25
Expected Higher returns with Direct Fund
5 Yr
1,19,174
10 Yr
2,56,388
20 Yr
5,95,159
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.55%
Direct Plan
0.30%
Difference
2.25
Expected Higher returns with Direct Fund
5 Yr
1,19,080
10 Yr
2,55,934
20 Yr
5,92,936
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
1,17,054
10 Yr
2,51,817
20 Yr
5,84,435
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.64%
Direct Plan
0.44%
Difference
2.20
Expected Higher returns with Direct Fund
5 Yr
1,16,961
10 Yr
2,52,794
20 Yr
5,92,186
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.33%
Direct Plan
0.15%
Difference
2.18
Expected Higher returns with Direct Fund
5 Yr
1,14,534
10 Yr
2,43,909
20 Yr
5,54,678
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.47%
Direct Plan
0.32%
Difference
2.15
Expected Higher returns with Direct Fund
5 Yr
1,13,650
10 Yr
2,43,878
20 Yr
5,63,067
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.53%
Direct Plan
0.38%
Difference
2.15
Expected Higher returns with Direct Fund
5 Yr
1,13,919
10 Yr
2,45,179
20 Yr
5,69,427
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.65%
Direct Plan
0.50%
Difference
2.15
Expected Higher returns with Direct Fund
5 Yr
1,14,459
10 Yr
2,47,801
20 Yr
5,82,353
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.43%
Direct Plan
0.33%
Difference
2.10
Expected Higher returns with Direct Fund
5 Yr
1,10,940
10 Yr
2,37,874
20 Yr
5,48,269
Get up to 1% more on Paytm Money with direct Mutual Funds
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
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
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
Expense Ratio
Regular Plan
2.61%
Direct Plan
0.56%
Difference
2.05
Expected Higher returns with Direct Fund
5 Yr
1,09,176
10 Yr
2,36,456
20 Yr
5,55,984
Get up to 1% more on Paytm Money with direct Mutual Funds
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
Expense Ratio
Regular Plan
2.24%
Direct Plan
0.20%
Difference
2.04
Expected Higher returns with Direct Fund
5 Yr
1,07,091
10 Yr
2,27,801
20 Yr
5,16,690
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.26%
Direct Plan
0.22%
Difference
2.04
Expected Higher returns with Direct Fund
5 Yr
1,07,175
10 Yr
2,28,206
20 Yr
5,18,632
Get up to 1% more on Paytm Money with direct Mutual Funds
Updated as on date 19 Jan 2022
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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