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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
2.55%
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
2.52%
Direct Plan
0.31%
Difference
2.21
Expected Higher returns with Direct Fund
5 Yr
116,916
10 Yr
251,148
20 Yr
581,162
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
2.55%
Direct Plan
0.35%
Difference
2.20
Expected Higher returns with Direct Fund
5 Yr
116,547
10 Yr
250,786
20 Yr
582,300
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.51%
Direct Plan
0.31%
Difference
2.20
Expected Higher returns with Direct Fund
5 Yr
116,363
10 Yr
249,897
20 Yr
577,956
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.58%
Direct Plan
0.42%
Difference
2.16
Expected Higher returns with Direct Fund
5 Yr
114,653
10 Yr
247,307
20 Yr
576,947
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
2.66%
Direct Plan
0.53%
Difference
2.13
Expected Higher returns with Direct Fund
5 Yr
113,483
10 Yr
245,925
20 Yr
579,028
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.39%
Direct Plan
0.27%
Difference
2.12
Expected Higher returns with Direct Fund
5 Yr
111,777
10 Yr
239,082
20 Yr
548,394
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.55%
Direct Plan
0.43%
Difference
2.12
Expected Higher returns with Direct Fund
5 Yr
112,484
10 Yr
242,500
20 Yr
565,071
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.41%
Direct Plan
0.30%
Difference
2.11
Expected Higher returns with Direct Fund
5 Yr
111,359
10 Yr
238,480
20 Yr
548,338
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.58%
Direct Plan
0.50%
Difference
2.08
Expected Higher returns with Direct Fund
5 Yr
110,579
10 Yr
238,970
20 Yr
559,489
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.50%
Direct Plan
0.43%
Difference
2.07
Expected Higher returns with Direct Fund
5 Yr
109,722
10 Yr
236,242
20 Yr
549,011
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.38%
Direct Plan
0.32%
Difference
2.06
Expected Higher returns with Direct Fund
5 Yr
108,698
10 Yr
232,712
20 Yr
534,689
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.45%
Direct Plan
0.44%
Difference
2.01
Expected Higher returns with Direct Fund
5 Yr
106,456
10 Yr
228,972
20 Yr
530,926
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.29%
Direct Plan
0.29%
Difference
2.00
Expected Higher returns with Direct Fund
5 Yr
105,281
10 Yr
224,717
20 Yr
513,137
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
2.64%
Direct Plan
0.67%
Difference
1.97
Expected Higher returns with Direct Fund
5 Yr
105,204
10 Yr
228,619
20 Yr
541,082
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.40%
Direct Plan
0.43%
Difference
1.97
Expected Higher returns with Direct Fund
5 Yr
104,214
10 Yr
223,808
20 Yr
517,332
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
Updated as on date 14 Apr 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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