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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
0.60%
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
2.30%
Direct Plan
0.35%
Difference
1.95
Expected Higher returns with Direct Fund
5 Yr
1,02,790
10 Yr
2,19,769
20 Yr
5,03,464
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.34%
Direct Plan
0.41%
Difference
1.93
Expected Higher returns with Direct Fund
5 Yr
1,01,936
10 Yr
2,18,477
20 Yr
5,02,937
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.34%
Direct Plan
0.41%
Difference
1.93
Expected Higher returns with Direct Fund
5 Yr
1,01,936
10 Yr
2,18,477
20 Yr
5,02,937
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
0.44%
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
2.31%
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
2.34%
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
2.32%
Direct Plan
0.43%
Difference
1.89
Expected Higher returns with Direct Fund
5 Yr
99,823
10 Yr
2,13,940
20 Yr
4,92,409
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
2.04%
Direct Plan
0.18%
Difference
1.86
Expected Higher returns with Direct Fund
5 Yr
97,214
10 Yr
2,05,636
20 Yr
4,61,023
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
2.06%
Direct Plan
0.21%
Difference
1.85
Expected Higher returns with Direct Fund
5 Yr
96,787
10 Yr
2,04,984
20 Yr
4,60,678
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
Expense Ratio
Regular Plan
2.36%
Direct Plan
0.56%
Difference
1.80
Expected Higher returns with Direct Fund
5 Yr
95,387
10 Yr
2,05,275
20 Yr
4,76,266
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.29%
Direct Plan
0.50%
Difference
1.79
Expected Higher returns with Direct Fund
5 Yr
94,614
10 Yr
2,02,958
20 Yr
4,67,868
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.31%
Direct Plan
0.53%
Difference
1.78
Expected Higher returns with Direct Fund
5 Yr
94,178
10 Yr
2,02,271
20 Yr
4,67,414
Get up to 1% more on Paytm Money with direct Mutual Funds
Updated as on date 04 Mar 2024
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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