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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
0.30%
Difference
2.25
Expected Higher returns with Direct Fund
5 Yr
119,080
10 Yr
255,934
20 Yr
592,936
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.40%
Direct Plan
0.18%
Difference
2.22
Expected Higher returns with Direct Fund
5 Yr
116,867
10 Yr
249,504
20 Yr
570,315
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.29%
Direct Plan
0.08%
Difference
2.21
Expected Higher returns with Direct Fund
5 Yr
115,859
10 Yr
246,070
20 Yr
556,641
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
2.53%
Direct Plan
0.43%
Difference
2.10
Expected Higher returns with Direct Fund
5 Yr
111,379
10 Yr
239,994
20 Yr
558,629
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.40%
Direct Plan
0.32%
Difference
2.08
Expected Higher returns with Direct Fund
5 Yr
109,797
10 Yr
235,185
20 Yr
540,954
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.47%
Direct Plan
0.44%
Difference
2.03
Expected Higher returns with Direct Fund
5 Yr
107,559
10 Yr
231,461
20 Yr
537,273
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.40%
Direct Plan
0.40%
Difference
2.00
Expected Higher returns with Direct Fund
5 Yr
105,739
10 Yr
226,922
20 Yr
523,823
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
2.14%
Direct Plan
0.17%
Difference
1.97
Expected Higher returns with Direct Fund
5 Yr
103,149
10 Yr
218,698
20 Yr
492,719
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.46%
Direct Plan
0.51%
Difference
1.95
Expected Higher returns with Direct Fund
5 Yr
103,440
10 Yr
222,911
20 Yr
518,778
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
Expense Ratio
Regular Plan
2.72%
Direct Plan
0.78%
Difference
1.94
Expected Higher returns with Direct Fund
5 Yr
103,989
10 Yr
227,030
20 Yr
542,290
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.23%
Direct Plan
0.30%
Difference
1.93
Expected Higher returns with Direct Fund
5 Yr
101,494
10 Yr
216,353
20 Yr
492,674
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.51%
Direct Plan
0.58%
Difference
1.93
Expected Higher returns with Direct Fund
5 Yr
102,621
10 Yr
221,796
20 Yr
519,197
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.48%
Direct Plan
0.57%
Difference
1.91
Expected Higher returns with Direct Fund
5 Yr
101,478
10 Yr
219,104
20 Yr
511,844
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.48%
Direct Plan
0.57%
Difference
1.91
Expected Higher returns with Direct Fund
5 Yr
101,478
10 Yr
219,104
20 Yr
511,844
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.48%
Direct Plan
0.57%
Difference
1.91
Expected Higher returns with Direct Fund
5 Yr
101,478
10 Yr
219,104
20 Yr
511,844
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.48%
Direct Plan
0.57%
Difference
1.91
Expected Higher returns with Direct Fund
5 Yr
101,478
10 Yr
219,104
20 Yr
511,844
Get up to 1% more on Paytm Money with direct Mutual Funds
Updated as on date 06 Jun 2020
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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