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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
2.62%
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
2.57%
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
2.57%
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
2.57%
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
2.58%
Direct Plan
0.38%
Difference
2.20
Expected Higher returns with Direct Fund
5 Yr
1,16,685
10 Yr
2,51,454
20 Yr
5,85,578
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.52%
Direct Plan
0.32%
Difference
2.20
Expected Higher returns with Direct Fund
5 Yr
1,16,409
10 Yr
2,50,119
20 Yr
5,79,039
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
1,16,363
10 Yr
2,49,897
20 Yr
5,77,956
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.51%
Direct Plan
0.35%
Difference
2.16
Expected Higher returns with Direct Fund
5 Yr
1,14,337
10 Yr
2,45,777
20 Yr
5,69,439
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
2.59%
Direct Plan
0.44%
Difference
2.15
Expected Higher returns with Direct Fund
5 Yr
1,14,189
10 Yr
2,46,487
20 Yr
5,75,856
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.53%
Direct Plan
0.44%
Difference
2.09
Expected Higher returns with Direct Fund
5 Yr
1,10,870
10 Yr
2,38,954
20 Yr
5,56,457
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.26%
Direct Plan
0.19%
Difference
2.07
Expected Higher returns with Direct Fund
5 Yr
1,08,688
10 Yr
2,31,262
20 Yr
5,24,870
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.40%
Direct Plan
0.34%
Difference
2.06
Expected Higher returns with Direct Fund
5 Yr
1,08,783
10 Yr
2,33,125
20 Yr
5,36,696
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
2.68%
Direct Plan
0.63%
Difference
2.05
Expected Higher returns with Direct Fund
5 Yr
1,09,478
10 Yr
2,37,926
20 Yr
5,63,304
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
2.67%
Direct Plan
0.62%
Difference
2.05
Expected Higher returns with Direct Fund
5 Yr
1,09,435
10 Yr
2,37,715
20 Yr
5,62,252
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
Updated as on date 02 Jul 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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