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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
2.49%
Direct Plan
0.13%
Difference
2.36
Expected Higher returns with Direct Fund
5 Yr
124,339
10 Yr
265,759
20 Yr
609,098
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
2.51%
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
2.59%
Direct Plan
0.41%
Difference
2.18
Expected Higher returns with Direct Fund
5 Yr
115,715
10 Yr
249,604
20 Yr
582,359
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
2.39%
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
2.53%
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
2.61%
Direct Plan
0.53%
Difference
2.08
Expected Higher returns with Direct Fund
5 Yr
110,709
10 Yr
239,606
20 Yr
562,636
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.25%
Direct Plan
0.19%
Difference
2.06
Expected Higher returns with Direct Fund
5 Yr
108,141
10 Yr
230,040
20 Yr
521,815
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.40%
Direct Plan
0.38%
Difference
2.02
Expected Higher returns with Direct Fund
5 Yr
106,754
10 Yr
228,994
20 Yr
528,130
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.40%
Direct Plan
0.39%
Difference
2.01
Expected Higher returns with Direct Fund
5 Yr
106,247
10 Yr
227,958
20 Yr
525,979
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
2.60%
Direct Plan
0.61%
Difference
1.99
Expected Higher returns with Direct Fund
5 Yr
106,063
10 Yr
229,926
20 Yr
541,552
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.38%
Direct Plan
0.40%
Difference
1.98
Expected Higher returns with Direct Fund
5 Yr
104,640
10 Yr
224,449
20 Yr
517,558
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.68%
Direct Plan
0.72%
Difference
1.96
Expected Higher returns with Direct Fund
5 Yr
104,855
10 Yr
228,364
20 Yr
542,849
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
Expense Ratio
Regular Plan
2.50%
Direct Plan
0.55%
Difference
1.95
Expected Higher returns with Direct Fund
5 Yr
103,604
10 Yr
223,703
20 Yr
522,674
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
2.73%
Direct Plan
0.79%
Difference
1.94
Expected Higher returns with Direct Fund
5 Yr
104,030
10 Yr
227,231
20 Yr
543,303
Get up to 1% more on Paytm Money with direct Mutual Funds
Updated as on date 17 Jan 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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