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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
0.38%
Difference
2.22
Expected Higher returns with Direct Fund
5 Yr
1,17,793
10 Yr
2,53,971
20 Yr
5,92,080
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.52%
Direct Plan
0.30%
Difference
2.22
Expected Higher returns with Direct Fund
5 Yr
1,17,422
10 Yr
2,52,176
20 Yr
5,83,281
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.53%
Direct Plan
0.34%
Difference
2.19
Expected Higher returns with Direct Fund
5 Yr
1,15,948
10 Yr
2,49,311
20 Yr
5,77,993
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.54%
Direct Plan
0.39%
Difference
2.15
Expected Higher returns with Direct Fund
5 Yr
1,13,964
10 Yr
2,45,397
20 Yr
5,70,494
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.53%
Direct Plan
0.39%
Difference
2.14
Expected Higher returns with Direct Fund
5 Yr
1,13,412
10 Yr
2,44,144
20 Yr
5,67,276
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.64%
Direct Plan
0.50%
Difference
2.14
Expected Higher returns with Direct Fund
5 Yr
1,13,904
10 Yr
2,46,536
20 Yr
5,79,068
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.50%
Direct Plan
0.36%
Difference
2.14
Expected Higher returns with Direct Fund
5 Yr
1,13,278
10 Yr
2,43,495
20 Yr
5,64,100
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.44%
Direct Plan
0.33%
Difference
2.11
Expected Higher returns with Direct Fund
5 Yr
1,11,491
10 Yr
2,39,116
20 Yr
5,51,428
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.50%
Direct Plan
0.42%
Difference
2.08
Expected Higher returns with Direct Fund
5 Yr
1,10,231
10 Yr
2,37,281
20 Yr
5,51,178
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.39%
Direct Plan
0.31%
Difference
2.08
Expected Higher returns with Direct Fund
5 Yr
1,09,753
10 Yr
2,34,977
20 Yr
5,39,942
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.37%
Direct Plan
0.30%
Difference
2.07
Expected Higher returns with Direct Fund
5 Yr
1,09,161
10 Yr
2,33,533
20 Yr
5,35,807
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.21%
Direct Plan
0.14%
Difference
2.07
Expected Higher returns with Direct Fund
5 Yr
1,08,473
10 Yr
2,30,236
20 Yr
5,19,969
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.37%
Direct Plan
0.30%
Difference
2.07
Expected Higher returns with Direct Fund
5 Yr
1,09,161
10 Yr
2,33,533
20 Yr
5,35,807
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
2.62%
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
2.63%
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
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
2.69%
Direct Plan
0.64%
Difference
2.05
Expected Higher returns with Direct Fund
5 Yr
1,09,521
10 Yr
2,38,136
20 Yr
5,64,357
Get up to 1% more on Paytm Money with direct Mutual Funds
Updated as on date 28 Mar 2023
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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