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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
2.63%
Direct Plan
0.38%
Difference
2.25
Expected Higher returns with Direct Fund
5 Yr
1,19,456
10 Yr
2,57,756
20 Yr
6,01,878
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.59%
Direct Plan
0.40%
Difference
2.19
Expected Higher returns with Direct Fund
5 Yr
1,16,223
10 Yr
2,50,641
20 Yr
5,84,519
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.66%
Direct Plan
0.51%
Difference
2.15
Expected Higher returns with Direct Fund
5 Yr
1,14,504
10 Yr
2,48,020
20 Yr
5,83,442
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.47%
Direct Plan
0.32%
Difference
2.15
Expected Higher returns with Direct Fund
5 Yr
1,13,650
10 Yr
2,43,878
20 Yr
5,63,067
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.45%
Direct Plan
0.30%
Difference
2.15
Expected Higher returns with Direct Fund
5 Yr
1,13,561
10 Yr
2,43,445
20 Yr
5,60,962
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
2.54%
Direct Plan
0.44%
Difference
2.10
Expected Higher returns with Direct Fund
5 Yr
1,11,423
10 Yr
2,40,207
20 Yr
5,59,675
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.48%
Direct Plan
0.38%
Difference
2.10
Expected Higher returns with Direct Fund
5 Yr
1,11,159
10 Yr
2,38,932
20 Yr
5,53,426
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.51%
Direct Plan
0.44%
Difference
2.07
Expected Higher returns with Direct Fund
5 Yr
1,09,765
10 Yr
2,36,452
20 Yr
5,50,039
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.36%
Direct Plan
0.30%
Difference
2.06
Expected Higher returns with Direct Fund
5 Yr
1,08,612
10 Yr
2,32,299
20 Yr
5,32,689
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
2.20%
Direct Plan
0.15%
Difference
2.05
Expected Higher returns with Direct Fund
5 Yr
1,07,425
10 Yr
2,28,006
20 Yr
5,14,886
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
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
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
2.50%
Direct Plan
0.46%
Difference
2.04
Expected Higher returns with Direct Fund
5 Yr
1,08,195
10 Yr
2,33,120
20 Yr
5,42,482
Get up to 1% more on Paytm Money with direct Mutual Funds
Updated as on date 05 Dec 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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