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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
2.61%
Direct Plan
0.22%
Difference
2.39
Expected Higher returns with Direct Fund
5 Yr
126,443
10 Yr
271,669
20 Yr
629,215
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
114,337
10 Yr
245,777
20 Yr
569,439
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.56%
Direct Plan
0.45%
Difference
2.11
Expected Higher returns with Direct Fund
5 Yr
112,020
10 Yr
241,675
20 Yr
563,953
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.49%
Direct Plan
0.40%
Difference
2.09
Expected Higher returns with Direct Fund
5 Yr
110,695
10 Yr
238,108
20 Yr
552,307
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.40%
Direct Plan
0.31%
Difference
2.09
Expected Higher returns with Direct Fund
5 Yr
110,303
10 Yr
236,214
20 Yr
543,077
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.35%
Direct Plan
0.30%
Difference
2.05
Expected Higher returns with Direct Fund
5 Yr
108,063
10 Yr
231,066
20 Yr
529,576
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
109,435
10 Yr
237,715
20 Yr
562,252
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.37%
Direct Plan
0.37%
Difference
2.00
Expected Higher returns with Direct Fund
5 Yr
105,614
10 Yr
226,319
20 Yr
520,888
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
2.44%
Direct Plan
0.45%
Difference
1.99
Expected Higher returns with Direct Fund
5 Yr
105,397
10 Yr
226,688
20 Yr
525,585
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
2.73%
Direct Plan
0.78%
Difference
1.95
Expected Higher returns with Direct Fund
5 Yr
104,545
10 Yr
228,304
20 Yr
545,624
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
2.54%
Direct Plan
0.60%
Difference
1.94
Expected Higher returns with Direct Fund
5 Yr
103,255
10 Yr
223,442
20 Yr
524,360
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.56%
Direct Plan
0.63%
Difference
1.93
Expected Higher returns with Direct Fund
5 Yr
102,824
10 Yr
222,781
20 Yr
524,073
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.10%
Direct Plan
0.18%
Difference
1.92
Expected Higher returns with Direct Fund
5 Yr
100,471
10 Yr
212,851
20 Yr
478,734
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.50%
Direct Plan
0.58%
Difference
1.92
Expected Higher returns with Direct Fund
5 Yr
102,069
10 Yr
220,547
20 Yr
515,996
Get up to 1% more on Paytm Money with direct Mutual Funds
Expense Ratio
Regular Plan
2.50%
Direct Plan
0.58%
Difference
1.92
Expected Higher returns with Direct Fund
5 Yr
102,069
10 Yr
220,547
20 Yr
515,996
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 22 Feb 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, Reliance 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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