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

The Wealth Company Flexi Cap Fund Direct - Growth

Flexi Cap

Expense Ratio

Regular Plan

3.26%

Direct Plan

1.20%

Difference

2.06

Expected Higher returns with Direct Fund

5 Yr

₹1,12,522

10 Yr

₹2,51,536

20 Yr

₹6,30,079

Get up to 1% more on Paytm Money with direct Mutual Funds

The Wealth Company Balanced Advantage Fund Direct - Growth

Dynamic Asset Allocation

Expense Ratio

Regular Plan

2.90%

Direct Plan

0.88%

Difference

2.02

Expected Higher returns with Direct Fund

5 Yr

₹1,08,876

10 Yr

₹2,39,357

20 Yr

₹5,79,842

Get up to 1% more on Paytm Money with direct Mutual Funds

The Wealth Company Large & Mid Cap Fund Direct-Growth

Large & MidCap

Expense Ratio

Regular Plan

2.47%

Direct Plan

0.46%

Difference

2.01

Expected Higher returns with Direct Fund

5 Yr

₹1,06,540

10 Yr

₹2,29,378

20 Yr

₹5,32,917

Get up to 1% more on Paytm Money with direct Mutual Funds

The Wealth Company Small Cap Fund Direct-Growth

Small Cap

Expense Ratio

Regular Plan

4.33%

Direct Plan

2.40%

Difference

1.93

Expected Higher returns with Direct Fund

5 Yr

₹1,10,178

10 Yr

₹2,60,239

20 Yr

₹7,27,509

Get up to 1% more on Paytm Money with direct Mutual Funds

Navi Aggressive Hybrid Fund Direct - Growth

Aggressive

Expense Ratio

Regular Plan

2.55%

Direct Plan

0.66%

Difference

1.89

Expected Higher returns with Direct Fund

5 Yr

₹1,00,731

10 Yr

₹2,18,347

20 Yr

₹5,14,063

Get up to 1% more on Paytm Money with direct Mutual Funds

Navi Large & Midcap Fund Direct-Growth

Large & MidCap

Expense Ratio

Regular Plan

2.53%

Direct Plan

0.65%

Difference

1.88

Expected Higher returns with Direct Fund

5 Yr

₹1,00,139

10 Yr

₹2,16,901

20 Yr

₹5,09,885

Get up to 1% more on Paytm Money with direct Mutual Funds

Navi Flexi Cap Fund Direct - Growth

Flexi Cap

Expense Ratio

Regular Plan

2.56%

Direct Plan

0.69%

Difference

1.87

Expected Higher returns with Direct Fund

5 Yr

₹99,744

10 Yr

₹2,16,415

20 Yr

₹5,10,475

Get up to 1% more on Paytm Money with direct Mutual Funds

Groww Banking & Financial Services Fund Direct - Growth

Banking

Expense Ratio

Regular Plan

3.01%

Direct Plan

1.15%

Difference

1.86

Expected Higher returns with Direct Fund

5 Yr

₹1,00,999

10 Yr

₹2,24,084

20 Yr

₹5,52,672

Get up to 1% more on Paytm Money with direct Mutual Funds

Shriram Multi Asset Allocation Fund Direct - Growth

Multi Asset Allocation

Expense Ratio

Regular Plan

2.48%

Direct Plan

0.62%

Difference

1.86

Expected Higher returns with Direct Fund

5 Yr

₹98,918

10 Yr

₹2,13,830

20 Yr

₹5,00,651

Get up to 1% more on Paytm Money with direct Mutual Funds

Groww Multicap Fund Direct-Growth

Multi Cap

Expense Ratio

Regular Plan

2.82%

Direct Plan

0.98%

Difference

1.84

Expected Higher returns with Direct Fund

5 Yr

₹99,209

10 Yr

₹2,18,177

20 Yr

₹5,28,655

Get up to 1% more on Paytm Money with direct Mutual Funds

Mirae Asset Infrastructure Fund Direct - Growth

Infrastructure

Expense Ratio

Regular Plan

2.67%

Direct Plan

0.83%

Difference

1.84

Expected Higher returns with Direct Fund

5 Yr

₹98,627

10 Yr

₹2,15,304

20 Yr

₹5,14,070

Get up to 1% more on Paytm Money with direct Mutual Funds

Shriram Balanced Advantage Fund Direct - Growth

Dynamic Asset Allocation

Expense Ratio

Regular Plan

2.57%

Direct Plan

0.75%

Difference

1.82

Expected Higher returns with Direct Fund

5 Yr

₹97,210

10 Yr

₹2,11,270

20 Yr

₹4,99,959

Get up to 1% more on Paytm Money with direct Mutual Funds

Baroda BNP Paribas Focused Fund Direct - Growth

Flexi Cap

Expense Ratio

Regular Plan

3.13%

Direct Plan

1.32%

Difference

1.81

Expected Higher returns with Direct Fund

5 Yr

₹98,842

10 Yr

₹2,20,851

20 Yr

₹5,52,372

Get up to 1% more on Paytm Money with direct Mutual Funds

Groww Multi Asset Allocation Fund Direct-Growth

Multi Asset Allocation

Expense Ratio

Regular Plan

2.74%

Direct Plan

0.95%

Difference

1.79

Expected Higher returns with Direct Fund

5 Yr

₹96,305

10 Yr

₹2,11,209

20 Yr

₹5,08,917

Get up to 1% more on Paytm Money with direct Mutual Funds

Groww Small Cap Fund Direct-Growth

Small Cap

Expense Ratio

Regular Plan

2.95%

Direct Plan

1.17%

Difference

1.78

Expected Higher returns with Direct Fund

5 Yr

₹96,578

10 Yr

₹2,14,050

20 Yr

₹5,26,727

Get up to 1% more on Paytm Money with direct Mutual Funds

TRUSTMF Mid Cap Fund Direct-Growth

Mid Cap

Expense Ratio

Regular Plan

3.69%

Direct Plan

1.91%

Difference

1.78

Expected Higher returns with Direct Fund

5 Yr

₹99,409

10 Yr

₹2,28,427

20 Yr

₹6,04,188

Get up to 1% more on Paytm Money with direct Mutual Funds

ITI Business Cycle Fund Direct-Growth

Business Cycle

Expense Ratio

Regular Plan

3.76%

Direct Plan

2.00%

Difference

1.76

Expected Higher returns with Direct Fund

5 Yr

₹98,598

10 Yr

₹2,27,442

20 Yr

₹6,06,233

Get up to 1% more on Paytm Money with direct Mutual Funds

WhiteOak Capital Digital Bharat Fund Direct-Growth

Technology

Expense Ratio

Regular Plan

3.37%

Direct Plan

1.62%

Difference

1.75

Expected Higher returns with Direct Fund

5 Yr

₹96,578

10 Yr

₹2,18,646

20 Yr

₹5,61,333

Get up to 1% more on Paytm Money with direct Mutual Funds

LIC MF Technology Fund Direct-Growth

Technology

Expense Ratio

Regular Plan

2.97%

Direct Plan

1.22%

Difference

1.75

Expected Higher returns with Direct Fund

5 Yr

₹95,080

10 Yr

₹2,11,086

20 Yr

₹5,21,157

Get up to 1% more on Paytm Money with direct Mutual Funds

Mahindra Manulife Innovation Opportunities Fund Direct-Growth

Innovation

Expense Ratio

Regular Plan

2.55%

Direct Plan

0.80%

Difference

1.75

Expected Higher returns with Direct Fund

5 Yr

₹93,525

10 Yr

₹2,03,400

20 Yr

₹4,81,913

Get up to 1% more on Paytm Money with direct Mutual Funds

Updated as on date14 Jul 2026

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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