HDFC Mutual Funds Direct v/s Regular Plans

HDFC Mutual fund schemes are available as Direct Plans and Regular Plans. 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

HDFC Pharma And Healthcare Fund Direct - Growth

Pharma

Expense Ratio

Regular Plan

2.11%

Direct Plan

1.02%

Difference

1.09

Expected Higher returns with Direct Fund

5 Yr

₹57,995

10 Yr

₹1,25,392

20 Yr

₹2,93,296

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

HDFC Innovation Fund Direct-Growth

Innovation

Expense Ratio

Regular Plan

2.09%

Direct Plan

1.02%

Difference

1.07

Expected Higher returns with Direct Fund

5 Yr

₹56,909

10 Yr

₹1,22,981

20 Yr

₹2,87,359

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

HDFC Dividend Yield Fund Direct - Growth

Dividend Yield

Expense Ratio

Regular Plan

1.92%

Direct Plan

0.88%

Difference

1.04

Expected Higher returns with Direct Fund

5 Yr

₹54,976

10 Yr

₹1,17,899

20 Yr

₹2,71,290

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

HDFC Technology Fund Direct - Growth

Technology

Expense Ratio

Regular Plan

2.14%

Direct Plan

1.10%

Difference

1.04

Expected Higher returns with Direct Fund

5 Yr

₹55,455

10 Yr

₹1,20,221

20 Yr

₹2,82,693

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

HDFC Banking & Financial Services Fund Direct - Growth

Banking

Expense Ratio

Regular Plan

1.99%

Direct Plan

0.96%

Difference

1.03

Expected Higher returns with Direct Fund

5 Yr

₹54,609

10 Yr

₹1,17,544

20 Yr

₹2,72,475

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

HDFC MNC Fund Direct - Growth

MNC

Expense Ratio

Regular Plan

2.88%

Direct Plan

1.85%

Difference

1.03

Expected Higher returns with Direct Fund

5 Yr

₹56,550

10 Yr

₹1,27,154

20 Yr

₹3,21,641

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

HDFC Non-Cyclical Consumer Fund Direct - Growth

Consumption & Demand

Expense Ratio

Regular Plan

2.42%

Direct Plan

1.40%

Difference

1.02

Expected Higher returns with Direct Fund

5 Yr

₹55,012

10 Yr

₹1,20,971

20 Yr

₹2,92,663

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

HDFC Retirement Fund - Hybrid Equity Plan Direct-Growth

Aggressive

Expense Ratio

Regular Plan

2.13%

Direct Plan

1.12%

Difference

1.01

Expected Higher returns with Direct Fund

5 Yr

₹53,866

10 Yr

₹1,16,803

20 Yr

₹2,74,772

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

HDFC Multi Asset Allocation Fund Direct-Growth

Multi Asset Allocation

Expense Ratio

Regular Plan

2.02%

Direct Plan

1.01%

Difference

1.01

Expected Higher returns with Direct Fund

5 Yr

₹53,633

10 Yr

₹1,15,670

20 Yr

₹2,69,176

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

HDFC Transportation and Logistics Fund Direct - Growth

Auto & Transportation

Expense Ratio

Regular Plan

2.16%

Direct Plan

1.16%

Difference

1.00

Expected Higher returns with Direct Fund

5 Yr

₹53,406

10 Yr

₹1,16,005

20 Yr

₹2,73,829

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

HDFC Asset Allocator FoF Direct - Growth

Multi Asset Allocation

Expense Ratio

Regular Plan

1.12%

Direct Plan

0.14%

Difference

0.98

Expected Higher returns with Direct Fund

5 Yr

₹50,248

10 Yr

₹1,03,728

20 Yr

₹2,21,138

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

HDFC Business Cycle Fund Direct - Growth

Business Cycle

Expense Ratio

Regular Plan

2.13%

Direct Plan

1.15%

Difference

0.98

Expected Higher returns with Direct Fund

5 Yr

₹52,296

10 Yr

₹1,13,482

20 Yr

₹2,67,337

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

HDFC Retirement Fund - Hybrid Debt Plan Direct-Growth

Conservative

Expense Ratio

Regular Plan

2.34%

Direct Plan

1.36%

Difference

0.98

Expected Higher returns with Direct Fund

5 Yr

₹52,730

10 Yr

₹1,15,610

20 Yr

₹2,78,027

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

HDFC Retirement Fund - Equity Plan Direct-Growth

Flexi Cap

Expense Ratio

Regular Plan

1.87%

Direct Plan

0.91%

Difference

0.96

Expected Higher returns with Direct Fund

5 Yr

₹50,727

10 Yr

₹1,08,728

20 Yr

₹2,49,898

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

HDFC Diversified Equity All Cap Active FoF Direct - Growth

Flexi Cap

Expense Ratio

Regular Plan

1.25%

Direct Plan

0.30%

Difference

0.95

Expected Higher returns with Direct Fund

5 Yr

₹48,991

10 Yr

₹1,01,862

20 Yr

₹2,20,296

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

HDFC Defence Fund Direct - Growth

Themed

Expense Ratio

Regular Plan

1.80%

Direct Plan

0.90%

Difference

0.90

Expected Higher returns with Direct Fund

5 Yr

₹47,481

10 Yr

₹1,01,568

20 Yr

₹2,32,493

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

HDFC Manufacturing Fund Direct - Growth

Manufacturing

Expense Ratio

Regular Plan

1.86%

Direct Plan

0.96%

Difference

0.90

Expected Higher returns with Direct Fund

5 Yr

₹47,594

10 Yr

₹1,02,110

20 Yr

₹2,35,122

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

HDFC Equity Savings Direct Plan-Growth

Equity Savings

Expense Ratio

Regular Plan

2.20%

Direct Plan

1.30%

Difference

0.90

Expected Higher returns with Direct Fund

5 Yr

₹48,235

10 Yr

₹1,05,233

20 Yr

₹2,50,559

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

HDFC Focused 30 Fund Direct Plan-Growth

Focused

Expense Ratio

Regular Plan

1.71%

Direct Plan

0.83%

Difference

0.88

Expected Higher returns with Direct Fund

5 Yr

₹46,279

10 Yr

₹98,607

20 Yr

₹2,23,931

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

HDFC Infrastructure Direct Plan-Growth

Infrastructure

Expense Ratio

Regular Plan

2.20%

Direct Plan

1.33%

Difference

0.87

Expected Higher returns with Direct Fund

5 Yr

₹46,655

10 Yr

₹1,01,859

20 Yr

₹2,42,868

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

Know more about HDFC Funds

Updated as on date11 Nov 2026

About HDFC Mutual Fund

HDFC Mutual Fund has been providing mutual funds under different investment categories over the years. Investors should look at a longer horizon / time period while investing in mutual funds for wealth creation and secure their financial freedom. At Paytm Money, you can invest in Direct Mutual Funds ofHDFC Mutual Fund to earn higher returns on investment when compared to regular plans.

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. HDFC Mutual Fund Direct Plans are available for all kinds of mutual funds namely.

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