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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HDFC Mutual Fund

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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 Innovation Fund Direct-Growth

Innovation

Expense Ratio

Regular Plan

2.09%

Direct Plan

0.97%

Difference

1.12

Expected Higher returns with Direct Fund

5 Yr

₹59,510

10 Yr

₹1,28,447

20 Yr

₹2,99,429

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

1.31%

Difference

1.11

Expected Higher returns with Direct Fund

5 Yr

₹59,761

10 Yr

₹1,31,130

20 Yr

₹3,15,909

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

HDFC Pharma And Healthcare Fund Direct - Growth

Pharma

Expense Ratio

Regular Plan

2.23%

Direct Plan

1.15%

Difference

1.08

Expected Higher returns with Direct Fund

5 Yr

₹57,747

10 Yr

₹1,25,624

20 Yr

₹2,97,466

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

HDFC Technology Fund Direct - Growth

Technology

Expense Ratio

Regular Plan

2.19%

Direct Plan

1.11%

Difference

1.08

Expected Higher returns with Direct Fund

5 Yr

₹57,656

10 Yr

₹1,25,180

20 Yr

₹2,95,251

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

2.13%

Direct Plan

1.07%

Difference

1.06

Expected Higher returns with Direct Fund

5 Yr

₹56,477

10 Yr

₹1,22,318

20 Yr

₹2,87,071

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

HDFC MNC Fund Direct - Growth

MNC

Expense Ratio

Regular Plan

3.04%

Direct Plan

2.01%

Difference

1.03

Expected Higher returns with Direct Fund

5 Yr

₹56,904

10 Yr

₹1,28,954

20 Yr

₹3,31,327

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

HDFC Dividend Yield Fund Direct - Growth

Dividend Yield

Expense Ratio

Regular Plan

1.86%

Direct Plan

0.85%

Difference

1.01

Expected Higher returns with Direct Fund

5 Yr

₹53,295

10 Yr

₹1,14,040

20 Yr

₹2,61,230

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

HDFC Retirement Savings 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 Banking & Financial Services Fund Direct - Growth

Banking

Expense Ratio

Regular Plan

1.95%

Direct Plan

0.95%

Difference

1.00

Expected Higher returns with Direct Fund

5 Yr

₹52,966

10 Yr

₹1,13,866

20 Yr

₹2,63,281

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

HDFC Multi Asset Fund Direct-Growth

Multi Asset Allocation

Expense Ratio

Regular Plan

2.03%

Direct Plan

1.04%

Difference

0.99

Expected Higher returns with Direct Fund

5 Yr

₹52,612

10 Yr

₹1,13,579

20 Yr

₹2,64,821

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

HDFC Business Cycle Fund Direct - Growth

Business Cycle

Expense Ratio

Regular Plan

2.17%

Direct Plan

1.19%

Difference

0.98

Expected Higher returns with Direct Fund

5 Yr

₹52,379

10 Yr

₹1,13,885

20 Yr

₹2,69,343

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

HDFC Retirement Savings Fund - Hybrid Debt Plan Direct-Growth

Conservative

Expense Ratio

Regular Plan

2.35%

Direct Plan

1.37%

Difference

0.98

Expected Higher returns with Direct Fund

5 Yr

₹52,751

10 Yr

₹1,15,712

20 Yr

₹2,78,547

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

1.10%

Direct Plan

0.14%

Difference

0.96

Expected Higher returns with Direct Fund

5 Yr

₹49,203

10 Yr

₹1,01,519

20 Yr

₹2,16,205

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

HDFC Retirement Savings Fund Equity Plan Direct-Growth

Flexi Cap

Expense Ratio

Regular Plan

1.90%

Direct Plan

0.96%

Difference

0.94

Expected Higher returns with Direct Fund

5 Yr

₹49,748

10 Yr

₹1,06,840

20 Yr

₹2,46,519

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

1.23%

Direct Plan

0.29%

Difference

0.94

Expected Higher returns with Direct Fund

5 Yr

₹48,447

10 Yr

₹1,00,654

20 Yr

₹2,17,355

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

0.87%

Difference

0.93

Expected Higher returns with Direct Fund

5 Yr

₹49,035

10 Yr

₹1,04,816

20 Yr

₹2,39,587

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

HDFC Manufacturing Fund Direct - Growth

Manufacturing

Expense Ratio

Regular Plan

1.82%

Direct Plan

0.89%

Difference

0.93

Expected Higher returns with Direct Fund

5 Yr

₹49,074

10 Yr

₹1,05,002

20 Yr

₹2,40,487

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

HDFC Focused 30 Fund Direct Plan-Growth

Flexi Cap

Expense Ratio

Regular Plan

1.67%

Direct Plan

0.78%

Difference

0.89

Expected Higher returns with Direct Fund

5 Yr

₹46,722

10 Yr

₹99,330

20 Yr

₹2,24,577

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

HDFC Equity Savings Direct Plan-Growth

Equity Savings

Expense Ratio

Regular Plan

2.15%

Direct Plan

1.27%

Difference

0.88

Expected Higher returns with Direct Fund

5 Yr

₹47,089

10 Yr

₹1,02,530

20 Yr

₹2,43,156

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

HDFC Infrastructure Direct Plan-Growth

Infrastructure

Expense Ratio

Regular Plan

2.19%

Direct Plan

1.32%

Difference

0.87

Expected Higher returns with Direct Fund

5 Yr

₹46,636

10 Yr

₹1,01,769

20 Yr

₹2,42,415

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

Know more about HDFC Funds

Updated as on date11 Jul 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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