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 Innovation Fund Direct-Growth

Themed

Expense Ratio

Regular Plan

1.99%

Direct Plan

0.69%

Difference

1.30

Expected Higher returns with Direct Fund

5 Yr

₹68,560

10 Yr

₹1,46,617

20 Yr

₹3,35,604

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

HDFC Pharma And Healthcare Fund Direct - Growth

Pharma

Expense Ratio

Regular Plan

2.07%

Direct Plan

0.87%

Difference

1.20

Expected Higher returns with Direct Fund

5 Yr

₹63,611

10 Yr

₹1,36,899

20 Yr

₹3,17,315

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

2.25%

Direct Plan

1.05%

Difference

1.20

Expected Higher returns with Direct Fund

5 Yr

₹64,063

10 Yr

₹1,39,100

20 Yr

₹3,28,181

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

HDFC Transportation and Logistics Fund Direct - Growth

Themed

Expense Ratio

Regular Plan

2.15%

Direct Plan

0.96%

Difference

1.19

Expected Higher returns with Direct Fund

5 Yr

₹63,292

10 Yr

₹1,36,784

20 Yr

₹3,19,706

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

HDFC MNC Fund Direct - Growth

MNC

Expense Ratio

Regular Plan

2.43%

Direct Plan

1.24%

Difference

1.19

Expected Higher returns with Direct Fund

5 Yr

₹63,993

10 Yr

₹1,40,216

20 Yr

₹3,36,872

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

HDFC Technology Fund Direct - Growth

Technology

Expense Ratio

Regular Plan

2.15%

Direct Plan

0.98%

Difference

1.17

Expected Higher returns with Direct Fund

5 Yr

₹62,253

10 Yr

₹1,34,603

20 Yr

₹3,14,901

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

HDFC Banking & Financial Services Fund Direct - Growth

Banking

Expense Ratio

Regular Plan

1.90%

Direct Plan

0.76%

Difference

1.14

Expected Higher returns with Direct Fund

5 Yr

₹60,097

10 Yr

₹1,28,443

20 Yr

₹2,93,589

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

HDFC Business Cycle Fund Direct - Growth

Themed

Expense Ratio

Regular Plan

1.98%

Direct Plan

0.84%

Difference

1.14

Expected Higher returns with Direct Fund

5 Yr

₹60,287

10 Yr

₹1,29,358

20 Yr

₹2,98,024

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

HDFC Dividend Yield Fund Direct - Growth

Dividend Yield

Expense Ratio

Regular Plan

1.82%

Direct Plan

0.69%

Difference

1.13

Expected Higher returns with Direct Fund

5 Yr

₹59,393

10 Yr

₹1,26,470

20 Yr

₹2,86,940

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

2.06%

Direct Plan

0.93%

Difference

1.13

Expected Higher returns with Direct Fund

5 Yr

₹59,958

10 Yr

₹1,29,193

20 Yr

₹3,00,139

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

2.14%

Direct Plan

1.02%

Difference

1.12

Expected Higher returns with Direct Fund

5 Yr

₹59,627

10 Yr

₹1,29,017

20 Yr

₹3,02,242

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

1.88%

Direct Plan

0.77%

Difference

1.11

Expected Higher returns with Direct Fund

5 Yr

₹58,503

10 Yr

₹1,25,005

20 Yr

₹2,85,568

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

1.64%

Direct Plan

0.59%

Difference

1.05

Expected Higher returns with Direct Fund

5 Yr

₹54,883

10 Yr

₹1,16,056

20 Yr

₹2,59,646

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

1.15%

Direct Plan

0.10%

Difference

1.05

Expected Higher returns with Direct Fund

5 Yr

₹53,827

10 Yr

₹1,11,092

20 Yr

₹2,36,758

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

1.77%

Direct Plan

0.74%

Difference

1.03

Expected Higher returns with Direct Fund

5 Yr

₹54,137

10 Yr

₹1,15,271

20 Yr

₹2,61,469

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

HDFC Manufacturing Fund Direct - Growth

Themed

Expense Ratio

Regular Plan

1.74%

Direct Plan

0.73%

Difference

1.01

Expected Higher returns with Direct Fund

5 Yr

₹53,043

10 Yr

₹1,12,830

20 Yr

₹2,55,417

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

HDFC Housing Opportunities Fund Direct - Growth

Themed

Expense Ratio

Regular Plan

2.20%

Direct Plan

1.21%

Difference

0.99

Expected Higher returns with Direct Fund

5 Yr

₹52,965

10 Yr

₹1,15,302

20 Yr

₹2,73,372

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

HDFC Infrastructure Direct Plan-Growth

Infrastructure

Expense Ratio

Regular Plan

2.04%

Direct Plan

1.08%

Difference

0.96

Expected Higher returns with Direct Fund

5 Yr

₹51,068

10 Yr

₹1,10,380

20 Yr

₹2,57,979

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

HDFC Equity Savings Direct Plan-Growth

Equity Savings

Expense Ratio

Regular Plan

1.88%

Direct Plan

0.92%

Difference

0.96

Expected Higher returns with Direct Fund

5 Yr

₹50,747

10 Yr

₹1,08,825

20 Yr

₹2,50,366

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

HDFC Multi Cap Fund Direct - Growth

Multi Cap

Expense Ratio

Regular Plan

1.68%

Direct Plan

0.73%

Difference

0.95

Expected Higher returns with Direct Fund

5 Yr

₹49,833

10 Yr

₹1,05,841

20 Yr

₹2,38,855

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

Know more about HDFC Funds

Updated as on date 20 Aug 2025

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 of HDFC 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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