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

Select:

HDFC Mutual Fund

All Categories

All Sub-Categories

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

1.97%

Direct Plan

0.75%

Difference

1.22

Expected Higher returns with Direct Fund

5 Yr

₹64,391

10 Yr

₹1,37,831

20 Yr

₹3,16,046

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

HDFC Technology Fund Direct - Growth

Technology

Expense Ratio

Regular Plan

2.13%

Direct Plan

0.93%

Difference

1.20

Expected Higher returns with Direct Fund

5 Yr

₹63,761

10 Yr

₹1,37,629

20 Yr

₹3,20,899

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

2.26%

Direct Plan

1.06%

Difference

1.20

Expected Higher returns with Direct Fund

5 Yr

₹64,088

10 Yr

₹1,39,223

20 Yr

₹3,28,794

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

HDFC MNC Fund Direct - Growth

MNC

Expense Ratio

Regular Plan

2.44%

Direct Plan

1.25%

Difference

1.19

Expected Higher returns with Direct Fund

5 Yr

₹64,018

10 Yr

₹1,40,340

20 Yr

₹3,37,501

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

HDFC Pharma And Healthcare Fund Direct - Growth

Pharma

Expense Ratio

Regular Plan

2.10%

Direct Plan

0.94%

Difference

1.16

Expected Higher returns with Direct Fund

5 Yr

₹61,611

10 Yr

₹1,32,920

20 Yr

₹3,09,582

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

2.12%

Direct Plan

0.97%

Difference

1.15

Expected Higher returns with Direct Fund

5 Yr

₹61,140

10 Yr

₹1,32,066

20 Yr

₹3,08,342

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

HDFC Dividend Yield Fund Direct - Growth

Dividend Yield

Expense Ratio

Regular Plan

1.84%

Direct Plan

0.71%

Difference

1.13

Expected Higher returns with Direct Fund

5 Yr

₹59,440

10 Yr

₹1,26,695

20 Yr

₹2,88,019

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

2.07%

Direct Plan

0.94%

Difference

1.13

Expected Higher returns with Direct Fund

5 Yr

₹59,982

10 Yr

₹1,29,308

20 Yr

₹3,00,702

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

0.80%

Difference

1.10

Expected Higher returns with Direct Fund

5 Yr

₹58,034

10 Yr

₹1,24,153

20 Yr

₹2,84,316

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

1.13%

Direct Plan

0.07%

Difference

1.06

Expected Higher returns with Direct Fund

5 Yr

₹54,286

10 Yr

₹1,11,900

20 Yr

₹2,37,894

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

1.76%

Direct Plan

0.71%

Difference

1.05

Expected Higher returns with Direct Fund

5 Yr

₹55,144

10 Yr

₹1,17,302

20 Yr

₹2,65,563

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

1.86%

Direct Plan

0.81%

Difference

1.05

Expected Higher returns with Direct Fund

5 Yr

₹55,363

10 Yr

₹1,18,348

20 Yr

₹2,70,591

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

HDFC Housing Opportunities Fund Direct - Growth

Themed

Expense Ratio

Regular Plan

2.23%

Direct Plan

1.19%

Difference

1.04

Expected Higher returns with Direct Fund

5 Yr

₹55,651

10 Yr

₹1,21,183

20 Yr

₹2,87,487

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

2.16%

Direct Plan

1.13%

Difference

1.03

Expected Higher returns with Direct Fund

5 Yr

₹54,976

10 Yr

₹1,19,328

20 Yr

₹2,81,278

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

HDFC Defence Fund Direct - Growth

Themed

Expense Ratio

Regular Plan

1.81%

Direct Plan

0.82%

Difference

0.99

Expected Higher returns with Direct Fund

5 Yr

₹52,157

10 Yr

₹1,11,384

20 Yr

₹2,54,130

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

HDFC Business Cycle Fund Direct - Growth

Business Cycle

Expense Ratio

Regular Plan

1.99%

Direct Plan

1.00%

Difference

0.99

Expected Higher returns with Direct Fund

5 Yr

₹52,529

10 Yr

₹1,13,177

20 Yr

₹2,62,846

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

1.28%

Direct Plan

0.30%

Difference

0.98

Expected Higher returns with Direct Fund

5 Yr

₹50,569

10 Yr

₹1,05,221

20 Yr

₹2,27,914

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

1.60%

Direct Plan

0.63%

Difference

0.97

Expected Higher returns with Direct Fund

5 Yr

₹50,701

10 Yr

₹1,07,209

20 Yr

₹2,39,809

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

HDFC Manufacturing Fund Direct - Growth

Manufacturing

Expense Ratio

Regular Plan

1.77%

Direct Plan

0.82%

Difference

0.95

Expected Higher returns with Direct Fund

5 Yr

₹50,010

10 Yr

₹1,06,691

20 Yr

₹2,42,923

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

0.94%

Difference

0.94

Expected Higher returns with Direct Fund

5 Yr

₹49,709

10 Yr

₹1,06,651

20 Yr

₹2,45,597

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

Know more about HDFC Funds

Updated as on date 21 Feb 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 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.

Sort

Filters