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

1.96%

Direct Plan

0.71%

Difference

1.25

Expected Higher returns with Direct Fund

5 Yr

₹65,909

10 Yr

₹1,40,910

20 Yr

₹3,22,337

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

2.24%

Direct Plan

1.04%

Difference

1.20

Expected Higher returns with Direct Fund

5 Yr

₹64,038

10 Yr

₹1,38,977

20 Yr

₹3,27,568

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

Themed

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 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

1.83%

Direct Plan

0.70%

Difference

1.13

Expected Higher returns with Direct Fund

5 Yr

₹59,417

10 Yr

₹1,26,582

20 Yr

₹2,87,479

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 Retirement Savings Fund - Hybrid Debt Plan Direct-Growth

Conservative

Expense Ratio

Regular Plan

2.16%

Direct Plan

1.08%

Difference

1.08

Expected Higher returns with Direct Fund

5 Yr

₹57,588

10 Yr

₹1,24,848

20 Yr

₹2,93,600

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

1.87%

Direct Plan

0.80%

Difference

1.07

Expected Higher returns with Direct Fund

5 Yr

₹56,417

10 Yr

₹1,20,604

20 Yr

₹2,75,761

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

1.14%

Direct Plan

0.07%

Difference

1.07

Expected Higher returns with Direct Fund

5 Yr

₹54,809

10 Yr

₹1,13,007

20 Yr

₹2,40,372

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 Diversified Equity All Cap Active FoF Direct - Growth

Flexi Cap

Expense Ratio

Regular Plan

1.31%

Direct Plan

0.26%

Difference

1.05

Expected Higher returns with Direct Fund

5 Yr

₹54,170

10 Yr

₹1,12,692

20 Yr

₹2,44,012

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

1.61%

Direct Plan

0.62%

Difference

0.99

Expected Higher returns with Direct Fund

5 Yr

₹51,747

10 Yr

₹1,09,420

20 Yr

₹2,44,767

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

HDFC Housing Opportunities Fund Direct - Growth

Themed

Expense Ratio

Regular Plan

2.22%

Direct Plan

1.26%

Difference

0.96

Expected Higher returns with Direct Fund

5 Yr

₹51,431

10 Yr

₹1,12,153

20 Yr

₹2,66,805

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

HDFC Manufacturing Fund Direct - Growth

Themed

Expense Ratio

Regular Plan

1.76%

Direct Plan

0.81%

Difference

0.95

Expected Higher returns with Direct Fund

5 Yr

₹49,991

10 Yr

₹1,06,596

20 Yr

₹2,42,468

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

0.74%

Difference

0.94

Expected Higher returns with Direct Fund

5 Yr

₹49,318

10 Yr

₹1,04,773

20 Yr

₹2,36,557

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 14 Dec 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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