ITI Mutual Funds Direct v/s Regular Plans

ITI 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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ITI 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

ITI Business Cycle Fund Direct-Growth

Business Cycle

Expense Ratio

Regular Plan

3.76%

Direct Plan

2.00%

Difference

1.76

Expected Higher returns with Direct Fund

5 Yr

₹98,598

10 Yr

₹2,27,442

20 Yr

₹6,06,233

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

ITI Pharma and Healthcare Fund Direct - Growth

Pharma

Expense Ratio

Regular Plan

2.66%

Direct Plan

0.95%

Difference

1.71

Expected Higher returns with Direct Fund

5 Yr

₹91,855

10 Yr

₹2,01,041

20 Yr

₹4,82,373

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

ITI Banking and Financial Services Fund Direct - Growth

Banking

Expense Ratio

Regular Plan

3.05%

Direct Plan

1.35%

Difference

1.70

Expected Higher returns with Direct Fund

5 Yr

₹92,743

10 Yr

₹2,06,950

20 Yr

₹5,16,126

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

ITI Value Fund Direct - Growth

Value Oriented

Expense Ratio

Regular Plan

3.18%

Direct Plan

1.49%

Difference

1.69

Expected Higher returns with Direct Fund

5 Yr

₹92,685

10 Yr

₹2,08,189

20 Yr

₹5,26,092

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

ITI Focused Equity Fund Direct - Growth

Flexi Cap

Expense Ratio

Regular Plan

2.58%

Direct Plan

0.89%

Difference

1.69

Expected Higher returns with Direct Fund

5 Yr

₹90,531

10 Yr

₹1,97,460

20 Yr

₹4,70,500

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

ITI Large Cap Fund Direct - Growth

Large Cap

Expense Ratio

Regular Plan

2.76%

Direct Plan

1.08%

Difference

1.68

Expected Higher returns with Direct Fund

5 Yr

₹90,651

10 Yr

₹1,99,525

20 Yr

₹4,84,114

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

ITI ELSS Tax Saver Fund Direct - Growth

ELSS

Expense Ratio

Regular Plan

2.60%

Direct Plan

0.93%

Difference

1.67

Expected Higher returns with Direct Fund

5 Yr

₹89,565

10 Yr

₹1,95,637

20 Yr

₹4,67,500

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

ITI Balanced Advantage Fund Direct - Growth

Dynamic Asset Allocation

Expense Ratio

Regular Plan

3.25%

Direct Plan

1.60%

Difference

1.65

Expected Higher returns with Direct Fund

5 Yr

₹90,810

10 Yr

₹2,04,868

20 Yr

₹5,22,194

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

ITI Bharat Consumption Fund Direct-Growth

Consumption & Demand

Expense Ratio

Regular Plan

2.65%

Direct Plan

1.04%

Difference

1.61

Expected Higher returns with Direct Fund

5 Yr

₹86,618

10 Yr

₹1,89,936

20 Yr

₹4,57,357

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

ITI Large & Mid Cap Fund Direct-Growth

Large & MidCap

Expense Ratio

Regular Plan

2.67%

Direct Plan

1.10%

Difference

1.57

Expected Higher returns with Direct Fund

5 Yr

₹84,598

10 Yr

₹1,85,866

20 Yr

₹4,49,254

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

ITI Mid Cap Fund Direct - Growth

Mid Cap

Expense Ratio

Regular Plan

2.60%

Direct Plan

1.10%

Difference

1.50

Expected Higher returns with Direct Fund

5 Yr

₹80,714

10 Yr

₹1,77,020

20 Yr

₹4,26,306

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

ITI Multi Cap Fund Direct - Growth

Multi Cap

Expense Ratio

Regular Plan

2.24%

Direct Plan

0.78%

Difference

1.46

Expected Higher returns with Direct Fund

5 Yr

₹77,518

10 Yr

₹1,67,186

20 Yr

₹3,89,340

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

ITI Flexi Cap Fund Direct - Growth

Flexi Cap

Expense Ratio

Regular Plan

2.42%

Direct Plan

0.97%

Difference

1.45

Expected Higher returns with Direct Fund

5 Yr

₹77,549

10 Yr

₹1,68,783

20 Yr

₹4,00,265

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

ITI Small Cap Fund Direct - Growth

Small Cap

Expense Ratio

Regular Plan

2.19%

Direct Plan

0.84%

Difference

1.35

Expected Higher returns with Direct Fund

5 Yr

₹71,690

10 Yr

₹1,54,645

20 Yr

₹3,60,190

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

ITI Dynamic Term Fund Direct-Growth

Dynamic Bond

Expense Ratio

Regular Plan

1.22%

Direct Plan

0.28%

Difference

0.94

Expected Higher returns with Direct Fund

5 Yr

₹48,428

10 Yr

₹1,00,564

20 Yr

₹2,16,946

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

ITI Arbitrage Fund Direct - Growth

Arbitrage

Expense Ratio

Regular Plan

1.83%

Direct Plan

1.13%

Difference

0.70

Expected Higher returns with Direct Fund

5 Yr

₹37,119

10 Yr

₹79,906

20 Yr

₹1,85,204

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

ITI Ultra Short Term Fund Direct-Growth

Ultra Short Duration

Expense Ratio

Regular Plan

0.91%

Direct Plan

0.21%

Difference

0.70

Expected Higher returns with Direct Fund

5 Yr

₹35,791

10 Yr

₹73,618

20 Yr

₹1,55,778

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

ITI Banking and PSU Fund Direct - Growth

Banking and PSU

Expense Ratio

Regular Plan

0.75%

Direct Plan

0.23%

Difference

0.52

Expected Higher returns with Direct Fund

5 Yr

₹26,513

10 Yr

₹54,343

20 Yr

₹1,14,165

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

ITI Liquid Fund Direct - Growth

Liquid

Expense Ratio

Regular Plan

0.23%

Direct Plan

0.15%

Difference

0.08

Expected Higher returns with Direct Fund

5 Yr

₹4,030

10 Yr

₹8,137

20 Yr

₹16,587

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

ITI Overnight Fund Direct - Growth

Overnight

Expense Ratio

Regular Plan

0.24%

Direct Plan

0.17%

Difference

0.07

Expected Higher returns with Direct Fund

5 Yr

₹3,528

10 Yr

₹7,130

20 Yr

₹14,555

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

Know more about ITI Funds

Updated as on date15 Jul 2026

About ITI Mutual Fund

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

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