LIC Mutual Funds Direct v/s Regular Plans

LIC 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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LIC 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

LIC MF Technology Fund Direct-Growth

Technology

Expense Ratio

Regular Plan

2.97%

Direct Plan

1.22%

Difference

1.75

Expected Higher returns with Direct Fund

5 Yr

₹95,080

10 Yr

₹2,11,086

20 Yr

₹5,21,157

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

LIC MF Consumption Fund Direct-Growth

Consumption & Demand

Expense Ratio

Regular Plan

2.68%

Direct Plan

1.17%

Difference

1.51

Expected Higher returns with Direct Fund

5 Yr

₹81,492

10 Yr

₹1,79,386

20 Yr

₹4,35,208

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

LIC MF Dividend Yield Fund Direct - Growth

Dividend Yield

Expense Ratio

Regular Plan

2.44%

Direct Plan

0.95%

Difference

1.49

Expected Higher returns with Direct Fund

5 Yr

₹79,689

10 Yr

₹1,73,445

20 Yr

₹4,11,373

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

LIC MF Value Fund Direct - Growth

Value Oriented

Expense Ratio

Regular Plan

3.31%

Direct Plan

1.85%

Difference

1.46

Expected Higher returns with Direct Fund

5 Yr

₹80,838

10 Yr

₹1,83,730

20 Yr

₹4,75,145

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

LIC MF Balanced Advantage Fund Direct - Growth

Dynamic Asset Allocation

Expense Ratio

Regular Plan

3.05%

Direct Plan

1.61%

Difference

1.44

Expected Higher returns with Direct Fund

5 Yr

₹78,956

10 Yr

₹1,77,274

20 Yr

₹4,47,376

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

LIC MF Manufacturing Fund Direct-Growth

Manufacturing

Expense Ratio

Regular Plan

2.89%

Direct Plan

1.50%

Difference

1.39

Expected Higher returns with Direct Fund

5 Yr

₹75,812

10 Yr

₹1,69,091

20 Yr

₹4,21,067

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

LIC MF Multi Cap Fund Direct - Growth

Multi Cap

Expense Ratio

Regular Plan

2.28%

Direct Plan

0.89%

Difference

1.39

Expected Higher returns with Direct Fund

5 Yr

₹74,019

10 Yr

₹1,60,223

20 Yr

₹3,75,806

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

LIC MF Infrastructure Fund Direct-Growth

Infrastructure

Expense Ratio

Regular Plan

2.84%

Direct Plan

1.49%

Difference

1.35

Expected Higher returns with Direct Fund

5 Yr

₹73,544

10 Yr

₹1,63,787

20 Yr

₹4,06,615

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

LIC MF Small Cap Fund Direct - Growth

Small Cap

Expense Ratio

Regular Plan

2.77%

Direct Plan

1.44%

Difference

1.33

Expected Higher returns with Direct Fund

5 Yr

₹72,284

10 Yr

₹1,60,507

20 Yr

₹3,96,117

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

LIC MF Multi Asset Allocation Fund Direct-Growth

Multi Asset Allocation

Expense Ratio

Regular Plan

2.37%

Direct Plan

1.04%

Difference

1.33

Expected Higher returns with Direct Fund

5 Yr

₹71,158

10 Yr

₹1,54,937

20 Yr

₹3,67,657

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

LIC MF Healthcare Fund Direct - Growth

Pharma

Expense Ratio

Regular Plan

2.84%

Direct Plan

1.53%

Difference

1.31

Expected Higher returns with Direct Fund

5 Yr

₹71,420

10 Yr

₹1,59,209

20 Yr

₹3,95,980

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

LIC MF Banking & Financial Services Fund Direct-Growth

Banking

Expense Ratio

Regular Plan

3.01%

Direct Plan

1.76%

Difference

1.25

Expected Higher returns with Direct Fund

5 Yr

₹68,684

10 Yr

₹1,54,607

20 Yr

₹3,92,059

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

LIC MF Large & Mid Cap Fund Direct-Growth

Large & MidCap

Expense Ratio

Regular Plan

3.52%

Direct Plan

2.28%

Difference

1.24

Expected Higher returns with Direct Fund

5 Yr

₹69,515

10 Yr

₹1,60,453

20 Yr

₹4,27,801

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

LIC MF Focused Fund Direct - Growth

Flexi Cap

Expense Ratio

Regular Plan

4.54%

Direct Plan

3.36%

Difference

1.18

Expected Higher returns with Direct Fund

5 Yr

₹68,893

10 Yr

₹1,67,290

20 Yr

₹4,93,599

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

LIC MF ELSS Tax Saver Direct - Growth

ELSS

Expense Ratio

Regular Plan

2.35%

Direct Plan

1.18%

Difference

1.17

Expected Higher returns with Direct Fund

5 Yr

₹62,744

10 Yr

₹1,37,007

20 Yr

₹3,26,891

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

LIC MF Ultra Short Duration Fund Direct - Growth

Ultra Short Duration

Expense Ratio

Regular Plan

1.38%

Direct Plan

0.24%

Difference

1.14

Expected Higher returns with Direct Fund

5 Yr

₹58,873

10 Yr

₹1,22,632

20 Yr

₹2,66,253

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

LIC MF Large Cap Fund Direct-Growth

Large Cap

Expense Ratio

Regular Plan

2.44%

Direct Plan

1.32%

Difference

1.12

Expected Higher returns with Direct Fund

5 Yr

₹60,335

10 Yr

₹1,32,487

20 Yr

₹3,19,657

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

LIC MF Flexi Cap Fund Direct-Growth

Flexi Cap

Expense Ratio

Regular Plan

3.54%

Direct Plan

2.42%

Difference

1.12

Expected Higher returns with Direct Fund

5 Yr

₹62,983

10 Yr

₹1,45,931

20 Yr

₹3,91,998

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

LIC MF Midcap Fund Direct - Growth

Mid Cap

Expense Ratio

Regular Plan

2.44%

Direct Plan

1.33%

Difference

1.11

Expected Higher returns with Direct Fund

5 Yr

₹59,808

10 Yr

₹1,31,362

20 Yr

₹3,17,089

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

LIC MF Aggressive Hybrid Fund Direct-Growth

Aggressive

Expense Ratio

Regular Plan

2.67%

Direct Plan

1.58%

Difference

1.09

Expected Higher returns with Direct Fund

5 Yr

₹59,285

10 Yr

₹1,31,753

20 Yr

₹3,25,589

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

Know more about LIC Funds

Updated as on date20 Jul 2026

About LIC Mutual Fund

LIC 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 ofLIC 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. LIC Mutual Fund Direct Plans are available for all kinds of mutual funds namely.

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