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 Consumption Fund Direct-Growth

Consumption & Demand

Expense Ratio

Regular Plan

2.36%

Direct Plan

0.60%

Difference

1.76

Expected Higher returns with Direct Fund

5 Yr

₹93,340

10 Yr

₹2,01,061

20 Yr

₹4,67,337

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

LIC MF Manufacturing Fund Direct-Growth

Themed

Expense Ratio

Regular Plan

2.29%

Direct Plan

0.69%

Difference

1.60

Expected Higher returns with Direct Fund

5 Yr

₹84,886

10 Yr

₹1,82,916

20 Yr

₹4,25,332

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

2.32%

Direct Plan

0.72%

Difference

1.60

Expected Higher returns with Direct Fund

5 Yr

₹84,986

10 Yr

₹1,83,403

20 Yr

₹4,27,726

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

2.12%

Direct Plan

0.56%

Difference

1.56

Expected Higher returns with Direct Fund

5 Yr

₹82,275

10 Yr

₹1,75,979

20 Yr

₹4,03,140

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

2.00%

Direct Plan

0.46%

Difference

1.54

Expected Higher returns with Direct Fund

5 Yr

₹80,868

10 Yr

₹1,72,030

20 Yr

₹3,89,813

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

2.32%

Direct Plan

0.80%

Difference

1.52

Expected Higher returns with Direct Fund

5 Yr

₹80,863

10 Yr

₹1,74,839

20 Yr

₹4,09,251

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

LIC MF Infrastructure Fund Direct-Growth

Infrastructure

Expense Ratio

Regular Plan

2.21%

Direct Plan

0.83%

Difference

1.38

Expected Higher returns with Direct Fund

5 Yr

₹73,298

10 Yr

₹1,58,155

20 Yr

₹3,68,580

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

2.39%

Direct Plan

1.03%

Difference

1.36

Expected Higher returns with Direct Fund

5 Yr

₹72,778

10 Yr

₹1,58,505

20 Yr

₹3,76,343

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

1.91%

Direct Plan

0.58%

Difference

1.33

Expected Higher returns with Direct Fund

5 Yr

₹69,880

10 Yr

₹1,48,743

20 Yr

₹3,37,323

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

2.45%

Direct Plan

1.16%

Difference

1.29

Expected Higher returns with Direct Fund

5 Yr

₹69,290

10 Yr

₹1,51,607

20 Yr

₹3,63,266

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

LIC MF Healthcare Fund Direct - Growth

Pharma

Expense Ratio

Regular Plan

2.45%

Direct Plan

1.22%

Difference

1.23

Expected Higher returns with Direct Fund

5 Yr

₹66,144

10 Yr

₹1,44,933

20 Yr

₹3,48,242

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

LIC MF ELSS Tax Saver Direct - Growth

ELSS

Expense Ratio

Regular Plan

2.15%

Direct Plan

0.97%

Difference

1.18

Expected Higher returns with Direct Fund

5 Yr

₹62,772

10 Yr

₹1,35,694

20 Yr

₹3,17,305

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

LIC MF Equity Savings Fund Direct-Growth

Equity Savings

Expense Ratio

Regular Plan

2.35%

Direct Plan

1.19%

Difference

1.16

Expected Higher returns with Direct Fund

5 Yr

₹62,220

10 Yr

₹1,35,895

20 Yr

₹3,24,389

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

2.14%

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

LIC MF Value Fund Direct - Growth

Value Oriented

Expense Ratio

Regular Plan

2.47%

Direct Plan

1.35%

Difference

1.12

Expected Higher returns with Direct Fund

5 Yr

₹60,406

10 Yr

₹1,32,839

20 Yr

₹3,21,450

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

LIC MF Aggressive Hybrid Fund Direct-Growth

Aggressive

Expense Ratio

Regular Plan

2.47%

Direct Plan

1.40%

Difference

1.07

Expected Higher returns with Direct Fund

5 Yr

₹57,765

10 Yr

₹1,27,185

20 Yr

₹3,08,488

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

LIC MF Midcap Fund Direct - Growth

Mid Cap

Expense Ratio

Regular Plan

2.50%

Direct Plan

1.44%

Difference

1.06

Expected Higher returns with Direct Fund

5 Yr

₹57,304

10 Yr

₹1,26,385

20 Yr

₹3,07,595

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

LIC MF Medium to Long Duration Fund Direct-Growth

Medium to Long Duration

Expense Ratio

Regular Plan

1.22%

Direct Plan

0.21%

Difference

1.01

Expected Higher returns with Direct Fund

5 Yr

₹51,962

10 Yr

₹1,07,720

20 Yr

₹2,31,612

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

LIC MF Short Duration Fund Direct - Growth

Short Duration

Expense Ratio

Regular Plan

1.32%

Direct Plan

0.36%

Difference

0.96

Expected Higher returns with Direct Fund

5 Yr

₹49,635

10 Yr

₹1,03,534

20 Yr

₹2,25,364

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

2.28%

Direct Plan

1.34%

Difference

0.94

Expected Higher returns with Direct Fund

5 Yr

₹50,498

10 Yr

₹1,10,497

20 Yr

₹2,64,669

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

Know more about LIC Funds

Updated as on date 25 Dec 2025

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 of LIC 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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