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

2.85%

Direct Plan

1.11%

Difference

1.74

Expected Higher returns with Direct Fund

5 Yr

₹94,111

10 Yr

₹2,07,760

20 Yr

₹5,07,182

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

LIC MF Consumption Fund Direct-Growth

Consumption & Demand

Expense Ratio

Regular Plan

2.72%

Direct Plan

1.21%

Difference

1.51

Expected Higher returns with Direct Fund

5 Yr

₹81,620

10 Yr

₹1,80,020

20 Yr

₹4,38,464

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

2.50%

Direct Plan

1.03%

Difference

1.47

Expected Higher returns with Direct Fund

5 Yr

₹78,836

10 Yr

₹1,72,176

20 Yr

₹4,11,157

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

LIC MF Value Fund Direct - Growth

Value Oriented

Expense Ratio

Regular Plan

3.33%

Direct Plan

1.89%

Difference

1.44

Expected Higher returns with Direct Fund

5 Yr

₹79,824

10 Yr

₹1,81,687

20 Yr

₹4,71,209

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

2.92%

Direct Plan

1.50%

Difference

1.42

Expected Higher returns with Direct Fund

5 Yr

₹77,495

10 Yr

₹1,72,973

20 Yr

₹4,31,406

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

LIC MF Manufacturing Fund Direct-Growth

Manufacturing

Expense Ratio

Regular Plan

2.86%

Direct Plan

1.49%

Difference

1.37

Expected Higher returns with Direct Fund

5 Yr

₹74,663

10 Yr

₹1,66,362

20 Yr

₹4,13,438

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

2.16%

Direct Plan

0.80%

Difference

1.36

Expected Higher returns with Direct Fund

5 Yr

₹72,122

10 Yr

₹1,55,309

20 Yr

₹3,60,502

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

LIC MF Infrastructure Fund Direct-Growth

Infrastructure

Expense Ratio

Regular Plan

2.64%

Direct Plan

1.29%

Difference

1.35

Expected Higher returns with Direct Fund

5 Yr

₹72,970

10 Yr

₹1,60,924

20 Yr

₹3,91,759

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

2.66%

Direct Plan

1.32%

Difference

1.34

Expected Higher returns with Direct Fund

5 Yr

₹72,500

10 Yr

₹1,60,084

20 Yr

₹3,90,657

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

LIC MF Healthcare Fund Direct - Growth

Pharma

Expense Ratio

Regular Plan

2.72%

Direct Plan

1.42%

Difference

1.30

Expected Higher returns with Direct Fund

5 Yr

₹70,557

10 Yr

₹1,56,400

20 Yr

₹3,84,627

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

2.39%

Direct Plan

1.09%

Difference

1.30

Expected Higher returns with Direct Fund

5 Yr

₹69,649

10 Yr

₹1,51,908

20 Yr

₹3,61,681

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

2.64%

Direct Plan

1.42%

Difference

1.22

Expected Higher returns with Direct Fund

5 Yr

₹66,110

10 Yr

₹1,46,250

20 Yr

₹3,58,182

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

2.76%

Direct Plan

1.55%

Difference

1.21

Expected Higher returns with Direct Fund

5 Yr

₹65,890

10 Yr

₹1,46,657

20 Yr

₹3,63,593

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

LIC MF ELSS Tax Saver Fund Direct-Growth

ELSS

Expense Ratio

Regular Plan

2.50%

Direct Plan

1.35%

Difference

1.15

Expected Higher returns with Direct Fund

5 Yr

₹62,060

10 Yr

₹1,36,580

20 Yr

₹3,31,015

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

LIC MF Focused Fund Direct - Growth

Focused

Expense Ratio

Regular Plan

3.38%

Direct Plan

2.24%

Difference

1.14

Expected Higher returns with Direct Fund

5 Yr

₹63,685

10 Yr

₹1,46,346

20 Yr

₹3,86,693

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

LIC MF Ultra Short Term Fund Direct-Growth

Ultra Short Duration

Expense Ratio

Regular Plan

1.38%

Direct Plan

0.25%

Difference

1.13

Expected Higher returns with Direct Fund

5 Yr

₹58,368

10 Yr

₹1,21,609

20 Yr

₹2,64,157

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

2.48%

Direct Plan

1.37%

Difference

1.11

Expected Higher returns with Direct Fund

5 Yr

₹59,902

10 Yr

₹1,31,826

20 Yr

₹3,19,462

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

LIC MF Midcap Fund Direct - Growth

Mid Cap

Expense Ratio

Regular Plan

3.07%

Direct Plan

1.98%

Difference

1.09

Expected Higher returns with Direct Fund

5 Yr

₹60,219

10 Yr

₹1,36,471

20 Yr

₹3,50,688

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

2.90%

Direct Plan

1.81%

Difference

1.09

Expected Higher returns with Direct Fund

5 Yr

₹59,821

10 Yr

₹1,34,448

20 Yr

₹3,39,805

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

LIC MF Aggressive Hybrid Fund Direct-Growth

Aggressive

Expense Ratio

Regular Plan

2.88%

Direct Plan

1.82%

Difference

1.06

Expected Higher returns with Direct Fund

5 Yr

₹58,163

10 Yr

₹1,30,688

20 Yr

₹3,30,117

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

Know more about LIC Funds

Updated as on date05 Nov 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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