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

2.38%

Direct Plan

0.74%

Difference

1.64

Expected Higher returns with Direct Fund

5 Yr

₹87,249

10 Yr

₹1,88,663

20 Yr

₹4,41,791

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

2.33%

Direct Plan

0.77%

Difference

1.56

Expected Higher returns with Direct Fund

5 Yr

₹82,959

10 Yr

₹1,79,288

20 Yr

₹4,19,307

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

LIC MF Manufacturing Fund Direct-Growth

Manufacturing

Expense Ratio

Regular Plan

2.32%

Direct Plan

0.82%

Difference

1.50

Expected Higher returns with Direct Fund

5 Yr

₹79,830

10 Yr

₹1,72,688

20 Yr

₹4,04,588

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

2.02%

Direct Plan

0.54%

Difference

1.48

Expected Higher returns with Direct Fund

5 Yr

₹77,870

10 Yr

₹1,66,055

20 Yr

₹3,78,061

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

2.06%

Direct Plan

0.65%

Difference

1.41

Expected Higher returns with Direct Fund

5 Yr

₹74,406

10 Yr

₹1,59,249

20 Yr

₹3,65,177

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 Healthcare Fund Direct - Growth

Pharma

Expense Ratio

Regular Plan

2.44%

Direct Plan

1.13%

Difference

1.31

Expected Higher returns with Direct Fund

5 Yr

₹70,309

10 Yr

₹1,53,688

20 Yr

₹3,67,551

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

1.92%

Direct Plan

0.63%

Difference

1.29

Expected Higher returns with Direct Fund

5 Yr

₹67,858

10 Yr

₹1,44,650

20 Yr

₹3,28,977

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

LIC MF Focused Fund Direct - Growth

Flexi Cap

Expense Ratio

Regular Plan

2.45%

Direct Plan

1.17%

Difference

1.28

Expected Higher returns with Direct Fund

5 Yr

₹68,766

10 Yr

₹1,50,497

20 Yr

₹3,60,774

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

2.46%

Direct Plan

1.20%

Difference

1.26

Expected Higher returns with Direct Fund

5 Yr

₹67,744

10 Yr

₹1,48,406

20 Yr

₹3,56,440

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

LIC MF Infrastructure Fund Direct-Growth

Infrastructure

Expense Ratio

Regular Plan

2.24%

Direct Plan

0.99%

Difference

1.25

Expected Higher returns with Direct Fund

5 Yr

₹66,641

10 Yr

₹1,44,453

20 Yr

₹3,39,683

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

LIC MF ELSS Tax Saver Direct - Growth

ELSS

Expense Ratio

Regular Plan

2.16%

Direct Plan

0.98%

Difference

1.18

Expected Higher returns with Direct Fund

5 Yr

₹62,797

10 Yr

₹1,35,814

20 Yr

₹3,17,899

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

2.38%

Direct Plan

1.21%

Difference

1.17

Expected Higher returns with Direct Fund

5 Yr

₹62,818

10 Yr

₹1,37,371

20 Yr

₹3,28,727

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

LIC MF Value Fund Direct - Growth

Value Oriented

Expense Ratio

Regular Plan

2.48%

Direct Plan

1.35%

Difference

1.13

Expected Higher returns with Direct Fund

5 Yr

₹60,957

10 Yr

₹1,34,085

20 Yr

₹3,24,633

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

LIC MF Aggressive Hybrid Fund Direct-Growth

Aggressive

Expense Ratio

Regular Plan

2.48%

Direct Plan

1.40%

Difference

1.08

Expected Higher returns with Direct Fund

5 Yr

₹58,317

10 Yr

₹1,28,431

20 Yr

₹3,11,670

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

2.16%

Direct Plan

1.10%

Difference

1.06

Expected Higher returns with Direct Fund

5 Yr

₹56,544

10 Yr

₹1,22,643

20 Yr

₹2,88,685

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 Equity Savings Fund Direct-Growth

Equity Savings

Expense Ratio

Regular Plan

2.36%

Direct Plan

1.34%

Difference

1.02

Expected Higher returns with Direct Fund

5 Yr

₹54,882

10 Yr

₹1,20,331

20 Yr

₹2,89,407

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

LIC MF Low Duration Fund Direct-Growth

Low Duration

Expense Ratio

Regular Plan

1.23%

Direct Plan

0.25%

Difference

0.98

Expected Higher returns with Direct Fund

5 Yr

₹50,468

10 Yr

₹1,04,753

20 Yr

₹2,25,776

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

LIC MF Conservative Hybrid Fund Direct-Growth

Conservative

Expense Ratio

Regular Plan

2.31%

Direct Plan

1.41%

Difference

0.90

Expected Higher returns with Direct Fund

5 Yr

₹48,444

10 Yr

₹1,06,261

20 Yr

₹2,55,755

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

Know more about LIC Funds

Updated as on date 21 Feb 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 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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