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 Banking & Financial Services Fund Direct-Growth

Banking

Expense Ratio

Regular Plan

2.33%

Direct Plan

0.48%

Difference

1.85

Expected Higher returns with Direct Fund

5 Yr

₹97,825

10 Yr

₹2,09,961

20 Yr

₹4,84,603

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

2.33%

Direct Plan

0.57%

Difference

1.76

Expected Higher returns with Direct Fund

5 Yr

₹93,230

10 Yr

₹2,00,527

20 Yr

₹4,64,720

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

2.20%

Direct Plan

0.55%

Difference

1.65

Expected Higher returns with Direct Fund

5 Yr

₹87,143

10 Yr

₹1,86,726

20 Yr

₹4,29,376

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

2.20%

Direct Plan

0.55%

Difference

1.65

Expected Higher returns with Direct Fund

5 Yr

₹87,143

10 Yr

₹1,86,726

20 Yr

₹4,29,376

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

LIC MF ELSS Tax Saver Direct - Growth

ELSS

Expense Ratio

Regular Plan

2.12%

Direct Plan

0.58%

Difference

1.54

Expected Higher returns with Direct Fund

5 Yr

₹81,252

10 Yr

₹1,73,874

20 Yr

₹3,98,684

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

1.93%

Direct Plan

0.46%

Difference

1.47

Expected Higher returns with Direct Fund

5 Yr

₹77,084

10 Yr

₹1,63,690

20 Yr

₹3,69,550

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

2.10%

Direct Plan

0.75%

Difference

1.35

Expected Higher returns with Direct Fund

5 Yr

₹71,436

10 Yr

₹1,53,415

20 Yr

₹3,54,172

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

LIC MF Children's Fund Direct-Growth

Flexi Cap

Expense Ratio

Regular Plan

2.34%

Direct Plan

1.03%

Difference

1.31

Expected Higher returns with Direct Fund

5 Yr

₹70,033

10 Yr

₹1,52,334

20 Yr

₹3,60,752

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

LIC MF Infrastructure Fund Direct-Growth

Infrastructure

Expense Ratio

Regular Plan

2.46%

Direct Plan

1.21%

Difference

1.25

Expected Higher returns with Direct Fund

5 Yr

₹67,220

10 Yr

₹1,47,292

20 Yr

₹3,53,929

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

1.21%

Difference

1.23

Expected Higher returns with Direct Fund

5 Yr

₹66,118

10 Yr

₹1,44,805

20 Yr

₹3,47,593

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 Dividend Yield Fund Direct - Growth

Dividend Yield

Expense Ratio

Regular Plan

2.49%

Direct Plan

1.44%

Difference

1.05

Expected Higher returns with Direct Fund

5 Yr

₹56,752

10 Yr

₹1,25,137

20 Yr

₹3,04,401

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 Equity Savings Fund Direct-Growth

Equity Savings

Expense Ratio

Regular Plan

2.00%

Direct Plan

0.99%

Difference

1.01

Expected Higher returns with Direct Fund

5 Yr

₹53,590

10 Yr

₹1,15,465

20 Yr

₹2,68,171

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

LIC MF Conservative Hybrid Fund Direct-Growth

Conservative

Expense Ratio

Regular Plan

2.25%

Direct Plan

1.26%

Difference

0.99

Expected Higher returns with Direct Fund

5 Yr

₹53,069

10 Yr

₹1,15,813

20 Yr

₹2,75,937

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

2.50%

Direct Plan

1.53%

Difference

0.97

Expected Higher returns with Direct Fund

5 Yr

₹52,531

10 Yr

₹1,16,108

20 Yr

₹2,83,777

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

2.31%

Direct Plan

1.34%

Difference

0.97

Expected Higher returns with Direct Fund

5 Yr

₹52,140

10 Yr

₹1,14,177

20 Yr

₹2,73,903

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

1.33%

Direct Plan

0.37%

Difference

0.96

Expected Higher returns with Direct Fund

5 Yr

₹49,655

10 Yr

₹1,03,626

20 Yr

₹2,25,789

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

LIC MF Focused Fund Direct - Growth

Flexi Cap

Expense Ratio

Regular Plan

2.51%

Direct Plan

1.56%

Difference

0.95

Expected Higher returns with Direct Fund

5 Yr

₹51,488

10 Yr

₹1,13,914

20 Yr

₹2,78,948

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

1.57%

Difference

0.93

Expected Higher returns with Direct Fund

5 Yr

₹50,404

10 Yr

₹1,11,515

20 Yr

₹2,73,061

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

Know more about LIC Funds

Updated as on date 21 May 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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