SBI Mutual Funds Direct v/s Regular Plans

SBI 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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SBI 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

SBI Balanced Hybrid Fund Direct-Growth

Balanced

Expense Ratio

Regular Plan

2.61%

Direct Plan

1.46%

Difference

1.15

Expected Higher returns with Direct Fund

5 Yr

₹62,329

10 Yr

₹1,37,913

20 Yr

₹3,37,868

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

SBI Magnum COMMA Fund Direct-Growth

Themed

Expense Ratio

Regular Plan

2.32%

Direct Plan

1.24%

Difference

1.08

Expected Higher returns with Direct Fund

5 Yr

₹57,951

10 Yr

₹1,26,628

20 Yr

₹3,02,507

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

SBI Dynamic Asset Allocation Active FoF Direct - Growth

Dynamic Asset Allocation

Expense Ratio

Regular Plan

1.35%

Direct Plan

0.27%

Difference

1.08

Expected Higher returns with Direct Fund

5 Yr

₹55,774

10 Yr

₹1,16,173

20 Yr

₹2,52,192

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

SBI Quality Fund Direct - Growth

Factor-Based

Expense Ratio

Regular Plan

2.40%

Direct Plan

1.32%

Difference

1.08

Expected Higher returns with Direct Fund

5 Yr

₹58,134

10 Yr

₹1,27,527

20 Yr

₹3,07,056

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

SBI Consumption Opportunities Fund Direct-Growth

Consumption & Demand

Expense Ratio

Regular Plan

2.23%

Direct Plan

1.20%

Difference

1.03

Expected Higher returns with Direct Fund

5 Yr

₹55,127

10 Yr

₹1,20,070

20 Yr

₹2,84,981

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

SBI Quant Fund Direct-Growth

Quant

Expense Ratio

Regular Plan

2.63%

Direct Plan

1.61%

Difference

1.02

Expected Higher returns with Direct Fund

5 Yr

₹55,467

10 Yr

₹1,23,233

20 Yr

₹3,04,335

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

SBI Automotive Opportunities Fund Direct - Growth

Auto & Transportation

Expense Ratio

Regular Plan

2.00%

Direct Plan

1.00%

Difference

1.00

Expected Higher returns with Direct Fund

5 Yr

₹53,070

10 Yr

₹1,14,372

20 Yr

₹2,65,757

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

SBI Banking & Financial Services Fund Direct-Growth

Banking

Expense Ratio

Regular Plan

2.17%

Direct Plan

1.18%

Difference

0.99

Expected Higher returns with Direct Fund

5 Yr

₹52,903

10 Yr

₹1,14,996

20 Yr

₹2,71,844

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

SBI Healthcare Opportunities Fund Direct Plan-Growth

Pharma

Expense Ratio

Regular Plan

1.99%

Direct Plan

1.00%

Difference

0.99

Expected Higher returns with Direct Fund

5 Yr

₹52,529

10 Yr

₹1,13,177

20 Yr

₹2,62,846

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

SBI PSU Direct Plan-Growth

PSU

Expense Ratio

Regular Plan

1.95%

Direct Plan

0.97%

Difference

0.98

Expected Higher returns with Direct Fund

5 Yr

₹51,927

10 Yr

₹1,11,686

20 Yr

₹2,58,485

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

SBI Innovative Opportunities Fund Direct-Growth

Innovation

Expense Ratio

Regular Plan

2.02%

Direct Plan

1.04%

Difference

0.98

Expected Higher returns with Direct Fund

5 Yr

₹52,070

10 Yr

₹1,12,382

20 Yr

₹2,61,894

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

SBI Retirement Benefit Fund - Aggressive Hybrid Plan Direct - Growth

Aggressive

Expense Ratio

Regular Plan

2.14%

Direct Plan

1.16%

Difference

0.98

Expected Higher returns with Direct Fund

5 Yr

₹52,317

10 Yr

₹1,13,583

20 Yr

₹2,67,837

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

SBI Technology Opportunities Fund Direct-Growth

Technology

Expense Ratio

Regular Plan

1.98%

Direct Plan

1.01%

Difference

0.97

Expected Higher returns with Direct Fund

5 Yr

₹51,468

10 Yr

₹1,10,890

20 Yr

₹2,57,522

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

SBI Retirement Benefit Fund - Aggressive Plan Direct - Growth

Flexi Cap

Expense Ratio

Regular Plan

2.08%

Direct Plan

1.11%

Difference

0.97

Expected Higher returns with Direct Fund

5 Yr

₹51,671

10 Yr

₹1,11,877

20 Yr

₹2,62,385

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

SBI Energy Opportunities Fund Direct - Growth

Energy

Expense Ratio

Regular Plan

1.88%

Direct Plan

0.92%

Difference

0.96

Expected Higher returns with Direct Fund

5 Yr

₹50,747

10 Yr

₹1,08,825

20 Yr

₹2,50,366

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

SBI Dividend Yield Fund Direct - Growth

Dividend Yield

Expense Ratio

Regular Plan

2.05%

Direct Plan

1.12%

Difference

0.93

Expected Higher returns with Direct Fund

5 Yr

₹49,521

10 Yr

₹1,07,166

20 Yr

₹2,51,069

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

SBI Infrastructure Fund Direct-Growth

Infrastructure

Expense Ratio

Regular Plan

2.07%

Direct Plan

1.19%

Difference

0.88

Expected Higher returns with Direct Fund

5 Yr

₹46,941

10 Yr

₹1,01,807

20 Yr

₹2,39,548

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

SBI Balanced Advantage Fund Direct - Growth

Dynamic Asset Allocation

Expense Ratio

Regular Plan

1.68%

Direct Plan

0.86%

Difference

0.82

Expected Higher returns with Direct Fund

5 Yr

₹43,124

10 Yr

₹91,881

20 Yr

₹2,08,633

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

SBI Small Cap Fund Direct-Growth

Small Cap

Expense Ratio

Regular Plan

1.60%

Direct Plan

0.80%

Difference

0.80

Expected Higher returns with Direct Fund

5 Yr

₹41,956

10 Yr

₹89,083

20 Yr

₹2,00,879

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

SBI Large & Midcap Fund Direct Plan-Growth

Large & MidCap

Expense Ratio

Regular Plan

1.66%

Direct Plan

0.86%

Difference

0.80

Expected Higher returns with Direct Fund

5 Yr

₹42,055

10 Yr

₹89,559

20 Yr

₹2,03,154

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

Know more about SBI Funds

Updated as on date13 Nov 2026

About SBI Mutual Fund

SBI 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 ofSBI 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. SBI Mutual Fund Direct Plans are available for all kinds of mutual funds namely.

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