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 Quant Fund Direct-Growth

Quant

Expense Ratio

Regular Plan

1.93%

Direct Plan

0.80%

Difference

1.13

Expected Higher returns with Direct Fund

5 Yr

₹59,652

10 Yr

₹1,27,712

20 Yr

₹2,92,920

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

SBI Consumption Opportunities Fund Direct-Growth

Consumption & Demand

Expense Ratio

Regular Plan

1.98%

Direct Plan

0.91%

Difference

1.07

Expected Higher returns with Direct Fund

5 Yr

₹56,663

10 Yr

₹1,21,788

20 Yr

₹2,81,503

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

SBI Automotive Opportunities Fund Direct - Growth

Auto & Transportation

Expense Ratio

Regular Plan

1.88%

Direct Plan

0.83%

Difference

1.05

Expected Higher returns with Direct Fund

5 Yr

₹55,406

10 Yr

₹1,18,559

20 Yr

₹2,71,607

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

1.92%

Direct Plan

0.88%

Difference

1.04

Expected Higher returns with Direct Fund

5 Yr

₹54,976

10 Yr

₹1,17,899

20 Yr

₹2,71,290

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

SBI Banking & Financial Services Fund Direct-Growth

Banking

Expense Ratio

Regular Plan

1.75%

Direct Plan

0.72%

Difference

1.03

Expected Higher returns with Direct Fund

5 Yr

₹54,094

10 Yr

₹1,15,066

20 Yr

₹2,60,489

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

1.34%

Direct Plan

0.31%

Difference

1.03

Expected Higher returns with Direct Fund

5 Yr

₹53,223

10 Yr

₹1,10,939

20 Yr

₹2,41,162

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

SBI PSU Direct Plan-Growth

PSU

Expense Ratio

Regular Plan

1.85%

Direct Plan

0.83%

Difference

1.02

Expected Higher returns with Direct Fund

5 Yr

₹53,791

10 Yr

₹1,15,016

20 Yr

₹2,63,083

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

SBI Healthcare Opportunities Fund Direct Plan-Growth

Pharma

Expense Ratio

Regular Plan

1.94%

Direct Plan

0.92%

Difference

1.02

Expected Higher returns with Direct Fund

5 Yr

₹53,983

10 Yr

₹1,15,939

20 Yr

₹2,67,557

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

2.05%

Direct Plan

1.04%

Difference

1.01

Expected Higher returns with Direct Fund

5 Yr

₹53,696

10 Yr

₹1,15,978

20 Yr

₹2,70,692

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

SBI Magnum Children's Benefit Fund - Investment Plan Direct - Growth

Aggressive

Expense Ratio

Regular Plan

1.82%

Direct Plan

0.81%

Difference

1.01

Expected Higher returns with Direct Fund

5 Yr

₹53,211

10 Yr

₹1,13,635

20 Yr

₹2,59,279

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

SBI Technology Opportunities Fund Direct-Growth

Technology

Expense Ratio

Regular Plan

1.90%

Direct Plan

0.90%

Difference

1.00

Expected Higher returns with Direct Fund

5 Yr

₹52,861

10 Yr

₹1,13,362

20 Yr

₹2,60,827

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

SBI Energy Opportunities Fund Direct - Growth

Energy

Expense Ratio

Regular Plan

1.79%

Direct Plan

0.80%

Difference

0.99

Expected Higher returns with Direct Fund

5 Yr

₹52,116

10 Yr

₹1,11,186

20 Yr

₹2,53,179

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

SBI Innovative Opportunities Fund Direct-Growth

Innovation

Expense Ratio

Regular Plan

1.89%

Direct Plan

0.93%

Difference

0.96

Expected Higher returns with Direct Fund

5 Yr

₹50,767

10 Yr

₹1,08,921

20 Yr

₹2,50,836

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

SBI Dividend Yield Fund Direct - Growth

Dividend Yield

Expense Ratio

Regular Plan

1.79%

Direct Plan

0.83%

Difference

0.96

Expected Higher returns with Direct Fund

5 Yr

₹50,567

10 Yr

₹1,07,959

20 Yr

₹2,46,178

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

SBI Infrastructure Fund Direct-Growth

Infrastructure

Expense Ratio

Regular Plan

1.93%

Direct Plan

1.04%

Difference

0.89

Expected Higher returns with Direct Fund

5 Yr

₹47,204

10 Yr

₹1,01,649

20 Yr

₹2,35,793

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

1.56%

Direct Plan

0.73%

Difference

0.83

Expected Higher returns with Direct Fund

5 Yr

₹43,435

10 Yr

₹91,974

20 Yr

₹2,06,285

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

SBI Flexicap Fund Direct-Growth

Flexi Cap

Expense Ratio

Regular Plan

1.67%

Direct Plan

0.84%

Difference

0.83

Expected Higher returns with Direct Fund

5 Yr

₹43,624

10 Yr

₹92,878

20 Yr

₹2,10,589

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

SBI Small Cap Fund Direct-Growth

Small Cap

Expense Ratio

Regular Plan

1.57%

Direct Plan

0.75%

Difference

0.82

Expected Higher returns with Direct Fund

5 Yr

₹42,937

10 Yr

₹90,986

20 Yr

₹2,04,370

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

SBI Magnum Mid Cap Direct Plan-Growth

Mid Cap

Expense Ratio

Regular Plan

1.67%

Direct Plan

0.85%

Difference

0.82

Expected Higher returns with Direct Fund

5 Yr

₹43,107

10 Yr

₹91,799

20 Yr

₹2,08,242

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

1.54%

Direct Plan

0.72%

Difference

0.82

Expected Higher returns with Direct Fund

5 Yr

₹42,886

10 Yr

₹90,744

20 Yr

₹2,03,222

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

Know more about SBI Funds

Updated as on date 21 Feb 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 of SBI 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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