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

Themed

Expense Ratio

Regular Plan

1.91%

Direct Plan

0.74%

Difference

1.17

Expected Higher returns with Direct Fund

5 Yr

₹61,666

10 Yr

₹1,31,767

20 Yr

₹3,01,062

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

SBI Innovative Opportunities Fund Direct-Growth

Themed

Expense Ratio

Regular Plan

1.79%

Direct Plan

0.64%

Difference

1.15

Expected Higher returns with Direct Fund

5 Yr

₹60,349

10 Yr

₹1,28,253

20 Yr

₹2,89,853

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

1.93%

Direct Plan

0.87%

Difference

1.06

Expected Higher returns with Direct Fund

5 Yr

₹56,033

10 Yr

₹1,20,168

20 Yr

₹2,76,524

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

SBI Automotive Opportunities Fund Direct - Growth

Themed

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 PSU Direct Plan-Growth

PSU

Expense Ratio

Regular Plan

1.87%

Direct Plan

0.84%

Difference

1.03

Expected Higher returns with Direct Fund

5 Yr

₹54,351

10 Yr

₹1,16,299

20 Yr

₹2,66,418

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

SBI Consumption Opportunities Fund Direct-Growth

Consumption & Demand

Expense Ratio

Regular Plan

1.97%

Direct Plan

0.94%

Difference

1.03

Expected Higher returns with Direct Fund

5 Yr

₹54,566

10 Yr

₹1,17,336

20 Yr

₹2,71,456

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

SBI Banking & Financial Services Fund Direct-Growth

Banking

Expense Ratio

Regular Plan

1.79%

Direct Plan

0.77%

Difference

1.02

Expected Higher returns with Direct Fund

5 Yr

₹53,664

10 Yr

₹1,14,405

20 Yr

₹2,60,140

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

SBI Healthcare Opportunities Fund Direct Plan-Growth

Pharma

Expense Ratio

Regular Plan

1.93%

Direct Plan

0.91%

Difference

1.02

Expected Higher returns with Direct Fund

5 Yr

₹53,961

10 Yr

₹1,15,836

20 Yr

₹2,67,057

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

SBI Technology Opportunities Fund Direct-Growth

Technology

Expense Ratio

Regular Plan

1.91%

Direct Plan

0.91%

Difference

1.00

Expected Higher returns with Direct Fund

5 Yr

₹52,882

10 Yr

₹1,13,462

20 Yr

₹2,61,316

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

2.09%

Direct Plan

1.09%

Difference

1.00

Expected Higher returns with Direct Fund

5 Yr

₹53,259

10 Yr

₹1,15,288

20 Yr

₹2,70,269

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

SBI Dividend Yield Fund Direct - Growth

Dividend Yield

Expense Ratio

Regular Plan

1.78%

Direct Plan

0.81%

Difference

0.97

Expected Higher returns with Direct Fund

5 Yr

₹51,063

10 Yr

₹1,08,938

20 Yr

₹2,48,051

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

SBI Energy Opportunities Fund Direct - Growth

Energy

Expense Ratio

Regular Plan

1.78%

Direct Plan

0.86%

Difference

0.92

Expected Higher returns with Direct Fund

5 Yr

₹48,479

10 Yr

₹1,03,550

20 Yr

₹2,36,339

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

SBI Infrastructure Fund Direct-Growth

Infrastructure

Expense Ratio

Regular Plan

1.90%

Direct Plan

0.99%

Difference

0.91

Expected Higher returns with Direct Fund

5 Yr

₹48,189

10 Yr

₹1,03,567

20 Yr

₹2,39,304

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

SBI Contra Direct Plan-Growth

Value Oriented

Expense Ratio

Regular Plan

1.50%

Direct Plan

0.65%

Difference

0.85

Expected Higher returns with Direct Fund

5 Yr

₹44,358

10 Yr

₹93,606

20 Yr

₹2,08,505

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

0.73%

Difference

0.84

Expected Higher returns with Direct Fund

5 Yr

₹43,967

10 Yr

₹93,124

20 Yr

₹2,08,971

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

1.56%

Direct Plan

0.72%

Difference

0.84

Expected Higher returns with Direct Fund

5 Yr

₹43,949

10 Yr

₹93,041

20 Yr

₹2,08,579

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

SBI Multi Asset Allocation Fund Direct-Growth

Multi Asset Allocation

Expense Ratio

Regular Plan

1.42%

Direct Plan

0.58%

Difference

0.84

Expected Higher returns with Direct Fund

5 Yr

₹43,706

10 Yr

₹91,888

20 Yr

₹2,03,162

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

0.84%

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 Large & Midcap Fund Direct Plan-Growth

Large & MidCap

Expense Ratio

Regular Plan

1.58%

Direct Plan

0.75%

Difference

0.83

Expected Higher returns with Direct Fund

5 Yr

₹43,469

10 Yr

₹92,137

20 Yr

₹2,07,061

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

0.85%

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

Know more about SBI Funds

Updated as on date 29 Aug 2025

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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