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

1.92%

Direct Plan

0.76%

Difference

1.16

Expected Higher returns with Direct Fund

5 Yr

₹61,175

10 Yr

₹1,30,814

20 Yr

₹2,99,319

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

0.92%

Difference

1.05

Expected Higher returns with Direct Fund

5 Yr

₹55,603

10 Yr

₹1,19,510

20 Yr

₹2,76,225

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 Dynamic Asset Allocation Active FoF Direct - Growth

Dynamic Asset Allocation

Expense Ratio

Regular Plan

1.34%

Direct Plan

0.29%

Difference

1.05

Expected Higher returns with Direct Fund

5 Yr

₹54,235

10 Yr

₹1,12,994

20 Yr

₹2,45,396

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

1.91%

Direct Plan

0.87%

Difference

1.04

Expected Higher returns with Direct Fund

5 Yr

₹54,954

10 Yr

₹1,17,794

20 Yr

₹2,70,783

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

SBI Banking & Financial Services Fund Direct-Growth

Banking

Expense Ratio

Regular Plan

1.76%

Direct Plan

0.73%

Difference

1.03

Expected Higher returns with Direct Fund

5 Yr

₹54,115

10 Yr

₹1,15,168

20 Yr

₹2,60,979

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

1.93%

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 Retirement Benefit Fund - Aggressive Hybrid Plan Direct - Growth

Aggressive

Expense Ratio

Regular Plan

2.06%

Direct Plan

1.04%

Difference

1.02

Expected Higher returns with Direct Fund

5 Yr

₹54,239

10 Yr

₹1,17,179

20 Yr

₹2,73,635

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

SBI Technology Opportunities Fund Direct-Growth

Technology

Expense Ratio

Regular Plan

1.88%

Direct Plan

0.88%

Difference

1.00

Expected Higher returns with Direct Fund

5 Yr

₹52,820

10 Yr

₹1,13,161

20 Yr

₹2,59,851

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

0.80%

Difference

0.98

Expected Higher returns with Direct Fund

5 Yr

₹51,580

10 Yr

₹1,10,013

20 Yr

₹2,50,380

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

SBI Innovative Opportunities Fund Direct-Growth

Themed

Expense Ratio

Regular Plan

1.86%

Direct Plan

0.90%

Difference

0.96

Expected Higher returns with Direct Fund

5 Yr

₹50,707

10 Yr

₹1,08,632

20 Yr

₹2,49,430

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

1.06%

Difference

0.87

Expected Higher returns with Direct Fund

5 Yr

₹46,161

10 Yr

₹99,452

20 Yr

₹2,30,915

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

1.55%

Direct Plan

0.71%

Difference

0.84

Expected Higher returns with Direct Fund

5 Yr

₹43,932

10 Yr

₹92,958

20 Yr

₹2,08,188

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

0.74%

Difference

0.83

Expected Higher returns with Direct Fund

5 Yr

₹43,452

10 Yr

₹92,055

20 Yr

₹2,06,673

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 Multicap Fund Direct - Growth

Multi Cap

Expense Ratio

Regular Plan

1.66%

Direct Plan

0.83%

Difference

0.83

Expected Higher returns with Direct Fund

5 Yr

₹43,607

10 Yr

₹92,795

20 Yr

₹2,10,194

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

1.66%

Direct Plan

0.84%

Difference

0.82

Expected Higher returns with Direct Fund

5 Yr

₹43,090

10 Yr

₹91,718

20 Yr

₹2,07,852

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

SBI Flexicap Fund Direct-Growth

Flexi Cap

Expense Ratio

Regular Plan

1.66%

Direct Plan

0.84%

Difference

0.82

Expected Higher returns with Direct Fund

5 Yr

₹43,090

10 Yr

₹91,718

20 Yr

₹2,07,852

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

Know more about SBI Funds

Updated as on date 17 Dec 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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