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 Quality Fund Direct - Growth

Themed

Expense Ratio

Regular Plan

2.39%

Direct Plan

1.21%

Difference

1.18

Expected Higher returns with Direct Fund

5 Yr

₹63,368

10 Yr

₹1,38,607

20 Yr

₹3,31,856

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

SBI Quant Fund Direct-Growth

Quant

Expense Ratio

Regular Plan

2.66%

Direct Plan

1.59%

Difference

1.07

Expected Higher returns with Direct Fund

5 Yr

₹58,197

10 Yr

₹1,29,334

20 Yr

₹3,19,596

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

SBI Automotive Opportunities Fund Direct - Growth

Auto & Transportation

Expense Ratio

Regular Plan

2.04%

Direct Plan

1.01%

Difference

1.03

Expected Higher returns with Direct Fund

5 Yr

₹54,716

10 Yr

₹1,18,066

20 Yr

₹2,75,036

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

SBI Consumption Opportunities Fund Direct-Growth

Consumption & Demand

Expense Ratio

Regular Plan

2.13%

Direct Plan

1.13%

Difference

1.00

Expected Higher returns with Direct Fund

5 Yr

₹53,343

10 Yr

₹1,15,697

20 Yr

₹2,72,298

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

2.13%

Direct Plan

1.13%

Difference

1.00

Expected Higher returns with Direct Fund

5 Yr

₹53,343

10 Yr

₹1,15,697

20 Yr

₹2,72,298

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

SBI Innovative Opportunities Fund Direct-Growth

Innovation

Expense Ratio

Regular Plan

2.01%

Direct Plan

1.02%

Difference

0.99

Expected Higher returns with Direct Fund

5 Yr

₹52,571

10 Yr

₹1,13,378

20 Yr

₹2,63,832

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

SBI Banking & Financial Services Fund Direct-Growth

Banking

Expense Ratio

Regular Plan

2.05%

Direct Plan

1.07%

Difference

0.98

Expected Higher returns with Direct Fund

5 Yr

₹52,132

10 Yr

₹1,12,681

20 Yr

₹2,63,368

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

SBI Technology Opportunities Fund Direct-Growth

Technology

Expense Ratio

Regular Plan

2.00%

Direct Plan

1.02%

Difference

0.98

Expected Higher returns with Direct Fund

5 Yr

₹52,029

10 Yr

₹1,12,182

20 Yr

₹2,60,915

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

SBI Healthcare Opportunities Fund Direct Plan-Growth

Pharma

Expense Ratio

Regular Plan

2.00%

Direct Plan

1.02%

Difference

0.98

Expected Higher returns with Direct Fund

5 Yr

₹52,029

10 Yr

₹1,12,182

20 Yr

₹2,60,915

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

SBI Energy Opportunities Fund Direct - Growth

Energy

Expense Ratio

Regular Plan

1.81%

Direct Plan

0.84%

Difference

0.97

Expected Higher returns with Direct Fund

5 Yr

₹51,124

10 Yr

₹1,09,229

20 Yr

₹2,49,450

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

2.07%

Direct Plan

1.10%

Difference

0.97

Expected Higher returns with Direct Fund

5 Yr

₹51,651

10 Yr

₹1,11,778

20 Yr

₹2,61,895

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

0.37%

Difference

0.97

Expected Higher returns with Direct Fund

5 Yr

₹50,182

10 Yr

₹1,04,753

20 Yr

₹2,28,362

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

SBI PSU Direct Plan-Growth

PSU

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

2.06%

Direct Plan

1.12%

Difference

0.94

Expected Higher returns with Direct Fund

5 Yr

₹50,063

10 Yr

₹1,08,367

20 Yr

₹2,54,012

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

SBI Infrastructure Fund Direct-Growth

Infrastructure

Expense Ratio

Regular Plan

2.03%

Direct Plan

1.17%

Difference

0.86

Expected Higher returns with Direct Fund

5 Yr

₹45,820

10 Yr

₹99,228

20 Yr

₹2,32,783

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

SBI Focused Equity Fund Direct Plan-Growth

Focused

Expense Ratio

Regular Plan

1.64%

Direct Plan

0.84%

Difference

0.80

Expected Higher returns with Direct Fund

5 Yr

₹42,022

10 Yr

₹89,400

20 Yr

₹2,02,393

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

0.88%

Difference

0.80

Expected Higher returns with Direct Fund

5 Yr

₹42,088

10 Yr

₹89,719

20 Yr

₹2,03,918

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

SBI Flexicap Fund Direct-Growth

Flexi Cap

Expense Ratio

Regular Plan

2.07%

Direct Plan

1.27%

Difference

0.80

Expected Higher returns with Direct Fund

5 Yr

₹42,741

10 Yr

₹92,876

20 Yr

₹2,19,364

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

SBI Small Cap Fund Direct-Growth

Small Cap

Expense Ratio

Regular Plan

1.58%

Direct Plan

0.79%

Difference

0.79

Expected Higher returns with Direct Fund

5 Yr

₹41,407

10 Yr

₹87,852

20 Yr

₹1,97,806

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

SBI Contra Direct Plan-Growth

Value Oriented

Expense Ratio

Regular Plan

1.61%

Direct Plan

0.84%

Difference

0.77

Expected Higher returns with Direct Fund

5 Yr

₹40,422

10 Yr

₹85,932

20 Yr

₹1,94,243

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

Know more about SBI Funds

Updated as on date15 Aug 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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