UTI Mutual Funds Direct v/s Regular Plans

UTI 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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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

UTI Quant Fund Direct - Growth

Themed

Expense Ratio

Regular Plan

1.99%

Direct Plan

0.31%

Difference

1.68

Expected Higher returns with Direct Fund

5 Yr

₹87,943

10 Yr

₹1,86,363

20 Yr

₹4,19,176

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

UTI Multi Cap Fund Direct-Growth

Multi Cap

Expense Ratio

Regular Plan

2.02%

Direct Plan

0.42%

Difference

1.60

Expected Higher returns with Direct Fund

5 Yr

₹83,986

10 Yr

₹1,78,583

20 Yr

₹4,04,347

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

UTI Innovation Fund Direct - Growth

Themed

Expense Ratio

Regular Plan

2.29%

Direct Plan

0.88%

Difference

1.41

Expected Higher returns with Direct Fund

5 Yr

₹75,084

10 Yr

₹1,62,531

20 Yr

₹3,81,243

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

UTI Balanced Advantage Fund Direct - Growth

Dynamic Asset Allocation

Expense Ratio

Regular Plan

1.89%

Direct Plan

0.51%

Difference

1.38

Expected Higher returns with Direct Fund

5 Yr

₹72,378

10 Yr

₹1,53,725

20 Yr

₹3,47,127

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

UTI Focused Fund Direct - Growth

Flexi Cap

Expense Ratio

Regular Plan

1.96%

Direct Plan

0.62%

Difference

1.34

Expected Higher returns with Direct Fund

5 Yr

₹70,530

10 Yr

₹1,50,463

20 Yr

₹3,42,753

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

UTI Small Cap Fund Direct - Growth

Small Cap

Expense Ratio

Regular Plan

1.85%

Direct Plan

0.63%

Difference

1.22

Expected Higher returns with Direct Fund

5 Yr

₹64,086

10 Yr

₹1,36,369

20 Yr

₹3,09,014

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

UTI Multi Asset Allocation Fund Direct-Growth

Multi Asset Allocation

Expense Ratio

Regular Plan

1.72%

Direct Plan

0.58%

Difference

1.14

Expected Higher returns with Direct Fund

5 Yr

₹59,671

10 Yr

₹1,26,404

20 Yr

₹2,83,839

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

UTI Transportation and Logistics Fund Direct-Growth

Themed

Expense Ratio

Regular Plan

1.90%

Direct Plan

0.82%

Difference

1.08

Expected Higher returns with Direct Fund

5 Yr

₹57,001

10 Yr

₹1,22,003

20 Yr

₹2,79,654

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

UTI Banking and Financial Services Fund Direct Plan-Growth

Banking

Expense Ratio

Regular Plan

2.14%

Direct Plan

1.11%

Difference

1.03

Expected Higher returns with Direct Fund

5 Yr

₹54,932

10 Yr

₹1,19,117

20 Yr

₹2,80,229

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

UTI Equity Savings Fund Direct - Growth

Equity Savings

Expense Ratio

Regular Plan

1.64%

Direct Plan

0.64%

Difference

1.00

Expected Higher returns with Direct Fund

5 Yr

₹52,321

10 Yr

₹1,10,772

20 Yr

₹2,48,410

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

UTI ELSS Tax Saver Fund Direct-Growth

ELSS

Expense Ratio

Regular Plan

1.88%

Direct Plan

0.91%

Difference

0.97

Expected Higher returns with Direct Fund

5 Yr

₹51,265

10 Yr

₹1,09,910

20 Yr

₹2,52,744

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

UTI Healthcare Fund Direct-Growth

Pharma

Expense Ratio

Regular Plan

2.26%

Direct Plan

1.31%

Difference

0.95

Expected Higher returns with Direct Fund

5 Yr

₹50,985

10 Yr

₹1,11,427

20 Yr

₹2,66,246

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

UTI Large & Mid Cap Fund Direct-Growth

Large & MidCap

Expense Ratio

Regular Plan

1.89%

Direct Plan

0.97%

Difference

0.92

Expected Higher returns with Direct Fund

5 Yr

₹48,690

10 Yr

₹1,04,566

20 Yr

₹2,41,261

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

UTI Long Duration Fund Direct - Growth

Long Duration

Expense Ratio

Regular Plan

1.52%

Direct Plan

0.63%

Difference

0.89

Expected Higher returns with Direct Fund

5 Yr

₹46,446

10 Yr

₹98,013

20 Yr

₹2,18,338

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

UTI India Consumer Fund Direct-Growth

Consumption & Demand

Expense Ratio

Regular Plan

2.43%

Direct Plan

1.57%

Difference

0.86

Expected Higher returns with Direct Fund

5 Yr

₹46,546

10 Yr

₹1,02,799

20 Yr

₹2,50,825

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

UTI Mid Cap Fund Direct-Growth

Mid Cap

Expense Ratio

Regular Plan

1.75%

Direct Plan

0.91%

Difference

0.84

Expected Higher returns with Direct Fund

5 Yr

₹44,280

10 Yr

₹94,626

20 Yr

₹2,16,151

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

UTI Dynamic Bond Fund Direct-Growth

Dynamic Bond

Expense Ratio

Regular Plan

1.55%

Direct Plan

0.73%

Difference

0.82

Expected Higher returns with Direct Fund

5 Yr

₹42,903

10 Yr

₹90,825

20 Yr

₹2,03,604

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

UTI Large Cap Fund Direct-Growth

Large Cap

Expense Ratio

Regular Plan

1.74%

Direct Plan

0.93%

Difference

0.81

Expected Higher returns with Direct Fund

5 Yr

₹42,707

10 Yr

₹91,285

20 Yr

₹2,08,612

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

UTI MNC Fund Direct-Growth

MNC

Expense Ratio

Regular Plan

2.02%

Direct Plan

1.25%

Difference

0.77

Expected Higher returns with Direct Fund

5 Yr

₹41,081

10 Yr

₹89,115

20 Yr

₹2,09,748

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

UTI Credit Risk Fund Direct-Growth

Credit Risk

Expense Ratio

Regular Plan

1.65%

Direct Plan

0.88%

Difference

0.77

Expected Higher returns with Direct Fund

5 Yr

₹40,486

10 Yr

₹86,238

20 Yr

₹1,95,707

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

Know more about UTI Funds

Updated as on date 15 Nov 2025

About UTI Mutual Fund

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

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