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

2.01%

Direct Plan

0.30%

Difference

1.71

Expected Higher returns with Direct Fund

5 Yr

₹89,531

10 Yr

₹1,89,781

20 Yr

₹4,27,122

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

UTI Multi Cap Fund Direct-Growth

Multi Cap

Expense Ratio

Regular Plan

2.09%

Direct Plan

0.48%

Difference

1.61

Expected Higher returns with Direct Fund

5 Yr

₹84,728

10 Yr

₹1,80,742

20 Yr

₹4,11,884

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

UTI Innovation Fund Direct - Growth

Themed

Expense Ratio

Regular Plan

2.28%

Direct Plan

0.85%

Difference

1.43

Expected Higher returns with Direct Fund

5 Yr

₹76,089

10 Yr

₹1,64,547

20 Yr

₹3,85,238

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

1.90%

Direct Plan

0.52%

Difference

1.38

Expected Higher returns with Direct Fund

5 Yr

₹72,407

10 Yr

₹1,53,862

20 Yr

₹3,47,779

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

0.67%

Difference

1.29

Expected Higher returns with Direct Fund

5 Yr

₹67,965

10 Yr

₹1,45,165

20 Yr

₹3,31,454

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

UTI Small Cap Fund Direct - Growth

Small Cap

Expense Ratio

Regular Plan

1.86%

Direct Plan

0.65%

Difference

1.21

Expected Higher returns with Direct Fund

5 Yr

₹63,599

10 Yr

₹1,35,431

20 Yr

₹3,07,334

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

1.73%

Direct Plan

0.59%

Difference

1.14

Expected Higher returns with Direct Fund

5 Yr

₹59,694

10 Yr

₹1,26,517

20 Yr

₹2,84,372

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

UTI Transportation and Logistics Fund Direct-Growth

Themed

Expense Ratio

Regular Plan

1.93%

Direct Plan

0.83%

Difference

1.10

Expected Higher returns with Direct Fund

5 Yr

₹58,102

10 Yr

₹1,24,484

20 Yr

₹2,85,919

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

2.17%

Direct Plan

1.15%

Difference

1.02

Expected Higher returns with Direct Fund

5 Yr

₹54,474

10 Yr

₹1,18,326

20 Yr

₹2,79,321

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

UTI Healthcare Fund Direct-Growth

Pharma

Expense Ratio

Regular Plan

2.25%

Direct Plan

1.26%

Difference

0.99

Expected Higher returns with Direct Fund

5 Yr

₹53,069

10 Yr

₹1,15,813

20 Yr

₹2,75,937

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

0.89%

Difference

0.99

Expected Higher returns with Direct Fund

5 Yr

₹52,302

10 Yr

₹1,12,078

20 Yr

₹2,57,487

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

0.69%

Difference

0.95

Expected Higher returns with Direct Fund

5 Yr

₹49,754

10 Yr

₹1,05,465

20 Yr

₹2,37,068

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

UTI Long Duration Fund Direct - Growth

Long Duration

Expense Ratio

Regular Plan

1.48%

Direct Plan

0.56%

Difference

0.92

Expected Higher returns with Direct Fund

5 Yr

₹47,907

10 Yr

₹1,00,823

20 Yr

₹2,23,393

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

UTI India Consumer Fund Direct-Growth

Consumption & Demand

Expense Ratio

Regular Plan

2.45%

Direct Plan

1.55%

Difference

0.90

Expected Higher returns with Direct Fund

5 Yr

₹48,711

10 Yr

₹1,07,583

20 Yr

₹2,62,517

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

UTI Mid Cap Fund Direct-Growth

Mid Cap

Expense Ratio

Regular Plan

1.76%

Direct Plan

0.88%

Difference

0.88

Expected Higher returns with Direct Fund

5 Yr

₹46,371

10 Yr

₹99,046

20 Yr

₹2,26,041

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

1.93%

Direct Plan

1.05%

Difference

0.88

Expected Higher returns with Direct Fund

5 Yr

₹46,683

10 Yr

₹1,00,551

20 Yr

₹2,33,356

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

UTI Dynamic Bond Fund Direct-Growth

Dynamic Bond

Expense Ratio

Regular Plan

1.54%

Direct Plan

0.69%

Difference

0.85

Expected Higher returns with Direct Fund

5 Yr

₹44,429

10 Yr

₹93,940

20 Yr

₹2,10,078

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

UTI MNC Fund Direct-Growth

MNC

Expense Ratio

Regular Plan

2.04%

Direct Plan

1.20%

Difference

0.84

Expected Higher returns with Direct Fund

5 Yr

₹44,789

10 Yr

₹97,091

20 Yr

₹2,28,211

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

UTI Large Cap Fund Direct-Growth

Large Cap

Expense Ratio

Regular Plan

1.75%

Direct Plan

0.92%

Difference

0.83

Expected Higher returns with Direct Fund

5 Yr

₹43,762

10 Yr

₹93,540

20 Yr

₹2,13,773

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

UTI Value Fund Direct-Growth

Value Oriented

Expense Ratio

Regular Plan

1.82%

Direct Plan

1.13%

Difference

0.69

Expected Higher returns with Direct Fund

5 Yr

₹36,581

10 Yr

₹78,730

20 Yr

₹1,82,384

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

Know more about UTI Funds

Updated as on date 14 Aug 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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