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

Quant

Expense Ratio

Regular Plan

2.00%

Direct Plan

0.40%

Difference

1.60

Expected Higher returns with Direct Fund

5 Yr

₹83,920

10 Yr

₹1,78,266

20 Yr

₹4,02,833

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

UTI Innovation Fund Direct - Growth

Innovation

Expense Ratio

Regular Plan

2.34%

Direct Plan

0.93%

Difference

1.41

Expected Higher returns with Direct Fund

5 Yr

₹75,232

10 Yr

₹1,63,252

20 Yr

₹3,84,823

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

UTI Focused Fund Direct - Growth

Flexi Cap

Expense Ratio

Regular Plan

1.97%

Direct Plan

0.63%

Difference

1.34

Expected Higher returns with Direct Fund

5 Yr

₹70,558

10 Yr

₹1,50,597

20 Yr

₹3,43,396

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

UTI Multi Cap Fund Direct-Growth

Multi Cap

Expense Ratio

Regular Plan

1.98%

Direct Plan

0.65%

Difference

1.33

Expected Higher returns with Direct Fund

5 Yr

₹70,073

10 Yr

₹1,49,671

20 Yr

₹3,41,781

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

1.91%

Direct Plan

0.59%

Difference

1.32

Expected Higher returns with Direct Fund

5 Yr

₹69,368

10 Yr

₹1,47,689

20 Yr

₹3,35,089

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

1.69%

Direct Plan

0.57%

Difference

1.12

Expected Higher returns with Direct Fund

5 Yr

₹58,578

10 Yr

₹1,23,964

20 Yr

₹2,77,796

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

UTI Transportation and Logistics Fund Direct-Growth

Auto & Transportation

Expense Ratio

Regular Plan

1.91%

Direct Plan

0.82%

Difference

1.09

Expected Higher returns with Direct Fund

5 Yr

₹57,540

10 Yr

₹1,23,188

20 Yr

₹2,82,516

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

1.06%

Difference

1.08

Expected Higher returns with Direct Fund

5 Yr

₹57,543

10 Yr

₹1,24,627

20 Yr

₹2,92,504

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

UTI Equity Savings Fund Direct - Growth

Equity Savings

Expense Ratio

Regular Plan

1.67%

Direct Plan

0.67%

Difference

1.00

Expected Higher returns with Direct Fund

5 Yr

₹52,383

10 Yr

₹1,11,069

20 Yr

₹2,49,814

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

UTI Healthcare Fund Direct-Growth

Pharma

Expense Ratio

Regular Plan

2.27%

Direct Plan

1.29%

Difference

0.98

Expected Higher returns with Direct Fund

5 Yr

₹52,585

10 Yr

₹1,14,897

20 Yr

₹2,74,420

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

1.86%

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

UTI ELSS Tax Saver Fund Direct-Growth

ELSS

Expense Ratio

Regular Plan

1.89%

Direct Plan

0.94%

Difference

0.95

Expected Higher returns with Direct Fund

5 Yr

₹50,248

10 Yr

₹1,07,834

20 Yr

₹2,48,449

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

UTI Long Duration Fund Direct - Growth

Long Duration

Expense Ratio

Regular Plan

1.54%

Direct Plan

0.62%

Difference

0.92

Expected Higher returns with Direct Fund

5 Yr

₹48,021

10 Yr

₹1,01,363

20 Yr

₹2,25,927

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

1.59%

Difference

0.86

Expected Higher returns with Direct Fund

5 Yr

₹46,582

10 Yr

₹1,02,981

20 Yr

₹2,51,761

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

0.92%

Difference

0.84

Expected Higher returns with Direct Fund

5 Yr

₹44,298

10 Yr

₹94,710

20 Yr

₹2,16,556

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

0.91%

Difference

0.83

Expected Higher returns with Direct Fund

5 Yr

₹43,745

10 Yr

₹93,457

20 Yr

₹2,13,372

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

UTI Dynamic Bond Fund Direct-Growth

Dynamic Bond

Expense Ratio

Regular Plan

1.56%

Direct Plan

0.75%

Difference

0.81

Expected Higher returns with Direct Fund

5 Yr

₹42,405

10 Yr

₹89,836

20 Yr

₹2,01,684

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

1.27%

Difference

0.77

Expected Higher returns with Direct Fund

5 Yr

₹41,113

10 Yr

₹89,273

20 Yr

₹2,10,533

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

0.93%

Difference

0.72

Expected Higher returns with Direct Fund

5 Yr

₹37,894

10 Yr

₹80,816

20 Yr

₹1,83,839

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

Know more about UTI Funds

Updated as on date 14 Mar 2026

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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