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

0.34%

Difference

1.65

Expected Higher returns with Direct Fund

5 Yr

₹86,423

10 Yr

₹1,83,274

20 Yr

₹4,12,794

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

UTI Multi Cap Fund Direct-Growth

Multi Cap

Expense Ratio

Regular Plan

2.01%

Direct Plan

0.54%

Difference

1.47

Expected Higher returns with Direct Fund

5 Yr

₹77,328

10 Yr

₹1,64,858

20 Yr

₹3,75,139

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

UTI Innovation Fund Direct - Growth

Themed

Expense Ratio

Regular Plan

2.30%

Direct Plan

0.89%

Difference

1.41

Expected Higher returns with Direct Fund

5 Yr

₹75,113

10 Yr

₹1,62,675

20 Yr

₹3,81,957

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

0.54%

Difference

1.35

Expected Higher returns with Direct Fund

5 Yr

₹70,847

10 Yr

₹1,50,580

20 Yr

₹3,40,499

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

1.86%

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

1.71%

Direct Plan

0.58%

Difference

1.13

Expected Higher returns with Direct Fund

5 Yr

₹59,136

10 Yr

₹1,25,239

20 Yr

₹2,81,076

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

0.83%

Difference

1.07

Expected Higher returns with Direct Fund

5 Yr

₹56,484

10 Yr

₹1,20,926

20 Yr

₹2,77,316

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

1.09%

Difference

1.05

Expected Higher returns with Direct Fund

5 Yr

₹55,977

10 Yr

₹1,21,324

20 Yr

₹2,85,153

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

0.62%

Difference

1.02

Expected Higher returns with Direct Fund

5 Yr

₹53,347

10 Yr

₹1,12,889

20 Yr

₹2,52,917

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

1.30%

Difference

0.96

Expected Higher returns with Direct Fund

5 Yr

₹51,512

10 Yr

₹1,12,550

20 Yr

₹2,68,805

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

0.92%

Difference

0.96

Expected Higher returns with Direct Fund

5 Yr

₹50,747

10 Yr

₹1,08,825

20 Yr

₹2,50,366

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

0.95%

Difference

0.94

Expected Higher returns with Direct Fund

5 Yr

₹49,729

10 Yr

₹1,06,746

20 Yr

₹2,46,058

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

0.61%

Difference

0.91

Expected Higher returns with Direct Fund

5 Yr

₹47,471

10 Yr

₹1,00,127

20 Yr

₹2,22,837

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 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

UTI MNC Fund Direct-Growth

MNC

Expense Ratio

Regular Plan

2.02%

Direct Plan

1.26%

Difference

0.76

Expected Higher returns with Direct Fund

5 Yr

₹40,555

10 Yr

₹87,997

20 Yr

₹2,07,213

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

Know more about UTI Funds

Updated as on date 11 Dec 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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