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

2.10%

Direct Plan

0.52%

Difference

1.58

Expected Higher returns with Direct Fund

5 Yr

₹83,231

10 Yr

₹1,77,764

20 Yr

₹4,06,055

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

UTI Multi Cap Fund Direct-Growth

Multi Cap

Expense Ratio

Regular Plan

2.23%

Direct Plan

0.80%

Difference

1.43

Expected Higher returns with Direct Fund

5 Yr

₹75,939

10 Yr

₹1,63,819

20 Yr

₹3,81,651

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

UTI Innovation Fund Direct - Growth

Innovation

Expense Ratio

Regular Plan

2.38%

Direct Plan

1.09%

Difference

1.29

Expected Higher returns with Direct Fund

5 Yr

₹69,099

10 Yr

₹1,50,672

20 Yr

₹3,58,551

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

1.98%

Direct Plan

0.73%

Difference

1.25

Expected Higher returns with Direct Fund

5 Yr

₹65,961

10 Yr

₹1,41,161

20 Yr

₹3,23,548

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

UTI Focused Fund Direct - Growth

Flexi Cap

Expense Ratio

Regular Plan

2.14%

Direct Plan

0.90%

Difference

1.24

Expected Higher returns with Direct Fund

5 Yr

₹65,861

10 Yr

₹1,42,095

20 Yr

₹3,31,020

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

UTI Small Cap Fund Direct - Growth

Small Cap

Expense Ratio

Regular Plan

2.01%

Direct Plan

0.87%

Difference

1.14

Expected Higher returns with Direct Fund

5 Yr

₹60,358

10 Yr

₹1,29,703

20 Yr

₹2,99,703

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

1.97%

Direct Plan

0.88%

Difference

1.09

Expected Higher returns with Direct Fund

5 Yr

₹57,676

10 Yr

₹1,23,846

20 Yr

₹2,85,710

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

1.93%

Direct Plan

0.89%

Difference

1.04

Expected Higher returns with Direct Fund

5 Yr

₹54,998

10 Yr

₹1,18,004

20 Yr

₹2,71,799

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

2.42%

Direct Plan

1.43%

Difference

0.99

Expected Higher returns with Direct Fund

5 Yr

₹53,425

10 Yr

₹1,17,566

20 Yr

₹2,84,827

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

UTI Equity Savings Fund Direct - Growth

Equity Savings

Expense Ratio

Regular Plan

2.02%

Direct Plan

1.06%

Difference

0.96

Expected Higher returns with Direct Fund

5 Yr

₹51,028

10 Yr

₹1,10,184

20 Yr

₹2,57,016

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 ELSS Tax Saver Fund Direct-Growth

ELSS

Expense Ratio

Regular Plan

1.93%

Direct Plan

1.03%

Difference

0.90

Expected Higher returns with Direct Fund

5 Yr

₹47,725

10 Yr

₹1,02,746

20 Yr

₹2,38,225

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

UTI Long Duration Fund Direct - Growth

Long Duration

Expense Ratio

Regular Plan

1.67%

Direct Plan

0.78%

Difference

0.89

Expected Higher returns with Direct Fund

5 Yr

₹46,722

10 Yr

₹99,330

20 Yr

₹2,24,577

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

1.90%

Direct Plan

1.03%

Difference

0.87

Expected Higher returns with Direct Fund

5 Yr

₹46,107

10 Yr

₹99,188

20 Yr

₹2,29,621

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

1.63%

Difference

0.82

Expected Higher returns with Direct Fund

5 Yr

₹44,450

10 Yr

₹98,363

20 Yr

₹2,40,925

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

UTI Dynamic Bond Fund Direct-Growth

Dynamic Bond

Expense Ratio

Regular Plan

1.69%

Direct Plan

0.88%

Difference

0.81

Expected Higher returns with Direct Fund

5 Yr

₹42,623

10 Yr

₹90,881

20 Yr

₹2,06,665

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

UTI Mid Cap Fund Direct-Growth

Mid Cap

Expense Ratio

Regular Plan

1.86%

Direct Plan

1.05%

Difference

0.81

Expected Higher returns with Direct Fund

5 Yr

₹42,910

10 Yr

₹92,263

20 Yr

₹2,13,356

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

UTI Large Cap Fund Direct-Growth

Large Cap

Expense Ratio

Regular Plan

1.86%

Direct Plan

1.09%

Difference

0.77

Expected Higher returns with Direct Fund

5 Yr

₹40,823

10 Yr

₹87,861

20 Yr

₹2,03,563

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

UTI MNC Fund Direct-Growth

MNC

Expense Ratio

Regular Plan

2.12%

Direct Plan

1.36%

Difference

0.76

Expected Higher returns with Direct Fund

5 Yr

₹40,715

10 Yr

₹88,779

20 Yr

₹2,11,121

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

UTI Credit Risk Fund Direct-Growth

Credit Risk

Expense Ratio

Regular Plan

1.70%

Direct Plan

1.04%

Difference

0.66

Expected Higher returns with Direct Fund

5 Yr

₹34,846

10 Yr

₹74,607

20 Yr

₹1,71,047

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

Know more about UTI Funds

Updated as on date24 Jul 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 ofUTI 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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