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direct-vs-regular

Equity Direct v/s Regular Plans

Equity 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
Select:
All Mutual Funds
Equity
All Sub-Categories
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
ITI Focused Equity Fund Direct - Growth
ITI Focused Equity Fund Direct - Growth
Flexi Cap
Flexi Cap
Expense Ratio
Regular Plan
2.29%
Direct Plan
0.29%
Difference
2.00
Expected Higher returns with Direct Fund
5 Yr
₹1,05,281
10 Yr
₹2,24,717
20 Yr
₹5,13,137
Get up to 1% more on Paytm Money with direct Mutual Funds
Groww Banking & Financial Services Fund Direct - Growth
Groww Banking & Financial Services Fund Direct - Growth
Banking
Banking
Expense Ratio
Regular Plan
2.30%
Direct Plan
0.36%
Difference
1.94
Expected Higher returns with Direct Fund
5 Yr
₹1,02,283
10 Yr
₹2,18,736
20 Yr
₹5,01,325
Get up to 1% more on Paytm Money with direct Mutual Funds
ITI Banking and Financial Services Fund Direct - Growth
ITI Banking and Financial Services Fund Direct - Growth
Banking
Banking
Expense Ratio
Regular Plan
2.34%
Direct Plan
0.40%
Difference
1.94
Expected Higher returns with Direct Fund
5 Yr
₹1,02,444
10 Yr
₹2,19,514
20 Yr
₹5,05,096
Get up to 1% more on Paytm Money with direct Mutual Funds
ITI Pharma and Healthcare Fund Direct - Growth
ITI Pharma and Healthcare Fund Direct - Growth
Pharma
Pharma
Expense Ratio
Regular Plan
2.35%
Direct Plan
0.47%
Difference
1.88
Expected Higher returns with Direct Fund
5 Yr
₹99,431
10 Yr
₹2,13,467
20 Yr
₹4,93,000
Get up to 1% more on Paytm Money with direct Mutual Funds
Groww Multicap Fund Direct-Growth
Groww Multicap Fund Direct-Growth
Multi Cap
Multi Cap
Expense Ratio
Regular Plan
2.30%
Direct Plan
0.45%
Difference
1.85
Expected Higher returns with Direct Fund
5 Yr
₹97,709
10 Yr
₹2,09,403
20 Yr
₹4,81,888
Get up to 1% more on Paytm Money with direct Mutual Funds
TRUSTMF Multi Cap Fund Direct-Growth
TRUSTMF Multi Cap Fund Direct-Growth
Multi Cap
Multi Cap
Expense Ratio
Regular Plan
2.35%
Direct Plan
0.50%
Difference
1.85
Expected Higher returns with Direct Fund
5 Yr
₹97,902
10 Yr
₹2,10,334
20 Yr
₹4,86,422
Get up to 1% more on Paytm Money with direct Mutual Funds
ITI Bharat Consumption Fund Direct-Growth
ITI Bharat Consumption Fund Direct-Growth
Consumption & Demand
Consumption & Demand
Expense Ratio
Regular Plan
2.34%
Direct Plan
0.50%
Difference
1.84
Expected Higher returns with Direct Fund
5 Yr
₹97,353
10 Yr
₹2,09,102
20 Yr
₹4,83,315
Get up to 1% more on Paytm Money with direct Mutual Funds
ITI Large Cap Fund Direct - Growth
ITI Large Cap Fund Direct - Growth
Large Cap
Large Cap
Expense Ratio
Regular Plan
2.34%
Direct Plan
0.52%
Difference
1.82
Expected Higher returns with Direct Fund
5 Yr
₹96,333
10 Yr
₹2,07,008
20 Yr
₹4,78,909
Get up to 1% more on Paytm Money with direct Mutual Funds
Mahindra Manulife Value Fund Direct-Growth
Mahindra Manulife Value Fund Direct-Growth
Value Oriented
Value Oriented
Expense Ratio
Regular Plan
2.30%
Direct Plan
0.48%
Difference
1.82
Expected Higher returns with Direct Fund
5 Yr
₹96,181
10 Yr
₹2,06,275
20 Yr
₹4,75,335
Get up to 1% more on Paytm Money with direct Mutual Funds
Mahindra Manulife Banking & Financial Services Fund Direct-Growth
Mahindra Manulife Banking & Financial Services Fund Direct-Growth
Banking
Banking
Expense Ratio
Regular Plan
2.36%
Direct Plan
0.55%
Difference
1.81
Expected Higher returns with Direct Fund
5 Yr
₹95,898
10 Yr
₹2,06,326
20 Yr
₹4,78,488
Get up to 1% more on Paytm Money with direct Mutual Funds
ITI Value Fund Direct - Growth
ITI Value Fund Direct - Growth
Value Oriented
Value Oriented
Expense Ratio
Regular Plan
2.37%
Direct Plan
0.57%
Difference
1.80
Expected Higher returns with Direct Fund
5 Yr
₹95,424
10 Yr
₹2,05,457
20 Yr
₹4,77,159
Get up to 1% more on Paytm Money with direct Mutual Funds
Baroda BNP Paribas Focused Fund Direct - Growth
Baroda BNP Paribas Focused Fund Direct - Growth
Flexi Cap
Flexi Cap
Expense Ratio
Regular Plan
2.28%
Direct Plan
0.48%
Difference
1.80
Expected Higher returns with Direct Fund
5 Yr
₹95,086
10 Yr
₹2,03,823
20 Yr
₹4,69,185
Get up to 1% more on Paytm Money with direct Mutual Funds
Baroda BNP Paribas Business Conglomerates Fund Direct-Growth
Baroda BNP Paribas Business Conglomerates Fund Direct-Growth
Themed
Themed
Expense Ratio
Regular Plan
2.26%
Direct Plan
0.50%
Difference
1.76
Expected Higher returns with Direct Fund
5 Yr
₹92,973
10 Yr
₹1,99,285
20 Yr
₹4,58,668
Get up to 1% more on Paytm Money with direct Mutual Funds
JM Large & Mid Cap Fund Direct-Growth
JM Large & Mid Cap Fund Direct-Growth
Large & MidCap
Large & MidCap
Expense Ratio
Regular Plan
2.34%
Direct Plan
0.59%
Difference
1.75
Expected Higher returns with Direct Fund
5 Yr
₹92,755
10 Yr
₹1,99,651
20 Yr
₹4,63,357
Get up to 1% more on Paytm Money with direct Mutual Funds
Navi Large & Midcap Fund Direct-Growth
Navi Large & Midcap Fund Direct-Growth
Large & MidCap
Large & MidCap
Expense Ratio
Regular Plan
2.26%
Direct Plan
0.52%
Difference
1.74
Expected Higher returns with Direct Fund
5 Yr
₹91,952
10 Yr
₹1,97,191
20 Yr
₹4,54,262
Get up to 1% more on Paytm Money with direct Mutual Funds
WhiteOak Capital Digital Bharat Fund Direct-Growth
WhiteOak Capital Digital Bharat Fund Direct-Growth
Technology
Technology
Expense Ratio
Regular Plan
2.39%
Direct Plan
0.65%
Difference
1.74
Expected Higher returns with Direct Fund
5 Yr
₹92,425
10 Yr
₹1,99,478
20 Yr
₹4,65,452
Get up to 1% more on Paytm Money with direct Mutual Funds
WhiteOak Capital Pharma and Healthcare Fund Direct - Growth
WhiteOak Capital Pharma and Healthcare Fund Direct - Growth
Pharma
Pharma
Expense Ratio
Regular Plan
2.38%
Direct Plan
0.65%
Difference
1.73
Expected Higher returns with Direct Fund
5 Yr
₹91,875
10 Yr
₹1,98,242
20 Yr
₹4,62,323
Get up to 1% more on Paytm Money with direct Mutual Funds
WhiteOak Capital ESG Best-In-Class Strategy Fund Direct-Growth
WhiteOak Capital ESG Best-In-Class Strategy Fund Direct-Growth
Thematic-ESG
Thematic-ESG
Expense Ratio
Regular Plan
2.34%
Direct Plan
0.61%
Difference
1.73
Expected Higher returns with Direct Fund
5 Yr
₹91,730
10 Yr
₹1,97,540
20 Yr
₹4,58,875
Get up to 1% more on Paytm Money with direct Mutual Funds
WhiteOak Capital Banking & Financial Services Fund Direct - Growth
WhiteOak Capital Banking & Financial Services Fund Direct - Growth
Banking
Banking
Expense Ratio
Regular Plan
2.36%
Direct Plan
0.64%
Difference
1.72
Expected Higher returns with Direct Fund
5 Yr
₹91,290
10 Yr
₹1,96,832
20 Yr
₹4,58,340
Get up to 1% more on Paytm Money with direct Mutual Funds
Mahindra Manulife Consumption Fund Direct - Growth
Mahindra Manulife Consumption Fund Direct - Growth
Consumption & Demand
Consumption & Demand
Expense Ratio
Regular Plan
2.35%
Direct Plan
0.63%
Difference
1.72
Expected Higher returns with Direct Fund
5 Yr
₹91,254
10 Yr
₹1,96,658
20 Yr
₹4,57,483
Get up to 1% more on Paytm Money with direct Mutual Funds
PGIM India Multi Cap Fund Direct-Growth
PGIM India Multi Cap Fund Direct-Growth
Multi Cap
Multi Cap
Expense Ratio
Regular Plan
2.39%
Direct Plan
0.67%
Difference
1.72
Expected Higher returns with Direct Fund
5 Yr
₹91,398
10 Yr
₹1,97,356
20 Yr
₹4,60,920
Get up to 1% more on Paytm Money with direct Mutual Funds
WhiteOak Capital Quality Equity Fund Direct-Growth
WhiteOak Capital Quality Equity Fund Direct-Growth
Themed
Themed
Expense Ratio
Regular Plan
2.32%
Direct Plan
0.61%
Difference
1.71
Expected Higher returns with Direct Fund
5 Yr
₹90,634
10 Yr
₹1,95,079
20 Yr
₹4,52,679
Get up to 1% more on Paytm Money with direct Mutual Funds
PGIM India Healthcare Fund Direct-Growth
PGIM India Healthcare Fund Direct-Growth
Pharma
Pharma
Expense Ratio
Regular Plan
2.37%
Direct Plan
0.66%
Difference
1.71
Expected Higher returns with Direct Fund
5 Yr
₹90,813
10 Yr
₹1,95,946
20 Yr
₹4,56,935
Get up to 1% more on Paytm Money with direct Mutual Funds
Edelweiss Technology Fund Direct - Growth
Edelweiss Technology Fund Direct - Growth
Technology
Technology
Expense Ratio
Regular Plan
2.29%
Direct Plan
0.59%
Difference
1.70
Expected Higher returns with Direct Fund
5 Yr
₹90,015
10 Yr
₹1,93,507
20 Yr
₹4,47,910
Get up to 1% more on Paytm Money with direct Mutual Funds
PGIM India Large and Mid Cap Fund Direct - Growth
PGIM India Large and Mid Cap Fund Direct - Growth
Large & MidCap
Large & MidCap
Expense Ratio
Regular Plan
2.26%
Direct Plan
0.57%
Difference
1.69
Expected Higher returns with Direct Fund
5 Yr
₹89,397
10 Yr
₹1,91,941
20 Yr
₹4,43,174
Get up to 1% more on Paytm Money with direct Mutual Funds
Sundaram Multi-Factor Fund Direct-Growth
Sundaram Multi-Factor Fund Direct-Growth
Themed
Themed
Expense Ratio
Regular Plan
2.18%
Direct Plan
0.49%
Difference
1.69
Expected Higher returns with Direct Fund
5 Yr
₹89,115
10 Yr
₹1,90,583
20 Yr
₹4,36,582
Get up to 1% more on Paytm Money with direct Mutual Funds
JM Small Cap Fund Direct - Growth
JM Small Cap Fund Direct - Growth
Small Cap
Small Cap
Expense Ratio
Regular Plan
2.27%
Direct Plan
0.59%
Difference
1.68
Expected Higher returns with Direct Fund
5 Yr
₹88,921
10 Yr
₹1,91,057
20 Yr
₹4,41,771
Get up to 1% more on Paytm Money with direct Mutual Funds
UTI Quant Fund Direct - Growth
UTI Quant Fund Direct - Growth
Themed
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
Invesco India Consumption Fund Direct - Growth
Invesco India Consumption Fund Direct - Growth
Consumption & Demand
Consumption & Demand
Expense Ratio
Regular Plan
2.37%
Direct Plan
0.69%
Difference
1.68
Expected Higher returns with Direct Fund
5 Yr
₹89,272
10 Yr
₹1,92,759
20 Yr
₹4,50,116
Get up to 1% more on Paytm Money with direct Mutual Funds
Edelweiss Consumption Fund Direct-Growth
Edelweiss Consumption Fund Direct-Growth
Consumption & Demand
Consumption & Demand
Expense Ratio
Regular Plan
2.39%
Direct Plan
0.71%
Difference
1.68
Expected Higher returns with Direct Fund
5 Yr
₹89,342
10 Yr
₹1,93,101
20 Yr
₹4,51,803
Get up to 1% more on Paytm Money with direct Mutual Funds
Navi Flexi Cap Fund Direct - Growth
Navi Flexi Cap Fund Direct - Growth
Flexi Cap
Flexi Cap
Expense Ratio
Regular Plan
2.23%
Direct Plan
0.56%
Difference
1.67
Expected Higher returns with Direct Fund
5 Yr
₹88,269
10 Yr
₹1,89,329
20 Yr
₹4,36,252
Get up to 1% more on Paytm Money with direct Mutual Funds
Mahindra Manulife Large Cap Fund Direct - Growth
Mahindra Manulife Large Cap Fund Direct - Growth
Large Cap
Large Cap
Expense Ratio
Regular Plan
2.30%
Direct Plan
0.64%
Difference
1.66
Expected Higher returns with Direct Fund
5 Yr
₹88,000
10 Yr
₹1,89,450
20 Yr
₹4,39,752
Get up to 1% more on Paytm Money with direct Mutual Funds
Baroda BNP Paribas Dividend Yield Fund Direct-Growth
Baroda BNP Paribas Dividend Yield Fund Direct-Growth
Dividend Yield
Dividend Yield
Expense Ratio
Regular Plan
2.18%
Direct Plan
0.52%
Difference
1.66
Expected Higher returns with Direct Fund
5 Yr
₹87,585
10 Yr
₹1,87,443
20 Yr
₹4,29,979
Get up to 1% more on Paytm Money with direct Mutual Funds
Tata Housing Opportunities Fund Direct - Growth
Tata Housing Opportunities Fund Direct - Growth
Themed
Themed
Expense Ratio
Regular Plan
2.37%
Direct Plan
0.72%
Difference
1.65
Expected Higher returns with Direct Fund
5 Yr
₹87,729
10 Yr
₹1,89,563
20 Yr
₹4,43,260
Get up to 1% more on Paytm Money with direct Mutual Funds
Bajaj Finserv Healthcare Fund Direct-Growth
Bajaj Finserv Healthcare Fund Direct-Growth
Pharma
Pharma
Expense Ratio
Regular Plan
2.37%
Direct Plan
0.72%
Difference
1.65
Expected Higher returns with Direct Fund
5 Yr
₹87,729
10 Yr
₹1,89,563
20 Yr
₹4,43,260
Get up to 1% more on Paytm Money with direct Mutual Funds
JM Focused Direct Plan-Growth
JM Focused Direct Plan-Growth
Flexi Cap
Flexi Cap
Expense Ratio
Regular Plan
2.38%
Direct Plan
0.74%
Difference
1.64
Expected Higher returns with Direct Fund
5 Yr
₹87,249
10 Yr
₹1,88,663
20 Yr
₹4,41,791
Get up to 1% more on Paytm Money with direct Mutual Funds
Kotak Healthcare Fund Direct - Growth
Kotak Healthcare Fund Direct - Growth
Pharma
Pharma
Expense Ratio
Regular Plan
2.40%
Direct Plan
0.76%
Difference
1.64
Expected Higher returns with Direct Fund
5 Yr
₹87,317
10 Yr
₹1,88,998
20 Yr
₹4,43,446
Get up to 1% more on Paytm Money with direct Mutual Funds
TRUSTMF Small Cap Fund Direct-Growth
TRUSTMF Small Cap Fund Direct-Growth
Small Cap
Small Cap
Expense Ratio
Regular Plan
2.11%
Direct Plan
0.47%
Difference
1.64
Expected Higher returns with Direct Fund
5 Yr
₹86,325
10 Yr
₹1,84,197
20 Yr
₹4,20,009
Get up to 1% more on Paytm Money with direct Mutual Funds
Samco Large Cap Fund Direct - Growth
Samco Large Cap Fund Direct - Growth
Large Cap
Large Cap
Expense Ratio
Regular Plan
2.38%
Direct Plan
0.74%
Difference
1.64
Expected Higher returns with Direct Fund
5 Yr
₹87,249
10 Yr
₹1,88,663
20 Yr
₹4,41,791
Get up to 1% more on Paytm Money with direct Mutual Funds
Tata Dividend Yield Fund Direct - Growth
Tata Dividend Yield Fund Direct - Growth
Dividend Yield
Dividend Yield
Expense Ratio
Regular Plan
2.16%
Direct Plan
0.53%
Difference
1.63
Expected Higher returns with Direct Fund
5 Yr
₹85,985
10 Yr
₹1,83,969
20 Yr
₹4,21,755
Get up to 1% more on Paytm Money with direct Mutual Funds
ITI Small Cap Fund Direct - Growth
ITI Small Cap Fund Direct - Growth
Small Cap
Small Cap
Expense Ratio
Regular Plan
1.85%
Direct Plan
0.22%
Difference
1.63
Expected Higher returns with Direct Fund
5 Yr
₹84,937
10 Yr
₹1,78,967
20 Yr
₹3,97,916
Get up to 1% more on Paytm Money with direct Mutual Funds
Bank of India Bluechip Fund Direct-Growth
Bank of India Bluechip Fund Direct-Growth
Large Cap
Large Cap
Expense Ratio
Regular Plan
2.41%
Direct Plan
0.78%
Difference
1.63
Expected Higher returns with Direct Fund
5 Yr
₹86,836
10 Yr
₹1,88,093
20 Yr
₹4,41,960
Get up to 1% more on Paytm Money with direct Mutual Funds
Bank of India Manufacturing & Infrastructure Direct-Growth
Bank of India Manufacturing & Infrastructure Direct-Growth
Infrastructure
Infrastructure
Expense Ratio
Regular Plan
2.33%
Direct Plan
0.71%
Difference
1.62
Expected Higher returns with Direct Fund
5 Yr
₹86,049
10 Yr
₹1,85,699
20 Yr
₹4,33,111
Get up to 1% more on Paytm Money with direct Mutual Funds
Mahindra Manulife Flexi Cap Fund Direct - Growth
Mahindra Manulife Flexi Cap Fund Direct - Growth
Flexi Cap
Flexi Cap
Expense Ratio
Regular Plan
2.05%
Direct Plan
0.43%
Difference
1.62
Expected Higher returns with Direct Fund
5 Yr
₹85,103
10 Yr
₹1,81,141
20 Yr
₹4,10,978
Get up to 1% more on Paytm Money with direct Mutual Funds
TRUSTMF Flexi Cap Fund Direct - Growth
TRUSTMF Flexi Cap Fund Direct - Growth
Flexi Cap
Flexi Cap
Expense Ratio
Regular Plan
2.11%
Direct Plan
0.49%
Difference
1.62
Expected Higher returns with Direct Fund
5 Yr
₹85,305
10 Yr
₹1,82,109
20 Yr
₹4,15,628
Get up to 1% more on Paytm Money with direct Mutual Funds
Samco Multi Cap Fund Direct-Growth
Samco Multi Cap Fund Direct-Growth
Multi Cap
Multi Cap
Expense Ratio
Regular Plan
2.40%
Direct Plan
0.78%
Difference
1.62
Expected Higher returns with Direct Fund
5 Yr
₹86,286
10 Yr
₹1,86,855
20 Yr
₹4,38,819
Get up to 1% more on Paytm Money with direct Mutual Funds
Mahindra Manulife Business Cycle Fund Direct - Growth
Mahindra Manulife Business Cycle Fund Direct - Growth
Themed
Themed
Expense Ratio
Regular Plan
2.10%
Direct Plan
0.49%
Difference
1.61
Expected Higher returns with Direct Fund
5 Yr
₹84,762
10 Yr
₹1,80,903
20 Yr
₹4,12,657
Get up to 1% more on Paytm Money with direct Mutual Funds
Helios Large & Mid Cap Fund Direct-Growth
Helios Large & Mid Cap Fund Direct-Growth
Large & MidCap
Large & MidCap
Expense Ratio
Regular Plan
2.36%
Direct Plan
0.75%
Difference
1.61
Expected Higher returns with Direct Fund
5 Yr
₹85,635
10 Yr
₹1,85,124
20 Yr
₹4,33,246
Get up to 1% more on Paytm Money with direct Mutual Funds
Quant Healthcare Fund Direct - Growth
Quant Healthcare Fund Direct - Growth
Pharma
Pharma
Expense Ratio
Regular Plan
2.40%
Direct Plan
0.80%
Difference
1.60
Expected Higher returns with Direct Fund
5 Yr
₹85,254
10 Yr
₹1,84,708
20 Yr
₹4,34,174
Get up to 1% more on Paytm Money with direct Mutual Funds
LIC MF Manufacturing Fund Direct-Growth
LIC MF Manufacturing Fund Direct-Growth
Themed
Themed
Expense Ratio
Regular Plan
2.25%
Direct Plan
0.65%
Difference
1.60
Expected Higher returns with Direct Fund
5 Yr
₹84,752
10 Yr
₹1,82,268
20 Yr
₹4,22,159
Get up to 1% more on Paytm Money with direct Mutual Funds
Updated as on date 14 Nov 2025
About Equity Mutual Fund
Equity Mutual Funds enables long term wealth creation by investing in stocks of profitable companies. The fund value grows upon a gradual increase in stock prices and via power of compounding. Investments in Equity Mutual Funds can be done via SIPs or lumpsum. The fund house maintains a well-diversified portfolio to spread out the risks involved.
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.  Mutual Fund Direct Plans are available for all kinds of mutual funds namely.
Debt funds
Equity funds
Balanced funds
ELSS funds
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