Direct v/s Regular Plans

Mutual fund schemes come in two variants i.e. Direct Plan and Regular Plan. 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

Groww Banking & Financial Services Fund Direct - Growth

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 Pharma and Healthcare Fund Direct - Growth

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

TRUSTMF Multi Cap Fund Direct-Growth

Multi Cap

Expense Ratio

Regular Plan

2.29%

Direct Plan

0.43%

Difference

1.86

Expected Higher returns with Direct Fund

5 Yr

₹98,179

10 Yr

₹2,10,257

20 Yr

₹4,83,158

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

Groww Multicap Fund Direct-Growth

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

Mahindra Manulife Banking & Financial Services Fund Direct-Growth

Banking

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

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 Focused Equity Fund Direct - Growth

Flexi Cap

Expense Ratio

Regular Plan

2.34%

Direct Plan

0.53%

Difference

1.81

Expected Higher returns with Direct Fund

5 Yr

₹95,822

10 Yr

₹2,05,960

20 Yr

₹4,76,700

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

ITI Value Fund Direct - Growth

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

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

Bajaj Finserv ELSS Tax Saver Fund Direct-Growth

ELSS

Expense Ratio

Regular Plan

2.29%

Direct Plan

0.49%

Difference

1.80

Expected Higher returns with Direct Fund

5 Yr

₹95,124

10 Yr

₹2,04,004

20 Yr

₹4,70,065

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

Shriram Multi Asset Allocation Fund Direct - Growth

Multi Asset Allocation

Expense Ratio

Regular Plan

2.35%

Direct Plan

0.55%

Difference

1.80

Expected Higher returns with Direct Fund

5 Yr

₹95,357

10 Yr

₹2,05,129

20 Yr

₹4,75,554

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

ITI ELSS Tax Saver Fund Direct - Growth

ELSS

Expense Ratio

Regular Plan

2.31%

Direct Plan

0.54%

Difference

1.77

Expected Higher returns with Direct Fund

5 Yr

₹93,667

10 Yr

₹2,01,221

20 Yr

₹4,65,201

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

WhiteOak Capital ESG Best-In-Class Strategy Fund Direct-Growth

Thematic-ESG

Expense Ratio

Regular Plan

2.34%

Direct Plan

0.57%

Difference

1.77

Expected Higher returns with Direct Fund

5 Yr

₹93,778

10 Yr

₹2,01,758

20 Yr

₹4,67,821

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

Shriram Multi Sector Rotation Fund Direct-Growth

Themed

Expense Ratio

Regular Plan

2.35%

Direct Plan

0.58%

Difference

1.77

Expected Higher returns with Direct Fund

5 Yr

₹93,822

10 Yr

₹2,01,972

20 Yr

₹4,68,873

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

WhiteOak Capital Digital Bharat Fund Direct-Growth

Technology

Expense Ratio

Regular Plan

2.36%

Direct Plan

0.61%

Difference

1.75

Expected Higher returns with Direct Fund

5 Yr

₹92,828

10 Yr

₹2,00,005

20 Yr

₹4,65,094

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

JM Large & Mid Cap Fund Direct-Growth

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

PGIM India Multi Cap Fund Direct-Growth

Multi Cap

Expense Ratio

Regular Plan

2.38%

Direct Plan

0.63%

Difference

1.75

Expected Higher returns with Direct Fund

5 Yr

₹92,901

10 Yr

₹2,00,360

20 Yr

₹4,66,838

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

Mahindra Manulife Value Fund Direct-Growth

Value Oriented

Expense Ratio

Regular Plan

2.37%

Direct Plan

0.62%

Difference

1.75

Expected Higher returns with Direct Fund

5 Yr

₹92,864

10 Yr

₹2,00,182

20 Yr

₹4,65,965

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

Navi Large & Midcap Fund Direct-Growth

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

ITI Large Cap Fund Direct - Growth

Large Cap

Expense Ratio

Regular Plan

2.35%

Direct Plan

0.61%

Difference

1.74

Expected Higher returns with Direct Fund

5 Yr

₹92,279

10 Yr

₹1,98,772

20 Yr

₹4,61,982

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

Updated as on date 23 Aug 2025

About Direct Plans of Mutual Funds

Compared to regular plans, direct plan is an efficient way to invest in mutual funds. Both variants of the scheme are similar in terms of investment objective, fund manager and portfolio composition. The only difference lies in the expense ratio. Direct plans have a lower expense ratio than regular plans. Due to this reason, the fund value of a direct plan (shown as NAV) is higher than the NAV of regular plans.

Direct plans of mutual funds are available for all AMCs i.e. SBI Mutual Fund, HDFC Mutual Fund, Nippon India Mutual Fund, L&T Mutual Fund, Axis Mutual Fund etc.

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.

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