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Regular Plan vs Direct Plan

Difference between Regular Plan and Direct Plan

Basis of DifferenceRegular Plan Direct Plan
ObjectiveTo provide an option of investment with
advisory services by an expert
distributor to the investor
Vs
Investors who have enough expertise and
who are capable of handling their own
investments without an advisor
MeaningTo invest in mutual fund through an
intermediary like MF advisor or
distributor
Vs
To invest in mutual fund without an
intermediary like MF advisor or
distributor
Suitable forInvestors who do not have the expertise
to select good funds as per their
financial goals
Vs
Investors who know which funds to buy to
achieve their financial goals
Expense RatioHigher
Vs
Lower
ReturnsLower
Vs
Higher
Net Asset Value (NAV)Lower
Vs
Higher
AvailibilitySince inception of the scheme
Vs
Since January 2013
Selection of fundsMF advisor or distributor suggests the
fund according to the financial goals of
the investor
Vs
Dependent upon mutual fund websites,
past performance or blogs / articles to
know about good mutual fund schemes
BenefitAdvisory services from MF advisor
Vs
No advisory service from MF advisor
Documentation and
paperwork
MF distributor takes care of the
paperwork and the documentation process
Vs
Investor needs to take care of the
paperwork and the documentation process
on his own