Top 5 Mutual Funds' Direct vs Regular Plan Returns: Same scheme has given Rs 3.06 lakh extra return on Rs 10,000 monthly SIP in 10 years
Top 5 Mutual Funds' Direct vs Regular Plan Returns in 10 Years: When you invest in a mutual fund scheme directly, you invest in a direct plan. No distributor or agent charges you money for that. In contrast, when you invest in a mutual fund through a distributor, you invest in a regular plan. Both plans have their own importance. A direct plan has a lower expense ratio, a mutual fund house's fee to manage one's fund investment, compared to a regular plan.
Top 5 Mutual Funds' Direct vs Regular Plan Returns in 10 Years: When we study about mutual fund investment, two options that we often hear about are direct plan and regular plan. The difference between the two is that when you invest in a mutual fund scheme directly, you invest in a direct plan. No distributor or agent charges you money for that. In contrast, when you invest in a mutual fund through a distributor, you invest in a regular plan. Both plans have their own importance. A direct plan has a lower expense ratio, a mutual fund house's fee to manage one's fund investment, compared to a regular plan. But if one is new and has little knowledge about mutual fund performance, types, risk, and expense ratio, a regular fund can be the route. No option can be said better or worse. Mutual fund investors invest in either fund based on their requirements. However, in the long term, the maturity one gets in a direct plan can be significantly higher than what one gets in a regular plan. In this write-up, we take the top 5 mutual funds in terms of SIP and lump sum returns and see what Rs 10,000 monthly SIP and Rs 1 lakh lump sump amount in the same fund's direct and lump sum plans have turned into in 10 years.
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Quant Small Cap Direct
The small-cap mutual fund has given 29.19 per cent annualised SIP returns in 5 years, while its lump sum returns during the same period are 22.08 per cent.
It has an expense ratio of 0.64 per cent.
The one who started a Rs 10,000 monthly SIP in the fund 10 years ago has grown to Rs 55,61,721.
On the other hand, a Rs 1 lakh investment in the fund made 10 years ago has grown to Rs 7,35,074.
Quant Small Cap Regular
The fund has had annualised SIP returns of 28.13 per cent in 10 years. On the other hand, its lump sum return during the same period is 21.26 per cent.
The regular plan of the fund has an expense ratio of 1.62 per cent.
A Rs 10,000 monthly SIP in the fund has turned into Rs 52,54,811 in 10 years.
A Rs 1 lakh lump sum investment in the fund has grown to Rs 6,87,616.
Quant Infrastructure Direct
The thematic mutual fund has given 28.49 per cent SIP returns in 10 years. Its lump sum returns in the same period are 21.09 per cent.
The fund has an expense ratio of 0.66 per cent.
A Rs 10,000 monthly SIP in the fund started 10 years ago has grown to Rs 53,55,289.
A lump sum investment of Rs 1 lakh made in the fund 10 years ago is now worth Rs 6,77,975.
Quant Infrastructure Regular
The thematic fund's regular plan has given 27.27 per cent annualised SIP returns and 20.11 per cent lump sum returns in 10 years.
The fund's expense ratio is 1.88 per cent.
A Rs 10,000 monthly SIP in the fund started 10 years ago has grown to Rs 50,16,775.
A Rs 1 lakh lump sum investment in the fund has turned into Rs 6,25,126 in the same duration.
Nippon India Small Cap Direct
The fund has given a 27.74 per cent SIP return in the 10-year period. Its lump sum returns during the same period is 25.63 per cent.
The direct plan has an expense ratio of 0.64 per cent.
A Rs 10,000 monthly SIP in the fund started 10 years ago has converted into Rs 51,45,077.
A lump investment of Rs 1 lakh during the same period has turned into Rs 9,78,964.
Nippon India Small Cap Regular
The fund's regular plan has given 26.63 per cent annualised SIP returns, while its annualised lump sum returns in the same period are 24.43 per cent.
It has an expense ratio of 1.43 per cent.
A Rs 10,000 monthly SIP in the fund has grown to Rs 48,50,165.
On the other hand, a Rs 1 lakh lump sum investment made in the fund over 10 years has grown to Rs 8,89,727.
Quant ELSS Tax Saver Direct
The ELSS fund has given 27.45 per cent annualised SIP returns and 25.22 per cent CAGR in 10 years.
It has an expense ratio of 0.77 per cent.
A Rs 10,000 monthly SIP in the fund has grown to Rs 50,66,932.
On the other hand, the one who invested Rs 1 lakh in the fund has Rs 9,47,762 as its value.
Quant ELSS Tax Saver Regular
The fund has given 25.97 per cent annualised SIP returns in the 10-year period.
The fund's lump sum return during the same time frame is 23.95 per cent.
It has an expense ratio of 1.74 per cent.
A Rs 10,000 monthly SIP in the fund started 10 years ago has turned into Rs 46,79,860.
A Rs 1 lakh lump sum in the fund has become Rs 8,56,039 during the same period.
Quant Mid Cap Direct
The mid cap mutual fund has had a 26.53 per cent SIP return in the 10-year period, while its lump sum return during the same time frame is 21.60 per cent.
The direct plan of the fund has an expense ratio of 0.62 per cent.
A Rs 10,000 monthly SIP in the fund has grown to Rs 48,23,540 in 10 years.
A Rs 1 lakh lump sum investment in the fund has turned into Rs 7,07,034.
Quant Mid Cap Regular
The regular plan of the fund has given 10-year annualised SIP returns of 24.99 per cent, while its lump sum return during the same period is 20.45 per cent.
The fund has an expense ratio of 1.74 per cent.
A Rs 10,000 monthly SIP in the fund has turned into Rs 44,40,270 in 10 years.
On the other hand, a Rs 1 lakh lump sum investment in the fund has turned into Rs 6,43,018 in 10 years.