মিউচুয়াল ফান্ড স্কিম, দুটি প্ল্যান অফার করে- নিয়মিত এবং সরাসরি। অধিকাংশ বিনিয়োগকারীবিনিয়োগ ভিতরেযৌথ পুঁজি সাধারণত নিয়মিত তহবিল পছন্দ করে, কিন্তু তা সত্ত্বেও, নতুন বিনিয়োগকারীদের মধ্যে সরাসরি তহবিলের প্রতি আগ্রহ চাহিদা বৃদ্ধি পেতে দেয়। চাবিফ্যাক্টর যেটি এই দুটি পরিকল্পনার মধ্যে পার্থক্য করে ব্যয়ের অনুপাত, সরাসরি পরিকল্পনার ব্যয় অনুপাত একটি নিয়মিত পরিকল্পনার তুলনায় কম।
প্রত্যক্ষ পরিকল্পনাগুলি পৃথক স্কিম নয়, তবে সেগুলি কম ব্যয়ের অনুপাত সহ নিয়মিত পরিকল্পনার একটি পরিবর্তন। সুতরাং, একটিবিনিয়োগকারী যারা মিউচুয়াল ফান্ডে বিনিয়োগ করতে চান তারা হয় একটি নিয়মিত পরিকল্পনা বা সরাসরি পরিকল্পনা বেছে নিতে পারেন। আদর্শভাবে, একজন বিনিয়োগকারী যিনি স্বাধীনভাবে করতে পারেনমিউচুয়াল ফান্ডে বিনিয়োগ করুন একজন উপদেষ্টার সাহায্য না নিয়ে সরাসরি পরিকল্পনায় বিনিয়োগ করতে পারেন।
আসুন বিনিয়োগের জন্য কিছু সেরা সরাসরি মিউচুয়াল ফান্ড সহ সরাসরি তহবিল বিনিয়োগ সম্পর্কে আরও জানুন।

সীমিত সংখ্যক চ্যানেলের মাধ্যমে সরাসরি তহবিল পাওয়া যায়। একজন বিনিয়োগকারী মূলত ফান্ড হাউসের মাধ্যমেই বিনিয়োগ করতে পারেন, খুব কম তৃতীয় পক্ষের সিকিউরিটিজ মধ্যস্থতাকারী, আরটিএ যেমনCAMS/কারভি, এবং ফান্ড হাউসের অনুমোদিত স্থানীয় প্রতিনিধি। বেশিরভাগ ক্ষেত্রে, সরাসরি মিউচুয়াল ফান্ড বিনিয়োগে, নাarn (আবেদনপরিচিত সংখ্যা) বিনিয়োগকারীর আবেদনে উদ্ধৃত করা হয়েছে। অতএব, বিনিয়োগকারীদের দেওয়া কমিশন খুব কম বা কখনও কখনও শূন্য হয়। এই জন্য গ্রাহক অধিগ্রহণ খরচ হ্রাসএএমসি.
ব্যয়ের অনুপাত ব্যতীত, সরাসরি পরিকল্পনাগুলি হল সেইগুলি যেখানে ফান্ড হাউস চার্জ করে না৷পরিবেশক খরচ/লেনদেন চার্জ/ট্রেল ফি। নিট সম্পদ মূল্য (না) মিউচুয়াল ফান্ড-ডাইরেক্ট প্ল্যান নিয়মিত মিউচুয়াল ফান্ড প্ল্যানের তুলনায় বেশি হতে পারে।
যেহেতু সরাসরি পরিকল্পনার ব্যয় অনুপাত কম, তাই বলা হয় যে বিনিয়োগকারীরা নিয়মিত পরিকল্পনার তুলনায় বেশি রিটার্ন পাবেন। ফান্ড হাউসের ব্যয় অনুপাতের উপর নির্ভর করে প্রায় 0.5 শতাংশ থেকে 1.5 শতাংশ রিটার্ন বেশি হবে। সুতরাং, আদর্শভাবে, বিনিয়োগকারীরা যারা ব্যয়ের অনুপাত কমিয়ে তাদের আয় বাড়াতে চান তারা সরাসরি মিউচুয়াল ফান্ড প্ল্যানে বিনিয়োগ করতে পারেন।
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এখানে কিছু সেরা সরাসরি মিউচুয়াল ফান্ড ভিত্তিক পরিকল্পনা রয়েছে, অন-ইক্যুইটি এবং হাইব্রিড 3 বছরের রিটার্ন, 1 বছরের রিটার্নের উপর ঋণ, যা আপনি বিনিয়োগ করার সময় বিবেচনা করতে পারেন।
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2025 (%) Franklin India Opportunities Fund - Direct Growth ₹290.206
↑ 2.42 ₹9,192 4.9 4.4 4.1 22.2 19.6 4.4 Franklin Build India Fund - Direct Growth ₹166.612
↑ 0.18 ₹3,256 -3.6 1.7 2.4 19.5 20.6 4.8 Franklin India Feeder - Franklin U S Opportunities Fund - Direct Growth ₹97.9167
↓ -2.38 ₹6,081 -0.7 4.2 12 19 8.9 12.4 Sundaram SMILE Fund - Direct Growth ₹319
↓ -2.90 ₹3,872 7.8 17.4 12 18.7 17.5 1.5 IDBI Small Cap Fund - Direct Growth ₹37.5935
↓ -0.12 ₹743 8.7 22.3 9.6 18.2 18.3 -12.1 Franklin India Prima Fund - Direct Growth ₹3,204.51
↓ -10.54 ₹12,490 5.8 6.9 3.7 18.2 15.7 2.4 DSP Micro Cap Fund - Direct Growth ₹243.733
↓ -2.37 ₹19,635 9.6 21.5 11.3 17.9 17.6 -1.9 Franklin Asian Equity Fund - Direct Growth ₹46.3201
↓ -0.11 ₹979 3.3 8.5 33.8 17.8 7.8 24.7 Edelweiss Economic Resurgence Fund - Direct Growth ₹45.743
↑ 0.02 ₹3,484 2.4 0.2 5.3 15.8 14.6 7 Franklin India Smaller Companies Fund - Direct Growth ₹201.195
↓ -1.36 ₹14,336 4 14 3.3 15.4 17.2 -7.6 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Jul 26 Research Highlights & Commentary of 10 Funds showcased
Commentary Franklin India Opportunities Fund - Direct Franklin Build India Fund - Direct Franklin India Feeder - Franklin U S Opportunities Fund - Direct Sundaram SMILE Fund - Direct IDBI Small Cap Fund - Direct Franklin India Prima Fund - Direct DSP Micro Cap Fund - Direct Franklin Asian Equity Fund - Direct Edelweiss Economic Resurgence Fund - Direct Franklin India Smaller Companies Fund - Direct Point 1 Upper mid AUM (₹9,192 Cr). Bottom quartile AUM (₹3,256 Cr). Upper mid AUM (₹6,081 Cr). Lower mid AUM (₹3,872 Cr). Bottom quartile AUM (₹743 Cr). Upper mid AUM (₹12,490 Cr). Highest AUM (₹19,635 Cr). Bottom quartile AUM (₹979 Cr). Lower mid AUM (₹3,484 Cr). Top quartile AUM (₹14,336 Cr). Point 2 Oldest track record among peers (13 yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (9+ yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (11+ yrs). Established history (13+ yrs). Point 3 Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Point 4 Risk profile: Moderately High. Risk profile: High. Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: High. Risk profile: High. Risk profile: Moderately High. Point 5 5Y return: 19.61% (top quartile). 5Y return: 20.60% (top quartile). 5Y return: 8.94% (bottom quartile). 5Y return: 17.55% (upper mid). 5Y return: 18.27% (upper mid). 5Y return: 15.69% (lower mid). 5Y return: 17.64% (upper mid). 5Y return: 7.77% (bottom quartile). 5Y return: 14.62% (bottom quartile). 5Y return: 17.25% (lower mid). Point 6 3Y return: 22.17% (top quartile). 3Y return: 19.48% (top quartile). 3Y return: 19.04% (upper mid). 3Y return: 18.70% (upper mid). 3Y return: 18.25% (upper mid). 3Y return: 18.19% (lower mid). 3Y return: 17.88% (lower mid). 3Y return: 17.75% (bottom quartile). 3Y return: 15.76% (bottom quartile). 3Y return: 15.38% (bottom quartile). Point 7 1Y return: 4.13% (lower mid). 1Y return: 2.41% (bottom quartile). 1Y return: 11.96% (upper mid). 1Y return: 11.99% (top quartile). 1Y return: 9.60% (upper mid). 1Y return: 3.71% (bottom quartile). 1Y return: 11.32% (upper mid). 1Y return: 33.77% (top quartile). 1Y return: 5.29% (lower mid). 1Y return: 3.26% (bottom quartile). Point 8 Alpha: 5.47 (upper mid). Alpha: 0.00 (lower mid). Alpha: -2.87 (bottom quartile). Alpha: 9.99 (top quartile). Alpha: 10.57 (top quartile). Alpha: -6.08 (bottom quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 1.58 (upper mid). Alpha: 0.26 (upper mid). Point 9 Sharpe: 0.00 (lower mid). Sharpe: 0.01 (lower mid). Sharpe: 1.09 (top quartile). Sharpe: 0.30 (upper mid). Sharpe: 0.32 (upper mid). Sharpe: -0.31 (bottom quartile). Sharpe: 0.23 (upper mid). Sharpe: 1.58 (top quartile). Sharpe: -0.22 (bottom quartile). Sharpe: -0.11 (bottom quartile). Point 10 Information ratio: 1.70 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: -0.96 (bottom quartile). Information ratio: 0.04 (upper mid). Information ratio: -0.02 (lower mid). Information ratio: -0.44 (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 1.08 (top quartile). Information ratio: -0.48 (bottom quartile). Franklin India Opportunities Fund - Direct
Franklin Build India Fund - Direct
Franklin India Feeder - Franklin U S Opportunities Fund - Direct
Sundaram SMILE Fund - Direct
IDBI Small Cap Fund - Direct
Franklin India Prima Fund - Direct
DSP Micro Cap Fund - Direct
Franklin Asian Equity Fund - Direct
Edelweiss Economic Resurgence Fund - Direct
Franklin India Smaller Companies Fund - Direct
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2025 (%) Edelweiss Liquid Fund - Direct Growth ₹3,644.56
↑ 0.61 ₹12,259 1.7 3.4 6.4 7 6.3 6.6 Franklin India Treasury Management Account - Regular Plan - Direct Growth ₹4,238.63
↑ 0.67 ₹2,915 1.7 3.4 6.4 7 6.3 6.7 UTI Liquid Cash Plan - Direct Growth ₹462.214
↑ 0.08 ₹27,632 1.6 3.4 6.4 7 6.3 6.6 Mahindra Liquid Fund - Direct Growth ₹1,836.01
↑ 0.30 ₹1,019 1.6 3.4 6.4 7 6.3 6.6 Edelweiss Bond Fund - Direct Growth ₹33.5894
↑ 0.00 ₹2,272 1.7 3.4 6.3 7.3 6.4 7.6 Franklin India Savings Plus Fund Retail Option - Direct Growth ₹55.561
↑ 0.01 ₹3,920 1.7 3.4 6.3 7.4 6.5 7.6 UTI Money Market Fund - Direct Growth ₹3,344.87
↑ 0.45 ₹17,557 1.7 3.4 6.3 7.4 6.6 7.6 Franklin India Banking And PSU Debt Fund - Direct Growth ₹25.1408
↓ -0.01 ₹584 1.9 3.5 6.3 7.6 6.5 8.3 HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth ₹54.6123
↓ -0.01 ₹16,452 2 3.6 6.2 7.8 6.9 8.1 UTI Treasury Advantage Fund - Direct Growth ₹3,856.26
↓ -0.08 ₹2,460 1.8 3.4 6.2 7.3 7.5 7.7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Jul 26 Research Highlights & Commentary of 10 Funds showcased
Commentary Edelweiss Liquid Fund - Direct Franklin India Treasury Management Account - Regular Plan - Direct UTI Liquid Cash Plan - Direct Mahindra Liquid Fund - Direct Edelweiss Bond Fund - Direct Franklin India Savings Plus Fund Retail Option - Direct UTI Money Market Fund - Direct Franklin India Banking And PSU Debt Fund - Direct HDFC Floating Rate Income Fund - Short Term Plan - Direct UTI Treasury Advantage Fund - Direct Point 1 Upper mid AUM (₹12,259 Cr). Lower mid AUM (₹2,915 Cr). Highest AUM (₹27,632 Cr). Bottom quartile AUM (₹1,019 Cr). Bottom quartile AUM (₹2,272 Cr). Upper mid AUM (₹3,920 Cr). Top quartile AUM (₹17,557 Cr). Bottom quartile AUM (₹584 Cr). Upper mid AUM (₹16,452 Cr). Lower mid AUM (₹2,460 Cr). Point 2 Oldest track record among peers (13 yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (10+ yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (12+ yrs). Established history (13+ yrs). Established history (13+ yrs). Point 3 Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Point 4 Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Low. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderately Low. Point 5 1Y return: 6.44% (top quartile). 1Y return: 6.43% (top quartile). 1Y return: 6.42% (upper mid). 1Y return: 6.40% (upper mid). 1Y return: 6.34% (upper mid). 1Y return: 6.33% (lower mid). 1Y return: 6.32% (lower mid). 1Y return: 6.30% (bottom quartile). 1Y return: 6.25% (bottom quartile). 1Y return: 6.20% (bottom quartile). Point 6 1M return: 0.54% (upper mid). 1M return: 0.56% (top quartile). 1M return: 0.53% (lower mid). 1M return: 0.54% (upper mid). 1M return: 0.51% (bottom quartile). 1M return: 0.53% (upper mid). 1M return: 0.51% (lower mid). 1M return: 0.69% (top quartile). 1M return: 0.39% (bottom quartile). 1M return: 0.48% (bottom quartile). Point 7 Sharpe: 2.64 (upper mid). Sharpe: 2.74 (top quartile). Sharpe: 2.73 (top quartile). Sharpe: 2.67 (upper mid). Sharpe: 0.97 (upper mid). Sharpe: 0.95 (lower mid). Sharpe: 0.92 (lower mid). Sharpe: 0.48 (bottom quartile). Sharpe: 0.63 (bottom quartile). Sharpe: 0.72 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.51% (bottom quartile). Yield to maturity (debt): 6.81% (bottom quartile). Yield to maturity (debt): 6.62% (bottom quartile). Yield to maturity (debt): 6.85% (lower mid). Yield to maturity (debt): 7.68% (upper mid). Yield to maturity (debt): 7.76% (top quartile). Yield to maturity (debt): 7.58% (upper mid). Yield to maturity (debt): 7.50% (lower mid). Yield to maturity (debt): 7.64% (upper mid). Yield to maturity (debt): 7.77% (top quartile). Point 10 Modified duration: 0.10 yrs (top quartile). Modified duration: 0.10 yrs (upper mid). Modified duration: 0.10 yrs (top quartile). Modified duration: 0.13 yrs (upper mid). Modified duration: 0.58 yrs (lower mid). Modified duration: 0.41 yrs (upper mid). Modified duration: 0.56 yrs (lower mid). Modified duration: 1.19 yrs (bottom quartile). Modified duration: 1.74 yrs (bottom quartile). Modified duration: 0.69 yrs (bottom quartile). Edelweiss Liquid Fund - Direct
Franklin India Treasury Management Account - Regular Plan - Direct
UTI Liquid Cash Plan - Direct
Mahindra Liquid Fund - Direct
Edelweiss Bond Fund - Direct
Franklin India Savings Plus Fund Retail Option - Direct
UTI Money Market Fund - Direct
Franklin India Banking And PSU Debt Fund - Direct
HDFC Floating Rate Income Fund - Short Term Plan - Direct
UTI Treasury Advantage Fund - Direct
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2025 (%) UTI Wealth Builder Fund - Direct Growth ₹88.5221
↑ 0.09 ₹6,890 2.1 -2.1 8 16.5 14.4 12.4 JM Balanced Fund - Direct Growth ₹138.558
↑ 0.07 ₹692 3.9 2.2 1 14.7 14.7 -1.6 Edelweiss Prudent Advantage Fund - Direct Growth ₹76.1
↑ 0.05 ₹3,784 2.6 3.3 4.4 14.4 14.9 7.6 Axis Dynamic Equity Fund - Direct Growth ₹24.33
↑ 0.05 ₹3,814 2.3 1.7 4.4 12.7 10.9 8.2 BNP Paribas Balanced Fund - Direct Growth ₹32.6083
↑ 0.01 ₹1,246 1.3 1.6 2.7 12.3 11.4 5.3 UTI Balanced Fund - Direct Growth ₹443.037
↑ 0.49 ₹6,648 2 -0.5 1.8 12.2 12.5 7.1 Franklin India Balanced Fund - Direct Growth ₹309.815
↓ -0.21 ₹2,340 2 0.5 0 11.5 11.1 4.7 Edelweiss Equity Savings Advantage Fund - Direct Growth ₹30.1678
↓ -0.01 ₹1,444 3 4.9 8.3 11.4 10.1 9 UTI SPREAD Fund - Direct Growth ₹39.9403
↑ 0.02 ₹11,324 1.6 3.2 6.6 7.5 6.6 7.1 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Jul 26 Research Highlights & Commentary of 9 Funds showcased
Commentary UTI Wealth Builder Fund - Direct JM Balanced Fund - Direct Edelweiss Prudent Advantage Fund - Direct Axis Dynamic Equity Fund - Direct BNP Paribas Balanced Fund - Direct UTI Balanced Fund - Direct Franklin India Balanced Fund - Direct Edelweiss Equity Savings Advantage Fund - Direct UTI SPREAD Fund - Direct Point 1 Top quartile AUM (₹6,890 Cr). Bottom quartile AUM (₹692 Cr). Lower mid AUM (₹3,784 Cr). Upper mid AUM (₹3,814 Cr). Bottom quartile AUM (₹1,246 Cr). Upper mid AUM (₹6,648 Cr). Lower mid AUM (₹2,340 Cr). Bottom quartile AUM (₹1,444 Cr). Highest AUM (₹11,324 Cr). Point 2 Oldest track record among peers (13 yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (9+ yrs). Established history (9+ yrs). Established history (13+ yrs). Established history (13+ yrs). Established history (11+ yrs). Established history (13+ yrs). Point 3 Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Not Rated. Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately Low. Point 5 5Y return: 14.45% (upper mid). 5Y return: 14.66% (top quartile). 5Y return: 14.85% (top quartile). 5Y return: 10.86% (bottom quartile). 5Y return: 11.42% (lower mid). 5Y return: 12.52% (upper mid). 5Y return: 11.08% (lower mid). 5Y return: 10.07% (bottom quartile). 5Y return: 6.61% (bottom quartile). Point 6 3Y return: 16.50% (top quartile). 3Y return: 14.73% (top quartile). 3Y return: 14.40% (upper mid). 3Y return: 12.73% (upper mid). 3Y return: 12.30% (lower mid). 3Y return: 12.23% (lower mid). 3Y return: 11.46% (bottom quartile). 3Y return: 11.39% (bottom quartile). 3Y return: 7.51% (bottom quartile). Point 7 1Y return: 8.04% (top quartile). 1Y return: 0.98% (bottom quartile). 1Y return: 4.36% (lower mid). 1Y return: 4.43% (upper mid). 1Y return: 2.74% (lower mid). 1Y return: 1.84% (bottom quartile). 1Y return: -0.01% (bottom quartile). 1Y return: 8.27% (top quartile). 1Y return: 6.57% (upper mid). Point 8 1M return: 1.85% (top quartile). 1M return: 3.47% (top quartile). 1M return: 1.51% (upper mid). 1M return: 1.21% (upper mid). 1M return: 0.90% (bottom quartile). 1M return: 1.19% (lower mid). 1M return: 0.93% (bottom quartile). 1M return: 1.15% (lower mid). 1M return: 0.55% (bottom quartile). Point 9 Alpha: 0.00 (upper mid). Alpha: -3.70 (bottom quartile). Alpha: 1.13 (top quartile). Alpha: 0.00 (upper mid). Alpha: 0.53 (top quartile). Alpha: -0.72 (bottom quartile). Alpha: -2.07 (bottom quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (lower mid). Point 10 Sharpe: -0.02 (upper mid). Sharpe: -0.65 (bottom quartile). Sharpe: -0.31 (upper mid). Sharpe: -0.31 (lower mid). Sharpe: -0.35 (lower mid). Sharpe: -0.45 (bottom quartile). Sharpe: -0.57 (bottom quartile). Sharpe: 0.40 (top quartile). Sharpe: 1.09 (top quartile). UTI Wealth Builder Fund - Direct
JM Balanced Fund - Direct
Edelweiss Prudent Advantage Fund - Direct
Axis Dynamic Equity Fund - Direct
BNP Paribas Balanced Fund - Direct
UTI Balanced Fund - Direct
Franklin India Balanced Fund - Direct
Edelweiss Equity Savings Advantage Fund - Direct
UTI SPREAD Fund - Direct