म्युच्युअल फंड योजना, दोन योजना ऑफर करतात- नियमित आणि थेट. बहुतेक गुंतवणूकदारगुंतवणूक मध्येम्युच्युअल फंड सामान्यतः नियमित निधीला प्राधान्य देतात, परंतु असे असले तरी, नवीन गुंतवणूकदारांमध्ये थेट निधीसाठी स्वारस्य वाढू लागले आहे. किल्लीघटक या दोन्ही प्लॅनमध्ये फरक आहे की खर्चाचे प्रमाण आहे, थेट योजनेचे खर्चाचे प्रमाण नियमित योजनेच्या तुलनेत कमी आहे.
थेट योजना या वेगळ्या योजना नसतात, परंतु त्या कमी खर्चाच्या गुणोत्तरासह नियमित योजनेतील फरक असतात. तर, अगुंतवणूकदार ज्यांना म्युच्युअल फंडात गुंतवणूक करायची आहे ते एकतर नियमित योजना किंवा थेट योजना निवडू शकतात. आदर्शपणे, एक गुंतवणूकदार जो स्वतंत्रपणे करू शकतोम्युच्युअल फंडात गुंतवणूक करा सल्लागाराची मदत न घेता थेट योजनांमध्ये गुंतवणूक करू शकता.
गुंतवणुकीसाठी काही सर्वोत्तम डायरेक्ट म्युच्युअल फंडांसह थेट फंड गुंतवणुकीबद्दल अधिक जाणून घेऊया.
मर्यादित संख्येच्या चॅनेलद्वारे थेट निधी उपलब्ध आहे. गुंतवणूकदार मुख्यत्वे फंड हाऊसद्वारेच गुंतवणूक करू शकतो, थर्ड पार्टी सिक्युरिटीज मध्यस्थ, आरटीए जसे कीCAMS/कारवी, आणि फंड हाउसचे अधिकृत स्थानिक प्रतिनिधी. बहुतेक, थेट म्युच्युअल फंड गुंतवणुकीत, नाहीarn (अर्जसंदर्भ क्रमांक) गुंतवणूकदाराच्या अर्जात उद्धृत केले आहे. त्यामुळे गुंतवणूकदारांना दिले जाणारे कमिशन खूप कमी किंवा कधी कधी शून्य असते. यामुळे ग्राहक संपादनाची किंमत कमी होतेAMC.
एक्सपेन्स रेशो व्यतिरिक्त, डायरेक्ट प्लॅन्स अशा आहेत ज्यात फंड हाउस चार्ज करत नाहीवितरक खर्च/व्यवहार शुल्क/ट्रेल फी. निव्वळ मालमत्ता मूल्य (नाही) म्युच्युअल फंड-डायरेक्ट प्लॅन नियमित म्युच्युअल फंड योजनेच्या तुलनेत जास्त असू शकतो.
डायरेक्ट प्लॅनचे एक्सपेन्स रेशो कमी असल्याने, नियमित प्लॅनच्या तुलनेत गुंतवणूकदारांना जास्त परतावा मिळेल असे म्हटले जाते. फंड हाऊसच्या खर्चाच्या गुणोत्तरानुसार सुमारे ०.५ टक्के ते १.५ टक्के परतावा जास्त असेल. त्यामुळे, आदर्शपणे, ज्या गुंतवणूकदारांना खर्चाचे प्रमाण कमी करून परतावा वाढवायचा आहे ते थेट म्युच्युअल फंड योजनांमध्ये गुंतवणूक करू शकतात.
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येथे काही उत्तम थेट म्युच्युअल फंड आधारित योजना आहेत, ऑन-इक्विटी आणि हायब्रिड 3 वर्षांचा परतावा, 1 वर्षाच्या परताव्यावर कर्ज, ज्यांचा तुम्ही गुंतवणूक करताना विचार करू शकता.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Franklin India Opportunities Fund - Direct Growth ₹279.406
↓ -1.64 ₹7,376 3.7 19.6 0.7 30.2 29.4 39.2 Franklin Build India Fund - Direct Growth ₹158.523
↓ -0.53 ₹2,950 -0.5 17.4 -4.2 28.5 31.7 29.1 Franklin India Smaller Companies Fund - Direct Growth ₹187.646
↓ -0.13 ₹13,825 -2.9 16.1 -9.4 23.7 29.1 24.2 Franklin India Prima Fund - Direct Growth ₹3,021.07
↓ -8.57 ₹12,540 -0.3 15.9 -1.8 23 24.1 32.9 Franklin India Technology Fund - Direct Growth ₹563.539
↓ -6.27 ₹1,888 3 7.3 -5.8 22 21.2 29.8 DSP Micro Cap Fund - Direct Growth ₹213.749
↓ -0.32 ₹17,005 1.2 22.7 -1.9 21.4 27.5 26.7 Franklin India Feeder - Franklin U S Opportunities Fund - Direct Growth ₹89.8873
↑ 0.71 ₹4,223 11.6 8.9 18.8 21.4 12.3 28.4 Sundaram SMILE Fund - Direct Growth ₹277.1
↓ -0.80 ₹3,394 -0.1 19.9 -3.5 21 27.6 20.4 Edelweiss Economic Resurgence Fund - Direct Growth ₹43.093
↓ -0.13 ₹2,768 0.7 14.3 -3.2 19.6 22.6 27.4 Franklin India Taxshield - Direct Growth ₹1,606.77
↓ -3.61 ₹6,706 -1.7 11.8 -3.1 19.5 23.1 23.4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Aug 25 Research Highlights & Commentary of 10 Funds showcased
Commentary Franklin India Opportunities Fund - Direct Franklin Build India Fund - Direct Franklin India Smaller Companies Fund - Direct Franklin India Prima Fund - Direct Franklin India Technology Fund - Direct DSP Micro Cap Fund - Direct Franklin India Feeder - Franklin U S Opportunities Fund - Direct Sundaram SMILE Fund - Direct Edelweiss Economic Resurgence Fund - Direct Franklin India Taxshield - Direct Point 1 Upper mid AUM (₹7,376 Cr). Bottom quartile AUM (₹2,950 Cr). Top quartile AUM (₹13,825 Cr). Upper mid AUM (₹12,540 Cr). Bottom quartile AUM (₹1,888 Cr). Highest AUM (₹17,005 Cr). Lower mid AUM (₹4,223 Cr). Lower mid AUM (₹3,394 Cr). Bottom quartile AUM (₹2,768 Cr). Upper mid AUM (₹6,706 Cr). Point 2 Oldest track record among peers (12 yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (10+ yrs). Established history (12+ 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: Moderately High. Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Point 5 5Y return: 29.41% (top quartile). 5Y return: 31.71% (top quartile). 5Y return: 29.12% (upper mid). 5Y return: 24.10% (lower mid). 5Y return: 21.16% (bottom quartile). 5Y return: 27.54% (upper mid). 5Y return: 12.31% (bottom quartile). 5Y return: 27.60% (upper mid). 5Y return: 22.59% (bottom quartile). 5Y return: 23.09% (lower mid). Point 6 3Y return: 30.24% (top quartile). 3Y return: 28.48% (top quartile). 3Y return: 23.66% (upper mid). 3Y return: 22.97% (upper mid). 3Y return: 22.04% (upper mid). 3Y return: 21.42% (lower mid). 3Y return: 21.42% (lower mid). 3Y return: 21.05% (bottom quartile). 3Y return: 19.65% (bottom quartile). 3Y return: 19.55% (bottom quartile). Point 7 1Y return: 0.70% (top quartile). 1Y return: -4.24% (bottom quartile). 1Y return: -9.41% (bottom quartile). 1Y return: -1.84% (upper mid). 1Y return: -5.83% (bottom quartile). 1Y return: -1.86% (upper mid). 1Y return: 18.76% (top quartile). 1Y return: -3.48% (lower mid). 1Y return: -3.17% (lower mid). 1Y return: -3.07% (upper mid). Point 8 Alpha: 3.08 (upper mid). Alpha: 0.00 (lower mid). Alpha: -4.68 (bottom quartile). Alpha: 2.37 (upper mid). Alpha: 3.44 (top quartile). Alpha: 0.00 (bottom quartile). Alpha: -6.49 (bottom quartile). Alpha: 4.24 (top quartile). Alpha: 0.80 (lower mid). Alpha: 0.94 (upper mid). Point 9 Sharpe: -0.22 (upper mid). Sharpe: -0.45 (bottom quartile). Sharpe: -0.55 (bottom quartile). Sharpe: -0.20 (upper mid). Sharpe: -0.50 (bottom quartile). Sharpe: -0.03 (top quartile). Sharpe: 0.72 (top quartile). Sharpe: -0.11 (upper mid). Sharpe: -0.39 (lower mid). Sharpe: -0.37 (lower mid). Point 10 Information ratio: 2.01 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.10 (upper mid). Information ratio: 0.08 (lower mid). Information ratio: 1.40 (upper mid). Information ratio: 0.00 (bottom quartile). Information ratio: -1.39 (bottom quartile). Information ratio: -0.29 (bottom quartile). Information ratio: 1.07 (upper mid). Information ratio: 1.58 (top quartile). Franklin India Opportunities Fund - Direct
Franklin Build India Fund - Direct
Franklin India Smaller Companies Fund - Direct
Franklin India Prima Fund - Direct
Franklin India Technology Fund - Direct
DSP Micro Cap Fund - Direct
Franklin India Feeder - Franklin U S Opportunities Fund - Direct
Sundaram SMILE Fund - Direct
Edelweiss Economic Resurgence Fund - Direct
Franklin India Taxshield - Direct
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Franklin India Income Builder Account - Plan A - Direct Growth ₹109.029
↓ -0.01 ₹1,109 1 6 10 8.1 6.9 8.2 Axis Corporate Debt Opportunities Fund - Direct Growth ₹18.2655
↓ -0.01 ₹9,403 0.8 5 9.1 8.1 7 8.7 UTI Short Term Income Fund - Direct Growth ₹34.0868
↓ -0.03 ₹3,296 0.9 4.5 8.5 7.9 7.7 8.4 HDFC Floating Rate Income Fund - Short Term Plan - Direct Growth ₹51.5651
↓ -0.01 ₹15,497 1.3 4.5 8.4 8.2 6.9 8.5 Franklin India Banking And PSU Debt Fund - Direct Growth ₹23.6653
↑ 0.01 ₹539 0.8 4.5 8.2 7.5 6.3 8.1 UTI Treasury Advantage Fund - Direct Growth ₹3,646.44
↓ -0.37 ₹3,211 1.6 4.2 8.1 7.4 7.2 7.8 Franklin India Savings Plus Fund Retail Option - Direct Growth ₹52.4912
↑ 0.00 ₹4,080 1.7 4.2 8.1 7.6 6.1 7.8 UTI Money Market Fund - Direct Growth ₹3,160.54
↑ 0.31 ₹20,554 1.7 4.2 8.1 7.6 6.2 7.8 Reliance Dynamic Bond Fund - Direct Growth ₹40.1589
↓ -0.07 ₹4,629 -0.7 4 8 7.9 6.3 9.4 Edelweiss Bond Fund - Direct Growth ₹31.7272
↑ 0.00 ₹2,240 1.6 4.1 8 7.4 5.9 7.7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Aug 25 Research Highlights & Commentary of 10 Funds showcased
Commentary Franklin India Income Builder Account - Plan A - Direct Axis Corporate Debt Opportunities Fund - Direct UTI Short Term Income Fund - Direct HDFC Floating Rate Income Fund - Short Term Plan - Direct Franklin India Banking And PSU Debt Fund - Direct UTI Treasury Advantage Fund - Direct Franklin India Savings Plus Fund Retail Option - Direct UTI Money Market Fund - Direct Reliance Dynamic Bond Fund - Direct Edelweiss Bond Fund - Direct Point 1 Bottom quartile AUM (₹1,109 Cr). Upper mid AUM (₹9,403 Cr). Lower mid AUM (₹3,296 Cr). Top quartile AUM (₹15,497 Cr). Bottom quartile AUM (₹539 Cr). Lower mid AUM (₹3,211 Cr). Upper mid AUM (₹4,080 Cr). Highest AUM (₹20,554 Cr). Upper mid AUM (₹4,629 Cr). Bottom quartile AUM (₹2,240 Cr). Point 2 Oldest track record among peers (12 yrs). Established history (8+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (11+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ 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: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: Moderately Low. Risk profile: Low. Risk profile: Moderate. Risk profile: Moderate. Point 5 1Y return: 10.01% (top quartile). 1Y return: 9.06% (top quartile). 1Y return: 8.51% (upper mid). 1Y return: 8.44% (upper mid). 1Y return: 8.23% (upper mid). 1Y return: 8.10% (lower mid). 1Y return: 8.10% (lower mid). 1Y return: 8.05% (bottom quartile). 1Y return: 8.02% (bottom quartile). 1Y return: 7.96% (bottom quartile). Point 6 1M return: 0.08% (lower mid). 1M return: 0.01% (bottom quartile). 1M return: 0.10% (lower mid). 1M return: 0.29% (upper mid). 1M return: 0.02% (bottom quartile). 1M return: 0.42% (upper mid). 1M return: 0.46% (top quartile). 1M return: 0.47% (top quartile). 1M return: -0.86% (bottom quartile). 1M return: 0.46% (upper mid). Point 7 Sharpe: 1.87 (bottom quartile). Sharpe: 2.15 (lower mid). Sharpe: 2.17 (lower mid). Sharpe: 2.82 (upper mid). Sharpe: 2.01 (bottom quartile). Sharpe: 3.08 (upper mid). Sharpe: 3.37 (top quartile). Sharpe: 3.45 (top quartile). Sharpe: 1.54 (bottom quartile). Sharpe: 3.30 (upper mid). 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): 6.85% (top quartile). Yield to maturity (debt): 6.74% (upper mid). Yield to maturity (debt): 6.75% (upper mid). Yield to maturity (debt): 6.98% (top quartile). Yield to maturity (debt): 6.77% (upper mid). Yield to maturity (debt): 6.55% (lower mid). Yield to maturity (debt): 6.08% (bottom quartile). Yield to maturity (debt): 6.16% (bottom quartile). Yield to maturity (debt): 6.56% (lower mid). Yield to maturity (debt): 6.08% (bottom quartile). Point 10 Modified duration: 2.47 yrs (lower mid). Modified duration: 3.07 yrs (bottom quartile). Modified duration: 2.58 yrs (bottom quartile). Modified duration: 1.63 yrs (upper mid). Modified duration: 2.53 yrs (lower mid). Modified duration: 0.87 yrs (upper mid). Modified duration: 0.49 yrs (top quartile). Modified duration: 0.56 yrs (top quartile). Modified duration: 4.01 yrs (bottom quartile). Modified duration: 0.65 yrs (upper mid). Franklin India Income Builder Account - Plan A - Direct
Axis Corporate Debt Opportunities Fund - Direct
UTI Short Term Income Fund - Direct
HDFC Floating Rate Income Fund - Short Term Plan - Direct
Franklin India Banking And PSU Debt Fund - Direct
UTI Treasury Advantage Fund - Direct
Franklin India Savings Plus Fund Retail Option - Direct
UTI Money Market Fund - Direct
Reliance Dynamic Bond Fund - Direct
Edelweiss Bond Fund - Direct
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) JM Balanced Fund - Direct Growth ₹135.069
↓ -0.39 ₹841 0.2 9.5 -7 22.1 21.8 29.3 UTI Wealth Builder Fund - Direct Growth ₹81.7872
↓ 0.00 ₹5,902 1.2 10.6 2.5 19.9 16.1 21.9 Edelweiss Prudent Advantage Fund - Direct Growth ₹72.13
↓ -0.10 ₹2,994 0.4 11.9 1.7 19.2 20.9 22.2 UTI Balanced Fund - Direct Growth ₹424.528
↓ -1.44 ₹6,422 -1.5 8.7 -1.2 16.7 19.4 20.5 BNP Paribas Balanced Fund - Direct Growth ₹31.342
↓ -0.03 ₹1,230 -1 10.7 -0.8 16.1 17.5 21.2 Franklin India Balanced Fund - Direct Growth ₹304.969
↓ -0.55 ₹2,256 -0.7 9.8 0.8 16.1 18.1 18.9 Axis Dynamic Equity Fund - Direct Growth ₹23.01
↓ -0.05 ₹3,431 -0.7 7.5 2.8 14.6 14.2 19 Edelweiss Equity Savings Advantage Fund - Direct Growth ₹27.972
↓ -0.02 ₹750 2.4 7.8 7.7 12.4 11.8 14.5 UTI SPREAD Fund - Direct Growth ₹37.6655
↑ 0.01 ₹8,512 1.7 3.6 7.5 7.6 6.3 8.3 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Aug 25 Research Highlights & Commentary of 9 Funds showcased
Commentary JM Balanced Fund - Direct UTI Wealth Builder Fund - Direct Edelweiss Prudent Advantage Fund - Direct UTI Balanced Fund - Direct BNP Paribas Balanced Fund - Direct Franklin India Balanced Fund - Direct Axis Dynamic Equity Fund - Direct Edelweiss Equity Savings Advantage Fund - Direct UTI SPREAD Fund - Direct Point 1 Bottom quartile AUM (₹841 Cr). Upper mid AUM (₹5,902 Cr). Lower mid AUM (₹2,994 Cr). Top quartile AUM (₹6,422 Cr). Bottom quartile AUM (₹1,230 Cr). Lower mid AUM (₹2,256 Cr). Upper mid AUM (₹3,431 Cr). Bottom quartile AUM (₹750 Cr). Highest AUM (₹8,512 Cr). Point 2 Oldest track record among peers (12 yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (12+ yrs). Established history (8+ yrs). Established history (12+ yrs). Established history (8+ yrs). Established history (10+ yrs). Established history (12+ 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: 21.77% (top quartile). 5Y return: 16.13% (lower mid). 5Y return: 20.89% (top quartile). 5Y return: 19.40% (upper mid). 5Y return: 17.47% (lower mid). 5Y return: 18.08% (upper mid). 5Y return: 14.19% (bottom quartile). 5Y return: 11.76% (bottom quartile). 5Y return: 6.28% (bottom quartile). Point 6 3Y return: 22.07% (top quartile). 3Y return: 19.91% (top quartile). 3Y return: 19.16% (upper mid). 3Y return: 16.66% (upper mid). 3Y return: 16.13% (lower mid). 3Y return: 16.06% (lower mid). 3Y return: 14.65% (bottom quartile). 3Y return: 12.36% (bottom quartile). 3Y return: 7.62% (bottom quartile). Point 7 1Y return: -7.00% (bottom quartile). 1Y return: 2.49% (upper mid). 1Y return: 1.71% (lower mid). 1Y return: -1.16% (bottom quartile). 1Y return: -0.75% (bottom quartile). 1Y return: 0.83% (lower mid). 1Y return: 2.77% (upper mid). 1Y return: 7.73% (top quartile). 1Y return: 7.47% (top quartile). Point 8 1M return: -1.51% (bottom quartile). 1M return: -0.08% (upper mid). 1M return: -1.02% (upper mid). 1M return: -2.31% (bottom quartile). 1M return: -1.23% (lower mid). 1M return: -1.65% (bottom quartile). 1M return: -1.03% (lower mid). 1M return: 0.37% (top quartile). 1M return: 0.54% (top quartile). Point 9 Alpha: -5.77 (bottom quartile). Alpha: 0.00 (lower mid). Alpha: 2.86 (top quartile). Alpha: 0.29 (upper mid). Alpha: 0.10 (upper mid). Alpha: 0.94 (top quartile). Alpha: 0.00 (lower mid). Alpha: 0.00 (bottom quartile). Alpha: 0.00 (bottom quartile). Point 10 Sharpe: -0.79 (bottom quartile). Sharpe: -0.15 (upper mid). Sharpe: -0.14 (upper mid). Sharpe: -0.35 (bottom quartile). Sharpe: -0.37 (bottom quartile). Sharpe: -0.28 (lower mid). Sharpe: -0.15 (lower mid). Sharpe: 0.41 (top quartile). Sharpe: 2.95 (top quartile). JM Balanced Fund - Direct
UTI Wealth Builder Fund - Direct
Edelweiss Prudent Advantage Fund - Direct
UTI Balanced Fund - Direct
BNP Paribas Balanced Fund - Direct
Franklin India Balanced Fund - Direct
Axis Dynamic Equity Fund - Direct
Edelweiss Equity Savings Advantage Fund - Direct
UTI SPREAD Fund - Direct