Direct vs Regular Plan

Direct plans skip the distributor commission, so they cost less.

A direct plan is bought straight from the fund house and carries no distributor commission. A regular plan is bought through an intermediary who is paid from the fund's expenses.

The portfolios are identical. The difference is the annual charge, typically around 0.5–1% — which compounds into a large gap over decades.

Growth means gains stay invested and compound; IDCW (formerly "dividend") pays some out periodically.

Analysis only: Supath AI does not give investment advice. Consult a SEBI-registered financial advisor before making investment decisions.