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53 schemes · 155 plan variants

Investor Guide

Mutual Fund Plans & Options Explained

Mutual fund schemes share the identical portfolio of securities, but differ fundamentally in distributor fees and payout tax mechanics:

Direct Plan0% Commission

Zero Intermediary Commissions

You invest directly with the Asset Management Company (AMC). No commission is paid to anyone. Because zero distributor fee is deducted, Direct plans have a lower Total Expense Ratio (TER), keeping more of your money compounding.

Regular PlanDistributor Commission Paid

Annual Commission to Distributor

You invest through an agent, bank, or broker. An ongoing commission is paid to the distributor out of your invested fund balance every single year. This higher expense ratio reduces your net returns over long holding horizons.

Growth OptionCompounding Wealth

Profits Stay Reinvested

All capital gains and dividends generated by holdings are automatically reinvested into the scheme. The NAV increases over time, maximizing compounding. Capital gains tax applies only upon unit redemption.

IDCW OptionTaxed as Income

Periodic Cash Payouts

Income Distribution cum Capital Withdrawal (formerly Dividend Option). The fund distributes periodic cash from scheme surplus, directly reducing the NAV. Payouts are taxed at your personal income tax slab rate in the year received.

Every product

  1. Aditya Birla Sun LifeADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNADirectGrowthIDCWRegularGrowthIDCW Payout
    SEBI sub-category
    Children's Fund
    Management style
    Active
    Benchmark index
    Nifty 500 TRI
    Stated by brand
  2. Aditya Birla Sun LifeAditya Birla Sun Life Retirement Fund-The 30s PlanDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    Nifty 500 TRI
    Stated by brand
  3. Aditya Birla Sun LifeAditya Birla Sun Life Retirement Fund-The 40s PlanDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  4. Aditya Birla Sun LifeAditya Birla Sun Life Retirement Fund-The 50s PlanDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  5. Aditya Birla Sun LifeAditya Birla Sun Life Retirement Fund-The 50s Plus-Debt PlanDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  6. AxisAxis Children's FundDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Children's Fund
    Management style
    Active
    Benchmark index
    Nifty 50 Hybrid Composite Debt 65 : 35 Index
    Stated by brand
  7. AxisAxis Retirement Fund - Aggressive PlanDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  8. AxisAxis Retirement Fund - Conservative PlanDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  9. AxisAxis Retirement Fund - Dynamic PlanDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  10. BandhanBANDHAN RETIREMENT FUNDDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    CRISIL Hybrid 50+50 - Moderate Index
    Stated by brand
  11. Baroda BNP ParibasBaroda BNP Paribas Children's FundDirectGrowthRegularGrowthIDCW
    SEBI sub-category
    Children's Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  12. Baroda BNP ParibasBaroda BNP Paribas Retirement FundDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  13. Franklin TempletonFranklin India Retirement FundDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    CRISIL Short Term Debt Hybrid 60+40 Index
    Stated by brand
  14. HDFCHDFC Children's FundDirectGrowthRegularGrowth
    SEBI sub-category
    Children's Fund
    Management style
    Active
    Benchmark index
    NIFTY 50 Hybrid Composite Debt 65:35 Index (TRI)
    Stated by brand
  15. HDFCHDFC Retirement Fund - Equity PlanDirectGrowthRegularGrowth
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  16. HDFCHDFC Retirement Fund - Hybrid-Debt PlanDirectGrowthRegularGrowth
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  17. HDFCHDFC Retirement Fund - Hybrid-Equity PlanDirectGrowthRegularGrowth
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  18. ICICI PrudentialICICI Prudential Children's FundDirectGrowthRegularGrowth
    SEBI sub-category
    Children's Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  19. ICICI PrudentialICICI Prudential Retirement Fund Hybrid Aggressive PlanDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  20. ICICI PrudentialICICI Prudential Retirement Fund Hybrid Conservative PlanDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  21. ICICI PrudentialICICI Prudential Retirement Fund Pure Debt PlanDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  22. ICICI PrudentialICICI Prudential Retirement Fund Pure Equity PlanDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  23. Kotak MahindraKotak Monthly Interval Plan Series 4
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand Unconfirmed
  24. Kotak MahindraKotak Quarterly Interval Plan Sr. 12
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand Unconfirmed
  25. Kotak MahindraKotak Quarterly Interval Plan Sr. 13
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand Unconfirmed
  26. LICLIC MF Children's FundDirectGrowthRegularGrowth
    SEBI sub-category
    Children's Fund
    Management style
    Active
    Benchmark index
    CRISIL Hybrid 35 + 65 - Aggressive Index - Total Return Index (TRI)
    Stated by brand
  27. Nippon IndiaNippon India Interval Fund Annual Interval Fund Series-I
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    CRISIL Short Term Bond Index
    Stated by brand Unconfirmed
  28. Nippon IndiaNippon India Interval Fund V - Series 2
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand Unconfirmed
  29. Nippon IndiaNippon India Interval Fund V- Series 1
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand Unconfirmed
  30. Nippon IndiaNippon India Interval Fund-Quarterly Interval Fund Serie-IIDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  31. Nippon IndiaNippon India Retirement Fund- Income Generation SchemeDirectGrowthBonusIDCWRegularGrowthBonusIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  32. Nippon IndiaNippon India Retirement Fund- Wealth Creation SchemeDirectGrowthBonusIDCWRegularGrowthBonusIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  33. Nippon IndiaNippon India Yearly Interval Fund - Series 1
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand Unconfirmed
  34. Nippon IndiaReliance Interval Fund -IV - Series 2 (1110 days)
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand Unconfirmed
  35. Nippon IndiaReliance Interval Fund IV- Series 3
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand Unconfirmed
  36. PGIM IndiaPGIM India Retirement FundDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  37. SBISBI Children's Fund - Investment PlanDirectGrowthRegularGrowth
    SEBI sub-category
    Children's Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  38. SBISBI CHILDREN'S FUND - SAVINGS PLANDirectGrowthRegularGrowth
    SEBI sub-category
    Children's Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  39. SBISBI Retirement Benefit Fund - Aggressive Hybrid PlanDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  40. SBISBI Retirement Benefit Fund - Aggressive PlanDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  41. SBISBI Retirement Benefit Fund - Conservative Hybrid PlanDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  42. SBISBI Retirement Benefit Fund - Conservative PlanDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  43. TataTata Childrens FundDirectGrowthRegularGrowth
    SEBI sub-category
    Children's Fund
    Management style
    Active
    Benchmark index
    Nifty 500 TRI
    Stated by brand
  44. TataTata Retirement Savings Fund-Conservative PlanDirectGrowthRegularGrowth
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  45. TataTata Retirement Savings Fund-Moderate PlanDirectGrowthRegularGrowth
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    Crisil Hybrid 25+75 - Aggressive Index
    Stated by brand
  46. TataTata Retirement Savings Fund-Progressive PlanDirectGrowthRegularGrowth
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    Nifty 500 TRI
    Stated by brand
  47. UnionUnion Children's FundDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Children's Fund
    Management style
    Active
    Benchmark index
    BSE 500 Index ^^ (TRI)
    Stated by brand
  48. UnionUnion Retirement FundDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  49. UTIUTI Children's Equity FundDirectGrowthIDCWRegularGrowthIDCW
    SEBI sub-category
    Children's Fund
    Management style
    Active
    Benchmark index
    Nifty 500 TRI
    Stated by brand
  50. UTIUTI Children's Hybrid FundDirectGrowthRegularGrowth
    SEBI sub-category
    Children's Fund
    Management style
    Active
    Benchmark index
    CRISIL Short Term Debt Hybrid 60+40 Index
    Stated by brand
  51. UTIUTI Retirement FundDirectGrowthRegularGrowth
    SEBI sub-category
    Retirement Fund
    Management style
    Active
    Benchmark index
    CRISIL Short Term Debt Hybrid 60+40 Index
    Stated by brand
  52. ZerodhaZerodha Life Cycle Fund 2036DirectGrowth
    SEBI sub-category
    Life Cycle Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand
  53. ZerodhaZerodha Life Cycle Fund 2041DirectGrowth
    SEBI sub-category
    Life Cycle Fund
    Management style
    Active
    Benchmark index
    —
    Stated by brand