Regular plan mutual funds
Regular plans, the plans GrowIQ transacts, with the servicing their trail commission pays for.
Summary
Regular plans, the plans GrowIQ transacts, with the servicing their trail commission pays for. The rule is: Plan type is Regular. This is a complete list on that rule, ordered by minimum SIP instalment, smallest first — not a ranking or a recommendation.
What this page lists
Plan type is Regular.
Every matching scheme we can transact in is here — ordered by minimum SIP instalment, smallest first. It is not a shortlist and not a ranking. GrowIQ is a distributor, not an adviser, and does not rate funds.
No schemes match yet
Either the exchange scheme master has not been synced yet, or no scheme currently meets this rule. The master refreshes daily and this page recomputes with it.
Regular plan mutual funds: questions
How many mutual funds match this?
No schemes currently match this rule in the exchange scheme master. The master refreshes daily and this page recomputes with it.
What is the difference between a regular and a direct plan?
They are the same portfolio, run by the same manager, holding the same securities on the same day. The difference is the expense ratio: a regular plan's includes a trail commission paid to the distributor who services the investment, and a direct plan's does not. Because the expense ratio is deducted before the NAV is struck, a direct plan's NAV rises slightly faster. The gap is typically 0.5 to 1 percentage point a year on equity schemes and less on debt schemes, and it compounds over long holding periods.
Why does GrowIQ offer regular plans rather than direct?
Because the servicing is the product. A direct plan is a self-service transaction: nobody onboards you, nobody chases a rejected mandate, nobody reconciles a missing folio with the registrar, and nobody answers the phone when a redemption has not landed. GrowIQ does those things, and the trail commission inside a regular plan is what pays for them. That is the whole trade, and it is a trade — not a free upgrade. If you would rather do the paperwork yourself and keep the difference, a direct plan is the cheaper route and you do not need us for it.
What does the trail commission actually cost me?
It is not billed to you and it is not deducted from your bank account. It is paid by the AMC out of the scheme's expense ratio, which is already reflected in the NAV you see — so the cost shows up as a slightly lower NAV over time rather than as a charge you can point at. On ₹10 lakh at an assumed 12% before costs, a 0.75 percentage point difference in expense ratio — 1.75% against 1.00% — compounds to about ₹70.4 lakh instead of ₹80.6 lakh over 20 years. Roughly ₹10.2 lakh of difference on a ₹10 lakh investment. That is a real number and it belongs in the decision.
Can I hold both regular and direct plans?
Yes, and many investors do — regular where they want servicing, direct where they are comfortable self-managing. They are separate folios and separate holdings even in the same scheme. Switching an existing holding from regular to direct is treated as a redemption and a fresh purchase, so it is a taxable event and any exit load or lock-in still applies.
Is this list a recommendation?
No. It is every scheme matching one stated, checkable rule — Plan type is Regular. It is ordered by minimum SIP instalment, smallest first, so the order is reproducible and carries no judgement. GrowIQ Capital is an AMFI-registered mutual fund distributor (ARN-352082), not a SEBI Registered Investment Adviser, and does not rate, rank or recommend schemes.
Other ways to narrow the list
Mutual funds you can start a SIP in from ₹100
Minimum SIP instalment of ₹100 or less, and SIP registration currently permitted.
Mutual funds you can start a SIP in from ₹500
Minimum SIP instalment of ₹500 or less, and SIP registration currently permitted.
ELSS tax-saving mutual funds under Section 80C
SEBI scheme category is ELSS.
Mutual funds with no lock-in period
Statutory lock-in of zero months.
Mutual funds with no exit load
The scheme's disclosed exit load note states nil.
Mutual funds you can invest a lump sum in from ₹500
Minimum lump-sum purchase of ₹500 or less, and purchases currently permitted.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance does not indicate future returns. Minimums, exit loads and lock-ins are taken from the exchange scheme master and can be changed by the AMC — check the scheme’s own documents before transacting. GrowIQ Capital is an AMFI-registered mutual fund distributor (ARN-352082).