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demand factor : actual percentage power need to supply any system
diversity factor : the differential percentage for system's applications , also we can say diversity factor is demand factor to group from systems or buildings
Diversity factor is the ratio of the sum of the individual maximum demands of the various subdivisions of a system (or part of a system) to the maximum demand of the whole system (or part of the system) under consideration. Diversity is usually more than one.
Demand factor is the ratio of the sum of the maximum demand of a system (or part of a system) to the total connected load on the system (or part of the system) under consideration. Demand factor is always less than one.