Kotak Conservative Hybrid Fund vs UTI Conservative Hybrid Fund
Kotak Conservative Hybrid Fund and UTI Conservative Hybrid Fund are both Conservative Hybrid funds. As of 6 Nov 2026 (Direct plan, Growth option): 3-year CAGR +8.92% vs +7.98%, 5-year CAGR +8.29% vs +7.06%, volatility 5.37% vs 4.96%, maximum drawdown −11.80% vs −14.44%. Their portfolios overlap by 28.7% (26 stocks held by both).
Showing the Direct plan, Growth option. Portfolio, sector and market-cap figures are the same for every plan and option of a fund.
Key facts
| Kotak Conservative Hybrid | UTI Conservative Hybrid | |
|---|---|---|
| Fund house | Kotak Mahindra Mutual Fund | UTI Mutual Fund |
| Compared as | Conservative Hybrid | Conservative Hybrid |
| NAV | ₹70.4707 | ₹77.3791 |
| NAV date | 6 Nov 2026 | 6 Nov 2026 |
| Launched (first NAV) | 30 Jan 2013 | 2 Jan 2013 |
| Track record | 13.8 yrs | 13.8 yrs |
| Fund size (AUM) | ₹2,733 Cr | — |
| Securities held | 117 | 107 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| Kotak Conservative Hybrid | UTI Conservative Hybrid | |
|---|---|---|
| 1 month | +1.84% | +1.82% |
| 3 months | −0.01% | −0.44% |
| 6 months | +2.90% | +2.02% |
| 1 year | +2.91% | +1.58% |
| 3 years (CAGR) | +8.92% | +7.98% |
| 5 years (CAGR) | +8.29% | +7.06% |
| 7 years (CAGR) | +10.43% | +8.82% |
| 10 years (CAGR) | +9.58% | +8.04% |
| Since launch (CAGR) | +10.26% | +9.10% |
| SIP return (XIRR, 5 years) ⓘ | +7.96% | +6.99% |
Up to one year: absolute return. Beyond one year: CAGR. Computed from each fund's own NAV history (AMFI), measured to the latest NAV.
Calendar-year returns
| Kotak Conservative Hybrid | UTI Conservative Hybrid | |
|---|---|---|
| 2026 (year to date) | +1.81% | +0.98% |
| 2025 | +6.52% | +6.72% |
| 2024 | +12.80% | +12.32% |
| 2023 | +15.40% | +11.96% |
| 2022 | +5.71% | +3.91% |
| 2021 | +14.79% | +13.83% |
Risk
| Kotak Conservative Hybrid | UTI Conservative Hybrid | |
|---|---|---|
| Volatility (annualised) ⓘ | 5.37% | 4.96% |
| Downside volatility ⓘ | 3.84% | 3.60% |
| Sharpe ratio ⓘ | 0.45 | 0.30 |
| Sortino ratio ⓘ | 0.63 | 0.41 |
| Maximum drawdown ⓘ | −11.80% | −14.44% |
| Recovery from that fall | 3 months | 5 months |
| Current fall from peak | −0.17% | −0.60% |
| Rolling 1-year return: worst | −2.15% | −12.28% |
| Rolling 1-year return: median | +10.77% | +9.47% |
| Rolling 1-year return: best | +30.91% | +29.58% |
| Share of 1-year periods with a loss | 1.36% | 3.78% |
Against each fund's benchmark
| Kotak Conservative Hybrid | UTI Conservative Hybrid | |
|---|---|---|
| Beta ⓘ | — | — |
| Alpha (Jensen's, annualised) ⓘ | — | — |
| R² ⓘ | — | — |
| Upside capture | — | — |
| Downside capture | — | — |
| Tracking error | — | — |
| Information ratio | — | — |
| Treynor ratio | — | — |
Portfolio
Asset mix
| Kotak Conservative Hybrid | UTI Conservative Hybrid | |
|---|---|---|
| Debt | 59.72% | 66.38% |
| Equity | 23.36% | 24.14% |
| Cash & equivalents | 16.08% | 9.22% |
| REITs / InvITs | 0.50% | 0.00% |
| AIF Units | 0.34% | 0.00% |
| ETF Units | 0.00% | 0.24% |
Market-cap split (share of fund assets)
| Kotak Conservative Hybrid | UTI Conservative Hybrid | |
|---|---|---|
| Large Cap | 14.84% | 15.93% |
| Mid Cap | 6.61% | 4.37% |
| Small Cap | 0.91% | 3.59% |
| Unclassified | 1.00% | 0.25% |
Concentration
| Kotak Conservative Hybrid | UTI Conservative Hybrid | |
|---|---|---|
| Top 10 holdings | 37.01% | 34.78% |
| Effective number of stocks ⓘ | 48.7 | 49.9 |
| Securities held | 117 | 107 |
Portfolio overlap: 28.7%
26 companies are held by both funds; by weight, 28.7% of the two portfolios is the same. That is a moderate overlap.
| Held by both | Kotak Conservative Hybrid | UTI Conservative Hybrid |
|---|---|---|
| Government Securities | 6.80% | 7.01% |
| 7.24% Government of India (18/08/2055) | 7.12% | 3.87% |
| Siddhivinayak Securitisation Trust | 2.62% | 2.98% |
| Muthoot Finance Ltd. | 1.83% | 1.56% |
| 7.44% National Bank For Agriculture and Rural Development (17/07/2029) | 3.62% | 1.54% |
| Shivshakti Securitisation Trust | 2.62% | 1.49% |
| ICICI Bank Limited | 1.45% | 1.53% |
| HDFC Bank Limited | 1.21% | 1.95% |
| Bharti Airtel Limited | 1.06% | 1.01% |
| Muthoot Finance Ltd. | 0.91% | 1.56% |
| State Bank of India | 1.24% | 0.78% |
| Axis Bank Limited | 0.69% | 0.96% |
| Reliance Industries Limited | 0.85% | 0.59% |
| Tech Mahindra Limited | 0.57% | 0.60% |
| Maruti Suzuki India Limited | 1.01% | 0.47% |
Top 10 holdings
Kotak Conservative Hybrid
- 7.24% Government of India (18/08/2055)7.12%
- Government Securities6.80%
- JTPM Metal Traders Limited3.95%
- Power Finance Corporation Ltd.3.62%
- 7.44% National Bank For Agriculture and Rural Development (17/07/2029)3.62%
- 7.57% LIC Housing Finance Limited (23/11/2029)2.72%
- Siddhivinayak Securitisation Trust2.62%
- Shivshakti Securitisation Trust2.62%
- National Housing Bank2.10%
- 360 One Prime Limited1.84%
UTI Conservative Hybrid
- Government Securities7.01%
- 7.40 % National Bank For Agriculture and Rural Development (29/04/2030)4.61%
- 7.24% Government of India (18/08/2055)3.87%
- 7.58% REC Limited3.10%
- 7.645% LIC Housing Finance Limited 21-FEB-20303.08%
- NCD JIO CREDIT LTD3.06%
- Siddhivinayak Securitisation Trust2.98%
- 7.34% GOI MAT 2204642.97%
- 6.94% Government of India (11/05/2036)2.15%
- HDFC Bank Limited1.95%
Sector exposure
| Kotak Conservative Hybrid | UTI Conservative Hybrid | |
|---|---|---|
| CRISIL AAA | 14.48% | 29.78% |
| Sovereign | 16.37% | 17.26% |
| Banks | 5.99% | 6.82% |
| CRISIL AAA(SO) | 5.24% | 4.47% |
| CRISIL AA | 5.22% | 0.00% |
| SOV | 4.29% | 2.66% |
| FITCH AA(CE) | 3.18% | 0.00% |
| CRISIL AA+ | 2.74% | 3.12% |
| ICRA AAA | 0.90% | 3.10% |
| ICRA AA+ | 1.83% | 2.67% |
| CARE AAA | 2.10% | 0.00% |
| IT - Software | 1.26% | 2.02% |
| Automobiles | 1.94% | 1.95% |
| ICRA AA | 1.84% | 0.00% |
Questions people ask
What is the difference between Kotak Conservative Hybrid and UTI Conservative Hybrid returns?
As of 6 Nov 2026, Direct plan Growth option: 1-year return +2.91% vs +1.58%; 3-year CAGR +8.92% vs +7.98%; 5-year CAGR +8.29% vs +7.06%; 10-year CAGR +9.58% vs +8.04%. Past returns do not indicate future returns.
How do Kotak Conservative Hybrid and UTI Conservative Hybrid compare on risk?
Volatility (36 monthly returns, annualised) 5.37% vs 4.96%; Sharpe ratio 0.45 vs 0.30; Sortino ratio 0.63 vs 0.41; maximum drawdown −11.80% vs −14.44%; beta — vs —.
How much do Kotak Conservative Hybrid and UTI Conservative Hybrid overlap?
By weight, 28.7% of the two portfolios is invested in the same companies; 26 stocks are held by both, the largest shared positions being Government Securities, 7.24% Government of India (18/08/2055), Siddhivinayak Securitisation Trust. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of Kotak Conservative Hybrid and UTI Conservative Hybrid?
Kotak Conservative Hybrid: large cap 14.8%, mid cap 6.6%, small cap 0.9%. UTI Conservative Hybrid: large cap 15.9%, mid cap 4.4%, small cap 3.6% (share of the fund's assets, from its latest disclosed portfolio).
Is this a recommendation to choose one of these funds?
No. This page places the published figures of both funds side by side. It does not rank, rate or recommend either fund; which one suits an investor depends on their goals, horizon and risk tolerance.
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Sources: NAV from AMFI; returns, risk and ratios computed by MF Analyser from each fund's NAV history (risk on 36 monthly returns, risk-free rate 6.5%); benchmark ratios against each fund's benchmark total-return index; portfolios from each fund house's monthly disclosure. Returns and ratios as of 6 Nov 2026. IDCW options show no return or risk figures because payouts reduce the NAV and AMFI's file carries no payout history to add back. This page compares published figures only — it does not rank, rate or recommend either fund. Past performance does not indicate future returns; mutual fund investments are subject to market risks.