Motilal Oswal Balanced Advantage Fund vs UTI - Unit Linked Insurance Plan
Motilal Oswal Balanced Advantage Fund and UTI - Unit Linked Insurance Plan are both Balanced Advantage funds. As of 5 Nov 2026 (Direct plan, Growth option): 3-year CAGR +4.35% vs +8.60%, 5-year CAGR +6.25% vs +6.18%, volatility 14.83% vs 6.98%, maximum drawdown −26.53% vs −17.85%. Their portfolios overlap by 8.3% (5 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
| Motilal Oswal Balanced Advantage | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| Fund house | Motilal Oswal Mutual Fund | UTI Mutual Fund |
| Compared as | Balanced Advantage | Balanced Advantage |
| NAV | ₹22.6925 | ₹47.1656 |
| NAV date | 5 Nov 2026 | 5 Nov 2026 |
| Launched (first NAV) | 28 Sep 2016 | 9 Jan 2013 |
| Track record | 10.1 yrs | 13.8 yrs |
| Fund size (AUM) | ₹712 Cr | — |
| Securities held | 31 | 119 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| Motilal Oswal Balanced Advantage | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| 1 month | +3.48% | +2.25% |
| 3 months | +3.59% | −0.35% |
| 6 months | +10.84% | +5.32% |
| 1 year | +0.31% | +2.41% |
| 3 years (CAGR) | +4.35% | +8.60% |
| 5 years (CAGR) | +6.25% | +6.18% |
| 7 years (CAGR) | +7.74% | +9.02% |
| 10 years (CAGR) | +8.63% | +7.99% |
| Since launch (CAGR) | +8.41% | +7.25% |
| SIP return (XIRR, 5 years) ⓘ | +6.39% | +7.21% |
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
| Motilal Oswal Balanced Advantage | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| 2026 (year to date) | +5.42% | +3.11% |
| 2025 | −5.86% | +5.12% |
| 2024 | +10.76% | +12.24% |
| 2023 | +25.60% | +12.76% |
| 2022 | +0.14% | −1.60% |
| 2021 | +8.74% | +15.42% |
Risk
| Motilal Oswal Balanced Advantage | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| Volatility (annualised) ⓘ | 14.83% | 6.98% |
| Downside volatility ⓘ | 11.53% | 4.99% |
| Sharpe ratio ⓘ | -0.14 | 0.30 |
| Sortino ratio ⓘ | -0.19 | 0.42 |
| Maximum drawdown ⓘ | −26.53% | −17.85% |
| Recovery from that fall | — | 6 months |
| Current fall from peak | −11.40% | −0.71% |
| Rolling 1-year return: worst | −15.81% | −15.63% |
| Rolling 1-year return: median | +6.74% | +8.93% |
| Rolling 1-year return: best | +41.59% | +37.78% |
| Share of 1-year periods with a loss | 28.71% | 13.34% |
Against each fund's benchmark
| Motilal Oswal Balanced Advantage | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| Beta ⓘ | 0.69 | 0.44 |
| Alpha (Jensen's, annualised) ⓘ | −4.55% | +0.11% |
| R² ⓘ | 47.37 | 85.44 |
| Upside capture | 67.09% | 54.82% |
| Downside capture | 82.97% | 36.39% |
| Tracking error | 11.71% | 8.78% |
| Information ratio | -0.48 | -0.07 |
| Treynor ratio | -5.40 | 3.04 |
Portfolio
Asset mix
| Motilal Oswal Balanced Advantage | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| Equity | 68.50% | 37.99% |
| Debt | 17.29% | 52.27% |
| Cash & equivalents | 14.21% | 8.41% |
| REITs / InvITs | 0.00% | 1.01% |
| ETF Units | 0.00% | 0.32% |
Market-cap split (share of fund assets)
| Motilal Oswal Balanced Advantage | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| Large Cap | 35.05% | 23.77% |
| Mid Cap | 18.46% | 10.67% |
| Small Cap | 6.24% | 3.55% |
| Unclassified | 8.75% | 0.00% |
Concentration
| Motilal Oswal Balanced Advantage | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| Top 10 holdings | 36.21% | 31.12% |
| Effective number of stocks ⓘ | 38.8 | 54.6 |
| Securities held | 31 | 119 |
Portfolio overlap: 8.3%
5 companies are held by both funds; by weight, 8.3% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | Motilal Oswal Balanced Advantage | UTI - Unit Linked Insurance Plan |
|---|---|---|
| Eternal Limited | 3.55% | 2.89% |
| Titan Company Limited | 2.10% | 1.72% |
| Coforge Limited | 4.06% | 1.62% |
| Kotak Mahindra Bank Limited | 4.35% | 1.51% |
| Torrent Pharmaceuticals Limited | 3.15% | 0.60% |
Top 10 holdings
Motilal Oswal Balanced Advantage
- Kotak Mahindra Bank Limited4.35%
- Coforge Limited4.06%
- Eternal Limited3.55%
- ICICI Prudential Asset Management Company Limited3.51%
- 7.3763% Bajaj Finance Limited (26/06/2028)3.47%
- HDB Financial Services Ltd - 7.4091% - 05/06/20283.47%
- 7.1554% Kotak Mahindra Prime Ltd (19-Jun-2028)3.46%
- Axis Bank Limited3.45%
- 7.88% Muthoot Finance Limited (22/11/2028)3.45%
- 7.12% Tata Capital Limited 20283.44%
UTI - Unit Linked Insurance Plan
- 7.18% Government of India (24/07/2037)8.09%
- 7.32% Government of India4.12%
- Eternal Limited2.89%
- 7.24% Government of India (18/08/2055)2.60%
- ICICI Bank Limited2.53%
- Mahindra & Mahindra Financial Services Limited2.53%
- Bajaj Finance Limited2.34%
- HDFC Bank Limited2.03%
- Indian Railways Finance Corp. Ltd.2.01%
- CP BAJAJ FINANCIAL SECURITIES LTD1.98%
Sector exposure
| Motilal Oswal Balanced Advantage | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| Sovereign | 0.00% | 18.19% |
| CRISIL AAA | 13.84% | 10.32% |
| Banks | 11.00% | 6.50% |
| Electrical Equipment | 8.09% | 0.00% |
| Consumer Durables | 7.51% | 4.27% |
| Retailing | 6.83% | 6.72% |
| SOV | 0.00% | 6.32% |
| CRISIL A1+ | 0.00% | 6.00% |
| Capital Markets | 5.62% | 0.00% |
| Beverages | 5.23% | 0.00% |
| Pharmaceuticals & Biotechnology | 4.51% | 3.36% |
| IT - Software | 4.06% | 4.02% |
| CRISIL-AAA | 0.00% | 4.01% |
| CRISIL AA+ | 3.45% | 0.51% |
Questions people ask
What is the difference between Motilal Oswal Balanced Advantage and UTI - Unit Linked Insurance Plan returns?
As of 5 Nov 2026, Direct plan Growth option: 1-year return +0.31% vs +2.41%; 3-year CAGR +4.35% vs +8.60%; 5-year CAGR +6.25% vs +6.18%; 10-year CAGR +8.63% vs +7.99%. Past returns do not indicate future returns.
How do Motilal Oswal Balanced Advantage and UTI - Unit Linked Insurance Plan compare on risk?
Volatility (36 monthly returns, annualised) 14.83% vs 6.98%; Sharpe ratio -0.14 vs 0.30; Sortino ratio -0.19 vs 0.42; maximum drawdown −26.53% vs −17.85%; beta 0.69 vs 0.44.
How much do Motilal Oswal Balanced Advantage and UTI - Unit Linked Insurance Plan overlap?
By weight, 8.3% of the two portfolios is invested in the same companies; 5 stocks are held by both, the largest shared positions being Eternal Limited, Titan Company Limited, Coforge Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of Motilal Oswal Balanced Advantage and UTI - Unit Linked Insurance Plan?
Motilal Oswal Balanced Advantage: large cap 35.1%, mid cap 18.5%, small cap 6.2%. UTI - Unit Linked Insurance Plan: large cap 23.8%, mid cap 10.7%, 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 5 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.