UNIFI DYNAMIC ASSET ALLOCATION FUND vs UTI - Unit Linked Insurance Plan
UNIFI DYNAMIC ASSET ALLOCATION FUND and UTI - Unit Linked Insurance Plan are both Balanced Advantage funds. As of 6 Nov 2026 (Direct plan, Growth option): 3-year CAGR — vs +8.62%, 5-year CAGR — vs +6.26%, volatility 0.75% vs 7.03%, maximum drawdown −0.17% vs −17.85%. Their portfolios overlap by 9.1% (16 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
| UNIFI DYNAMIC ASSET ALLOCATION | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| Fund house | Unifi Mutual Fund | UTI Mutual Fund |
| Compared as | Balanced Advantage | Balanced Advantage |
| NAV | ₹11.4478 | ₹47.3522 |
| NAV date | 6 Nov 2026 | 6 Nov 2026 |
| Launched (first NAV) | 17 Mar 2025 | 9 Jan 2013 |
| Track record | 1.6 yrs | 13.8 yrs |
| Fund size (AUM) | ₹1,478 Cr | — |
| Securities held | 143 | 119 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| UNIFI DYNAMIC ASSET ALLOCATION | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| 1 month | +0.69% | +2.82% |
| 3 months | +2.25% | +0.30% |
| 6 months | +4.71% | +5.67% |
| 1 year | +8.75% | +3.02% |
| 3 years (CAGR) | — | +8.62% |
| 5 years (CAGR) | — | +6.26% |
| 7 years (CAGR) | — | +9.09% |
| 10 years (CAGR) | — | +8.03% |
| Since launch (CAGR) | +8.56% | +7.28% |
| SIP return (XIRR, 5 years) ⓘ | — | +7.37% |
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
| UNIFI DYNAMIC ASSET ALLOCATION | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| 2026 (year to date) | +7.40% | +3.52% |
| 2025 | — | +5.12% |
| 2024 | — | +12.24% |
| 2023 | — | +12.76% |
| 2022 | — | −1.60% |
| 2021 | — | +15.42% |
Risk
| UNIFI DYNAMIC ASSET ALLOCATION | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| Volatility (annualised) ⓘ | 0.75% | 7.03% |
| Downside volatility ⓘ | 0.27% | 4.99% |
| Sharpe ratio ⓘ | 2.73 | 0.30 |
| Sortino ratio ⓘ | 7.56 | 0.43 |
| Maximum drawdown ⓘ | −0.17% | −17.85% |
| Recovery from that fall | 0 months | 6 months |
| Current fall from peak | 0.00% | −0.32% |
| Rolling 1-year return: worst | +7.09% | −15.63% |
| Rolling 1-year return: median | +8.06% | +8.93% |
| Rolling 1-year return: best | +8.79% | +37.78% |
| Share of 1-year periods with a loss | 0.00% | 13.34% |
Against each fund's benchmark
| UNIFI DYNAMIC ASSET ALLOCATION | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| Beta ⓘ | 0.02 | 0.44 |
| Alpha (Jensen's, annualised) ⓘ | +1.53% | +0.11% |
| R² ⓘ | 14.91 | 85.44 |
| Upside capture | 26.10% | 54.82% |
| Downside capture | -18.27% | 36.39% |
| Tracking error | 14.49% | 8.78% |
| Information ratio | 0.58 | -0.07 |
| Treynor ratio | 85.69 | 3.04 |
Portfolio
Asset mix
| UNIFI DYNAMIC ASSET ALLOCATION | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| Debt | 52.03% | 52.27% |
| Equity | 36.08% | 37.99% |
| Cash & equivalents | 11.90% | 8.41% |
| REITs / InvITs | 0.00% | 1.01% |
| ETF Units | 0.00% | 0.32% |
Market-cap split (share of fund assets)
| UNIFI DYNAMIC ASSET ALLOCATION | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| Large Cap | 28.56% | 23.77% |
| Mid Cap | 3.65% | 10.67% |
| Small Cap | 3.66% | 3.55% |
| Unclassified | 0.19% | 0.00% |
Concentration
| UNIFI DYNAMIC ASSET ALLOCATION | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| Top 10 holdings | 29.95% | 31.12% |
| Effective number of stocks ⓘ | 64.6 | 54.6 |
| Securities held | 143 | 119 |
Portfolio overlap: 9.1%
16 companies are held by both funds; by weight, 9.1% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | UNIFI DYNAMIC ASSET ALLOCATION | UTI - Unit Linked Insurance Plan |
|---|---|---|
| HDFC Bank Limited | 3.22% | 2.03% |
| Bajaj Finance Limited | 1.22% | 2.34% |
| Bharti Airtel Limited | 1.19% | 1.46% |
| 6.94% Government of India (11/05/2036) | 2.00% | 1.00% |
| ICICI Bank Limited | 0.96% | 2.53% |
| Mahindra & Mahindra Limited | 0.64% | 1.04% |
| Kotak Mahindra Bank Limited | 0.51% | 1.51% |
| Maruti Suzuki India Limited | 0.36% | 0.87% |
| Titan Company Limited | 0.36% | 1.72% |
| Torrent Pharmaceuticals Limited | 0.31% | 0.60% |
| Divi's Laboratories Limited | 0.22% | 0.75% |
| AU Small Finance Bank Limited | 0.18% | 0.43% |
| Eicher Motors Ltd. | 0.06% | 0.93% |
| Astral Limited | 0.05% | 0.64% |
| Nestle India Limited | 0.02% | 0.44% |
Top 10 holdings
UNIFI DYNAMIC ASSET ALLOCATION
- 9.45% Vedanta Limited4.11%
- 9.75% Shrem Infra Invest Pvt Ltd 15-MAY-20283.79%
- Government of India (10/04/2028)3.76%
- GMR Airports Ltd.3.26%
- HDFC Bank Limited3.22%
- JSW Kalinga Steel Ltd.2.82%
- 10.00% GMR Goa International Airport Ltd. 27-SEP-20432.69%
- 0.00% Jubilant Bevco Ltd (31-May-2028)2.28%
- 10.80% Namdev Finvest Limited 18-OCT-20292.02%
- 6.94% Government of India (11/05/2036)2.00%
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
| UNIFI DYNAMIC ASSET ALLOCATION | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| Sovereign | 6.08% | 18.19% |
| CRISIL AAA | 0.50% | 10.32% |
| Banks | 10.11% | 6.50% |
| Retailing | 0.29% | 6.72% |
| SOV | 0.00% | 6.32% |
| CRISIL A1+ | 0.00% | 6.00% |
| CRISIL AA+ | 5.79% | 0.51% |
| CRISIL AA | 5.10% | 0.66% |
| CARE A- | 4.71% | 0.00% |
| CRISIL AA- | 4.54% | 0.00% |
| CRISIL A+ | 4.32% | 0.00% |
| Consumer Durables | 0.70% | 4.27% |
| IT - Software | 1.40% | 4.02% |
| CRISIL-AAA | 0.00% | 4.01% |
Questions people ask
What is the difference between UNIFI DYNAMIC ASSET ALLOCATION and UTI - Unit Linked Insurance Plan returns?
As of 6 Nov 2026, Direct plan Growth option: 1-year return +8.75% vs +3.02%; 3-year CAGR — vs +8.62%; 5-year CAGR — vs +6.26%; 10-year CAGR — vs +8.03%. Past returns do not indicate future returns.
How do UNIFI DYNAMIC ASSET ALLOCATION and UTI - Unit Linked Insurance Plan compare on risk?
Volatility (36 monthly returns, annualised) 0.75% vs 7.03%; Sharpe ratio 2.73 vs 0.30; Sortino ratio 7.56 vs 0.43; maximum drawdown −0.17% vs −17.85%; beta 0.02 vs 0.44.
How much do UNIFI DYNAMIC ASSET ALLOCATION and UTI - Unit Linked Insurance Plan overlap?
By weight, 9.1% of the two portfolios is invested in the same companies; 16 stocks are held by both, the largest shared positions being HDFC Bank Limited, Bajaj Finance Limited, Bharti Airtel Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of UNIFI DYNAMIC ASSET ALLOCATION and UTI - Unit Linked Insurance Plan?
UNIFI DYNAMIC ASSET ALLOCATION: large cap 28.6%, mid cap 3.7%, small cap 3.7%. 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 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.