UTI Balanced Advantage Fund vs UTI - Unit Linked Insurance Plan
UTI Balanced Advantage Fund and UTI - Unit Linked Insurance Plan are both Balanced Advantage funds. As of 6 Nov 2026 (Direct plan, Growth option): 3-year CAGR +10.14% vs +8.62%, 5-year CAGR — vs +6.26%, volatility 9.21% vs 7.03%, maximum drawdown −10.47% vs −17.85%. Their portfolios overlap by 22.8% (23 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
| UTI Balanced Advantage | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| Fund house | UTI Mutual Fund | UTI Mutual Fund |
| Compared as | Balanced Advantage | Balanced Advantage |
| NAV | ₹13.5436 | ₹47.3522 |
| NAV date | 6 Nov 2026 | 6 Nov 2026 |
| Launched (first NAV) | 17 Aug 2023 | 9 Jan 2013 |
| Track record | 3.2 yrs | 13.8 yrs |
| Fund size (AUM) | — | — |
| Securities held | 86 | 119 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| UTI Balanced Advantage | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| 1 month | +6.92% | +2.82% |
| 3 months | +2.14% | +0.30% |
| 6 months | +5.13% | +5.67% |
| 1 year | +2.13% | +3.02% |
| 3 years (CAGR) | +10.14% | +8.62% |
| 5 years (CAGR) | — | +6.26% |
| 7 years (CAGR) | — | +9.09% |
| 10 years (CAGR) | — | +8.03% |
| Since launch (CAGR) | +10.03% | +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
| UTI Balanced Advantage | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| 2026 (year to date) | +0.30% | +3.52% |
| 2025 | +10.20% | +5.12% |
| 2024 | +12.52% | +12.24% |
| 2023 | — | +12.76% |
| 2022 | — | −1.60% |
| 2021 | — | +15.42% |
Risk
| UTI Balanced Advantage | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| Volatility (annualised) ⓘ | 9.21% | 7.03% |
| Downside volatility ⓘ | 6.56% | 4.99% |
| Sharpe ratio ⓘ | 0.40 | 0.30 |
| Sortino ratio ⓘ | 0.55 | 0.43 |
| Maximum drawdown ⓘ | −10.47% | −17.85% |
| Recovery from that fall | — | 6 months |
| Current fall from peak | −0.22% | −0.32% |
| Rolling 1-year return: worst | −5.53% | −15.63% |
| Rolling 1-year return: median | +8.67% | +8.93% |
| Rolling 1-year return: best | +25.03% | +37.78% |
| Share of 1-year periods with a loss | 15.64% | 13.34% |
Against each fund's benchmark
| UTI Balanced Advantage | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| Beta ⓘ | 0.59 | 0.44 |
| Alpha (Jensen's, annualised) ⓘ | +0.52% | +0.11% |
| R² ⓘ | 95.24 | 85.44 |
| Upside capture | 67.28% | 54.82% |
| Downside capture | 51.05% | 36.39% |
| Tracking error | 6.42% | 8.78% |
| Information ratio | 0.01 | -0.07 |
| Treynor ratio | 3.48 | 3.04 |
Portfolio
Asset mix
| UTI Balanced Advantage | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| Equity | 68.71% | 37.99% |
| Debt | 24.98% | 52.27% |
| Cash & equivalents | 4.82% | 8.41% |
| REITs / InvITs | 1.47% | 1.01% |
| ETF Units | 0.00% | 0.32% |
Market-cap split (share of fund assets)
| UTI Balanced Advantage | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| Large Cap | 57.31% | 23.77% |
| Mid Cap | 7.25% | 10.67% |
| Small Cap | 3.14% | 3.55% |
| Unclassified | 1.01% | 0.00% |
Concentration
| UTI Balanced Advantage | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| Top 10 holdings | 39.07% | 31.12% |
| Effective number of stocks ⓘ | 42.7 | 54.6 |
| Securities held | 86 | 119 |
Portfolio overlap: 22.8%
23 companies are held by both funds; by weight, 22.8% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | UTI Balanced Advantage | UTI - Unit Linked Insurance Plan |
|---|---|---|
| ICICI Bank Limited | 6.61% | 2.53% |
| Eternal Limited | 2.51% | 2.89% |
| Bajaj Finance Limited | 2.29% | 2.34% |
| HDFC Bank Limited | 6.71% | 2.03% |
| Titan Company Limited | 1.89% | 1.72% |
| Kotak Mahindra Bank Limited | 3.37% | 1.51% |
| Bharti Airtel Limited | 3.50% | 1.46% |
| Mahindra & Mahindra Limited | 2.02% | 1.04% |
| Maruti Suzuki India Limited | 1.02% | 0.87% |
| Ajanta Pharma Limited | 0.86% | 0.92% |
| Dr. Lal Path Labs Limited | 0.85% | 0.98% |
| Eicher Motors Ltd. | 0.80% | 0.93% |
| Info Edge (India) Limited | 0.73% | 1.55% |
| LTM Limited | 0.72% | 0.95% |
| Coforge Limited | 0.54% | 1.62% |
Top 10 holdings
UTI Balanced Advantage
- HDFC Bank Limited6.71%
- ICICI Bank Limited6.61%
- Reliance Industries Limited4.29%
- Government of India (10/04/2028)3.71%
- Bharti Airtel Limited3.50%
- Kotak Mahindra Bank Limited3.37%
- Axis Bank Limited2.91%
- Infosys Limited2.73%
- State Bank of India2.73%
- Eternal Limited2.51%
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
| UTI Balanced Advantage | UTI - Unit Linked Insurance Plan | |
|---|---|---|
| Banks | 23.06% | 6.50% |
| Sovereign | 4.93% | 18.19% |
| CRISIL AAA | 11.12% | 10.32% |
| Retailing | 3.24% | 6.72% |
| SOV | 0.00% | 6.32% |
| CRISIL A1+ | 5.48% | 6.00% |
| IT - Software | 5.68% | 4.02% |
| Automobiles | 4.75% | 2.84% |
| Petroleum Products | 4.29% | 0.00% |
| Consumer Durables | 3.30% | 4.27% |
| CRISIL-AAA | 1.73% | 4.01% |
| Telecom - Services | 3.50% | 1.46% |
| Pharmaceuticals & Biotechnology | 2.61% | 3.36% |
| Finance | 2.29% | 2.62% |
Questions people ask
What is the difference between UTI Balanced Advantage and UTI - Unit Linked Insurance Plan returns?
As of 6 Nov 2026, Direct plan Growth option: 1-year return +2.13% vs +3.02%; 3-year CAGR +10.14% vs +8.62%; 5-year CAGR — vs +6.26%; 10-year CAGR — vs +8.03%. Past returns do not indicate future returns.
How do UTI Balanced Advantage and UTI - Unit Linked Insurance Plan compare on risk?
Volatility (36 monthly returns, annualised) 9.21% vs 7.03%; Sharpe ratio 0.40 vs 0.30; Sortino ratio 0.55 vs 0.43; maximum drawdown −10.47% vs −17.85%; beta 0.59 vs 0.44.
How much do UTI Balanced Advantage and UTI - Unit Linked Insurance Plan overlap?
By weight, 22.8% of the two portfolios is invested in the same companies; 23 stocks are held by both, the largest shared positions being ICICI Bank Limited, Eternal Limited, Bajaj Finance Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of UTI Balanced Advantage and UTI - Unit Linked Insurance Plan?
UTI Balanced Advantage: large cap 57.3%, mid cap 7.3%, small cap 3.1%. 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.