UTI Balanced Advantage Fund
UTI Mutual Fund · Balanced Advantage · Regular plan, growth option
NAV (₹), 1 Oct 2026
12.0598
1-day change
-0.53%
1Y return
-4.5%
3Y CAGR
6.0%
5Y CAGR
n/a
Max drawdown, 5Y
n/a
NAV history month-end NAV, ₹ · 17 Aug 2023 to 1 Oct 2026
Returns vs Balanced Advantage median (37 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -4.4% | -3.9% |
| 3 months | -2.7% | -2.7% |
| 6 months | 1.8% | 4.0% |
| Year to date | -7.7% | -3.2% |
| 1 year | -4.5% | -0.8% |
| 3 years (CAGR) | 6.0% | 7.5% |
| 5 years (CAGR) | n/a | 7.1% |
| 7 years (CAGR) | n/a | 9.3% |
| 10 years (CAGR) | n/a | 8.3% |
| Since first NAV (CAGR) | 6.4% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.6% | 7.5% |
| 3Y rolling median | 7.0% | 11.0% |
| 3Y rolling worst | 6.0% | 5.1% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | n/a | 10.5% |
| 5Y rolling worst | n/a | 2.7% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 8.9% | 9.2% |
| Sharpe ratio | 0.00 | 0.17 |
| Sortino ratio | 0.00 | 0.25 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −10.8% | −16.4% |
| Maximum drawdown, last 10Y | n/a | −26.0% |
| Maximum drawdown, last 5Y | n/a | −10.3% |
| Current drawdown | −8.1% | −5.5% |
| Recovery time of worst fall | n/a | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Market context from Integrato Market Intelligence
This scheme hold only part of their money in each of these markets; the mix is set by the scheme and changes over time.
22,421.95 −0.88%
NSE close, 1 Oct 2026
- P/E 19.2: higher than 0% of days since 2023 (median 22.1)
- 1Y −9.0% · 3Y +5.4% p.a. · 5Y +5.9% p.a. (index fund NAV, after costs)
- −14.8% from its 52-week high
6.78%
1 Jul 2026 · +0.43 pp in a year · 5Y average 6.90%
Index levels and P/E: NSE daily index closing values; gold and silver: IBJA rates; returns: growth NAV of an index fund or ETF tracking the market (AMFI), so they are after that fund's costs. Context only: a market's level or valuation does not tell you how any scheme will perform. Explore all markets.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 2.01% a year and the Direct plan's 0.91%, a gap of 1.10%; over the last 3 years the Direct plan returned 1.45 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹25,32,980.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 11 Sep 2026: TER increased from 2.00% to 2.01% (AMFI TER disclosure)
- 10 Sep 2026: TER reduced from 2.01% to 2.00% (AMFI TER disclosure)
- 9 Sep 2026: TER increased from 2.00% to 2.01% (AMFI TER disclosure)
- 4 Sep 2026: TER increased from 1.99% to 2.00% (AMFI TER disclosure)
- 3 Sep 2026: TER increased from 1.97% to 1.99% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| quot | 10 Aug 2023 | |
| Equity | 10 Aug 2023 | |
| Sachin Trivedi | 10 Aug 2023 | |
| Debt | 10 Aug 2023 | |
| Anurag Mittal | 10 Aug 2023 | |
| quot | 10 Aug 2023 |
Objective: The scheme intends to provide long-term capital appreciation and income by investing in a dynamically managed portfolio of equity and debt instruments. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.
Stated asset allocation: Equity & equity related instruments 30% - 90% Debt and Money Market instruments (including securitised debt)* 10% - 70% *The scheme may invest up to 50% of its debt portfolio in securitized debt.
Benchmark (tier 1): Nifty 50 Hybrid Composite Debt 50:50 Index
Exit load: (A) Redemption / Switch out within 90 days from the date of allotment – 1.00% (B) Redemption / Switch out after 90 days from the date of allotment – NIL Any redemption/ switch out of units would be done on a First in First Out (FIFO) basis. The above exit load is applicable for all redemptions/switch-out transactions including Systematic Investment Plan (SIP), Systematic Withdrawal Plan (SWP), Systematic Transfer Plan (STP) and Flexi Systematic Transfer Plan (Flexi STP) etc.
Minimum application: ₹5,000
Allotment date: 10 Aug 2023
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 2.01% | 2.31% |
| AUM, whole scheme (₹ crore) | 2,856 | 2,109 |
| Riskometer | Very High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | -3.6% | -2.7% TRI |
| Return, 3 years (AMFI) | 6.2% | 6.0% TRI |
Official benchmark: NIFTY 50 Hybrid Composite Debt 50:50 Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Balanced Advantage Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -7.7% | n/a | – |
| 2025 | 8.8% | n/a | – |
| 2024 | 10.9% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,14,987 | -7.6% |
| 3 years | ₹3,60,000 | ₹3,64,739 | 0.9% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: UTI Mutual Fund
Category: Balanced Advantage
Plan / option: Regular · Growth
AMFI scheme code: 151882
ISIN: INF789F1AYT7
First NAV in MFIC data: 17 Aug 2023
History: 3.1 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| UTI - Equity Savings Fund | Equity Savings | 0.98 | 6.6% |
| Aditya Birla Sun Life Aggressive Hybrid Fund | Aggressive Hybrid | 0.97 | 8.0% |
| Bajaj Finserv Balanced Advantage Fund | Balanced Advantage | 0.97 | n/a |
| Nippon India Balanced Advantage Fund | Balanced Advantage | 0.97 | 8.4% |
| Aditya Birla Sun Life Balanced Advantage Fund | Balanced Advantage | 0.97 | 9.6% |
| Canara Robeco Balanced Advantage Fund | Balanced Advantage | 0.97 | n/a |
Questions about UTI Balanced Advantage Fund
- What is the latest NAV of UTI Balanced Advantage Fund?
- The NAV of the Regular plan (growth option) was ₹12.0598 on 1 Oct 2026, as published by AMFI.
- Which category is UTI Balanced Advantage Fund in?
- It is classified as Balanced Advantage in AMFI's daily NAV file; a Balanced Advantage scheme changes its equity and debt mix dynamically. MFIC compares it with 37 Balanced Advantage schemes (Regular plans).
- What returns has UTI Balanced Advantage Fund delivered?
- Over one year the NAV changed by -4.5%. The 3-year CAGR is 6.0% (category median 7.5%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 7.0%, the lowest was 6.0%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in UTI Balanced Advantage Fund's NAV?
- The largest peak-to-trough fall in its available history was 10.8%.
- How volatile is UTI Balanced Advantage Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 8.9%, which is below the Balanced Advantage category median of 9.2%.
- What would a monthly SIP in UTI Balanced Advantage Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 3 years (36 instalments, ₹3,60,000 invested) would have been worth about ₹3,64,739 on 1 Oct 2026, an annualised return (XIRR) of 0.9%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of UTI Balanced Advantage Fund?
- The total expense ratio of the Regular plan is 2.01% a year, as disclosed to AMFI (median of Balanced Advantage Regular plans: 2.31%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is UTI Balanced Advantage Fund?
- Assets under management of the whole scheme were ₹2,856 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of UTI Balanced Advantage Fund?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of UTI Balanced Advantage Fund and how has it compared?
- Its official benchmark is the NIFTY 50 Hybrid Composite Debt 50:50 Index. Over 3 years AMFI reports a return of 6.2% for this plan against 6.0% for the benchmark total return index. Past performance does not indicate future results.
- Who manages UTI Balanced Advantage Fund?
- According to its Scheme Summary Document, UTI Balanced Advantage Fund is managed by quot (since 10 Aug 2023), Equity (since 10 Aug 2023), Sachin Trivedi (since 10 Aug 2023), Debt (since 10 Aug 2023), Anurag Mittal (since 10 Aug 2023), quot (since 10 Aug 2023).
- What is the exit load of UTI Balanced Advantage Fund?
- As stated in its scheme documents: (A) Redemption / Switch out within 90 days from the date of allotment – 1.00% (B) Redemption / Switch out after 90 days from the date of allotment – NIL Any redemption/ switch out of units would be done on a First in First Out (FIFO) basis. The above exit load is applicable for all redemptions/switch-out transactions including Systematic Investment Plan (SIP), Systematic Withdrawal Plan (SWP), Systematic Transfer Plan (STP) and Flexi Systematic Transfer Plan (Flexi STP) etc. Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in UTI Balanced Advantage Fund?
- The minimum application amount is ₹5,000. SIP details: SIP - D-500/W-500/M-500/Q-1500 SWP - M-500/Q-500/H-500/Y-500 STP - D-100/W-1000/M-1000/Q-3000 Flexi STP - D- 100/W-1000/M-1000/Q-3000.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by -3.3% and the Regular plan's by -4.5%. The Regular plan includes the services of a distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.