UTI Balanced Advantage Fund - Regular Plan - Growth Option
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 100% of 3-year investment horizons.
- Strong capital defense: downside capture of 58% limits losses during market corrections.
- Cost-efficient: expense ratio of 1.99% is lower than category median (2.4%).
- Equities carry market risk; returns fluctuate and recommended investment horizon is 5+ years.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +7.64% | +5.51% | +2.13% |
| 3 Months | +2.39% | +1.29% | +1.10% |
| 6 Months | +6.09% | +5.25% | +0.84% |
| 1 Year | +0.95% | +2.38% | -1.43% |
| 3 Years CAGR | +8.80% | +9.06% | -0.26% |
| Since Inception | +8.71% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in UTI Balanced Advantage Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | -0.17% | +1.91% | -2.08% |
| 2025 | +8.76% | +5.68% | +3.08% |
| 2024 | +10.91% | +12.82% | -1.91% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -6.72% | +6.88% | +7.17% | +23.23% | 79.2% | 62.6% |
| 3-Year Rolling | +5.87% | +7.12% | +6.81% | +8.80% | 100.0% | 49.2% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2026-01-02 | 2026-03-30 | -10.8% | 3 months | Not yet recovered |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| 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. | Per Scheme Mandate |
Investment Objective & Strategy
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.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 3,041 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as comfortable relative to Balanced Advantage schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Balanced Advantage Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| HSBC Balanced Advantage Fund | 5.0 | +8.75% | 2.46% | 36.0% | Rs 1,507 cr | Compare → |
| Invesco India Balanced Advantage Fund | 3.5 | +8.89% | 2.40% | 57.0% | Rs 952 cr | Compare → |
| quant Dynamic Asset Allocation Fund | 4.8 | +11.80% | 2.83% | 63.5% | Rs 821 cr | Compare → |
| BANK OF INDIA BALANCED ADVANTAGE FUND | 3.9 | +9.06% | 2.67% | 57.2% | Rs 183 cr | Compare → |
| BANDHAN Balanced Advantage Fund | 4.4 | +9.52% | 2.29% | 43.9% | Rs 2,283 cr | Compare → |
Frequently Asked Questions about UTI Balanced Advantage Fund
What is the expense ratio of UTI Balanced Advantage Fund?
UTI Balanced Advantage Fund has a total expense ratio (TER) of 1.99% with a base expense ratio of 1.67%, compared to the Balanced Advantage category median of 2.40%.
Who manages UTI Balanced Advantage Fund?
UTI Balanced Advantage Fund is managed by Sachin Trivedi.
What are the historical returns of UTI Balanced Advantage Fund?
UTI Balanced Advantage Fund delivered a 3-year CAGR of 8.8%. Its 1-year return stands at +0.95%.
How large is UTI Balanced Advantage Fund?
UTI Balanced Advantage Fund manages assets of Rs 3,041 cr, placing it in the 'comfortable' size band relative to Balanced Advantage peers.
How is UTI Balanced Advantage Fund scored on MFIQ?
UTI Balanced Advantage Fund holds an MFIQ Score of 5.0/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is UTI Balanced Advantage Fund?
UTI Balanced Advantage Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 7.95% with a maximum historical drawdown of -10.75%.