Aditya Birla Sun Life Flexi Cap Fund vs UTI - Flexi Cap Fund.
Direct Plan, Growth option · Data as on 30-10-2026
Aditya Birla Sun Life Flexi Cap Fund and UTI - Flexi Cap Fund. are both Flexi Cap funds. In the 3 years to 30-10-2026, Aditya Birla Sun Life Flexi Cap Fund (Direct) returned 15.2% a year and UTI - Flexi Cap Fund. (Direct) returned 8.5% a year. Aditya Birla Sun Life Flexi Cap Fund charges 0.91% a year and UTI - Flexi Cap Fund. 1.17% (Direct plans). Their portfolios overlap 29.9%: they hold 20 of the same securities.
Aditya Birla Sun Life Flexi Cap Fund
Flexi Cap
- 3 year return
- 15.2%
- Expense ratio
- 0.91%
- NAV
- ₹2,119.11
UTI - Flexi Cap Fund.
Flexi Cap
- 3 year return
- 8.5%
- Expense ratio
- 1.17%
- NAV
- ₹336.25
Which is better, Aditya Birla Sun Life Flexi Cap or UTI - Flexi Cap Fund.? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Aditya Birla Sun Life Flexi Cap returned more over 5 years: 10.8% a year against 3.9%.
- Aditya Birla Sun Life Flexi Cap returned more over 3 years: 15.2% a year against 8.5%.
- Aditya Birla Sun Life Flexi Cap costs less: 0.91% a year against 1.17% (Direct plans).
- UTI - Flexi Cap Fund. swung less over 3 years: a standard deviation of 12.9% a year against 13.3%.
- UTI - Flexi Cap Fund. fell less in its worst fall since 02-01-2013: −33.9% against −38.6%.
- Aditya Birla Sun Life Flexi Cap is the larger fund: ₹27,982 Cr against ₹22,495 Cr.
- Their portfolios overlap 29.9%: 20 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Aditya Birla Sun Life Flexi Cap Fund | UTI - Flexi Cap Fund. |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | UTI Mutual Fund |
| Category | Flexi Cap | Flexi Cap |
| AUM | ₹27,982 Cr (30-09-2026) | ₹22,495 Cr (30-09-2026) |
| NAV | ₹2,119.11 (Direct) | ₹336.25 (Direct) |
| Expense ratio (Direct) | 0.91% | 1.17% |
| Expense ratio (Regular) | 1.68% | 1.69% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty 500 TRI | Nifty 500 TRI |
| Launch date | 27-08-1998 | 01-08-1992 |
| Minimum investment | ₹100 | Regular Plan-Growth- Rs.5000, Regular Plan-Reinvestment of IDCW- Rs.5000, Regular Plan-Payout of IDCW- Rs.5000, Direct Plan-Growth- Rs.5000, Direct Plan-Reinvestment of IDCW- Rs.5000, Direct Plan-Payout of IDCW- Rs.5000, |
| Lock in | None | None |
| Fund managers | Harish Krishnan, Dhaval Joshi | Ajay Tyagi FM 1, Kamal Gada FM 2, Akash Shah FM 3, Not Applicable FM 4, Not Applicable FM 5 |
| Exit load | Exit load of 1%, if redeemed within 90 days. | Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 1 year. |
Aditya Birla Sun Life Flexi Cap vs UTI - Flexi Cap Fund.: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Flexi Cap Fund (Direct) | −0.04% | −3.36% | +3.32% | +1.05% | +15.16% | +10.79% | +13.19% |
| UTI - Flexi Cap Fund. (Direct) | +0.06% | −4.46% | +6.64% | −5.64% | +8.51% | +3.93% | +11.68% |
| Flexi Cap average | −1.62% | −4.17% | +1.00% | −3.58% | +12.37% | +10.04% | +13.13% |
Category average: the average of the 46 Flexi Cap funds, same plan type.
Aditya Birla Sun Life Flexi Cap vs UTI - Flexi Cap Fund.: Year-wise Returns
| Year | Aditya Birla Sun Life Flexi CapAditya Birla Sun Life Flexi Cap | UTI - Flexi Cap Fund.UTI - Flexi Cap Fund. | Nifty 500 TRI |
|---|---|---|---|
| 2026to date | −0.21% | −2.66% | −7.51% |
| 2025 | +12.09% | +1.71% | +7.76% |
| 2024 | +19.49% | +15.12% | +16.24% |
| 2023 | +26.99% | +20.73% | +26.91% |
| 2022 | −0.27% | −12.68% | +4.25% |
| 2021 | +31.38% | +35.00% | +31.60% |
Aditya Birla Sun Life Flexi Cap vs UTI - Flexi Cap Fund.: Rolling Returns
Every holding period of both funds, against Nifty 500 TRI, the benchmark of both
Rolling returns
Every 3-year holding period, 2,667 of them, one for each trading day from 04-01-2016 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Aditya Birla Sun Life Flexi Cap Fund (Direct)
UTI - Flexi Cap Fund. (Direct)
Nifty 500 TRI
to
Nov 2016Sept 2015
to
Sept 2018Jul 2017
to
Jul 2020May 2019
to
May 2022Mar 2021
to
Mar 2024Dec 2022
to
Dec 2025
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Flexi Cap | 2.2 | 4.1 | 5.2 | 21.1 | 45.6 | 12.0 | 9.7 | 16.6% | 17.1% | −6.6% | 34.9% | 56% |
| UTI - Flexi Cap Fund. | 0.1 | 2.7 | 25.2 | 33.5 | 24.5 | 10.1 | 3.8 | 13.9% | 13.2% | −1.4% | 30.0% | 44% |
| Nifty 500 TRI | 1.9 | 4.3 | 7.8 | 37.0 | 34.8 | 11.3 | 2.9 | 14.7% | 14.9% | −6.3% | 33.5% | -- |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. The benchmark is Nifty 500 TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. Every fund is measured over the days all of them have, from 02-01-2013. Past returns do not promise future returns.
Aditya Birla Sun Life Flexi Cap vs UTI - Flexi Cap Fund.: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 02-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Aditya Birla Sun Life Flexi CapAditya Birla Sun Life Flexi Cap Fund (Direct) | ₹16,60,000 | ₹50,73,186 | ₹34,13,186 | 14.9% |
| UTI - Flexi Cap Fund.UTI - Flexi Cap Fund. (Direct) | ₹16,60,000 | ₹39,57,833 | ₹22,97,833 | 11.7% |
Aditya Birla Sun Life Flexi CapAditya Birla Sun Life Flexi Cap Fund (Direct)
UTI - Flexi Cap Fund.UTI - Flexi Cap Fund. (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Aditya Birla Sun Life Flexi Cap vs UTI - Flexi Cap Fund.: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Aditya Birla Sun Life Flexi Cap Fund (Direct) | UTI - Flexi Cap Fund. (Direct) |
|---|---|---|
| Return (CAGR) | +1.05% | −5.64% |
| Standard deviation | 13.48% | 14.17% |
| Sharpe ratio | -0.31 | -0.77 |
| Sortino ratio | -0.42 | -1.05 |
| Maximum drawdown | −12.8% (31-03-2026) | −18.9% (23-03-2026) |
| Beta | 0.92 | 0.93 |
| Alpha | +7.39% | +0.85% |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Flexi Cap Fund (Direct) | UTI - Flexi Cap Fund. (Direct) |
|---|---|---|
| Return (CAGR) | +15.16% | +8.51% |
| Standard deviation | 13.27% | 12.92% |
| Sharpe ratio | 0.69 | 0.19 |
| Sortino ratio | 0.96 | 0.27 |
| Maximum drawdown | −17.0% (03-03-2025) | −20.1% (23-03-2026) |
| Beta | 0.91 | 0.83 |
| Alpha | +5.30% | −0.99% |
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Flexi Cap Fund (Direct) | UTI - Flexi Cap Fund. (Direct) |
|---|---|---|
| Return (CAGR) | +10.79% | +3.93% |
| Standard deviation | 13.66% | 13.42% |
| Sharpe ratio | 0.37 | -0.14 |
| Sortino ratio | 0.50 | -0.19 |
| Maximum drawdown | −19.5% (20-06-2022) | −25.6% (17-06-2022) |
| Beta | 0.93 | 0.87 |
| Alpha | +2.18% | −4.47% |
From daily NAVs, 29-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Flexi Cap Fund (Direct) | UTI - Flexi Cap Fund. (Direct) |
|---|---|---|
| Return (CAGR) | +15.75% | +12.83% |
| Standard deviation | 15.82% | 14.69% |
| Sharpe ratio | 0.61 | 0.46 |
| Sortino ratio | 0.83 | 0.63 |
| Maximum drawdown | −38.6% (23-03-2020) | −33.9% (23-03-2020) |
| Beta | 0.97 | 0.88 |
| Alpha | +3.12% | +0.83% |
From daily NAVs, 02-01-2013 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Aditya Birla Sun Life Flexi Cap Fund (Direct)
UTI - Flexi Cap Fund. (Direct)
Nifty 500 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Flexi Cap Fund (Direct) | −38.6% | 13-02-2020 | 23-03-2020 | 11-11-2020 | 8 months | −5.5% |
| UTI - Flexi Cap Fund. (Direct) | −33.9% | 12-02-2020 | 23-03-2020 | 08-10-2020 | 7 months | −7.0% |
| Nifty 500 TRI | −38.1% | 17-01-2020 | 23-03-2020 | 06-11-2020 | 7 months | −8.8% |
From daily values since 02-01-2013, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Flexi Cap Fund (Direct)
UTI - Flexi Cap Fund. (Direct)
Nifty 500 TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Flexi Cap Fund (Direct)
UTI - Flexi Cap Fund. (Direct)
Nifty 500 TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 5-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Flexi Cap Fund (Direct)
UTI - Flexi Cap Fund. (Direct)
Nifty 500 TRI
Against Nifty 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Aditya Birla Sun Life Flexi Cap Fund (Direct) | 105% | 92% | 4.05% |
| UTI - Flexi Cap Fund. (Direct) | 94% | 89% | 5.25% |
From month-end values since 02-01-2013. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
Aditya Birla Sun Life Flexi Cap vs UTI - Flexi Cap Fund.: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Flexi Cap Fund, September 2026; UTI - Flexi Cap Fund., September 2026
Holdings in common
- Overlap
- 29.9%
- Held by both
- 20
- Only in Aditya Birla Sun Life Flexi Cap
- 60
- Only in UTI - Flexi Cap Fund.
- 34
| Security | % of Aditya Birla Sun Life Flexi Cap | % of UTI - Flexi Cap Fund. |
|---|---|---|
| ICICI Bank Ltd. | 5.60% | 5.81% |
| HDFC Bank Ltd. | 3.91% | 4.61% |
| Kotak Mahindra Bank Ltd. | 3.55% | 3.41% |
| Trent Ltd. | 1.73% | 2.10% |
| Bharti Airtel Ltd. | 1.70% | 3.37% |
| Dr. Lal Path labs Ltd. | 1.67% | 2.22% |
| Persistent Systems Ltd. | 1.58% | 3.44% |
| Mahindra & Mahindra Ltd. | 1.41% | 2.44% |
| Eternal Ltd. | 1.27% | 6.56% |
| CG Power and Industrial Solutions Ltd. | 1.51% | 1.19% |
| AU Small Finance Bank Ltd. | 0.99% | 1.03% |
| Maruti Suzuki India Ltd. | 0.90% | 2.06% |
| Meesho Ltd. | 1.44% | 0.76% |
| Astral Ltd. | 0.75% | 1.53% |
| Lenskart Solutions Ltd. | 1.90% | 0.72% |
| Cholamandalam Investment & Finance Co. Ltd. | 0.61% | 1.45% |
| Asian Paints Ltd. | 0.86% | 0.52% |
| Ajanta Pharma Ltd. | 0.51% | 2.12% |
| Anthem Biosciences Ltd. | 0.75% | 0.41% |
| PI Industries Ltd. | 0.32% | 0.76% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 29.9% means 29.9% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Aditya Birla Sun Life Flexi Cap Fund
| Security | % of fund |
|---|---|
| Reliance Industries Ltd. | 2.42% |
| State Bank of India | 2.09% |
| Infosys Ltd. | 2.01% |
| Sona Blw Precision Forgings Ltd. | 1.99% |
| Bharat Forge Ltd. | 1.93% |
Largest holdings only in UTI - Flexi Cap Fund.
| Security | % of fund |
|---|---|
| EQ - BAJAJ FINANCE LTD. | 5.53% |
| EQ - TITAN COMPANY LTD. | 3.94% |
| EQ - COFORGE LTD | 3.77% |
| EQ - DIXON TECHNOLOGIES (INDIA) LTD | 3.61% |
| EQ - INFO-EDGE (INDIA) LTD. | 3.59% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Aditya Birla Sun Life Flexi Cap | UTI - Flexi Cap Fund. |
|---|---|---|
| Equity | 97.9% | 97.0% |
| Debt | 0.0% | 0.2% |
| Cash and others | 2.1% | 2.7% |
Market cap of stocks
| Market cap | Aditya Birla Sun Life Flexi Cap | UTI - Flexi Cap Fund. |
|---|---|---|
| Large Cap | 53.5% | 58.4% |
| Mid Cap | 26.8% | 26.3% |
| Small Cap | 16.7% | 12.4% |
| Not on AMFI's list | 0.9% | 0.0% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Aditya Birla Sun Life Flexi Cap | UTI - Flexi Cap Fund. |
|---|---|---|
| Banks | 19.2% | 14.9% |
| Retailing | 6.8% | 16.6% |
| Consumer Durables | 2.3% | 10.4% |
| IT - Software | 6.9% | 9.3% |
| Pharmaceuticals & Biotechnology | 4.7% | 8.4% |
| Finance | 5.8% | 7.7% |
| Automobiles | 5.1% | 7.5% |
| Industrial Products | 5.6% | 4.5% |
The six largest sectors of each fund's stocks, % of the fund.
Aditya Birla Sun Life Flexi Cap vs UTI - Flexi Cap Fund.: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life Flexi Cap Fund | UTI - Flexi Cap Fund. |
|---|---|---|
| Total expense ratio (Direct) | 0.91% | 1.17% |
| Base expense ratio (Direct) | 0.70% | 0.94% |
| Total expense ratio (Regular) | 1.68% | 1.69% |
| Base expense ratio (Regular) | 1.36% | 1.40% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Compare Aditya Birla Sun Life Flexi Cap with
Aditya Birla Sun Life Flexi Cap Fund vs UTI - Flexi Cap Fund.: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Flexi Cap Fund and UTI - Flexi Cap Fund.?
Both are Flexi Cap funds, run by Aditya Birla Sun Life Mutual Fund and UTI Mutual Fund. Their portfolios overlap 29.9%. Aditya Birla Sun Life Flexi Cap Fund charges 0.91% a year and UTI - Flexi Cap Fund. 1.17%.
Which has given higher returns, Aditya Birla Sun Life Flexi Cap Fund or UTI - Flexi Cap Fund.?
Over 1 year: Aditya Birla Sun Life Flexi Cap Fund +1.05%, UTI - Flexi Cap Fund. −5.64%. Over 3 years: Aditya Birla Sun Life Flexi Cap Fund +15.16% a year, UTI - Flexi Cap Fund. +8.51% a year. Over 5 years: Aditya Birla Sun Life Flexi Cap Fund +10.79% a year, UTI - Flexi Cap Fund. +3.93% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Aditya Birla Sun Life Flexi Cap Fund or UTI - Flexi Cap Fund.?
Aditya Birla Sun Life Flexi Cap Fund charges less: 0.91% a year against 1.17%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Aditya Birla Sun Life Flexi Cap Fund and UTI - Flexi Cap Fund. overlap?
29.9%. They hold 20 of the same securities, the largest shared ones being ICICIBANK, HDFCBANK, KOTAKBANK. From each fund's latest monthly portfolio.
Which is riskier, Aditya Birla Sun Life Flexi Cap Fund or UTI - Flexi Cap Fund.?
On SEBI's riskometer, Aditya Birla Sun Life Flexi Cap Fund is rated Very High and UTI - Flexi Cap Fund. Very High. Over 3 years, the standard deviation of daily returns was 13.27% and 12.92% a year.
Which is better for SIP, Aditya Birla Sun Life Flexi Cap Fund or UTI - Flexi Cap Fund.?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹8,29,752 in Aditya Birla Sun Life Flexi Cap Fund (XIRR 12.1% a year) and ₹7,04,539 in UTI - Flexi Cap Fund. (XIRR 5.6% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both Aditya Birla Sun Life Flexi Cap Fund and UTI - Flexi Cap Fund.?
Yes. 29.9% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Aditya Birla Sun Life Flexi Cap Fund and UTI - Flexi Cap Fund.?
Aditya Birla Sun Life Flexi Cap Fund: Harish Krishnan, Dhaval Joshi. UTI - Flexi Cap Fund.: Ajay Tyagi FM 1, Kamal Gada FM 2, Akash Shah FM 3, Not Applicable FM 4, Not Applicable FM 5.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.