Aditya Birla Sun Life Long Term Fund vs UTI Dynamic Term Fund
Direct Plan, Growth option · Data as on 30-10-2026
Aditya Birla Sun Life Long Term Fund is a Long Duration fund and UTI Dynamic Term Fund is a Dynamic Bond fund. In the 3 years to 30-10-2026, Aditya Birla Sun Life Long Term Fund (Direct) returned 6.4% a year and UTI Dynamic Term Fund (Direct) returned 7.2% a year. Aditya Birla Sun Life Long Term Fund charges 0.43% a year and UTI Dynamic Term Fund 0.56% (Direct plans). Their portfolios overlap 15.2%: they hold 3 of the same securities.
Aditya Birla Sun Life Long Term Fund
Long Duration
- 3 year return
- 6.4%
- Expense ratio
- 0.43%
- NAV
- ₹13.20
UTI Dynamic Term Fund
Dynamic Bond
- 3 year return
- 7.2%
- Expense ratio
- 0.56%
- NAV
- ₹35.40
Which is better, Aditya Birla Sun Life Long Term or UTI Dynamic Term? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- UTI Dynamic Term returned more over 3 years: 7.2% a year against 6.4%.
- UTI Dynamic Term returned more over 1 year: 3.8% against 1.0%.
- Aditya Birla Sun Life Long Term costs less: 0.43% a year against 0.56% (Direct plans).
- UTI Dynamic Term swung less over 3 years: a standard deviation of 1.8% a year against 3.0%.
- UTI Dynamic Term fell less in its worst fall since 10-08-2022: −1.6% against −3.3%.
- UTI Dynamic Term is the larger fund: ₹396 Cr against ₹89 Cr.
- Their portfolios overlap 15.2%: 3 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 Long Term Fund | UTI Dynamic Term Fund |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | UTI Mutual Fund |
| Category | Long Duration | Dynamic Bond |
| AUM | ₹89 Cr (30-09-2026) | ₹396 Cr (30-09-2026) |
| NAV | ₹13.20 (Direct) | ₹35.40 (Direct) |
| Expense ratio (Direct) | 0.43% | 0.56% |
| Expense ratio (Regular) | 0.98% | 1.28% |
| Riskometer | Moderate | Moderate |
| Benchmark | NIFTY Long Duration Debt Index A-III | CRISIL Dynamic Bond A-III Index |
| Launch date | 08-08-2022 | 16-06-2010 |
| Minimum investment | Minimum of 100/- | Regular Plan-Half-yearly Reinvestment of IDCW- Rs.20000, Regular Plan-Half-yearly Payout of IDCW- Rs.20000, Regular Plan-Growth- Rs.500, Regular Plan-Flexi Reinvestment of IDCW- Rs.20000, Regular Plan-Flexi Payout of IDCW- Rs.20000, Regular Plan-Quarterly |
| Lock in | None | None |
| Fund managers | Harshil Suvarnkar, Bhupesh Bameta | Pankaj Pathak FM 1, Not Applicable FM 2, Not Applicable FM 3, Not Applicable FM 4 |
| Exit load | NIL | Nil |
Aditya Birla Sun Life Long Term vs UTI Dynamic Term: 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 Long Term Fund (Direct) | −0.99% | −1.72% | +1.39% | +1.01% | +6.37% | -- | -- |
| UTI Dynamic Term Fund (Direct) | −0.58% | −0.36% | +1.54% | +3.81% | +7.15% | +7.47% | +6.62% |
| Long Duration average | −1.14% | −2.16% | +0.90% | +0.63% | +5.83% | -- | -- |
| Dynamic Bond average | −0.48% | −0.66% | +1.80% | +3.05% | +6.70% | +5.98% | +6.68% |
Category average: the average of the 11 Long Duration funds and the 22 Dynamic Bond funds, same plan type.
Aditya Birla Sun Life Long Term vs UTI Dynamic Term: Year-wise Returns
| Year | Aditya Birla Sun Life LongAditya Birla Sun Life Long Term | UTI DynamicUTI Dynamic Term |
|---|---|---|
| 2026to date | +0.77% | +3.02% |
| 2025 | +5.09% | +6.92% |
| 2024 | +11.23% | +9.59% |
| 2023 | +7.98% | +7.04% |
| 2022 | -- | +10.78% |
| 2021 | -- | +11.38% |
Aditya Birla Sun Life Long Term vs UTI Dynamic Term: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 295 of them, one for each trading day from 11-08-2025 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 Long Term Fund (Direct)
UTI Dynamic Term Fund (Direct)
to
Sept 2025Nov 2022
to
Nov 2025Feb 2023
to
Feb 2026Apr 2023
to
Apr 2026Jul 2023
to
Jul 2026Sept 2023
to
Sept 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Long Term | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.4% | 7.4% | 5.8% | 9.2% |
| UTI Dynamic Term | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.6% | 7.6% | 7.1% | 8.1% |
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. Every fund is measured over the days all of them have, from 10-08-2022. Past returns do not promise future returns.
Aditya Birla Sun Life Long Term vs UTI Dynamic Term: 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 10-08-2022 to 30-10-2026: 51 instalments, ₹5,10,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Aditya Birla Sun Life Long TermAditya Birla Sun Life Long Term Fund (Direct) | ₹5,10,000 | ₹5,67,912 | ₹57,912 | 5.0% |
| UTI Dynamic TermUTI Dynamic Term Fund (Direct) | ₹5,10,000 | ₹5,82,337 | ₹72,337 | 6.2% |
Aditya Birla Sun Life Long TermAditya Birla Sun Life Long Term Fund (Direct)
UTI Dynamic TermUTI Dynamic Term 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 Long Term vs UTI Dynamic Term: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Aditya Birla Sun Life Long Term Fund (Direct) | UTI Dynamic Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +1.01% | +3.81% |
| Standard deviation | 3.47% | 1.53% |
| Sharpe ratio | -1.22 | -0.94 |
| Sortino ratio | -1.63 | -1.23 |
| Maximum drawdown | −3.3% (23-10-2026) | −1.4% (23-10-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
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 Long Term Fund (Direct) | UTI Dynamic Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.37% | +7.15% |
| Standard deviation | 3.02% | 1.76% |
| Sharpe ratio | 0.11 | 0.64 |
| Sortino ratio | 0.16 | 0.92 |
| Maximum drawdown | −3.3% (26-08-2025) | −1.6% (26-08-2025) |
| Beta | -- | -- |
| Alpha | -- | -- |
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 Long Term Fund (Direct) | UTI Dynamic Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.75% | +7.80% |
| Standard deviation | 3.04% | 3.93% |
| Sharpe ratio | 0.20 | 0.45 |
| Sortino ratio | 0.28 | 0.75 |
| Maximum drawdown | −3.3% (26-08-2025) | −8.1% (10-06-2019) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 10-08-2022 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 Long Term Fund (Direct)
UTI Dynamic Term Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Long Term Fund (Direct) | −3.3% | 28-05-2025 | 26-08-2025 | 18-06-2026 | 10 months | −3.0% |
| UTI Dynamic Term Fund (Direct) | −1.6% | 21-07-2025 | 26-08-2025 | 07-10-2025 | 42 days | −1.1% |
From daily values since 10-08-2022, 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 Long Term Fund (Direct)
UTI Dynamic Term Fund (Direct)
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 Long Term Fund (Direct)
UTI Dynamic Term Fund (Direct)
Aditya Birla Sun Life Long Term vs UTI Dynamic Term: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Long Term Fund, September 2026; UTI Dynamic Term Fund, September 2026
Holdings in common
- Overlap
- 15.2%
- Held by both
- 3
- Only in Aditya Birla Sun Life Long Term
- 21
- Only in UTI Dynamic Term
- 13
| Security | % of Aditya Birla Sun Life Long Term | % of UTI Dynamic Term |
|---|---|---|
| Government of India (18/05/2066) | 11.22% | 12.62% |
| Government of India (18/08/2055) | 10.65% | 3.59% |
| Corporate Debt Mkt Devp. Fund-A2 | 0.54% | 0.38% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 15.2% means 15.2% 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 Long Term Fund
| Security | % of fund |
|---|---|
| Government of India (06/11/2073) | 16.28% |
| 6.99% National Highways Authority of India (28/05/2035) | 10.65% |
| 7.75% Indian Railway Finance Corporation Ltd. (15/04/2033) | 4.48% |
| 7.39% Indian Railway Finance Corporation Ltd. (15/07/2034) | 4.38% |
| Government of India (23/05/2036) | 2.87% |
Largest holdings only in UTI Dynamic Term Fund
| Security | % of fund |
|---|---|
| 6.90% GSEC MAT - 15/04/2065 | 28.31% |
| NCD BHARTI TELECOM LTD. | 6.33% |
| NCD MAHINDRA RURAL HOUSING FINANCE LTD | 6.32% |
| NCD JAMNAGAR UTILITIES AND POWER PRIVATE LIMITED | 6.31% |
| NCD CANFIN HOMES LTD. | 5.06% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Aditya Birla Sun Life Long Term | UTI Dynamic Term |
|---|---|---|
| Equity | 0.0% | 0.0% |
| Debt | 69.5% | 90.9% |
| Cash and others | 30.5% | 9.1% |
Aditya Birla Sun Life Long Term vs UTI Dynamic Term: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life Long Term Fund | UTI Dynamic Term Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.43% | 0.56% |
| Base expense ratio (Direct) | 0.36% | 0.47% |
| Total expense ratio (Regular) | 0.98% | 1.28% |
| Base expense ratio (Regular) | 0.84% | 1.10% |
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 Long Term with
Aditya Birla Sun Life Long Term Fund vs UTI Dynamic Term Fund: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Long Term Fund and UTI Dynamic Term Fund?
Aditya Birla Sun Life Long Term Fund is a Long Duration fund, UTI Dynamic Term Fund is a Dynamic Bond fund, run by Aditya Birla Sun Life Mutual Fund and UTI Mutual Fund. Their portfolios overlap 15.2%. Aditya Birla Sun Life Long Term Fund charges 0.43% a year and UTI Dynamic Term Fund 0.56%.
Which has given higher returns, Aditya Birla Sun Life Long Term Fund or UTI Dynamic Term Fund?
Over 1 year: Aditya Birla Sun Life Long Term Fund +1.01%, UTI Dynamic Term Fund +3.81%. Over 3 years: Aditya Birla Sun Life Long Term Fund +6.37% a year, UTI Dynamic Term Fund +7.15% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Aditya Birla Sun Life Long Term Fund or UTI Dynamic Term Fund?
Aditya Birla Sun Life Long Term Fund charges less: 0.43% a year against 0.56%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Aditya Birla Sun Life Long Term Fund and UTI Dynamic Term Fund overlap?
15.2%. They hold 3 of the same securities, the largest shared ones being Government of India (18/05/2066), Government of India (18/08/2055), Corporate Debt Mkt Devp. Fund-A2. From each fund's latest monthly portfolio.
Which is riskier, Aditya Birla Sun Life Long Term Fund or UTI Dynamic Term Fund?
On SEBI's riskometer, Aditya Birla Sun Life Long Term Fund is rated Moderate and UTI Dynamic Term Fund Moderate. Over 3 years, the standard deviation of daily returns was 3.02% and 1.76% a year.
Which is better for SIP, Aditya Birla Sun Life Long Term Fund or UTI Dynamic Term Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹3,92,435 in Aditya Birla Sun Life Long Term Fund (XIRR 3.8% a year) and ₹4,03,437 in UTI Dynamic Term Fund (XIRR 5.6% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both Aditya Birla Sun Life Long Term Fund and UTI Dynamic Term Fund?
Yes. 15.2% 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 Long Term Fund and UTI Dynamic Term Fund?
Aditya Birla Sun Life Long Term Fund: Harshil Suvarnkar, Bhupesh Bameta. UTI Dynamic Term Fund: Pankaj Pathak FM 1, Not Applicable FM 2, Not Applicable FM 3, Not Applicable FM 4.
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.