Aditya Birla Sun Life Long Term Fund vs UTI - Gilt 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 - Gilt Fund is a Gilt fund. In the 3 years to 30-10-2026, Aditya Birla Sun Life Long Term Fund (Direct) returned 6.4% a year and UTI - Gilt Fund (Direct) returned 6.3% a year. Aditya Birla Sun Life Long Term Fund charges 0.43% a year and UTI - Gilt Fund 0.47% (Direct plans). Their portfolios overlap 20.4%: they hold 2 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
Which is better, Aditya Birla Sun Life Long Term or UTI - Gilt? 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 Long Term returned more over 3 years: 6.4% a year against 6.3%.
- UTI - Gilt returned more over 1 year: 3.1% against 1.0%.
- Aditya Birla Sun Life Long Term costs less: 0.43% a year against 0.47% (Direct plans).
- UTI - Gilt swung less over 3 years: a standard deviation of 2.6% a year against 3.0%.
- UTI - Gilt fell less in its worst fall since 10-08-2022: −3.2% against −3.3%.
- UTI - Gilt is the larger fund: ₹415 Cr against ₹89 Cr.
- Their portfolios overlap 20.4%: 2 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 - Gilt Fund |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | UTI Mutual Fund |
| Category | Long Duration | Gilt |
| AUM | ₹89 Cr (30-09-2026) | ₹415 Cr (30-09-2026) |
| NAV | ₹13.20 (Direct) | ₹67.32 (Direct) |
| Expense ratio (Direct) | 0.43% | 0.47% |
| Expense ratio (Regular) | 0.98% | 0.85% |
| Riskometer | Moderate | Moderate |
| Benchmark | NIFTY Long Duration Debt Index A-III | CRISIL Dynamic Gilt Index |
| Launch date | 08-08-2022 | 21-01-2002 |
| Minimum investment | Minimum of 100/- | Regular Plan-Growth- Rs.500, Regular Plan-Reinvestment of IDCW- Rs.20000, Regular Plan-Payout of IDCW- Rs.20000, Direct Plan-Growth- Rs.500, Direct Plan-Reinvestment of IDCW- Rs.20000, Direct Plan-Payout of IDCW- Rs.20000, |
| 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 - Gilt: 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 - Gilt Fund (Direct) | −1.12% | −1.53% | +0.15% | +3.11% | +6.31% | +5.41% | +6.72% |
| Long Duration average | −1.14% | −2.16% | +0.90% | +0.63% | +5.83% | -- | -- |
| Gilt average | −0.69% | −1.34% | +1.62% | +2.12% | +6.19% | +5.46% | +6.64% |
Category average: the average of the 11 Long Duration funds and the 28 Gilt funds, same plan type.
Aditya Birla Sun Life Long Term vs UTI - Gilt: Year-wise Returns
| Year | Aditya Birla Sun Life Long TermAditya Birla Sun Life Long Term | UTI - GiltUTI - Gilt |
|---|---|---|
| 2026to date | +0.77% | +2.33% |
| 2025 | +5.09% | +5.35% |
| 2024 | +11.23% | +9.20% |
| 2023 | +7.98% | +6.96% |
| 2022 | -- | +3.23% |
| 2021 | -- | +2.56% |
Aditya Birla Sun Life Long Term vs UTI - Gilt: 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 - Gilt 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 - Gilt | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.0% | 7.1% | 6.2% | 7.7% |
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 - Gilt: 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 - GiltUTI - Gilt Fund (Direct) | ₹5,10,000 | ₹5,70,650 | ₹60,650 | 5.2% |
Aditya Birla Sun Life Long TermAditya Birla Sun Life Long Term Fund (Direct)
UTI - GiltUTI - Gilt 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 - Gilt: 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 - Gilt Fund (Direct) |
|---|---|---|
| Return (CAGR) | +1.01% | +3.11% |
| Standard deviation | 3.47% | 2.46% |
| Sharpe ratio | -1.22 | -0.87 |
| Sortino ratio | -1.63 | -1.18 |
| Maximum drawdown | −3.3% (23-10-2026) | −2.6% (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 - Gilt Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.37% | +6.31% |
| Standard deviation | 3.02% | 2.63% |
| Sharpe ratio | 0.11 | 0.11 |
| Sortino ratio | 0.16 | 0.15 |
| Maximum drawdown | −3.3% (26-08-2025) | −3.2% (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 - Gilt Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.75% | +7.78% |
| Standard deviation | 3.04% | 3.70% |
| Sharpe ratio | 0.20 | 0.47 |
| Sortino ratio | 0.28 | 0.69 |
| Maximum drawdown | −3.3% (26-08-2025) | −8.1% (19-08-2013) |
| 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 - Gilt 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 - Gilt Fund (Direct) | −3.2% | 28-05-2025 | 26-08-2025 | 04-02-2026 | 5 months | −2.1% |
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 - Gilt 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 - Gilt Fund (Direct)
Aditya Birla Sun Life Long Term vs UTI - Gilt: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Long Term Fund, September 2026; UTI - Gilt Fund, September 2026
Holdings in common
- Overlap
- 20.4%
- Held by both
- 2
- Only in Aditya Birla Sun Life Long Term
- 22
- Only in UTI - Gilt
- 6
| Security | % of Aditya Birla Sun Life Long Term | % of UTI - Gilt |
|---|---|---|
| Government of India (18/05/2066) | 11.22% | 12.05% |
| Government of India (18/08/2055) | 10.65% | 9.15% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 20.4% means 20.4% 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 - Gilt Fund
| Security | % of fund |
|---|---|
| 6.90% GSEC MAT - 15/04/2065 | 51.89% |
| 6.79% NI GSEC MAT 15/05/2027 | 6.05% |
| 7.18% TN SDL 26/07/2027 | 3.64% |
| 07.30% UTTARAKHAND SGS Mat - 01/10/2032 | 2.03% |
| 7.77% ANDHRA PRADESH SGS - 10/01/2028 | 1.22% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Aditya Birla Sun Life Long Term | UTI - Gilt |
|---|---|---|
| Equity | 0.0% | 0.0% |
| Debt | 69.5% | 86.4% |
| Cash and others | 30.5% | 13.6% |
Aditya Birla Sun Life Long Term vs UTI - Gilt: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life Long Term Fund | UTI - Gilt Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.43% | 0.47% |
| Base expense ratio (Direct) | 0.36% | 0.38% |
| Total expense ratio (Regular) | 0.98% | 0.85% |
| Base expense ratio (Regular) | 0.84% | 0.72% |
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 - Gilt Fund: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Long Term Fund and UTI - Gilt Fund?
Aditya Birla Sun Life Long Term Fund is a Long Duration fund, UTI - Gilt Fund is a Gilt fund, run by Aditya Birla Sun Life Mutual Fund and UTI Mutual Fund. Their portfolios overlap 20.4%. Aditya Birla Sun Life Long Term Fund charges 0.43% a year and UTI - Gilt Fund 0.47%.
Which has given higher returns, Aditya Birla Sun Life Long Term Fund or UTI - Gilt Fund?
Over 1 year: Aditya Birla Sun Life Long Term Fund +1.01%, UTI - Gilt Fund +3.11%. Over 3 years: Aditya Birla Sun Life Long Term Fund +6.37% a year, UTI - Gilt Fund +6.31% 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 - Gilt Fund?
Aditya Birla Sun Life Long Term Fund charges less: 0.43% a year against 0.47%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Aditya Birla Sun Life Long Term Fund and UTI - Gilt Fund overlap?
20.4%. They hold 2 of the same securities, the largest shared ones being Government of India (18/05/2066), Government of India (18/08/2055). From each fund's latest monthly portfolio.
Which is riskier, Aditya Birla Sun Life Long Term Fund or UTI - Gilt Fund?
On SEBI's riskometer, Aditya Birla Sun Life Long Term Fund is rated Moderate and UTI - Gilt Fund Moderate. Over 3 years, the standard deviation of daily returns was 3.02% and 2.63% a year.
Which is better for SIP, Aditya Birla Sun Life Long Term Fund or UTI - Gilt 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 ₹3,96,184 in UTI - Gilt Fund (XIRR 4.4% 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 - Gilt Fund?
Yes. 20.4% 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 - Gilt Fund?
Aditya Birla Sun Life Long Term Fund: Harshil Suvarnkar, Bhupesh Bameta. UTI - Gilt 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.