Aditya Birla Sun Life Pharma and Healthcare Fund vs UTI - Healthcare Fund
Direct Plan, Growth option · Data as on 30-10-2026
Aditya Birla Sun Life Pharma and Healthcare Fund is a Thematic fund and UTI - Healthcare Fund is a Thematic fund. In the 3 years to 30-10-2026, Aditya Birla Sun Life Pharma and Healthcare Fund (Direct) returned 21.1% a year and UTI - Healthcare Fund (Direct) returned 23.5% a year. Aditya Birla Sun Life Pharma and Healthcare Fund charges 1.08% a year and UTI - Healthcare Fund 1.35% (Direct plans). Their portfolios overlap 49.7%: they hold 27 of the same securities.
Aditya Birla Sun Life Pharma and Healthcare Fund
Thematic
- 3 year return
- 21.1%
- Expense ratio
- 1.08%
- NAV
- ₹39.28
UTI - Healthcare Fund
Thematic
- 3 year return
- 23.5%
- Expense ratio
- 1.35%
- NAV
- ₹375.09
Which is better, Aditya Birla Sun Life Pharma and Healthcare or UTI - Healthcare? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- UTI - Healthcare returned more over 5 years: 16.2% a year against 14.8%.
- UTI - Healthcare returned more over 3 years: 23.5% a year against 21.1%.
- Aditya Birla Sun Life Pharma and Healthcare costs less: 1.08% a year against 1.35% (Direct plans).
- Aditya Birla Sun Life Pharma and Healthcare swung less over 3 years: a standard deviation of 12.8% a year against 13.5%.
- Aditya Birla Sun Life Pharma and Healthcare fell less in its worst fall since 11-07-2019: −20.5% against −21.1%.
- Aditya Birla Sun Life Pharma and Healthcare holds more in large companies: 32.9% of the fund in large caps against 18.2%.
- UTI - Healthcare is the larger fund: ₹1,430 Cr against ₹1,078 Cr.
- Their portfolios overlap 49.7%: 27 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 Pharma and Healthcare Fund | UTI - Healthcare Fund |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | UTI Mutual Fund |
| Category | Thematic | Thematic |
| AUM | ₹1,078 Cr (30-09-2026) | ₹1,430 Cr (30-09-2026) |
| NAV | ₹39.28 (Direct) | ₹375.09 (Direct) |
| Expense ratio (Direct) | 1.08% | 1.35% |
| Expense ratio (Regular) | 2.31% | 2.23% |
| Riskometer | Very High | Very High |
| Benchmark | BSE Healthcare TRI | BSE Healthcare TRI |
| Launch date | 11-07-2019 | 28-06-1999 |
| Minimum investment | ₹1,000 | 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 | Dhaval Shah | Kamal Gada FM 1, Not Applicable FM 2, Not Applicable FM 3 |
| Exit load | Exit load of 1% if redeemed within 30 days. | 1.00% if redeemed before 30 days from the date of allotment. Nil if redeemed on or after 30 days from the date of allotment |
Aditya Birla Sun Life Pharma and Healthcare vs UTI - Healthcare: 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 Pharma and Healthcare Fund (Direct) | −1.11% | −2.63% | +12.00% | +14.15% | +21.08% | +14.76% | -- |
| UTI - Healthcare Fund (Direct) | −1.26% | −1.40% | +12.80% | +13.46% | +23.47% | +16.24% | +14.40% |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | +13.76% | +11.62% | +13.76% |
Category average: the average of the 235 Thematic funds, same plan type.
Aditya Birla Sun Life Pharma and Healthcare vs UTI - Healthcare: Year-wise Returns
| Year | Aditya Birla Sun Life Pharma andAditya Birla Sun Life Pharma and Healthcare | UTI -UTI - Healthcare | BSE Healthcare TRI |
|---|---|---|---|
| 2026to date | +15.94% | +16.63% | +15.08% |
| 2025 | −3.09% | −2.18% | −2.72% |
| 2024 | +37.69% | +44.27% | +44.30% |
| 2023 | +39.58% | +39.56% | +37.97% |
| 2022 | −11.31% | −11.30% | −11.50% |
| 2021 | +21.36% | +20.35% | +21.54% |
Aditya Birla Sun Life Pharma and Healthcare vs UTI - Healthcare: Rolling Returns
Every holding period of both funds, against BSE Healthcare TRI, the benchmark of both
Rolling returns
Every 3-year holding period, 1,060 of them, one for each trading day from 11-07-2022 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 Pharma and Healthcare Fund (Direct)
UTI - Healthcare Fund (Direct)
BSE Healthcare TRI
to
Nov 2022Aug 2020
to
Aug 2023May 2021
to
May 2024Jan 2022
to
Jan 2025Oct 2022
to
Oct 2025Jun 2023
to
Jun 2026
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 Pharma and Healthcare | 0.0 | 0.0 | 0.0 | 15.7 | 35.0 | 43.9 | 5.5 | 19.6% | 19.9% | 12.1% | 27.8% | 23% |
| UTI - Healthcare | 0.0 | 0.0 | 0.0 | 14.6 | 23.8 | 33.9 | 27.7 | 21.2% | 21.8% | 12.3% | 29.7% | 85% |
| BSE Healthcare TRI | 0.0 | 0.0 | 0.0 | 15.0 | 28.3 | 41.4 | 15.3 | 20.4% | 21.0% | 12.0% | 28.8% | -- |
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 BSE Healthcare 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 11-07-2019. Past returns do not promise future returns.
Aditya Birla Sun Life Pharma and Healthcare vs UTI - Healthcare: 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 11-07-2019 to 30-10-2026: 88 instalments, ₹8,80,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Aditya Birla Sun Life Pharma and HealthcareAditya Birla Sun Life Pharma and Healthcare Fund (Direct) | ₹8,80,000 | ₹17,52,233 | ₹8,72,233 | 18.4% |
| UTI - HealthcareUTI - Healthcare Fund (Direct) | ₹8,80,000 | ₹18,82,117 | ₹10,02,117 | 20.3% |
Aditya Birla Sun Life Pharma and HealthcareAditya Birla Sun Life Pharma and Healthcare Fund (Direct)
UTI - HealthcareUTI - Healthcare 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 Pharma and Healthcare vs UTI - Healthcare: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Aditya Birla Sun Life Pharma and Healthcare Fund (Direct) | UTI - Healthcare Fund (Direct) |
|---|---|---|
| Return (CAGR) | +14.15% | +13.46% |
| Standard deviation | 12.28% | 13.22% |
| Sharpe ratio | 0.73 | 0.62 |
| Sortino ratio | 1.07 | 0.91 |
| Maximum drawdown | −9.6% (23-10-2026) | −10.2% (23-10-2026) |
| Beta | 0.87 | 0.93 |
| Alpha | +2.70% | +1.60% |
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 Pharma and Healthcare Fund (Direct) | UTI - Healthcare Fund (Direct) |
|---|---|---|
| Return (CAGR) | +21.08% | +23.47% |
| Standard deviation | 12.82% | 13.47% |
| Sharpe ratio | 1.17 | 1.30 |
| Sortino ratio | 1.69 | 1.84 |
| Maximum drawdown | −15.9% (28-02-2025) | −15.9% (03-03-2025) |
| Beta | 0.87 | 0.92 |
| Alpha | +0.27% | +1.87% |
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 Pharma and Healthcare Fund (Direct) | UTI - Healthcare Fund (Direct) |
|---|---|---|
| Return (CAGR) | +14.76% | +16.24% |
| Standard deviation | 12.83% | 13.13% |
| Sharpe ratio | 0.70 | 0.79 |
| Sortino ratio | 1.00 | 1.12 |
| Maximum drawdown | −18.7% (17-06-2022) | −19.4% (17-06-2022) |
| Beta | 0.88 | 0.91 |
| Alpha | +0.29% | +1.53% |
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 Pharma and Healthcare Fund (Direct) | UTI - Healthcare Fund (Direct) |
|---|---|---|
| Return (CAGR) | +20.52% | +16.09% |
| Standard deviation | 14.89% | 15.17% |
| Sharpe ratio | 1.03 | 0.66 |
| Sortino ratio | 1.51 | 0.94 |
| Maximum drawdown | −20.5% (17-06-2022) | −27.1% (23-03-2020) |
| Beta | 0.88 | 0.88 |
| Alpha | +1.23% | +2.36% |
From daily NAVs, 11-07-2019 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 Pharma and Healthcare Fund (Direct)
UTI - Healthcare Fund (Direct)
BSE Healthcare TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Pharma and Healthcare Fund (Direct) | −20.5% | 16-09-2021 | 17-06-2022 | 20-07-2023 | 13 months | −4.7% |
| UTI - Healthcare Fund (Direct) | −21.1% | 04-10-2021 | 17-06-2022 | 20-07-2023 | 13 months | −5.0% |
| BSE Healthcare TRI | −24.1% | 20-02-2020 | 23-03-2020 | 09-04-2020 | 17 days | −3.8% |
From daily values since 11-07-2019, 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 Pharma and Healthcare Fund (Direct)
UTI - Healthcare Fund (Direct)
BSE Healthcare 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 Pharma and Healthcare Fund (Direct)
UTI - Healthcare Fund (Direct)
BSE Healthcare 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 Pharma and Healthcare Fund (Direct)
UTI - Healthcare Fund (Direct)
BSE Healthcare TRI
Against BSE Healthcare TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Aditya Birla Sun Life Pharma and Healthcare Fund (Direct) | 92% | 87% | 4.13% |
| UTI - Healthcare Fund (Direct) | 96% | 82% | 3.62% |
From month-end values since 11-07-2019. 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 Pharma and Healthcare vs UTI - Healthcare: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Pharma and Healthcare Fund, September 2026; UTI - Healthcare Fund, September 2026
Holdings in common
- Overlap
- 49.7%
- Held by both
- 27
- Only in Aditya Birla Sun Life Pharma and Healthcare
- 12
- Only in UTI - Healthcare
- 17
| Security | % of Aditya Birla Sun Life Pharma and Healthcare | % of UTI - Healthcare |
|---|---|---|
| Sun Pharmaceutical Industries Ltd. | 8.61% | 7.62% |
| Ajanta Pharma Ltd. | 4.35% | 4.81% |
| Apollo Hospitals Enterprise Ltd. | 6.44% | 3.03% |
| Lupin Ltd. | 2.94% | 2.89% |
| IPCA Laboratories Ltd. | 2.71% | 2.81% |
| Gland Pharma Ltd. | 2.70% | 4.06% |
| Divi's Laboratories Ltd. | 2.24% | 6.15% |
| Aurobindo Pharma Ltd. | 4.52% | 2.07% |
| Fortis Healthcare Ltd. | 2.42% | 2.02% |
| Procter & Gamble Health Ltd. | 1.82% | 1.95% |
| Alkem Laboratories Ltd. | 1.68% | 3.70% |
| Dr. Lal Path labs Ltd. | 3.51% | 1.67% |
| Jupiter Life Line Hospitals Ltd. | 1.55% | 2.09% |
| Metropolis Healthcare Ltd. | 1.48% | 1.47% |
| Biocon Ltd. | 1.45% | 1.62% |
| Cipla Ltd. | 6.38% | 1.41% |
| Sai Life Sciences Ltd. | 4.49% | 1.26% |
| Dr. Reddy's Laboratories Ltd. | 1.13% | 5.24% |
| Anthem Biosciences Ltd. | 1.13% | 1.80% |
| Manipal Health Enterprises Ltd | 1.07% | 1.05% |
| Vijaya Diagnostic Centre Ltd. | 1.04% | 1.33% |
| Pfizer Ltd. | 1.01% | 0.93% |
| Sanofi Consumer Healthcare India Ltd. | 1.11% | 0.67% |
| Max Healthcare Institute Ltd. | 0.60% | 2.80% |
| Jubilant Pharmova Ltd. | 0.60% | 0.65% |
| Syngene International Ltd. | 0.64% | 0.42% |
| Emcure Pharmaceuticals Ltd. | 3.21% | 0.20% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 49.7% means 49.7% 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 Pharma and Healthcare Fund
| Security | % of fund |
|---|---|
| Torrent Pharmaceuticals Ltd. | 9.28% |
| Mankind Pharma Ltd. | 3.62% |
| Abbott India Ltd. | 3.26% |
| Corona Remedies Ltd. | 2.27% |
| Thyrocare Technologies Ltd. | 1.76% |
Largest holdings only in UTI - Healthcare Fund
| Security | % of fund |
|---|---|
| EQ - CAPLIN POINT LABORATORIES LTD | 3.02% |
| EQ- GLOBAL HEALTH LTD. | 2.96% |
| EQ - COHANCE LIFESCIENCES LIMITED | 2.79% |
| EQ - MARKSANS PHARMA LTD. | 2.25% |
| EQ - RAINBOW CHILDRENS MEDICARE LTD | 2.21% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Aditya Birla Sun Life Pharma and Healthcare | UTI - Healthcare |
|---|---|---|
| Equity | 97.9% | 94.2% |
| Debt | 0.0% | 0.0% |
| Cash and others | 2.1% | 5.8% |
Market cap of stocks
| Market cap | Aditya Birla Sun Life Pharma and Healthcare | UTI - Healthcare |
|---|---|---|
| Large Cap | 32.9% | 18.2% |
| Mid Cap | 30.6% | 33.6% |
| Small Cap | 31.7% | 39.2% |
| Not on AMFI's list | 2.6% | 3.1% |
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 Pharma and Healthcare | UTI - Healthcare |
|---|---|---|
| Pharmaceuticals & Biotechnology | 74.9% | 68.5% |
| Healthcare Services | 21.6% | 23.3% |
| Chemicals & Petrochemicals | 0.7% | 1.3% |
| Healthcare Equipment & Supplies | 0.0% | 1.1% |
| Insurance | 0.7% | 0.0% |
The six largest sectors of each fund's stocks, % of the fund.
Aditya Birla Sun Life Pharma and Healthcare vs UTI - Healthcare: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life Pharma and Healthcare Fund | UTI - Healthcare Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.08% | 1.35% |
| Base expense ratio (Direct) | 0.84% | 1.06% |
| Total expense ratio (Regular) | 2.31% | 2.23% |
| Base expense ratio (Regular) | 1.91% | 1.84% |
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 Pharma and Healthcare with
- Aditya Birla Sun Life Pharma and Healthcare vs Nippon India Taiwan Equity
- Aditya Birla Sun Life Pharma and Healthcare vs HDFC Defence
- Aditya Birla Sun Life Pharma and Healthcare vs HDFC Pharma and Healthcare
- Aditya Birla Sun Life Pharma and Healthcare vs SBI Healthcare Opportunities
- Aditya Birla Sun Life Pharma and Healthcare vs Aditya Birla Sun Life International Equity
Aditya Birla Sun Life Pharma and Healthcare Fund vs UTI - Healthcare Fund: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Pharma and Healthcare Fund and UTI - Healthcare Fund?
Aditya Birla Sun Life Pharma and Healthcare Fund is a Thematic fund, UTI - Healthcare Fund is a Thematic fund, run by Aditya Birla Sun Life Mutual Fund and UTI Mutual Fund. Their portfolios overlap 49.7%. Aditya Birla Sun Life Pharma and Healthcare Fund charges 1.08% a year and UTI - Healthcare Fund 1.35%.
Which has given higher returns, Aditya Birla Sun Life Pharma and Healthcare Fund or UTI - Healthcare Fund?
Over 1 year: Aditya Birla Sun Life Pharma and Healthcare Fund +14.15%, UTI - Healthcare Fund +13.46%. Over 3 years: Aditya Birla Sun Life Pharma and Healthcare Fund +21.08% a year, UTI - Healthcare Fund +23.47% a year. Over 5 years: Aditya Birla Sun Life Pharma and Healthcare Fund +14.76% a year, UTI - Healthcare Fund +16.24% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Aditya Birla Sun Life Pharma and Healthcare Fund or UTI - Healthcare Fund?
Aditya Birla Sun Life Pharma and Healthcare Fund charges less: 1.08% a year against 1.35%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Aditya Birla Sun Life Pharma and Healthcare Fund and UTI - Healthcare Fund overlap?
49.7%. They hold 27 of the same securities, the largest shared ones being SUNPHARMA, AJANTPHARM, APOLLOHOSP. From each fund's latest monthly portfolio.
Which is riskier, Aditya Birla Sun Life Pharma and Healthcare Fund or UTI - Healthcare Fund?
On SEBI's riskometer, Aditya Birla Sun Life Pharma and Healthcare Fund is rated Very High and UTI - Healthcare Fund Very High. Over 3 years, the standard deviation of daily returns was 12.82% and 13.47% a year.
Which is better for SIP, Aditya Birla Sun Life Pharma and Healthcare Fund or UTI - Healthcare Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹9,58,068 in Aditya Birla Sun Life Pharma and Healthcare Fund (XIRR 17.8% a year) and ₹10,03,174 in UTI - Healthcare Fund (XIRR 19.7% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both Aditya Birla Sun Life Pharma and Healthcare Fund and UTI - Healthcare Fund?
Yes. 49.7% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages Aditya Birla Sun Life Pharma and Healthcare Fund and UTI - Healthcare Fund?
Aditya Birla Sun Life Pharma and Healthcare Fund: Dhaval Shah. UTI - Healthcare Fund: Kamal Gada FM 1, Not Applicable FM 2, Not Applicable FM 3.
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.