DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund vs UTI CRISIL SDL Maturity April 2033 Index Fund
Direct Plan, Growth option · Data as on 30-10-2026
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund is an Index fund and UTI CRISIL SDL Maturity April 2033 Index Fund is an Index fund. In the 3 years to 30-10-2026, DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund (Direct) returned 7.0% a year and UTI CRISIL SDL Maturity April 2033 Index Fund (Direct) returned 6.8% a year. DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund charges 0.15% a year and UTI CRISIL SDL Maturity April 2033 Index Fund 0.17% (Direct plans). Their portfolios overlap 19.6%: they hold 5 of the same securities.
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund
Index
- 3 year return
- 7.0%
- Expense ratio
- 0.15%
- NAV
- ₹12.90
UTI CRISIL SDL Maturity April 2033 Index Fund
Index
- 3 year return
- 6.8%
- Expense ratio
- 0.17%
- NAV
- ₹12.88
Which is better, DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index or UTI CRISIL SDL Maturity April 2033 Index? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index returned more over 3 years: 7.0% a year against 6.8%.
- UTI CRISIL SDL Maturity April 2033 Index returned more over 1 year: 2.5% against 2.4%.
- DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index costs less: 0.15% a year against 0.17% (Direct plans).
- DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index swung less over 3 years: a standard deviation of 2.0% a year against 2.3%.
- UTI CRISIL SDL Maturity April 2033 Index fell less in its worst fall since 27-01-2023: −2.4% against −2.6%.
- DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index is the larger fund: ₹269 Cr against ₹266 Cr.
- Their portfolios overlap 19.6%: 5 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 | DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund | UTI CRISIL SDL Maturity April 2033 Index Fund |
|---|---|---|
| Fund house | DSP Mutual Fund | UTI Mutual Fund |
| Category | Index | Index |
| AUM | ₹269 Cr (30-09-2026) | ₹266 Cr (30-09-2026) |
| NAV | ₹12.90 (Direct) | ₹12.88 (Direct) |
| Expense ratio (Direct) | 0.15% | 0.17% |
| Expense ratio (Regular) | 0.40% | 0.40% |
| Riskometer | Moderate | Moderate |
| Benchmark | CRISIL-IBX 50:50 Gilt Plus SDL Index - April 2033 | CRISIL IBX SDL Index - April 2033 |
| Launch date | 25-01-2023 | 21-12-2022 |
| Minimum investment | ₹100 | ₹5,000 |
| Lock in | None | None |
| Fund managers | Shantanu Godambe | Jaydeep Bhowal FM1 |
| Exit load | Nil | Nil |
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index vs UTI CRISIL SDL Maturity April 2033 Index: 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 |
|---|---|---|---|---|---|---|---|
| DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund (Direct) | −0.90% | −1.82% | +1.45% | +2.39% | +7.00% | -- | -- |
| UTI CRISIL SDL Maturity April 2033 Index Fund (Direct) | −0.92% | −1.70% | +1.69% | +2.49% | +6.81% | -- | -- |
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index vs UTI CRISIL SDL Maturity April 2033 Index: Year-wise Returns
| Year | DSP CRISIL-IBX 50:50 Gilt Plus SDL -DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index | UTI CRISIL SDL MaturityUTI CRISIL SDL Maturity April 2033 Index |
|---|---|---|
| 2026to date | +2.06% | +2.56% |
| 2025 | +6.97% | +5.89% |
| 2024 | +9.96% | +10.59% |
| 2023 | -- | +7.11% |
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index vs UTI CRISIL SDL Maturity April 2033 Index: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 183 of them, one for each trading day from 27-01-2026 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.
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund (Direct)
UTI CRISIL SDL Maturity April 2033 Index Fund (Direct)
to
Feb 2026Apr 2023
to
Apr 2026May 2023
to
May 2026Jul 2023
to
Jul 2026Aug 2023
to
Aug 2026Oct 2023
to
Oct 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.6% | 7.6% | 6.7% | 8.5% |
| UTI CRISIL SDL Maturity April 2033 Index | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.4% | 7.4% | 6.5% | 8.3% |
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 27-01-2023. Past returns do not promise future returns.
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index vs UTI CRISIL SDL Maturity April 2033 Index: 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 27-01-2023 to 30-10-2026: 46 instalments, ₹4,60,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 IndexDSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund (Direct) | ₹4,60,000 | ₹5,12,800 | ₹52,800 | 5.6% |
| UTI CRISIL SDL Maturity April 2033 IndexUTI CRISIL SDL Maturity April 2033 Index Fund (Direct) | ₹4,60,000 | ₹5,11,884 | ₹51,884 | 5.5% |
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 IndexDSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund (Direct)
UTI CRISIL SDL Maturity April 2033 IndexUTI CRISIL SDL Maturity April 2033 Index 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.
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index vs UTI CRISIL SDL Maturity April 2033 Index: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund (Direct) | UTI CRISIL SDL Maturity April 2033 Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | +2.39% | +2.49% |
| Standard deviation | 2.32% | 2.61% |
| Sharpe ratio | -1.23 | -1.06 |
| Sortino ratio | -1.66 | -1.40 |
| Maximum drawdown | −2.6% (27-10-2026) | −2.4% (27-10-2026) |
| 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 | DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund (Direct) | UTI CRISIL SDL Maturity April 2033 Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.00% | +6.81% |
| Standard deviation | 1.98% | 2.31% |
| Sharpe ratio | 0.49 | 0.34 |
| Sortino ratio | 0.71 | 0.48 |
| Maximum drawdown | −2.6% (27-10-2026) | −2.4% (27-10-2026) |
| 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 | DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund (Direct) | UTI CRISIL SDL Maturity April 2033 Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.02% | +6.78% |
| Standard deviation | 1.96% | 2.22% |
| Sharpe ratio | 0.43 | 0.27 |
| Sortino ratio | 0.62 | 0.38 |
| Maximum drawdown | −2.6% (27-10-2026) | −2.4% (27-10-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 27-01-2023 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.
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.
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund (Direct)
UTI CRISIL SDL Maturity April 2033 Index Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund (Direct) | −2.6% | 13-08-2026 | 27-10-2026 | Not yet | -- | −2.5% |
| UTI CRISIL SDL Maturity April 2033 Index Fund (Direct) | −2.4% | 13-08-2026 | 27-10-2026 | Not yet | -- | −2.3% |
From daily values since 27-01-2023, 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.
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund (Direct)
UTI CRISIL SDL Maturity April 2033 Index 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.
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund (Direct)
UTI CRISIL SDL Maturity April 2033 Index Fund (Direct)
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index vs UTI CRISIL SDL Maturity April 2033 Index: Portfolio Overlap
From each fund's latest monthly portfolio: DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund, September 2026; UTI CRISIL SDL Maturity April 2033 Index Fund, September 2026
Holdings in common
- Overlap
- 19.6%
- Held by both
- 5
- Only in DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index
- 6
- Only in UTI CRISIL SDL Maturity April 2033 Index
- 23
| Security | % of DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index | % of UTI CRISIL SDL Maturity April 2033 Index |
|---|---|---|
| 7.70% Maharashtra SDL 08032033 | 12.13% | 9.41% |
| 7.65% Gujarat SDL 01022033 | 3.76% | 3.76% |
| 7.68% Gujarat SDL 15032033 | 3.73% | 5.45% |
| 7.48% Karnataka SDL 21022033 | 2.41% | 8.69% |
| 7.64% Maharashtra SDL 25012033 | 9.41% | 0.28% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 19.6% means 19.6% 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 DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund
| Security | % of fund |
|---|---|
| 7.26% GOI 22082032 | 36.64% |
| 7.26% GOI 06022033 | 13.24% |
| 7.74% Maharashtra SDL 01032033 | 10.54% |
| 7.64% Telangana SDL 08022033 | 2.99% |
| 7.60% Karnataka SDL 28122032 | 2.61% |
Largest holdings only in UTI CRISIL SDL Maturity April 2033 Index Fund
| Security | % of fund |
|---|---|
| 07.78% RAJASTHAN SDL 29/03/2033 | 9.43% |
| 7.77% HARYANA SDL MAT - 29/03/2033 | 9.42% |
| 7.67% Madhya Pd SDL 01/02/2033 | 7.49% |
| 07.64% BIHAR SDL 21/12/2032 | 5.63% |
| 7.80% AP SDL 31/03/2033 | 3.77% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index | UTI CRISIL SDL Maturity April 2033 Index |
|---|---|---|
| Equity | 0.0% | 0.0% |
| Debt | 98.5% | 96.4% |
| Cash and others | 1.5% | 3.6% |
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index vs UTI CRISIL SDL Maturity April 2033 Index: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund | UTI CRISIL SDL Maturity April 2033 Index Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.15% | 0.17% |
| Base expense ratio (Direct) | 0.13% | 0.15% |
| Total expense ratio (Regular) | 0.40% | 0.40% |
| Base expense ratio (Regular) | 0.34% | 0.35% |
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.
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund vs UTI CRISIL SDL Maturity April 2033 Index Fund: Frequently Asked Questions
What is the difference between DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund and UTI CRISIL SDL Maturity April 2033 Index Fund?
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund is an Index fund, UTI CRISIL SDL Maturity April 2033 Index Fund is an Index fund, run by DSP Mutual Fund and UTI Mutual Fund. Their portfolios overlap 19.6%. DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund charges 0.15% a year and UTI CRISIL SDL Maturity April 2033 Index Fund 0.17%.
Which has given higher returns, DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund or UTI CRISIL SDL Maturity April 2033 Index Fund?
Over 1 year: DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund +2.39%, UTI CRISIL SDL Maturity April 2033 Index Fund +2.49%. Over 3 years: DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund +7.00% a year, UTI CRISIL SDL Maturity April 2033 Index Fund +6.81% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund or UTI CRISIL SDL Maturity April 2033 Index Fund?
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund charges less: 0.15% a year against 0.17%. These are the Direct plans' total expense ratios reported to AMFI.
How much do DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund and UTI CRISIL SDL Maturity April 2033 Index Fund overlap?
19.6%. They hold 5 of the same securities, the largest shared ones being 7.70% Maharashtra SDL 08032033, 7.65% Gujarat SDL 01022033, 7.68% Gujarat SDL 15032033. From each fund's latest monthly portfolio.
Which is riskier, DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund or UTI CRISIL SDL Maturity April 2033 Index Fund?
On SEBI's riskometer, DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund is rated Moderate and UTI CRISIL SDL Maturity April 2033 Index Fund Moderate. Over 3 years, the standard deviation of daily returns was 1.98% and 2.31% a year.
Which is better for SIP, DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund or UTI CRISIL SDL Maturity April 2033 Index Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹3,99,869 in DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund (XIRR 5.0% a year) and ₹3,99,357 in UTI CRISIL SDL Maturity April 2033 Index Fund (XIRR 4.9% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund and UTI CRISIL SDL Maturity April 2033 Index Fund?
Yes. 19.6% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund and UTI CRISIL SDL Maturity April 2033 Index Fund?
DSP CRISIL-IBX 50:50 Gilt Plus SDL - April 2033 Index Fund: Shantanu Godambe. UTI CRISIL SDL Maturity April 2033 Index Fund: Jaydeep Bhowal FM1.
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.