Edelweiss Balanced Advantage Fund vs UTI - Unit Linked Insurance Plan
Direct Plan, Growth option · Data as on 30-10-2026
Edelweiss Balanced Advantage Fund and UTI - Unit Linked Insurance Plan are both Balanced Advantage funds. In the 3 years to 30-10-2026, Edelweiss Balanced Advantage Fund (Direct) returned 10.6% a year and UTI - Unit Linked Insurance Plan (Direct) returned 7.8% a year. Edelweiss Balanced Advantage Fund charges 0.81% a year and UTI - Unit Linked Insurance Plan 1.11% (Direct plans). Their portfolios overlap 17.3%: they hold 22 of the same securities.
Edelweiss Balanced Advantage Fund
Balanced Advantage
- 3 year return
- 10.6%
- Expense ratio
- 0.81%
- NAV
- ₹59.87
UTI - Unit Linked Insurance Plan
Balanced Advantage
- 3 year return
- 7.8%
- Expense ratio
- 1.11%
- NAV
- ₹45.91
Which is better, Edelweiss Balanced Advantage or UTI - Unit Linked Insurance Plan? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Edelweiss Balanced Advantage returned more over 5 years: 8.9% a year against 5.7%.
- Edelweiss Balanced Advantage returned more over 3 years: 10.6% a year against 7.8%.
- Edelweiss Balanced Advantage costs less: 0.81% a year against 1.11% (Direct plans).
- UTI - Unit Linked Insurance Plan swung less over 3 years: a standard deviation of 5.6% a year against 9.2%.
- Edelweiss Balanced Advantage fell less in its worst fall since 22-01-2013: −16.2% against −17.9%.
- Edelweiss Balanced Advantage holds more in large companies: 58.4% of the fund in large caps against 23.8%.
- Edelweiss Balanced Advantage is the larger fund: ₹12,880 Cr against ₹4,930 Cr.
- Their portfolios overlap 17.3%: 22 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 | Edelweiss Balanced Advantage Fund | UTI - Unit Linked Insurance Plan |
|---|---|---|
| Fund house | Edelweiss Mutual Fund | UTI Mutual Fund |
| Category | Balanced Advantage | Balanced Advantage |
| AUM | ₹12,880 Cr (30-09-2026) | ₹4,930 Cr (30-09-2026) |
| NAV | ₹59.87 (Direct) | ₹45.91 (Direct) |
| Expense ratio (Direct) | 0.81% | 1.11% |
| Expense ratio (Regular) | 1.93% | 1.60% |
| Riskometer | Very High | High |
| Benchmark | NIFTY 50 Hybrid Composite Debt 50:50 Index | NIFTY 50 Hybrid Composite Debt 50:50 Index |
| Launch date | 20-08-2009 | 01-10-1971 |
| Minimum investment | ₹100 | Minimum target amount under the scheme is 15000 which is required to be invested over 10/15 year period. |
| Lock in | None | None |
| Fund managers | Bhavesh Jain, Bharat Lahoti, Rahul Dedhia, Kedar Karnik | Anurag Mittal FM 1, Ajay Tyagi FM 2, Kamal Gada FM 3 Mr. Akash Shah FM 4 |
| Exit load | • 10% of the units allotted shall be redeemed without any Exit Load on or before completion of 90 days from the date of allotment of units. Any redemption in excess of such limit within 90 days from the date of allotment shall be subject to the following Exit Load: • If redeemed or switched out on or before completion of 90 days from the date of allotment of units - 1.00% • If redeemed or switched out after completion of 90 days from the date of allotment of units - NIL | If withdrawn prematurely – 2% On or after maturity – Nil |
Edelweiss Balanced Advantage vs UTI - Unit Linked Insurance Plan: 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 |
|---|---|---|---|---|---|---|---|
| Edelweiss Balanced Advantage Fund (Direct) | +0.39% | −1.92% | +1.39% | +0.50% | +10.56% | +8.93% | +11.84% |
| UTI - Unit Linked Insurance Plan (Direct) | −0.03% | −2.17% | +3.96% | −0.53% | +7.84% | +5.73% | +7.58% |
| Balanced Advantage average | −0.55% | −2.88% | +0.08% | −2.08% | +9.14% | +8.35% | +9.91% |
Category average: the average of the 38 Balanced Advantage funds, same plan type.
Edelweiss Balanced Advantage vs UTI - Unit Linked Insurance Plan: Year-wise Returns
| Year | Edelweiss Balanced AdvantageEdelweiss Balanced Advantage | UTI - Unit Linked Insurance PlanUTI - Unit Linked Insurance Plan |
|---|---|---|
| 2026to date | −0.61% | +0.38% |
| 2025 | +8.27% | +5.12% |
| 2024 | +14.39% | +12.24% |
| 2023 | +20.28% | +12.76% |
| 2022 | +3.53% | −1.60% |
| 2021 | +20.41% | +15.42% |
Edelweiss Balanced Advantage vs UTI - Unit Linked Insurance Plan: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 2,654 of them, one for each trading day from 22-01-2016 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.
Edelweiss Balanced Advantage Fund (Direct)
UTI - Unit Linked Insurance Plan (Direct)
to
Dec 2016Oct 2015
to
Oct 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Edelweiss Balanced Advantage | 0.0 | 0.7 | 24.1 | 53.4 | 21.4 | 0.4 | 0.0 | 12.6% | 13.0% | 3.4% | 20.8% |
| UTI - Unit Linked Insurance Plan | 0.2 | 11.9 | 60.5 | 27.5 | 0.0 | 0.0 | 0.0 | 8.4% | 8.8% | −0.7% | 14.9% |
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 22-01-2013. Past returns do not promise future returns.
Edelweiss Balanced Advantage vs UTI - Unit Linked Insurance Plan: 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 22-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Edelweiss Balanced AdvantageEdelweiss Balanced Advantage Fund (Direct) | ₹16,60,000 | ₹39,07,477 | ₹22,47,477 | 11.6% |
| UTI - Unit Linked Insurance PlanUTI - Unit Linked Insurance Plan (Direct) | ₹16,60,000 | ₹28,98,406 | ₹12,38,406 | 7.7% |
Edelweiss Balanced AdvantageEdelweiss Balanced Advantage Fund (Direct)
UTI - Unit Linked Insurance PlanUTI - Unit Linked Insurance Plan (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.
Edelweiss Balanced Advantage vs UTI - Unit Linked Insurance Plan: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Edelweiss Balanced Advantage Fund (Direct) | UTI - Unit Linked Insurance Plan (Direct) |
|---|---|---|
| Return (CAGR) | +0.50% | −0.53% |
| Standard deviation | 9.31% | 6.39% |
| Sharpe ratio | -0.51 | -0.90 |
| Sortino ratio | -0.69 | -1.23 |
| Maximum drawdown | −8.1% (23-03-2026) | −8.2% (30-03-2026) |
| 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 | Edelweiss Balanced Advantage Fund (Direct) | UTI - Unit Linked Insurance Plan (Direct) |
|---|---|---|
| Return (CAGR) | +10.56% | +7.84% |
| Standard deviation | 9.18% | 5.63% |
| Sharpe ratio | 0.49 | 0.32 |
| Sortino ratio | 0.67 | 0.46 |
| Maximum drawdown | −11.1% (28-02-2025) | −8.2% (30-03-2026) |
| 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 | Edelweiss Balanced Advantage Fund (Direct) | UTI - Unit Linked Insurance Plan (Direct) |
|---|---|---|
| Return (CAGR) | +8.93% | +5.73% |
| Standard deviation | 8.62% | 5.69% |
| Sharpe ratio | 0.36 | -0.01 |
| Sortino ratio | 0.49 | -0.02 |
| Maximum drawdown | −11.1% (28-02-2025) | −9.7% (17-06-2022) |
| Beta | -- | -- |
| Alpha | -- | -- |
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 | Edelweiss Balanced Advantage Fund (Direct) | UTI - Unit Linked Insurance Plan (Direct) |
|---|---|---|
| Return (CAGR) | +11.91% | +7.05% |
| Standard deviation | 8.85% | 7.17% |
| Sharpe ratio | 0.66 | 0.14 |
| Sortino ratio | 0.92 | 0.17 |
| Maximum drawdown | −16.2% (23-03-2020) | −17.9% (23-03-2020) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 22-01-2013 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.
Edelweiss Balanced Advantage Fund (Direct)
UTI - Unit Linked Insurance Plan (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Edelweiss Balanced Advantage Fund (Direct) | −16.2% | 12-02-2020 | 23-03-2020 | 07-07-2020 | 3 months | −3.6% |
| UTI - Unit Linked Insurance Plan (Direct) | −17.9% | 12-02-2020 | 23-03-2020 | 16-09-2020 | 6 months | −3.4% |
From daily values since 22-01-2013, 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.
Edelweiss Balanced Advantage Fund (Direct)
UTI - Unit Linked Insurance Plan (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.
Edelweiss Balanced Advantage Fund (Direct)
UTI - Unit Linked Insurance Plan (Direct)
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.
Edelweiss Balanced Advantage Fund (Direct)
UTI - Unit Linked Insurance Plan (Direct)
Edelweiss Balanced Advantage vs UTI - Unit Linked Insurance Plan: Portfolio Overlap
From each fund's latest monthly portfolio: Edelweiss Balanced Advantage Fund, September 2026; UTI - Unit Linked Insurance Plan, September 2026
Holdings in common
- Overlap
- 17.3%
- Held by both
- 22
- Only in Edelweiss Balanced Advantage
- 105
- Only in UTI - Unit Linked Insurance Plan
- 86
| Security | % of Edelweiss Balanced Advantage | % of UTI - Unit Linked Insurance Plan |
|---|---|---|
| ICICI Bank Ltd. | 4.67% | 2.53% |
| HDFC Bank Ltd. | 4.04% | 2.03% |
| Titan Company Ltd. | 1.48% | 1.72% |
| Bharti Airtel Ltd. | 1.72% | 1.46% |
| Eternal Ltd. | 1.37% | 2.89% |
| Bajaj Finance Ltd. | 1.35% | 2.34% |
| Mahindra & Mahindra Ltd. | 1.32% | 1.04% |
| Kotak Mahindra Bank Ltd. | 0.86% | 1.51% |
| Maruti Suzuki India Ltd. | 0.70% | 0.87% |
| Info Edge (India) Ltd. | 0.57% | 1.55% |
| Persistent Systems Ltd. | 0.52% | 1.45% |
| Trent Ltd. | 0.47% | 0.91% |
| Marico Ltd. | 0.74% | 0.44% |
| Nestle India Ltd. | 0.45% | 0.44% |
| 7.68% NABARD NCD SR 24F RED 30-04-2029 | 0.39% | 0.61% |
| 7.35%BHARTI TELECO SRXXV 15-10-27 | 0.38% | 0.50% |
| Coforge Ltd. | 0.38% | 1.62% |
| Avenue Supermarts Ltd. | 0.37% | 1.19% |
| Divi's Laboratories Ltd. | 0.30% | 0.75% |
| Polycab India Ltd. | 0.10% | 0.77% |
| Torrent Pharmaceuticals Ltd. | 0.08% | 0.60% |
| 6.48% GOVT OF INDIA RED 06-10-2035 | 0.07% | 0.29% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 17.3% means 17.3% 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 Edelweiss Balanced Advantage Fund
| Security | % of fund |
|---|---|
| Reliance Industries Ltd. | 3.63% |
| Larsen & Toubro Ltd. | 3.03% |
| TVS Motor Company Ltd. | 2.77% |
| Infosys Ltd. | 2.57% |
| State Bank of India | 2.33% |
Largest holdings only in UTI - Unit Linked Insurance Plan
| Security | % of fund |
|---|---|
| 07.18% GSEC MAT -24/07/2037 | 8.09% |
| 07.32% GSEC MAT -13/11/2030 | 4.12% |
| 7.24% GSEC MAT- 18/08/2055 | 2.60% |
| NCD MAHINDRA AND MAHINDRA FINANCIAL SERVICES LTD | 2.53% |
| NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED | 2.01% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Edelweiss Balanced Advantage | UTI - Unit Linked Insurance Plan |
|---|---|---|
| Equity | 79.0% | 38.0% |
| Debt | 9.3% | 53.3% |
| Cash and others | 11.7% | 8.7% |
Market cap of stocks
| Market cap | Edelweiss Balanced Advantage | UTI - Unit Linked Insurance Plan |
|---|---|---|
| Large Cap | 58.4% | 23.8% |
| Mid Cap | 13.1% | 10.7% |
| Small Cap | 6.7% | 3.5% |
| Not on AMFI's list | 0.8% | 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 | Edelweiss Balanced Advantage | UTI - Unit Linked Insurance Plan |
|---|---|---|
| Banks | 14.9% | 6.5% |
| IT - Software | 7.2% | 4.0% |
| Retailing | 3.8% | 6.7% |
| Automobiles | 5.7% | 2.8% |
| Finance | 5.5% | 2.6% |
| Consumer Durables | 1.5% | 4.3% |
| Petroleum Products | 3.9% | 0.0% |
| Pharmaceuticals & Biotechnology | 3.7% | 3.4% |
The six largest sectors of each fund's stocks, % of the fund.
Edelweiss Balanced Advantage vs UTI - Unit Linked Insurance Plan: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Edelweiss Balanced Advantage Fund | UTI - Unit Linked Insurance Plan |
|---|---|---|
| Total expense ratio (Direct) | 0.81% | 1.11% |
| Base expense ratio (Direct) | 0.52% | 0.92% |
| Total expense ratio (Regular) | 1.93% | 1.60% |
| Base expense ratio (Regular) | 1.47% | 1.37% |
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 Edelweiss Balanced Advantage with
- Edelweiss Balanced Advantage vs quant Dynamic Asset Allocation
- Edelweiss Balanced Advantage vs Aditya Birla Sun Life Balanced Advantage
- Edelweiss Balanced Advantage vs Baroda BNP Paribas Balanced Advantage
- Edelweiss Balanced Advantage vs Axis Balanced Advantage
- Edelweiss Balanced Advantage vs WhiteOak Capital Balanced Advantage
Compare UTI - Unit Linked Insurance Plan with
- UTI - Unit Linked Insurance Plan vs quant Dynamic Asset Allocation
- UTI - Unit Linked Insurance Plan vs Aditya Birla Sun Life Balanced Advantage
- UTI - Unit Linked Insurance Plan vs Baroda BNP Paribas Balanced Advantage
- UTI - Unit Linked Insurance Plan vs Axis Balanced Advantage
- UTI - Unit Linked Insurance Plan vs WhiteOak Capital Balanced Advantage
Edelweiss Balanced Advantage Fund vs UTI - Unit Linked Insurance Plan: Frequently Asked Questions
What is the difference between Edelweiss Balanced Advantage Fund and UTI - Unit Linked Insurance Plan?
Both are Balanced Advantage funds, run by Edelweiss Mutual Fund and UTI Mutual Fund. Their portfolios overlap 17.3%. Edelweiss Balanced Advantage Fund charges 0.81% a year and UTI - Unit Linked Insurance Plan 1.11%.
Which has given higher returns, Edelweiss Balanced Advantage Fund or UTI - Unit Linked Insurance Plan?
Over 1 year: Edelweiss Balanced Advantage Fund +0.50%, UTI - Unit Linked Insurance Plan −0.53%. Over 3 years: Edelweiss Balanced Advantage Fund +10.56% a year, UTI - Unit Linked Insurance Plan +7.84% a year. Over 5 years: Edelweiss Balanced Advantage Fund +8.93% a year, UTI - Unit Linked Insurance Plan +5.73% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Edelweiss Balanced Advantage Fund or UTI - Unit Linked Insurance Plan?
Edelweiss Balanced Advantage Fund charges less: 0.81% a year against 1.11%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Edelweiss Balanced Advantage Fund and UTI - Unit Linked Insurance Plan overlap?
17.3%. They hold 22 of the same securities, the largest shared ones being ICICIBANK, HDFCBANK, TITAN. From each fund's latest monthly portfolio.
Which is riskier, Edelweiss Balanced Advantage Fund or UTI - Unit Linked Insurance Plan?
On SEBI's riskometer, Edelweiss Balanced Advantage Fund is rated Very High and UTI - Unit Linked Insurance Plan High. Over 3 years, the standard deviation of daily returns was 9.18% and 5.63% a year.
Which is better for SIP, Edelweiss Balanced Advantage Fund or UTI - Unit Linked Insurance Plan?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹7,60,678 in Edelweiss Balanced Advantage Fund (XIRR 8.6% a year) and ₹7,14,591 in UTI - Unit Linked Insurance Plan (XIRR 6.2% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both Edelweiss Balanced Advantage Fund and UTI - Unit Linked Insurance Plan?
Yes. 17.3% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Edelweiss Balanced Advantage Fund and UTI - Unit Linked Insurance Plan?
Edelweiss Balanced Advantage Fund: Bhavesh Jain, Bharat Lahoti, Rahul Dedhia, Kedar Karnik. UTI - Unit Linked Insurance Plan: Anurag Mittal FM 1, Ajay Tyagi FM 2, Kamal Gada FM 3 Mr. Akash Shah 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.