ICICI Prudential Long Term Fund vs UTI Long Term Fund
Direct Plan, Growth option · Data as on 30-10-2026
ICICI Prudential Long Term Fund and UTI Long Term Fund are both Long Duration funds. In the 3 years to 30-10-2026, ICICI Prudential Long Term Fund (Direct) returned 6.1% a year and UTI Long Term Fund (Direct) returned 5.2% a year. ICICI Prudential Long Term Fund charges 0.43% a year and UTI Long Term Fund 0.09% (Direct plans). Their portfolios overlap 16.3%: they hold 3 of the same securities.
ICICI Prudential Long Term Fund
Long Duration
- 3 year return
- 6.1%
- Expense ratio
- 0.43%
- NAV
- ₹99.02
Which is better, ICICI Prudential Long Term or UTI Long Term? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- ICICI Prudential Long Term returned more over 3 years: 6.1% a year against 5.2%.
- UTI Long Term returned more over 1 year: 0.1% against 0.1%.
- UTI Long Term costs less: 0.09% a year against 0.43% (Direct plans).
- ICICI Prudential Long Term swung less over 3 years: a standard deviation of 3.2% a year against 3.9%.
- ICICI Prudential Long Term fell less in its worst fall since 21-03-2023: −4.2% against −5.7%.
- ICICI Prudential Long Term is the larger fund: ₹822 Cr against ₹60 Cr.
- Their portfolios overlap 16.3%: 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 | ICICI Prudential Long Term Fund | UTI Long Term Fund |
|---|---|---|
| Fund house | ICICI Prudential Mutual Fund | UTI Mutual Fund |
| Category | Long Duration | Long Duration |
| AUM | ₹822 Cr (30-09-2026) | ₹60 Cr (30-09-2026) |
| NAV | ₹99.02 (Direct) | ₹12.06 (Direct) |
| Expense ratio (Direct) | 0.43% | 0.09% |
| Expense ratio (Regular) | 0.94% | 1.27% |
| Riskometer | Not available | Moderate |
| Benchmark | CRISIL Long Duration Debt A-III Index | NIFTY Long Duration Debt Index A-III |
| Launch date | 09-07-1998 | 17-03-2023 |
| Minimum investment | ₹5,000 | ₹5,000 |
| Lock in | None | None |
| Fund managers | Manish Banthia, Raunak Surana | Pankaj Pathak FM1 |
| Exit load | Nil | NIL |
ICICI Prudential Long Term vs UTI Long 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 |
|---|---|---|---|---|---|---|---|
| ICICI Prudential Long Term Fund (Direct) | −1.39% | −2.48% | +0.65% | +0.12% | +6.11% | +5.11% | +6.46% |
| UTI Long Term Fund (Direct) | −1.29% | −2.41% | +0.12% | +0.12% | +5.20% | -- | -- |
| Long Duration average | −1.14% | −2.16% | +0.90% | +0.63% | +5.83% | -- | -- |
Category average: the average of the 11 Long Duration funds, same plan type.
ICICI Prudential Long Term vs UTI Long Term: Year-wise Returns
| Year | ICICI PrudentialICICI Prudential Long Term | UTIUTI Long Term |
|---|---|---|
| 2026to date | −0.22% | −0.57% |
| 2025 | +5.65% | +2.77% |
| 2024 | +10.71% | +11.25% |
| 2023 | +7.32% | -- |
| 2022 | +1.86% | -- |
| 2021 | +1.01% | -- |
ICICI Prudential Long Term vs UTI Long Term: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 147 of them, one for each trading day from 23-03-2026 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.
ICICI Prudential Long Term Fund (Direct)
UTI Long Term Fund (Direct)
to
Apr 2026May 2023
to
May 2026Jun 2023
to
Jun 2026Jul 2023
to
Jul 2026Sept 2023
to
Sept 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ICICI Prudential Long Term | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6.6% | 6.6% | 5.7% | 7.5% |
| UTI Long Term | 0.0 | 3.4 | 96.6 | 0.0 | 0.0 | 0.0 | 0.0 | 5.7% | 5.6% | 4.8% | 6.5% |
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 21-03-2023. Past returns do not promise future returns.
ICICI Prudential Long Term vs UTI Long 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 01-03-2023 to 30-10-2026: 44 instalments, ₹4,40,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| ICICI Prudential Long TermICICI Prudential Long Term Fund (Direct) | ₹4,40,000 | ₹4,74,409 | ₹34,409 | 4.1% |
| UTI Long TermUTI Long Term Fund (Direct) | ₹4,40,000 | ₹4,64,450 | ₹24,450 | 2.9% |
ICICI Prudential Long TermICICI Prudential Long Term Fund (Direct)
UTI Long TermUTI Long 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.
ICICI Prudential Long Term vs UTI Long Term: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | ICICI Prudential Long Term Fund (Direct) | UTI Long Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +0.12% | +0.12% |
| Standard deviation | 4.30% | 4.10% |
| Sharpe ratio | -1.19 | -1.25 |
| Sortino ratio | -1.59 | -1.63 |
| Maximum drawdown | −4.2% (27-10-2026) | −4.1% (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 | ICICI Prudential Long Term Fund (Direct) | UTI Long Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.11% | +5.20% |
| Standard deviation | 3.17% | 3.92% |
| Sharpe ratio | 0.03 | -0.21 |
| Sortino ratio | 0.04 | -0.29 |
| Maximum drawdown | −4.2% (27-10-2026) | −5.7% (02-04-2026) |
| 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 | ICICI Prudential Long Term Fund (Direct) | UTI Long Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.50% | +5.28% |
| Standard deviation | 4.39% | 3.82% |
| Sharpe ratio | 0.33 | -0.23 |
| Sortino ratio | 0.46 | -0.31 |
| Maximum drawdown | −12.0% (19-08-2013) | −5.7% (02-04-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 02-01-2013 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.
ICICI Prudential Long Term Fund (Direct)
UTI Long Term Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| ICICI Prudential Long Term Fund (Direct) | −4.2% | 14-08-2026 | 27-10-2026 | Not yet | -- | −3.7% |
| UTI Long Term Fund (Direct) | −5.7% | 16-05-2025 | 02-04-2026 | 12-08-2026 | 4 months | −3.7% |
From daily values since 21-03-2023, 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.
ICICI Prudential Long Term Fund (Direct)
UTI Long 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.
ICICI Prudential Long Term Fund (Direct)
UTI Long Term Fund (Direct)
ICICI Prudential Long Term vs UTI Long Term: Portfolio Overlap
From each fund's latest monthly portfolio: ICICI Prudential Long Term Fund, September 2026; UTI Long Term Fund, September 2026
Holdings in common
- Overlap
- 16.3%
- Held by both
- 3
- Only in ICICI Prudential Long Term
- 16
- Only in UTI Long Term
- 2
| Security | % of ICICI Prudential Long Term | % of UTI Long Term |
|---|---|---|
| Government Securities | 13.55% | 45.07% |
| Government Securities | 2.35% | 31.79% |
| Corporate Debt Market Development Fund (Class A2) | 0.41% | 0.70% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 16.3% means 16.3% 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 ICICI Prudential Long Term Fund
| Security | % of fund |
|---|---|
| Government Securities | 36.66% |
| State Government of Maharashtra | 8.36% |
| State Government of Maharashtra | 5.70% |
| State Government of Maharashtra | 5.58% |
| State Government of Maharashtra | 5.57% |
Largest holdings only in UTI Long Term Fund
| Security | % of fund |
|---|---|
| 7.09% GS MAT - 05/08/2054 | 15.65% |
| 7.23% GSEC MAT- 15/04/2039 | 1.67% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | ICICI Prudential Long Term | UTI Long Term |
|---|---|---|
| Equity | 0.0% | 0.0% |
| Debt | 95.4% | 94.2% |
| Cash and others | 4.6% | 5.8% |
ICICI Prudential Long Term vs UTI Long Term: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | ICICI Prudential Long Term Fund | UTI Long Term Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.43% | 0.09% |
| Base expense ratio (Direct) | 0.37% | 0.07% |
| Total expense ratio (Regular) | 0.94% | 1.27% |
| Base expense ratio (Regular) | 0.81% | 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 ICICI Prudential Long Term with
ICICI Prudential Long Term Fund vs UTI Long Term Fund: Frequently Asked Questions
What is the difference between ICICI Prudential Long Term Fund and UTI Long Term Fund?
Both are Long Duration funds, run by ICICI Prudential Mutual Fund and UTI Mutual Fund. Their portfolios overlap 16.3%. ICICI Prudential Long Term Fund charges 0.43% a year and UTI Long Term Fund 0.09%.
Which has given higher returns, ICICI Prudential Long Term Fund or UTI Long Term Fund?
Over 1 year: ICICI Prudential Long Term Fund +0.12%, UTI Long Term Fund +0.12%. Over 3 years: ICICI Prudential Long Term Fund +6.11% a year, UTI Long Term Fund +5.20% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, ICICI Prudential Long Term Fund or UTI Long Term Fund?
UTI Long Term Fund charges less: 0.09% a year against 0.43%. These are the Direct plans' total expense ratios reported to AMFI.
How much do ICICI Prudential Long Term Fund and UTI Long Term Fund overlap?
16.3%. They hold 3 of the same securities, the largest shared ones being Government Securities, Government Securities, Corporate Debt Market Development Fund (Class A2). From each fund's latest monthly portfolio.
Which is better for SIP, ICICI Prudential Long Term Fund or UTI Long Term Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹3,89,866 in ICICI Prudential Long Term Fund (XIRR 3.3% a year) and ₹3,82,227 in UTI Long Term Fund (XIRR 2.1% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both ICICI Prudential Long Term Fund and UTI Long Term Fund?
Yes. 16.3% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages ICICI Prudential Long Term Fund and UTI Long Term Fund?
ICICI Prudential Long Term Fund: Manish Banthia, Raunak Surana. UTI Long Term Fund: Pankaj Pathak 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.