SBI Children's Fund - Investment Plan vs UTI Children's Hybrid Fund
Direct Plan, Growth option · Data as on 29-10-2026
SBI Children's Fund - Investment Plan is a Solution fund and UTI Children's Hybrid Fund is a Solution fund. In the 3 years to 29-10-2026, SBI Children's Fund - Investment Plan (Direct) returned 20.3% a year and UTI Children's Hybrid Fund (Direct) returned 6.0% a year. SBI Children's Fund - Investment Plan charges 1.06% a year and UTI Children's Hybrid Fund 1.51% (Direct plans). Their portfolios overlap 6.2%: they hold 6 of the same securities.
SBI Children's Fund - Investment Plan
Solution
- 3 year return
- 20.3%
- Expense ratio
- 1.06%
- NAV
- ₹51.65
UTI Children's Hybrid Fund
Solution
- 3 year return
- 6.0%
- Expense ratio
- 1.51%
- NAV
- ₹40.19
Which is better, SBI Children's Fund - Investment Plan or UTI Children's Hybrid? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- SBI Children's Fund - Investment Plan returned more over 5 years: 17.9% a year against 5.6%.
- SBI Children's Fund - Investment Plan returned more over 3 years: 20.3% a year against 6.0%.
- SBI Children's Fund - Investment Plan costs less: 1.06% a year against 1.51% (Direct plans).
- UTI Children's Hybrid swung less over 3 years: a standard deviation of 5.6% a year against 12.5%.
- UTI Children's Hybrid fell less in its worst fall since 07-10-2020: −7.3% against −15.7%.
- SBI Children's Fund - Investment Plan holds 12.3% of the fund in foreign stocks; UTI Children's Hybrid 0.0%.
- SBI Children's Fund - Investment Plan is the larger fund: ₹7,949 Cr against ₹4,258 Cr.
- Their portfolios overlap 6.2%: 6 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 | SBI Children's Fund - Investment Plan | UTI Children's Hybrid Fund |
|---|---|---|
| Fund house | SBI Mutual Fund | UTI Mutual Fund |
| Category | Solution | Solution |
| AUM | ₹7,949 Cr (30-09-2026) | ₹4,258 Cr (30-09-2026) |
| NAV | ₹51.65 (Direct) | ₹40.19 (Direct) |
| Expense ratio (Direct) | 1.06% | 1.51% |
| Expense ratio (Regular) | 1.99% | 1.62% |
| Riskometer | Very High | Moderately High |
| Benchmark | CRISIL Hybrid 35+65 - Aggressive Index | CRISIL Short Term Debt Hybrid 60+40 Index |
| Launch date | 29-09-2020 | 12-07-1993 |
| Minimum investment | ₹5,000 | Regular Plan-Scholarship- Discontinued, Regular Plan-Growth- Rs.1000, Direct Plan-Scholarship- Discontinued, Direct Plan-Growth- Rs.1000, |
| Lock in | 5 years, or until retirement if earlier | 5 years, or until retirement if earlier |
| Fund managers | Lokesh Mallya, R Srinivasan | Anurag Mittal FM 1, Sachin Trivedi FM 2, Not Applicable FM 3 |
| Exit load | Not available | Nil |
SBI Children's Fund - Investment Plan vs UTI Children's Hybrid: Returns Comparison
Returns as on 29-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| SBI Children's Fund - Investment Plan (Direct) | −3.21% | −3.49% | +4.70% | +6.28% | +20.25% | +17.93% | -- |
| UTI Children's Hybrid Fund (Direct) | −2.33% | −2.67% | −1.36% | −4.00% | +6.02% | +5.59% | +7.03% |
SBI Children's Fund - Investment Plan vs UTI Children's Hybrid: Year-wise Returns
| Year | SBI Children's Fund - Investment PlanSBI Children's Fund - Investment Plan | UTI Children's HybridUTI Children's Hybrid |
|---|---|---|
| 2026to date | +9.10% | −3.83% |
| 2025 | +4.23% | +5.22% |
| 2024 | +40.18% | +10.81% |
| 2023 | +31.47% | +13.61% |
| 2022 | +6.24% | +2.86% |
| 2021 | +80.01% | +15.83% |
SBI Children's Fund - Investment Plan vs UTI Children's Hybrid: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 763 of them, one for each trading day from 09-10-2023 to 29-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
SBI Children's Fund - Investment Plan (Direct)
UTI Children's Hybrid Fund (Direct)
to
Jan 2024Jul 2021
to
Jul 2024Jan 2022
to
Jan 2025Jul 2022
to
Jul 2025Feb 2023
to
Feb 2026Jul 2023
to
Jul 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| SBI Children's Fund - Investment Plan | 0.0 | 0.0 | 0.0 | 0.0 | 4.5 | 52.9 | 42.6 | 26.6% | 24.3% | 18.1% | 44.6% |
| UTI Children's Hybrid | 0.0 | 0.0 | 59.0 | 41.0 | 0.0 | 0.0 | 0.0 | 9.6% | 9.8% | 5.8% | 12.6% |
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 07-10-2020. Past returns do not promise future returns.
SBI Children's Fund - Investment Plan vs UTI Children's Hybrid: 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 07-10-2020 to 29-10-2026: 73 instalments, ₹7,30,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| SBI Children's Fund - Investment PlanSBI Children's Fund - Investment Plan (Direct) | ₹7,30,000 | ₹14,11,787 | ₹6,81,787 | 21.6% |
| UTI Children's HybridUTI Children's Hybrid Fund (Direct) | ₹7,30,000 | ₹8,66,185 | ₹1,36,185 | 5.6% |
SBI Children's Fund - Investment PlanSBI Children's Fund - Investment Plan (Direct)
UTI Children's HybridUTI Children's Hybrid 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.
SBI Children's Fund - Investment Plan vs UTI Children's Hybrid: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | SBI Children's Fund - Investment Plan (Direct) | UTI Children's Hybrid Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.28% | −4.00% |
| Standard deviation | 12.80% | 5.89% |
| Sharpe ratio | 0.08 | -1.57 |
| Sortino ratio | 0.11 | -2.07 |
| Maximum drawdown | −12.9% (30-03-2026) | −7.1% (30-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 29-10-2025 to 29-10-2026. 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 | SBI Children's Fund - Investment Plan (Direct) | UTI Children's Hybrid Fund (Direct) |
|---|---|---|
| Return (CAGR) | +20.25% | +6.02% |
| Standard deviation | 12.53% | 5.59% |
| Sharpe ratio | 1.13 | -0.00 |
| Sortino ratio | 1.58 | -0.00 |
| Maximum drawdown | −15.7% (04-03-2025) | −7.1% (30-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 27-10-2023 to 29-10-2026. 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 | SBI Children's Fund - Investment Plan (Direct) | UTI Children's Hybrid Fund (Direct) |
|---|---|---|
| Return (CAGR) | +17.93% | +5.59% |
| Standard deviation | 12.07% | 5.66% |
| Sharpe ratio | 1.01 | -0.04 |
| Sortino ratio | 1.39 | -0.05 |
| Maximum drawdown | −15.7% (04-03-2025) | −7.3% (17-06-2022) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 29-10-2021 to 29-10-2026. 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 | SBI Children's Fund - Investment Plan (Direct) | UTI Children's Hybrid Fund (Direct) |
|---|---|---|
| Return (CAGR) | +30.90% | +7.50% |
| Standard deviation | 12.55% | 7.22% |
| Sharpe ratio | 2.04 | 0.20 |
| Sortino ratio | 3.03 | 0.25 |
| Maximum drawdown | −15.7% (04-03-2025) | −18.7% (23-03-2020) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 07-10-2020 to 29-10-2026. 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.
SBI Children's Fund - Investment Plan (Direct)
UTI Children's Hybrid Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| SBI Children's Fund - Investment Plan (Direct) | −15.7% | 02-01-2025 | 04-03-2025 | 11-09-2025 | 6 months | −5.5% |
| UTI Children's Hybrid Fund (Direct) | −7.3% | 17-01-2022 | 17-06-2022 | 12-08-2022 | 56 days | −4.4% |
From daily values since 07-10-2020, 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.
SBI Children's Fund - Investment Plan (Direct)
UTI Children's Hybrid 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.
SBI Children's Fund - Investment Plan (Direct)
UTI Children's Hybrid Fund (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.
SBI Children's Fund - Investment Plan (Direct)
UTI Children's Hybrid Fund (Direct)
SBI Children's Fund - Investment Plan vs UTI Children's Hybrid: Portfolio Overlap
From each fund's latest monthly portfolio: SBI Children's Fund - Investment Plan, September 2026; UTI Children's Hybrid Fund, September 2026
Holdings in common
- Overlap
- 6.2%
- Held by both
- 6
- Only in SBI Children's Fund - Investment Plan
- 29
- Only in UTI Children's Hybrid
- 126
| Security | % of SBI Children's Fund - Investment Plan | % of UTI Children's Hybrid |
|---|---|---|
| ICICI Bank Ltd. | 2.49% | 2.76% |
| Bajaj Finance Ltd. | 2.53% | 1.57% |
| Kotak Mahindra Bank Ltd. | 3.67% | 0.82% |
| State Bank of India | 4.35% | 0.66% |
| Jubilant Foodworks Ltd. | 2.87% | 0.55% |
| Adani Enterprises Ltd. | 3.65% | 0.14% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 6.2% means 6.2% 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 SBI Children's Fund - Investment Plan
| Security | % of fund |
|---|---|
| Thangamayil Jewellery Ltd. | 4.46% |
| Hatsun Agro Product Ltd. | 3.83% |
| Aequs Ltd. | 3.52% |
| Sona Blw Precision Forgings Ltd. | 3.45% |
| The Ramco Cements Ltd. | 3.19% |
Largest holdings only in UTI Children's Hybrid Fund
| Security | % of fund |
|---|---|
| 07.32% GSEC MAT -13/11/2030 | 3.94% |
| 7.24% GSEC MAT- 18/08/2055 | 3.34% |
| EQ - HDFC BANK LIMITED | 2.92% |
| 07.18% GSEC MAT -24/07/2037 | 2.69% |
| CP EXPORT IMPORT BANK OF INDIA | 2.32% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | SBI Children's Fund - Investment Plan | UTI Children's Hybrid |
|---|---|---|
| Equity | 86.8% | 36.2% |
| Debt | 0.4% | 48.1% |
| Cash and others | 12.9% | 15.7% |
Market cap of stocks
| Market cap | SBI Children's Fund - Investment Plan | UTI Children's Hybrid |
|---|---|---|
| Large Cap | 19.3% | 26.6% |
| Mid Cap | 3.5% | 6.1% |
| Small Cap | 51.7% | 3.5% |
| Foreign stocks | 12.3% | 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 | SBI Children's Fund - Investment Plan | UTI Children's Hybrid |
|---|---|---|
| Banks | 10.5% | 8.9% |
| Food Products | 7.9% | 0.6% |
| Consumer Durables | 7.0% | 2.5% |
| IT - Services | 5.4% | 0.0% |
| IT - Software | 5.4% | 3.4% |
| Auto Components | 5.3% | 0.5% |
| Finance | 5.3% | 2.1% |
| Telecom - Services | 0.0% | 1.7% |
| Automobiles | 0.0% | 1.7% |
The six largest sectors of each fund's stocks, % of the fund.
SBI Children's Fund - Investment Plan vs UTI Children's Hybrid: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | SBI Children's Fund - Investment Plan | UTI Children's Hybrid Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.06% | 1.51% |
| Base expense ratio (Direct) | 0.72% | 1.27% |
| Total expense ratio (Regular) | 1.99% | 1.62% |
| Base expense ratio (Regular) | 1.53% | 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.
SBI Children's Fund - Investment Plan vs UTI Children's Hybrid Fund: Frequently Asked Questions
What is the difference between SBI Children's Fund - Investment Plan and UTI Children's Hybrid Fund?
SBI Children's Fund - Investment Plan is a Solution fund, UTI Children's Hybrid Fund is a Solution fund, run by SBI Mutual Fund and UTI Mutual Fund. Their portfolios overlap 6.2%. SBI Children's Fund - Investment Plan charges 1.06% a year and UTI Children's Hybrid Fund 1.51%.
Which has given higher returns, SBI Children's Fund - Investment Plan or UTI Children's Hybrid Fund?
Over 1 year: SBI Children's Fund - Investment Plan +6.28%, UTI Children's Hybrid Fund −4.00%. Over 3 years: SBI Children's Fund - Investment Plan +20.25% a year, UTI Children's Hybrid Fund +6.02% a year. Over 5 years: SBI Children's Fund - Investment Plan +17.93% a year, UTI Children's Hybrid Fund +5.59% a year. As on 29-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, SBI Children's Fund - Investment Plan or UTI Children's Hybrid Fund?
SBI Children's Fund - Investment Plan charges less: 1.06% a year against 1.51%. These are the Direct plans' total expense ratios reported to AMFI.
How much do SBI Children's Fund - Investment Plan and UTI Children's Hybrid Fund overlap?
6.2%. They hold 6 of the same securities, the largest shared ones being ICICIBANK, BAJFINANCE, KOTAKBANK. From each fund's latest monthly portfolio.
Which is riskier, SBI Children's Fund - Investment Plan or UTI Children's Hybrid Fund?
On SEBI's riskometer, SBI Children's Fund - Investment Plan is rated Very High and UTI Children's Hybrid Fund Moderately High. Over 3 years, the standard deviation of daily returns was 12.53% and 5.59% a year.
Which is better for SIP, SBI Children's Fund - Investment Plan or UTI Children's Hybrid Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 29-10-2026 grew to ₹9,64,842 in SBI Children's Fund - Investment Plan (XIRR 18.1% a year) and ₹6,86,894 in UTI Children's Hybrid Fund (XIRR 4.7% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both SBI Children's Fund - Investment Plan and UTI Children's Hybrid Fund?
Yes. 6.2% of each fund's money sits in the same holdings, so the two hold mostly different investments.
Who manages SBI Children's Fund - Investment Plan and UTI Children's Hybrid Fund?
SBI Children's Fund - Investment Plan: Lokesh Mallya, R Srinivasan. UTI Children's Hybrid Fund: Anurag Mittal FM 1, Sachin Trivedi 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.