Tata NIFTY 50 Exchange Traded Fund vs UTI Balanced Advantage Fund
Direct Plan where a fund has one, Growth option · Data as on 30-10-2026
Tata NIFTY 50 Exchange Traded Fund is an Index fund and UTI Balanced Advantage Fund is a Balanced Advantage fund. In the 3 years to 30-10-2026, Tata NIFTY 50 Exchange Traded Fund returned 7.5% a year and UTI Balanced Advantage Fund (Direct) returned 8.5% a year. Tata NIFTY 50 Exchange Traded Fund charges 0.09% a year and UTI Balanced Advantage Fund 0.91%. Their portfolios overlap 53.8%: they hold 28 of the same securities.
Tata NIFTY 50 Exchange Traded Fund
Index
- 3 year return
- 7.5%
- Expense ratio
- 0.09%
- NAV
- ₹251.41
UTI Balanced Advantage Fund
Balanced Advantage
- 3 year return
- 8.5%
- Expense ratio
- 0.91%
- NAV
- ₹12.80
Which is better, Tata NIFTY 50 Exchange Traded or UTI Balanced Advantage? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- UTI Balanced Advantage returned more over 3 years: 8.5% a year against 7.5%.
- UTI Balanced Advantage returned more over 1 year: −4.3% against −10.1%.
- Tata NIFTY 50 Exchange Traded costs less: 0.09% a year against 0.91%.
- UTI Balanced Advantage swung less over 3 years: a standard deviation of 7.7% a year against 13.2%.
- UTI Balanced Advantage fell less in its worst fall since 17-08-2023: −10.5% against −15.5%.
- Tata NIFTY 50 Exchange Traded holds more in large companies: 98.6% of the fund in large caps against 57.3%.
- UTI Balanced Advantage is the larger fund: ₹2,856 Cr against ₹674 Cr.
- Their portfolios overlap 53.8%: 28 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 | Tata NIFTY 50 Exchange Traded Fund | UTI Balanced Advantage Fund |
|---|---|---|
| Fund house | Tata Mutual Fund | UTI Mutual Fund |
| Category | Index | Balanced Advantage |
| AUM | ₹674 Cr (30-09-2026) | ₹2,856 Cr (30-09-2026) |
| NAV | ₹251.41 | ₹12.80 (Direct) |
| Expense ratio (Direct) | Not available | 0.91% |
| Expense ratio (Regular) | Not available | 2.01% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty 50 TRI | NIFTY 50 Hybrid Composite Debt 50:50 Index |
| Launch date | 01-01-2019 | 10-08-2023 |
| Minimum investment | Not available | ₹5,000 |
| Lock in | None | None |
| Fund managers | Nitin Sharma, Rakesh Prajapati | "Equity - Mr. Sachin Trivedi, Debt - Mr. Anurag Mittal " |
| Exit load | NIL | Exit load of 1%, if redeemed within 90 days. |
Tata NIFTY 50 Exchange Traded vs UTI Balanced Advantage: 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 |
|---|---|---|---|---|---|---|---|
| Tata NIFTY 50 Exchange Traded Fund | +1.95% | −4.98% | −3.13% | −10.05% | +7.53% | +6.62% | -- |
| UTI Balanced Advantage Fund (Direct) | +1.17% | −2.56% | +0.07% | −4.25% | +8.50% | -- | -- |
| Balanced Advantage average | −0.55% | −2.88% | +0.08% | −2.08% | +9.14% | -- | -- |
Category average: the average of the 38 Balanced Advantage funds, same plan type.
Tata NIFTY 50 Exchange Traded vs UTI Balanced Advantage: Year-wise Returns
| Year | Tata NIFTY 50 Exchange TradedTata NIFTY 50 Exchange Traded | UTI Balanced AdvantageUTI Balanced Advantage |
|---|---|---|
| 2026to date | −10.98% | −5.20% |
| 2025 | +11.85% | +10.20% |
| 2024 | +9.95% | +12.52% |
| 2023 | +21.14% | -- |
| 2022 | +5.68% | -- |
| 2021 | +25.44% | -- |
Tata NIFTY 50 Exchange Traded vs UTI Balanced Advantage: Rolling Returns
Every holding period of both funds, against Nifty 50 TRI, the benchmark of Tata NIFTY 50 Exchange Traded Fund
Rolling returns
Every 3-year holding period, 50 of them, one for each trading day from 17-08-2026 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.
Tata NIFTY 50 Exchange Traded Fund
UTI Balanced Advantage Fund (Direct)
Nifty 50 TRI
to
Aug 2026Sept 2023
to
Sept 2026Sept 2023
to
Sept 2026Sept 2023
to
Sept 2026Oct 2023
to
Oct 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 | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tata NIFTY 50 Exchange Traded | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.1% | 6.9% | 5.3% | 9.2% | 0% |
| UTI Balanced Advantage | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8.5% | 8.3% | 7.3% | 10.0% | 100% |
| Nifty 50 TRI | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.3% | 7.0% | 5.4% | 9.4% | -- |
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 Nifty 50 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 17-08-2023. Past returns do not promise future returns.
Tata NIFTY 50 Exchange Traded vs UTI Balanced Advantage: 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 01-08-2023 to 30-10-2026: 39 instalments, ₹3,90,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Tata NIFTY 50 Exchange TradedTata NIFTY 50 Exchange Traded Fund | ₹3,90,000 | ₹3,93,221 | ₹3,221 | 0.5% |
| UTI Balanced AdvantageUTI Balanced Advantage Fund (Direct) | ₹3,90,000 | ₹4,14,601 | ₹24,601 | 3.7% |
Tata NIFTY 50 Exchange TradedTata NIFTY 50 Exchange Traded Fund
UTI Balanced AdvantageUTI Balanced Advantage 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.
Tata NIFTY 50 Exchange Traded vs UTI Balanced Advantage: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Tata NIFTY 50 Exchange Traded Fund | UTI Balanced Advantage Fund (Direct) |
|---|---|---|
| Return (CAGR) | −10.05% | −4.25% |
| Standard deviation | 13.61% | 8.94% |
| Sharpe ratio | -1.12 | -1.06 |
| Sortino ratio | -1.50 | -1.43 |
| Maximum drawdown | −15.2% (31-03-2026) | −10.5% (30-03-2026) |
| Beta | 1.00 | -- |
| Alpha | −0.07% | -- |
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 | Tata NIFTY 50 Exchange Traded Fund | UTI Balanced Advantage Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.53% | +8.50% |
| Standard deviation | 13.18% | 7.71% |
| Sharpe ratio | 0.11 | 0.32 |
| Sortino ratio | 0.16 | 0.45 |
| Maximum drawdown | −15.5% (04-03-2025) | −10.5% (30-03-2026) |
| Beta | 1.00 | -- |
| Alpha | −0.09% | -- |
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 | Tata NIFTY 50 Exchange Traded Fund | UTI Balanced Advantage Fund (Direct) |
|---|---|---|
| Return (CAGR) | +11.42% | +8.17% |
| Standard deviation | 17.06% | 7.58% |
| Sharpe ratio | 0.36 | 0.28 |
| Sortino ratio | 0.50 | 0.39 |
| Maximum drawdown | −38.4% (23-03-2020) | −10.5% (30-03-2026) |
| Beta | 1.00 | -- |
| Alpha | −0.06% | -- |
From daily NAVs, 02-01-2019 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.
Tata NIFTY 50 Exchange Traded Fund
UTI Balanced Advantage Fund (Direct)
Nifty 50 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Tata NIFTY 50 Exchange Traded Fund | −15.5% | 26-09-2024 | 04-03-2025 | 27-10-2025 | 8 months | −11.7% |
| UTI Balanced Advantage Fund (Direct) | −10.5% | 02-01-2026 | 30-03-2026 | Not yet | -- | −5.7% |
| Nifty 50 TRI | −15.4% | 26-09-2024 | 04-03-2025 | 23-10-2025 | 8 months | −11.6% |
From daily values since 17-08-2023, 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.
Tata NIFTY 50 Exchange Traded Fund
UTI Balanced Advantage Fund (Direct)
Nifty 50 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.
Tata NIFTY 50 Exchange Traded Fund
UTI Balanced Advantage Fund (Direct)
Nifty 50 TRI
Against Nifty 50 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Tata NIFTY 50 Exchange Traded Fund | 100% | 100% | 0.07% |
| UTI Balanced Advantage Fund (Direct) | 73% | 55% | 5.36% |
From month-end values since 17-08-2023. 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.
Tata NIFTY 50 Exchange Traded vs UTI Balanced Advantage: Portfolio Overlap
From each fund's latest monthly portfolio: Tata NIFTY 50 Exchange Traded Fund, September 2026; UTI Balanced Advantage Fund, September 2026
Holdings in common
- Overlap
- 53.8%
- Held by both
- 28
- Only in Tata NIFTY 50 Exchange Traded
- 22
- Only in UTI Balanced Advantage
- 56
| Security | % of Tata NIFTY 50 Exchange Traded | % of UTI Balanced Advantage |
|---|---|---|
| HDFC BANK LTD | 10.48% | 6.71% |
| ICICI BANK LTD | 9.14% | 6.61% |
| RELIANCE INDUSTRIES LTD | 7.74% | 4.29% |
| BHARTI AIRTEL LTD | 5.16% | 3.50% |
| KOTAK MAHINDRA BANK LTD | 2.96% | 3.37% |
| AXIS BANK LTD | 3.40% | 2.91% |
| STATE BANK OF INDIA | 3.83% | 2.73% |
| INFOSYS LTD | 3.37% | 2.73% |
| BAJAJ FINANCE LTD | 2.48% | 2.29% |
| ETERNAL LTD | 2.23% | 2.51% |
| MAHINDRA & MAHINDRA LTD | 2.54% | 2.02% |
| TITAN COMPANY LTD | 1.83% | 1.89% |
| LARSEN & TOUBRO LTD | 4.25% | 1.52% |
| ADANI PORTS AND SPECIAL ECONOMIC ZONE LTD | 1.28% | 1.26% |
| ULTRATECH CEMENT LTD | 1.25% | 1.29% |
| ITC LTD | 2.44% | 1.03% |
| MARUTI SUZUKI INDIA LTD | 1.51% | 1.02% |
| COAL INDIA LTD | 0.98% | 1.05% |
| TATA CONSULTANCY SERVICES LTD | 2.02% | 0.97% |
| JSW STEEL LTD | 1.13% | 0.88% |
| EICHER MOTORS LTD | 0.95% | 0.80% |
| DR REDDYS LABORATORIES LTD | 0.73% | 0.70% |
| SBI LIFE INSURANCE COMPANY LTD | 0.74% | 0.66% |
| NTPC LTD | 1.48% | 0.48% |
| ADANI ENTERPRISES LTD | 0.81% | 0.47% |
| HDFC LIFE INSURANCE CO. LTD | 0.54% | 0.37% |
| ASIAN PAINTS LTD | 1.05% | 0.35% |
| OIL & NATURAL GAS CO. | 0.85% | 0.27% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 53.8% means 53.8% 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 Tata NIFTY 50 Exchange Traded Fund
| Security | % of fund |
|---|---|
| SUN PHARMACEUTICAL INDUSTRIES LTD | 1.86% |
| HINDUSTAN UNILEVER LTD | 1.61% |
| TATA STEEL LTD | 1.47% |
| BHARAT ELECTRONICS LTD | 1.34% |
| SHRIRAM FINANCE LTD | 1.33% |
Largest holdings only in UTI Balanced Advantage Fund
| Security | % of fund |
|---|---|
| 7.06% GS MAT - 10/04/2028 | 3.71% |
| NCD EXPORT IMPORT BANK OF INDIA | 2.07% |
| NCD EXPORT IMPORT BANK OF INDIA | 1.74% |
| CP EXPORT IMPORT BANK OF INDIA | 1.71% |
| CD - SMALL INDST. DEV. BANK OF INDIA - 04/02/2027 | 1.71% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Tata NIFTY 50 Exchange Traded | UTI Balanced Advantage |
|---|---|---|
| Equity | 100.0% | 68.7% |
| Debt | 0.0% | 25.0% |
| Cash and others | 0.0% | 6.3% |
Market cap of stocks
| Market cap | Tata NIFTY 50 Exchange Traded | UTI Balanced Advantage |
|---|---|---|
| Large Cap | 98.6% | 57.3% |
| Mid Cap | 1.4% | 7.3% |
| Small Cap | 0.0% | 3.1% |
| Not on AMFI's list | 0.0% | 1.0% |
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 | Tata NIFTY 50 Exchange Traded | UTI Balanced Advantage |
|---|---|---|
| Banks | 29.8% | 23.1% |
| IT - Software | 8.0% | 5.7% |
| Petroleum Products | 7.7% | 4.3% |
| Automobiles | 6.7% | 4.8% |
| Finance | 5.5% | 2.3% |
| Telecom - Services | 5.2% | 3.5% |
| Consumer Durables | 2.9% | 3.3% |
The six largest sectors of each fund's stocks, % of the fund.
Tata NIFTY 50 Exchange Traded vs UTI Balanced Advantage: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Tata NIFTY 50 Exchange Traded Fund | UTI Balanced Advantage Fund |
|---|---|---|
| Total expense ratio (Direct) | Not available | 0.91% |
| Base expense ratio (Direct) | 0.07% | 0.68% |
| Total expense ratio (Regular) | Not available | 2.01% |
| Base expense ratio (Regular) | 0.00% | 1.68% |
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 UTI Balanced Advantage with
Tata NIFTY 50 Exchange Traded Fund vs UTI Balanced Advantage Fund: Frequently Asked Questions
What is the difference between Tata NIFTY 50 Exchange Traded Fund and UTI Balanced Advantage Fund?
Tata NIFTY 50 Exchange Traded Fund is an Index fund, UTI Balanced Advantage Fund is a Balanced Advantage fund, run by Tata Mutual Fund and UTI Mutual Fund. Their portfolios overlap 53.8%. Tata NIFTY 50 Exchange Traded Fund charges 0.09% a year and UTI Balanced Advantage Fund 0.91%.
Which has given higher returns, Tata NIFTY 50 Exchange Traded Fund or UTI Balanced Advantage Fund?
Over 1 year: Tata NIFTY 50 Exchange Traded Fund −10.05%, UTI Balanced Advantage Fund −4.25%. Over 3 years: Tata NIFTY 50 Exchange Traded Fund +7.53% a year, UTI Balanced Advantage Fund +8.50% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Tata NIFTY 50 Exchange Traded Fund or UTI Balanced Advantage Fund?
Tata NIFTY 50 Exchange Traded Fund charges less: 0.09% a year against 0.91%. These are the total expense ratios reported to AMFI.
How much do Tata NIFTY 50 Exchange Traded Fund and UTI Balanced Advantage Fund overlap?
53.8%. They hold 28 of the same securities, the largest shared ones being HDFCBANK, ICICIBANK, RELIANCE. From each fund's latest monthly portfolio.
Which is riskier, Tata NIFTY 50 Exchange Traded Fund or UTI Balanced Advantage Fund?
On SEBI's riskometer, Tata NIFTY 50 Exchange Traded Fund is rated Very High and UTI Balanced Advantage Fund Very High. Over 3 years, the standard deviation of daily returns was 13.18% and 7.71% a year.
Which is better for SIP, Tata NIFTY 50 Exchange Traded Fund or UTI Balanced Advantage Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹3,68,869 in Tata NIFTY 50 Exchange Traded Fund (XIRR -0.2% a year) and ₹3,89,002 in UTI Balanced Advantage Fund (XIRR 3.2% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both Tata NIFTY 50 Exchange Traded Fund and UTI Balanced Advantage Fund?
Yes. 53.8% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages Tata NIFTY 50 Exchange Traded Fund and UTI Balanced Advantage Fund?
Tata NIFTY 50 Exchange Traded Fund: Nitin Sharma, Rakesh Prajapati. UTI Balanced Advantage Fund: "Equity - Mr. Sachin Trivedi, Debt - Mr. Anurag Mittal ".
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.