Unifi Dynamic Asset Allocation Fund vs UTI Nifty 500 Index Fund
Direct Plan, Growth option · Data as on 30-10-2026
Unifi Dynamic Asset Allocation Fund is a Balanced Advantage fund and UTI Nifty 500 Index Fund is an Index fund. Unifi Dynamic Asset Allocation Fund charges 1.40% a year and UTI Nifty 500 Index Fund 1.85% (Direct plans). Their portfolios overlap 28.1%: they hold 103 of the same securities.
Unifi Dynamic Asset Allocation Fund
Balanced Advantage
- Expense ratio
- 1.40%
- NAV
- ₹11.39
Which is better, Unifi Dynamic Asset Allocation or UTI Nifty 500 Index? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Unifi Dynamic Asset Allocation costs less: 1.40% a year against 1.85% (Direct plans).
- Unifi Dynamic Asset Allocation fell less in its worst fall since 31-08-2026: −0.2% against −8.6%.
- UTI Nifty 500 Index holds more in large companies: 67.3% of the fund in large caps against 28.6%.
- Unifi Dynamic Asset Allocation is the larger fund: ₹1,478 Cr against ₹102 Cr.
- Their portfolios overlap 28.1%: 103 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 | Unifi Dynamic Asset Allocation Fund | UTI Nifty 500 Index Fund |
|---|---|---|
| Fund house | Unifi Mutual Fund | UTI Mutual Fund |
| Category | Balanced Advantage | Index |
| AUM | ₹1,478 Cr (30-09-2026) | ₹102 Cr (30-09-2026) |
| NAV | ₹11.39 (Direct) | ₹9.31 (Direct) |
| Expense ratio (Direct) | 1.40% | 1.85% |
| Expense ratio (Regular) | 1.99% | 2.56% |
| Riskometer | Moderately High | Very High |
| Benchmark | CRISIL Hybrid 50+50 - Moderate Index | Nifty 500 TRI |
| Launch date | 11-07-2025 | 27-08-2026 |
| Minimum investment | Not available | ₹1,000 |
| Lock in | None | None |
| Fund managers | Saravanan VN, Ramanathan P, Karthik Srinivas | Sharwan Kumar Goyal FM 1, Ayush Jain FM 2, Lokesh Kulthia FM 3 |
| Exit load | Exit Load for units in excess of 20% of the investment,1.5% will be charged for redemption within 12 months. | Nil |
Unifi Dynamic Asset Allocation vs UTI Nifty 500 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 |
|---|---|---|---|---|---|---|---|
| Unifi Dynamic Asset Allocation Fund (Direct) | +0.51% | +1.98% | +4.46% | +8.40% | -- | -- | -- |
| UTI Nifty 500 Index Fund (Direct) | −0.77% | -- | -- | -- | -- | -- | -- |
| Balanced Advantage average | −0.55% | −2.88% | +0.08% | −2.08% | -- | -- | -- |
Category average: the average of the 38 Balanced Advantage funds, same plan type.
Unifi Dynamic Asset Allocation vs UTI Nifty 500 Index: Year-wise Returns
| Year | Unifi Dynamic Asset AllocationUnifi Dynamic Asset Allocation | UTI Nifty 500 IndexUTI Nifty 500 Index |
|---|---|---|
| 2026to date | +6.90% | -- |
Unifi Dynamic Asset Allocation vs UTI Nifty 500 Index: Rolling Returns
Every holding period of both funds, against Nifty 500 TRI, the benchmark of UTI Nifty 500 Index Fund
Unifi Dynamic Asset Allocation vs UTI Nifty 500 Index: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Unifi Dynamic Asset Allocation Fund (Direct) | UTI Nifty 500 Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | +8.36% | −33.99% |
| Standard deviation | 0.83% | 13.15% |
| Sharpe ratio | 3.53 | -2.99 |
| Sortino ratio | 6.35 | -3.45 |
| Maximum drawdown | −0.2% (15-09-2026) | −8.6% (23-10-2026) |
| Beta | -- | 1.00 |
| Alpha | -- | −0.23% |
From daily NAVs, 17-03-2025 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.
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.
Unifi Dynamic Asset Allocation Fund (Direct)
UTI Nifty 500 Index Fund (Direct)
Nifty 500 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Unifi Dynamic Asset Allocation Fund (Direct) | −0.2% | 10-09-2026 | 15-09-2026 | 18-09-2026 | 3 days | 0.0% |
| UTI Nifty 500 Index Fund (Direct) | −8.6% | 31-08-2026 | 23-10-2026 | Not yet | -- | −6.6% |
| Nifty 500 TRI | −8.6% | 31-08-2026 | 23-10-2026 | Not yet | -- | −6.6% |
From daily values since 31-08-2026, the first day every fund has.
Unifi Dynamic Asset Allocation vs UTI Nifty 500 Index: Portfolio Overlap
From each fund's latest monthly portfolio: Unifi Dynamic Asset Allocation Fund, September 2026; UTI Nifty 500 Index Fund, September 2026
Holdings in common
- Overlap
- 28.1%
- Held by both
- 103
- Only in Unifi Dynamic Asset Allocation
- 40
- Only in UTI Nifty 500 Index
- 393
| Security | % of Unifi Dynamic Asset Allocation | % of UTI Nifty 500 Index |
|---|---|---|
| HDFC Bank Limited | 3.22% | 5.67% |
| State Bank of India | 1.85% | 2.07% |
| Axis Bank Limited | 1.73% | 1.84% |
| Bajaj Finance Limited | 1.22% | 1.37% |
| Bharti Airtel Limited | 1.19% | 2.79% |
| ITC Limited | 1.14% | 1.32% |
| Tata Consultancy Services Limited | 1.24% | 1.09% |
| Reliance Industries Limited | 1.05% | 4.14% |
| ICICI Bank Limited | 0.96% | 4.94% |
| Tata Steel Limited | 1.02% | 0.80% |
| Hindustan Unilever Limited | 0.78% | 0.87% |
| Hindalco Industries Limited | 0.97% | 0.71% |
| Mahindra & Mahindra Limited | 0.64% | 1.38% |
| Kotak Mahindra Bank Limited | 0.51% | 1.60% |
| Adani Enterprises Limited | 1.04% | 0.51% |
| JSW Steel Limited | 0.42% | 0.63% |
| Jio Financial Services Limited | 1.04% | 0.37% |
| Maruti Suzuki India Limited | 0.36% | 0.81% |
| Titan Company Limited | 0.36% | 0.99% |
| Cummins India Limited | 0.52% | 0.34% |
| SBI Life Insurance Company Limited | 0.32% | 0.40% |
| Tata Consumer Products Limited | 0.45% | 0.32% |
| Tata Motors Passenger Vehicles Limited | 0.39% | 0.31% |
| Torrent Pharmaceuticals Limited | 0.30% | 0.37% |
| HDFC Life Insurance Company Limited | 0.70% | 0.29% |
| Indus Towers Limited | 0.55% | 0.25% |
| The Tata Power Company Limited | 0.25% | 0.31% |
| Coal India Limited | 0.24% | 0.53% |
| HDFC Asset Management Company Limited | 0.51% | 0.24% |
| Cipla Limited | 0.24% | 0.40% |
| Ashok Leyland Limited | 0.42% | 0.23% |
| Power Finance Corporation Limited | 0.23% | 0.25% |
| The Federal Bank Limited | 0.23% | 0.41% |
| Aurobindo Pharma Limited | 0.22% | 0.24% |
| InterGlobe Aviation Limited | 0.22% | 0.59% |
| Divi's Laboratories Limited | 0.22% | 0.62% |
| Bank of Baroda | 0.37% | 0.22% |
| Yes Bank Limited | 0.64% | 0.19% |
| The Indian Hotels Company Limited | 0.19% | 0.33% |
| Hindustan Aeronautics Limited | 0.18% | 0.46% |
| Glenmark Pharmaceuticals Limited | 0.37% | 0.18% |
| AU Small Finance Bank Limited | 0.18% | 0.31% |
| Adani Energy Solutions Limited | 0.17% | 0.22% |
| UltraTech Cement Limited | 0.16% | 0.68% |
| Tech Mahindra Limited | 0.16% | 0.51% |
| IDFC First Bank Limited | 0.16% | 0.28% |
| Adani Port & Special Economic Zone Limited | 0.16% | 0.74% |
| NTPC Limited | 0.14% | 0.80% |
| Steel Authority of India Limited | 0.28% | 0.14% |
| Larsen & Toubro Limited | 0.14% | 2.30% |
| Varun Beverages Limited | 0.12% | 0.31% |
| Ambuja Cements Limited | 0.19% | 0.12% |
| Bharat Forge Limited | 0.12% | 0.28% |
| GE Vernova T&D India Limited | 0.11% | 0.27% |
| Lupin Limited | 0.11% | 0.26% |
| Multi Commodity Exchange of India Limited | 0.10% | 0.44% |
| Bandhan Bank Limited | 0.22% | 0.09% |
| Life Insurance Corporation Of India | 0.09% | 0.26% |
| Apollo Hospitals Enterprise Limited | 0.09% | 0.44% |
| DLF Limited | 0.09% | 0.23% |
| Bharat Electronics Limited | 0.08% | 0.73% |
| LIC Housing Finance Limited | 0.39% | 0.08% |
| National Aluminium Company Limited | 0.08% | 0.16% |
| Muthoot Finance Limited | 0.08% | 0.15% |
| Crompton Greaves Consumer Electrical Limited | 0.32% | 0.07% |
| Godrej Properties Limited | 0.07% | 0.11% |
| Jindal Steel Limited | 0.07% | 0.22% |
| Eicher Motors Limited | 0.06% | 0.51% |
| Hindustan Zinc Limited | 0.06% | 0.14% |
| Bharat Heavy Electricals Limited | 0.05% | 0.32% |
| Astral Limited | 0.05% | 0.09% |
| Suzlon Energy Limited | 0.05% | 0.25% |
| Canara Bank | 0.05% | 0.21% |
| Bajaj Finserv Limited | 0.05% | 0.53% |
| United Spirits Limited | 0.04% | 0.21% |
| Colgate Palmolive (India) Limited | 0.04% | 0.12% |
| UPL Limited | 0.03% | 0.16% |
| NMDC Limited | 0.03% | 0.14% |
| GMR Airports Limited | 0.03% | 0.17% |
| Inox Wind Limited | 0.08% | 0.03% |
| Max Financial Services Limited | 0.03% | 0.19% |
| Indian Oil Corporation Limited | 0.03% | 0.26% |
| Solar Industries India Limited | 0.03% | 0.25% |
| Nestle India Limited | 0.02% | 0.49% |
| APL Apollo Tubes Limited | 0.02% | 0.21% |
| JSW Energy Limited | 0.02% | 0.16% |
| Central Depository Services (India) Limited | 0.02% | 0.12% |
| Tube Investments of India Limited | 0.02% | 0.13% |
| NBCC (India) Limited | 0.01% | 0.04% |
| Power Grid Corporation of India Limited | 0.01% | 0.62% |
| Shriram Finance Limited | 0.01% | 0.72% |
| Hindustan Petroleum Corporation Limited | 0.01% | 0.18% |
| PG Electroplast Limited | 0.01% | 0.04% |
| Cholamandalam Invest & Finance Co Limited | 0.01% | 0.37% |
| Punjab National Bank | 0.01% | 0.20% |
| Adani Green Energy Limited | 0.01% | 0.22% |
| Info Edge (India) Limited | 0.00% | 0.25% |
| Britannia Industries Limited | 0.00% | 0.30% |
| Bank of Maharashtra | 0.00% | 0.08% |
| SRF Limited | 0.00% | 0.19% |
| Dabur India Limited | 0.00% | 0.12% |
| Voltas Limited | 0.00% | 0.13% |
| Patanjali Foods Limited | 0.00% | 0.07% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 28.1% means 28.1% 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 Unifi Dynamic Asset Allocation Fund
| Security | % of fund |
|---|---|
| 9.45% Vedanta Limited 05-JUN-2028 | 4.11% |
| 9.75% Shrem Infra Invest Pvt Limited 15-MAY-2028 | 3.79% |
| 7.06% GOI - 10-Apr-2028 | 3.76% |
| 5.00% GMR Airports Limited 13-AUG-2028 | 3.26% |
| JSW Kalinga Steel Limited 23-MAR-2029 | 2.82% |
Largest holdings only in UTI Nifty 500 Index Fund
| Security | % of fund |
|---|---|
| EQ - INFOSYS LTD. | 1.83% |
| EQ - ETERNAL LIMITED | 1.21% |
| EQ - SUN PHARMACEUTICALS INDUSTRIES | 1.00% |
| EQ - HCL TECHNOLOGIES LTD. | 0.68% |
| EQ - BSE LTD | 0.66% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Unifi Dynamic Asset Allocation | UTI Nifty 500 Index |
|---|---|---|
| Equity | 36.1% | 99.6% |
| Debt | 52.0% | 0.0% |
| Cash and others | 11.9% | 0.4% |
Market cap of stocks
| Market cap | Unifi Dynamic Asset Allocation | UTI Nifty 500 Index |
|---|---|---|
| Large Cap | 28.6% | 67.3% |
| Mid Cap | 3.6% | 20.9% |
| Small Cap | 3.7% | 11.3% |
| Not on AMFI's list | 0.2% | 0.1% |
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 | Unifi Dynamic Asset Allocation | UTI Nifty 500 Index |
|---|---|---|
| Banks | 10.1% | 19.3% |
| Finance | 3.0% | 6.5% |
| Pharmaceuticals & Biotechnology | 1.5% | 5.8% |
| IT - Software | 1.4% | 5.7% |
| Petroleum Products | 1.1% | 5.0% |
| Automobiles | 1.4% | 4.9% |
| Telecom - Services | 1.7% | 3.5% |
| Diversified FMCG | 1.9% | 2.2% |
| Ferrous Metals | 1.8% | 1.9% |
| Chemicals & Petrochemicals | 1.6% | 1.5% |
The six largest sectors of each fund's stocks, % of the fund.
Unifi Dynamic Asset Allocation vs UTI Nifty 500 Index: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Unifi Dynamic Asset Allocation Fund | UTI Nifty 500 Index Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.40% | 1.85% |
| Base expense ratio (Direct) | 0.79% | 0.13% |
| Total expense ratio (Regular) | 1.99% | 2.56% |
| Base expense ratio (Regular) | 1.29% | 0.73% |
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.
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Each fund against the others of its category
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Unifi Dynamic Asset Allocation Fund vs UTI Nifty 500 Index Fund: Frequently Asked Questions
What is the difference between Unifi Dynamic Asset Allocation Fund and UTI Nifty 500 Index Fund?
Unifi Dynamic Asset Allocation Fund is a Balanced Advantage fund, UTI Nifty 500 Index Fund is an Index fund, run by Unifi Mutual Fund and UTI Mutual Fund. Their portfolios overlap 28.1%. Unifi Dynamic Asset Allocation Fund charges 1.40% a year and UTI Nifty 500 Index Fund 1.85%.
Which has the lower expense ratio, Unifi Dynamic Asset Allocation Fund or UTI Nifty 500 Index Fund?
Unifi Dynamic Asset Allocation Fund charges less: 1.40% a year against 1.85%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Unifi Dynamic Asset Allocation Fund and UTI Nifty 500 Index Fund overlap?
28.1%. They hold 103 of the same securities, the largest shared ones being HDFCBANK, SBIN, AXISBANK. From each fund's latest monthly portfolio.
Which is riskier, Unifi Dynamic Asset Allocation Fund or UTI Nifty 500 Index Fund?
On SEBI's riskometer, Unifi Dynamic Asset Allocation Fund is rated Moderately High and UTI Nifty 500 Index Fund Very High. Over their common history, the standard deviation of daily returns was 0.83% and 13.15% a year.
Can I invest in both Unifi Dynamic Asset Allocation Fund and UTI Nifty 500 Index Fund?
Yes. 28.1% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Unifi Dynamic Asset Allocation Fund and UTI Nifty 500 Index Fund?
Unifi Dynamic Asset Allocation Fund: Saravanan VN, Ramanathan P, Karthik Srinivas. UTI Nifty 500 Index Fund: Sharwan Kumar Goyal FM 1, Ayush Jain FM 2, Lokesh Kulthia 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.