UTI Aggressive Hybrid Fund vs UTI Conservative Hybrid Fund
Direct Plan, Growth option · Data as on 30-10-2026
UTI Aggressive Hybrid Fund is an Aggressive Hybrid fund and UTI Conservative Hybrid Fund is a Conservative Hybrid fund. In the 3 years to 30-10-2026, UTI Aggressive Hybrid Fund (Direct) returned 10.1% a year and UTI Conservative Hybrid Fund (Direct) returned 7.5% a year. UTI Aggressive Hybrid Fund charges 1.33% a year and UTI Conservative Hybrid Fund 1.25% (Direct plans). Their portfolios overlap 24.0%: they hold 44 of the same securities.
UTI Aggressive Hybrid Fund
Aggressive Hybrid
- 3 year return
- 10.1%
- Expense ratio
- 1.33%
- NAV
- ₹421.18
UTI Conservative Hybrid Fund
Conservative Hybrid
- 3 year return
- 7.5%
- Expense ratio
- 1.25%
- NAV
- ₹75.67
Which is better, UTI Aggressive Hybrid or UTI Conservative Hybrid? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- UTI Aggressive Hybrid returned more over 5 years: 9.7% a year against 6.7%.
- UTI Aggressive Hybrid returned more over 3 years: 10.1% a year against 7.5%.
- UTI Conservative Hybrid costs less: 1.25% a year against 1.33% (Direct plans).
- UTI Conservative Hybrid swung less over 3 years: a standard deviation of 3.9% a year against 9.9%.
- UTI Conservative Hybrid fell less in its worst fall since 02-01-2013: −14.4% against −32.4%.
- UTI Aggressive Hybrid holds more in large companies: 46.1% of the fund in large caps against 15.9%.
- UTI Aggressive Hybrid is the larger fund: ₹6,475 Cr against ₹1,602 Cr.
- Their portfolios overlap 24.0%: 44 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 | UTI Aggressive Hybrid Fund | UTI Conservative Hybrid Fund |
|---|---|---|
| Fund house | UTI Mutual Fund | UTI Mutual Fund |
| Category | Aggressive Hybrid | Conservative Hybrid |
| AUM | ₹6,475 Cr (30-09-2026) | ₹1,602 Cr (30-09-2026) |
| NAV | ₹421.18 (Direct) | ₹75.67 (Direct) |
| Expense ratio (Direct) | 1.33% | 1.25% |
| Expense ratio (Regular) | 1.90% | 1.86% |
| Riskometer | Very High | Moderately High |
| Benchmark | CRISIL Hybrid 35+65 - Aggressive Index | Nifty 50 Hybrid Composite Debt 15:85 Conservative Index |
| Launch date | 02-01-1995 | 16-12-2003 |
| Minimum investment | Regular Plan-Growth- Rs.1000, Regular Plan - Growth-CanServe- Rs.1000, Regular Plan-Reinvestment of IDCW- Rs.5000, Regular Plan-Payout of IDCW- Rs.5000, Regular Plan-Payout of IDCW (Canserve)- Rs.5000, Direct Plan-Growth- Rs.1000, Direct Plan - Growth-Can | Regular Plan-Monthly Payment Plan- Rs.25000, Regular Plan-Monthly Reinvestment of IDCW- Rs.25000, Regular Plan-Monthly Payout of IDCW- Rs.25000, Regular Plan-Growth- Rs.5000, Regular Plan-Flexi Reinvestment of IDCW- Rs.5000, Regular Plan-Flexi Payout of I |
| Lock in | None | None |
| Fund managers | V Srivatsa FM 1, Jaydeep Bhowal FM 2, Not Applicable FM 3 | Amit Premchandani FM 1, Jaydeep Bhowal FM 2, Not Applicable FM 3, Not Applicable FM 4 |
| Exit load | Exit load of 1% if units in excess of 10% are redeemed or switched-out within 12 months | Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 12 months. |
UTI Aggressive Hybrid vs UTI Conservative Hybrid: 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 |
|---|---|---|---|---|---|---|---|
| UTI Aggressive Hybrid Fund (Direct) | −0.75% | −4.93% | −2.34% | −5.10% | +10.06% | +9.71% | +11.13% |
| UTI Conservative Hybrid Fund (Direct) | −0.49% | −2.16% | +0.39% | −0.86% | +7.45% | +6.67% | +7.73% |
| Aggressive Hybrid average | −0.88% | −3.67% | −0.27% | −3.33% | +10.77% | +9.35% | +11.60% |
| Conservative Hybrid average | −0.46% | −1.48% | +0.87% | +1.02% | +7.61% | +7.13% | +7.52% |
Category average: the average of the 29 Aggressive Hybrid funds and the 18 Conservative Hybrid funds, same plan type.
UTI Aggressive Hybrid vs UTI Conservative Hybrid: Year-wise Returns
| Year | AggressiveUTI Aggressive Hybrid | ConservativeUTI Conservative Hybrid |
|---|---|---|
| 2026to date | −6.91% | −1.25% |
| 2025 | +7.11% | +6.72% |
| 2024 | +20.45% | +12.32% |
| 2023 | +26.24% | +11.96% |
| 2022 | +6.29% | +3.91% |
| 2021 | +31.32% | +13.83% |
UTI Aggressive Hybrid vs UTI Conservative Hybrid: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 2,666 of them, one for each trading day from 04-01-2016 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.
UTI Aggressive Hybrid Fund (Direct)
UTI Conservative Hybrid Fund (Direct)
to
Nov 2016Sept 2015
to
Sept 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| UTI Aggressive Hybrid | 3.5 | 6.7 | 12.8 | 30.4 | 36.2 | 8.8 | 1.7 | 13.5% | 14.0% | −6.8% | 29.8% |
| UTI Conservative Hybrid | 0.0 | 6.5 | 51.4 | 40.6 | 1.4 | 0.0 | 0.0 | 9.4% | 9.6% | 0.5% | 16.2% |
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 02-01-2013. Past returns do not promise future returns.
UTI Aggressive Hybrid vs UTI Conservative 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 02-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| UTI Aggressive HybridUTI Aggressive Hybrid Fund (Direct) | ₹16,60,000 | ₹39,77,893 | ₹23,17,893 | 11.8% |
| UTI Conservative HybridUTI Conservative Hybrid Fund (Direct) | ₹16,60,000 | ₹30,12,345 | ₹13,52,345 | 8.2% |
UTI Aggressive HybridUTI Aggressive Hybrid Fund (Direct)
UTI Conservative HybridUTI Conservative 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.
UTI Aggressive Hybrid vs UTI Conservative Hybrid: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | UTI Aggressive Hybrid Fund (Direct) | UTI Conservative Hybrid Fund (Direct) |
|---|---|---|
| Return (CAGR) | −5.10% | −0.86% |
| Standard deviation | 10.03% | 4.25% |
| Sharpe ratio | -1.03 | -1.44 |
| Sortino ratio | -1.38 | -1.90 |
| Maximum drawdown | −10.7% (30-03-2026) | −4.5% (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 | UTI Aggressive Hybrid Fund (Direct) | UTI Conservative Hybrid Fund (Direct) |
|---|---|---|
| Return (CAGR) | +10.06% | +7.45% |
| Standard deviation | 9.86% | 3.86% |
| Sharpe ratio | 0.41 | 0.37 |
| Sortino ratio | 0.56 | 0.51 |
| Maximum drawdown | −12.0% (03-03-2025) | −4.5% (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 | UTI Aggressive Hybrid Fund (Direct) | UTI Conservative Hybrid Fund (Direct) |
|---|---|---|
| Return (CAGR) | +9.71% | +6.67% |
| Standard deviation | 10.10% | 3.81% |
| Sharpe ratio | 0.39 | 0.23 |
| Sortino ratio | 0.53 | 0.31 |
| Maximum drawdown | −12.1% (20-06-2022) | −4.9% (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 | UTI Aggressive Hybrid Fund (Direct) | UTI Conservative Hybrid Fund (Direct) |
|---|---|---|
| Return (CAGR) | +11.95% | +8.94% |
| Standard deviation | 11.40% | 4.49% |
| Sharpe ratio | 0.52 | 0.64 |
| Sortino ratio | 0.69 | 0.86 |
| Maximum drawdown | −32.4% (23-03-2020) | −14.4% (23-03-2020) |
| 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.
UTI Aggressive Hybrid Fund (Direct)
UTI Conservative Hybrid Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| UTI Aggressive Hybrid Fund (Direct) | −32.4% | 23-01-2018 | 23-03-2020 | 11-11-2020 | 8 months | −7.5% |
| UTI Conservative Hybrid Fund (Direct) | −14.4% | 16-01-2020 | 23-03-2020 | 03-09-2020 | 5 months | −2.8% |
From daily values since 02-01-2013, 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.
UTI Aggressive Hybrid Fund (Direct)
UTI Conservative 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.
UTI Aggressive Hybrid Fund (Direct)
UTI Conservative 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.
UTI Aggressive Hybrid Fund (Direct)
UTI Conservative Hybrid Fund (Direct)
UTI Aggressive Hybrid vs UTI Conservative Hybrid: Portfolio Overlap
From each fund's latest monthly portfolio: UTI Aggressive Hybrid Fund, September 2026; UTI Conservative Hybrid Fund, September 2026
Holdings in common
- Overlap
- 24.0%
- Held by both
- 44
- Only in UTI Aggressive Hybrid
- 74
- Only in UTI Conservative Hybrid
- 58
| Security | % of UTI Aggressive Hybrid | % of UTI Conservative Hybrid |
|---|---|---|
| 6.90% GSEC MAT - 15/04/2065 | 2.45% | 7.01% |
| 7.24% GSEC MAT- 18/08/2055 | 2.37% | 3.87% |
| EQ - HDFC BANK LIMITED | 6.02% | 1.95% |
| EQ - ICICI BANK LTD | 5.42% | 1.53% |
| EQ - BHARTI AIRTEL LTD. | 2.21% | 1.01% |
| EQ - INFOSYS LTD. | 3.55% | 0.79% |
| EQ - STATE BANK OF INDIA | 2.90% | 0.78% |
| NCD MUTHOOT FINANCE LTD | 0.77% | 1.56% |
| NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT | 0.76% | 1.54% |
| NCD KOTAK MAHINDRA PRIME LTD. | 0.76% | 1.54% |
| EQ - MAHINDRA & MAHINDRA LTD. | 1.46% | 0.72% |
| NCD REC LTD | 0.72% | 1.45% |
| EQ - RELIANCE INDUSTRIES LTD. | 3.93% | 0.59% |
| EQ - POWER GRID CORPORATION OF INDI | 1.75% | 0.46% |
| EQ - PHOENIX MILLS LTD | 0.71% | 0.45% |
| EQ - INDUSIND BANK | 0.71% | 0.39% |
| NCD CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED | 0.39% | 1.56% |
| NCD MUTHOOT FINANCE LTD | 0.39% | 1.56% |
| 06.94% GSEC Mat- 11/05/2036 | 0.38% | 2.15% |
| NCD REC LTD | 0.38% | 3.10% |
| NCD REC LTD | 0.38% | 1.53% |
| NCD BAJAJ HOUSING FINANCE LTD | 0.38% | 1.54% |
| NCD EXPORT IMPORT BANK OF INDIA | 0.38% | 1.53% |
| NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA | 0.38% | 1.55% |
| EQ - LARSEN & TOUBRO LTD. | 3.02% | 0.36% |
| NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA | 0.35% | 1.53% |
| EQ - INFO-EDGE (INDIA) LTD. | 1.29% | 0.34% |
| EQ - COAL INDIA LTD. | 1.22% | 0.33% |
| EQ - CROMPTON GREAVES CONSUMER ELEC | 0.73% | 0.33% |
| EQ - ITC LTD. | 2.59% | 0.25% |
| EQ - OIL & NATURAL GAS CORPORATION | 1.20% | 0.25% |
| EQ - NATIONAL STOCK EXCHANGE OF INDIA LIMITED | 0.31% | 0.25% |
| EQ - GREAT EASTERN SHIPPING CO. LTD | 0.60% | 0.24% |
| 07.71% GSEC Mat- 18/05/2066 | 0.23% | 0.94% |
| NCD TORRENT PHARMACEUTICALS LTD. | 0.23% | 1.11% |
| NCD NATIONAL HIGHWAYS AUTHORITY OF INDIA | 0.23% | 0.63% |
| EQ - JK PAPER LTD. | 0.61% | 0.22% |
| EQ - HERO MOTOCORP LTD. | 1.45% | 0.20% |
| 06.48% GSEC Mat- 06/10/2035 | 0.75% | 0.19% |
| EQ - EMAMI LTD. | 0.58% | 0.19% |
| EQ - DR REDDYS LABORATORIES LTD. | 0.85% | 0.16% |
| MF UNITS Nifty 5 yr Benchmark G-Sec ETF ETF | 0.04% | 0.12% |
| MF UNITS Nifty 10 yr Benchmark G-Sec ETF ETF | 0.04% | 0.12% |
| 7.72% WESTBENGAL SGS Mat - 11/03/2044 | 0.01% | 0.02% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 24.0% means 24.0% 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 UTI Aggressive Hybrid Fund
| Security | % of fund |
|---|---|
| EQ - SHRIRAM FINANCE LTD | 1.61% |
| EQ - LIC OF INDIA | 1.39% |
| EQ - VEDANTA ALUMINIUM METAL LTD. | 1.26% |
| EQ - AUROBINDO PHARMA LTD. | 1.20% |
| INVIT - IRB INVIT FUND | 1.16% |
Largest holdings only in UTI Conservative Hybrid Fund
| Security | % of fund |
|---|---|
| NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT | 4.61% |
| NCD LIC HOUSING FINANCE LTD. | 3.08% |
| NCD JIO CREDIT LTD | 3.06% |
| 07.80% XIRR PTC- SIDDHIVINAYAK SECURITISATION TRUST-28/09/2030 | 2.98% |
| 7.34% GSEC MAT- 22/04/2064 | 2.97% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | UTI Aggressive Hybrid | UTI Conservative Hybrid |
|---|---|---|
| Equity | 70.0% | 24.1% |
| Debt | 22.2% | 66.1% |
| Cash and others | 7.9% | 9.8% |
Market cap of stocks
| Market cap | UTI Aggressive Hybrid | UTI Conservative Hybrid |
|---|---|---|
| Large Cap | 46.1% | 15.9% |
| Mid Cap | 12.7% | 4.4% |
| Small Cap | 10.9% | 3.6% |
| Not on AMFI's list | 0.3% | 0.3% |
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 | UTI Aggressive Hybrid | UTI Conservative Hybrid |
|---|---|---|
| Banks | 15.6% | 6.8% |
| IT - Software | 5.5% | 2.0% |
| Pharmaceuticals & Biotechnology | 4.8% | 1.6% |
| Petroleum Products | 3.9% | 0.6% |
| Construction | 3.8% | 0.4% |
| Finance | 3.2% | 0.4% |
| Telecom - Services | 3.1% | 1.0% |
| Automobiles | 2.9% | 1.9% |
| Realty | 0.7% | 1.1% |
The six largest sectors of each fund's stocks, % of the fund.
UTI Aggressive Hybrid vs UTI Conservative Hybrid: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | UTI Aggressive Hybrid Fund | UTI Conservative Hybrid Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.33% | 1.25% |
| Base expense ratio (Direct) | 1.03% | 1.04% |
| Total expense ratio (Regular) | 1.90% | 1.86% |
| Base expense ratio (Regular) | 1.54% | 1.58% |
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 Aggressive Hybrid with
Compare UTI Conservative Hybrid with
- UTI Conservative Hybrid vs Parag Parikh Conservative Hybrid
- UTI Conservative Hybrid vs HSBC Conservative Hybrid
- UTI Conservative Hybrid vs ICICI Prudential Conservative Hybrid
- UTI Conservative Hybrid vs Nippon India Conservative Hybrid
- UTI Conservative Hybrid vs Aditya Birla Sun Life Conservative Hybrid
UTI Aggressive Hybrid Fund vs UTI Conservative Hybrid Fund: Frequently Asked Questions
What is the difference between UTI Aggressive Hybrid Fund and UTI Conservative Hybrid Fund?
UTI Aggressive Hybrid Fund is an Aggressive Hybrid fund, UTI Conservative Hybrid Fund is a Conservative Hybrid fund, run by UTI Mutual Fund. Their portfolios overlap 24.0%. UTI Aggressive Hybrid Fund charges 1.33% a year and UTI Conservative Hybrid Fund 1.25%.
Which has given higher returns, UTI Aggressive Hybrid Fund or UTI Conservative Hybrid Fund?
Over 1 year: UTI Aggressive Hybrid Fund −5.10%, UTI Conservative Hybrid Fund −0.86%. Over 3 years: UTI Aggressive Hybrid Fund +10.06% a year, UTI Conservative Hybrid Fund +7.45% a year. Over 5 years: UTI Aggressive Hybrid Fund +9.71% a year, UTI Conservative Hybrid Fund +6.67% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, UTI Aggressive Hybrid Fund or UTI Conservative Hybrid Fund?
UTI Conservative Hybrid Fund charges less: 1.25% a year against 1.33%. These are the Direct plans' total expense ratios reported to AMFI.
How much do UTI Aggressive Hybrid Fund and UTI Conservative Hybrid Fund overlap?
24.0%. They hold 44 of the same securities, the largest shared ones being 6.90% GSEC MAT - 15/04/2065, 7.24% GSEC MAT- 18/08/2055, HDFCBANK. From each fund's latest monthly portfolio.
Which is riskier, UTI Aggressive Hybrid Fund or UTI Conservative Hybrid Fund?
On SEBI's riskometer, UTI Aggressive Hybrid Fund is rated Very High and UTI Conservative Hybrid Fund Moderately High. Over 3 years, the standard deviation of daily returns was 9.86% and 3.86% a year.
Which is better for SIP, UTI Aggressive Hybrid Fund or UTI Conservative Hybrid Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹7,53,915 in UTI Aggressive Hybrid Fund (XIRR 8.3% a year) and ₹7,14,241 in UTI Conservative Hybrid Fund (XIRR 6.2% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both UTI Aggressive Hybrid Fund and UTI Conservative Hybrid Fund?
Yes. 24.0% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages UTI Aggressive Hybrid Fund and UTI Conservative Hybrid Fund?
UTI Aggressive Hybrid Fund: V Srivatsa FM 1, Jaydeep Bhowal FM 2, Not Applicable FM 3. UTI Conservative Hybrid Fund: Amit Premchandani FM 1, Jaydeep Bhowal FM 2, Not Applicable FM 3, Not Applicable 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.