UTI Aggressive Hybrid Fund vs UTI - Equity Savings Fund
Direct Plan, Growth option · Data as on 30-10-2026
UTI Aggressive Hybrid Fund is an Aggressive Hybrid fund and UTI - Equity Savings Fund is an Equity Savings fund. In the 3 years to 30-10-2026, UTI Aggressive Hybrid Fund (Direct) returned 10.1% a year and UTI - Equity Savings Fund (Direct) returned 8.1% a year. UTI Aggressive Hybrid Fund charges 1.33% a year and UTI - Equity Savings Fund 1.04% (Direct plans). Their portfolios overlap 40.3%: they hold 31 of the same securities.
UTI Aggressive Hybrid Fund
Aggressive Hybrid
- 3 year return
- 10.1%
- Expense ratio
- 1.33%
- NAV
- ₹421.18
UTI - Equity Savings Fund
Equity Savings
- 3 year return
- 8.1%
- Expense ratio
- 1.04%
- NAV
- ₹20.08
Which is better, UTI Aggressive Hybrid or UTI - Equity Savings? 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 8.3%.
- UTI Aggressive Hybrid returned more over 3 years: 10.1% a year against 8.1%.
- UTI - Equity Savings costs less: 1.04% a year against 1.33% (Direct plans).
- UTI - Equity Savings swung less over 3 years: a standard deviation of 4.4% a year against 9.9%.
- UTI - Equity Savings fell less in its worst fall since 31-08-2018: −13.8% against −31.5%.
- UTI - Equity Savings holds more in large companies: 62.0% of the fund in large caps against 46.1%.
- UTI Aggressive Hybrid is the larger fund: ₹6,475 Cr against ₹804 Cr.
- Their portfolios overlap 40.3%: 31 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 - Equity Savings Fund |
|---|---|---|
| Fund house | UTI Mutual Fund | UTI Mutual Fund |
| Category | Aggressive Hybrid | Equity Savings |
| AUM | ₹6,475 Cr (30-09-2026) | ₹804 Cr (30-09-2026) |
| NAV | ₹421.18 (Direct) | ₹20.08 (Direct) |
| Expense ratio (Direct) | 1.33% | 1.04% |
| Expense ratio (Regular) | 1.90% | 2.06% |
| Riskometer | Very High | Moderately High |
| Benchmark | CRISIL Hybrid 35+65 - Aggressive Index | CRISIL Equity Savings Index |
| Launch date | 02-01-1995 | 30-08-2018 |
| 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-Quarterly Reinvestment of IDCW- Rs.5000, Regular Plan-Quarterly Payout of IDCW- Rs.5000, Direct Plan-Quarterly Reinvestment of IDCW- Rs.5000, Direct Plan-Quarterly Payout of IDCW- Rs.5000, Regular Plan-Monthly Reinvestment of IDCW- Rs.5000, R |
| Lock in | None | None |
| Fund managers | V Srivatsa FM 1, Jaydeep Bhowal FM 2, Not Applicable FM 3 | Anurag Mittal FM 1, V Srivatsa 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 of 1%, if redeemed within 30 days. |
UTI Aggressive Hybrid vs UTI - Equity Savings: 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 - Equity Savings Fund (Direct) | +0.33% | −1.35% | +0.15% | +0.72% | +8.11% | +8.28% | -- |
| Aggressive Hybrid average | −0.88% | −3.67% | −0.27% | −3.33% | +10.77% | +9.35% | +11.60% |
| Equity Savings average | −0.02% | −0.68% | +1.71% | +2.12% | +8.55% | +7.55% | -- |
Category average: the average of the 29 Aggressive Hybrid funds and the 23 Equity Savings funds, same plan type.
UTI Aggressive Hybrid vs UTI - Equity Savings: Year-wise Returns
| Year | Aggressive HybridUTI Aggressive Hybrid | - Equity SavingsUTI - Equity Savings |
|---|---|---|
| 2026to date | −6.91% | −1.18% |
| 2025 | +7.11% | +9.55% |
| 2024 | +20.45% | +10.14% |
| 2023 | +26.24% | +16.68% |
| 2022 | +6.29% | +7.21% |
| 2021 | +31.32% | +14.98% |
UTI Aggressive Hybrid vs UTI - Equity Savings: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 1,272 of them, one for each trading day from 31-08-2021 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 - Equity Savings Fund (Direct)
to
Jan 2022Dec 2019
to
Dec 2022Nov 2020
to
Nov 2023Sept 2021
to
Sept 2024Aug 2022
to
Aug 2025Jun 2023
to
Jun 2026
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 | 0.0 | 0.0 | 1.6 | 18.6 | 59.7 | 16.7 | 3.5 | 17.6% | 17.3% | 8.9% | 29.8% |
| UTI - Equity Savings | 0.0 | 0.0 | 15.5 | 82.9 | 1.7 | 0.0 | 0.0 | 11.5% | 11.4% | 7.5% | 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 31-08-2018. Past returns do not promise future returns.
UTI Aggressive Hybrid vs UTI - Equity Savings: 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 01-08-2018 to 30-10-2026: 99 instalments, ₹9,90,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| UTI Aggressive HybridUTI Aggressive Hybrid Fund (Direct) | ₹9,90,000 | ₹16,55,061 | ₹6,65,061 | 12.1% |
| UTI - Equity SavingsUTI - Equity Savings Fund (Direct) | ₹9,90,000 | ₹14,51,351 | ₹4,61,351 | 9.1% |
UTI Aggressive HybridUTI Aggressive Hybrid Fund (Direct)
UTI - Equity SavingsUTI - Equity Savings 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 - Equity Savings: 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 - Equity Savings Fund (Direct) |
|---|---|---|
| Return (CAGR) | −5.10% | +0.72% |
| Standard deviation | 10.03% | 5.20% |
| Sharpe ratio | -1.03 | -0.87 |
| Sortino ratio | -1.38 | -1.16 |
| Maximum drawdown | −10.7% (30-03-2026) | −4.9% (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 - Equity Savings Fund (Direct) |
|---|---|---|
| Return (CAGR) | +10.06% | +8.11% |
| Standard deviation | 9.86% | 4.43% |
| Sharpe ratio | 0.41 | 0.47 |
| Sortino ratio | 0.56 | 0.67 |
| Maximum drawdown | −12.0% (03-03-2025) | −4.9% (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 - Equity Savings Fund (Direct) |
|---|---|---|
| Return (CAGR) | +9.71% | +8.28% |
| Standard deviation | 10.10% | 4.78% |
| Sharpe ratio | 0.39 | 0.52 |
| Sortino ratio | 0.53 | 0.73 |
| Maximum drawdown | −12.1% (20-06-2022) | −5.1% (20-06-2022) |
| 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 - Equity Savings Fund (Direct) |
|---|---|---|
| Return (CAGR) | +11.95% | +8.90% |
| Standard deviation | 11.40% | 5.72% |
| Sharpe ratio | 0.52 | 0.64 |
| Sortino ratio | 0.69 | 0.87 |
| Maximum drawdown | −32.4% (23-03-2020) | −13.8% (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 - Equity Savings 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) | −31.5% | 31-08-2018 | 23-03-2020 | 10-11-2020 | 8 months | −7.5% |
| UTI - Equity Savings Fund (Direct) | −13.8% | 24-01-2020 | 23-03-2020 | 10-08-2020 | 5 months | −2.4% |
From daily values since 31-08-2018, 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 - Equity Savings 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 - Equity Savings 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 - Equity Savings Fund (Direct)
UTI Aggressive Hybrid vs UTI - Equity Savings: Portfolio Overlap
From each fund's latest monthly portfolio: UTI Aggressive Hybrid Fund, September 2026; UTI - Equity Savings Fund, September 2026
Holdings in common
- Overlap
- 40.3%
- Held by both
- 31
- Only in UTI Aggressive Hybrid
- 87
- Only in UTI - Equity Savings
- 22
| Security | % of UTI Aggressive Hybrid | % of UTI - Equity Savings |
|---|---|---|
| EQ - HDFC BANK LIMITED | 6.02% | 4.65% |
| EQ - ICICI BANK LTD | 5.42% | 3.17% |
| EQ - STATE BANK OF INDIA | 2.90% | 3.27% |
| EQ - RELIANCE INDUSTRIES LTD. | 3.93% | 2.83% |
| EQ - LARSEN & TOUBRO LTD. | 3.02% | 2.35% |
| EQ - BHARTI AIRTEL LTD. | 2.21% | 3.33% |
| EQ - MAHINDRA & MAHINDRA LTD. | 1.46% | 3.81% |
| EQ - ITC LTD. | 2.59% | 1.38% |
| INVIT - IRB INVIT FUND | 1.16% | 2.73% |
| EQ - AUROBINDO PHARMA LTD. | 1.20% | 1.07% |
| INVIT - INDUS INFRA TRUST | 1.05% | 1.75% |
| EQ - INFOSYS LTD. | 3.55% | 1.04% |
| EQ - SHRIRAM FINANCE LTD | 1.61% | 1.03% |
| EQ - INTERGLOBE AVIATION LTD | 1.13% | 1.02% |
| EQ - VEDANTA ALUMINIUM METAL LTD. | 1.26% | 1.01% |
| EQ - GRASIM INDUSTRIES LTD. | 0.91% | 3.43% |
| EQ - COAL INDIA LTD. | 1.22% | 0.90% |
| EQ - INDUS TOWERS LIMITED | 0.89% | 1.27% |
| EQ - OIL & NATURAL GAS CORPORATION | 1.20% | 0.85% |
| EQ - POWER GRID CORPORATION OF INDI | 1.75% | 0.83% |
| EQ - HERO MOTOCORP LTD. | 1.45% | 0.82% |
| REIT- NEXUS SELECT TRUST | 0.88% | 0.82% |
| EQ - TATA POWER COMPANY LTD. | 0.98% | 0.81% |
| EQ - LIC OF INDIA | 1.39% | 0.80% |
| EQ - HCL TECHNOLOGIES LTD. | 0.83% | 0.79% |
| REIT- KNOWLEDGE REALTY TRUST REIT | 0.77% | 0.99% |
| EQ - INDUSIND BANK | 0.71% | 0.99% |
| EQ - TATA MOTORS LTD | 0.65% | 0.68% |
| EQ - DR REDDYS LABORATORIES LTD. | 0.85% | 0.54% |
| EQ - WIPRO LIMITED | 1.14% | 0.52% |
| EQ - NATIONAL STOCK EXCHANGE OF INDIA LIMITED | 0.31% | 0.35% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40.3% means 40.3% 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 UTI Aggressive Hybrid Fund
| Security | % of fund |
|---|---|
| 6.90% GSEC MAT - 15/04/2065 | 2.45% |
| 7.24% GSEC MAT- 18/08/2055 | 2.37% |
| EQ - INFO-EDGE (INDIA) LTD. | 1.29% |
| EQ - VRL LOGISTICS LTD | 0.89% |
| EQ - GENERAL INSURANCE CORPORATION | 0.83% |
Largest holdings only in UTI - Equity Savings Fund
| Security | % of fund |
|---|---|
| 07.32% GSEC MAT -13/11/2030 | 8.21% |
| 7.04% GSEC MAT- 03/06/2029 | 5.85% |
| EQ - AXIS BANK LTD. | 5.13% |
| EQ - KOTAK MAHINDRA BANK LTD. | 3.65% |
| 7.06% GS MAT - 10/04/2028 | 2.51% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | UTI Aggressive Hybrid | UTI - Equity Savings |
|---|---|---|
| Equity | 70.0% | 66.0% |
| Debt | 22.2% | 16.6% |
| Cash and others | 7.9% | 17.4% |
Market cap of stocks
| Market cap | UTI Aggressive Hybrid | UTI - Equity Savings |
|---|---|---|
| Large Cap | 46.1% | 62.0% |
| Mid Cap | 12.7% | 3.7% |
| Small Cap | 10.9% | 0.0% |
| 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 - Equity Savings |
|---|---|---|
| Banks | 15.6% | 20.9% |
| Automobiles | 2.9% | 7.5% |
| IT - Software | 5.5% | 3.4% |
| Pharmaceuticals & Biotechnology | 4.8% | 2.3% |
| Telecom - Services | 3.1% | 4.6% |
| Finance | 3.2% | 4.2% |
| Petroleum Products | 3.9% | 2.8% |
| Construction | 3.8% | 2.4% |
| Cement & Cement Products | 0.9% | 3.4% |
The six largest sectors of each fund's stocks, % of the fund.
UTI Aggressive Hybrid vs UTI - Equity Savings: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | UTI Aggressive Hybrid Fund | UTI - Equity Savings Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.33% | 1.04% |
| Base expense ratio (Direct) | 1.03% | 0.62% |
| Total expense ratio (Regular) | 1.90% | 2.06% |
| Base expense ratio (Regular) | 1.54% | 1.52% |
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
UTI Aggressive Hybrid Fund vs UTI - Equity Savings Fund: Frequently Asked Questions
What is the difference between UTI Aggressive Hybrid Fund and UTI - Equity Savings Fund?
UTI Aggressive Hybrid Fund is an Aggressive Hybrid fund, UTI - Equity Savings Fund is an Equity Savings fund, run by UTI Mutual Fund. Their portfolios overlap 40.3%. UTI Aggressive Hybrid Fund charges 1.33% a year and UTI - Equity Savings Fund 1.04%.
Which has given higher returns, UTI Aggressive Hybrid Fund or UTI - Equity Savings Fund?
Over 1 year: UTI Aggressive Hybrid Fund −5.10%, UTI - Equity Savings Fund +0.72%. Over 3 years: UTI Aggressive Hybrid Fund +10.06% a year, UTI - Equity Savings Fund +8.11% a year. Over 5 years: UTI Aggressive Hybrid Fund +9.71% a year, UTI - Equity Savings Fund +8.28% 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 - Equity Savings Fund?
UTI - Equity Savings Fund charges less: 1.04% 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 - Equity Savings Fund overlap?
40.3%. They hold 31 of the same securities, the largest shared ones being HDFCBANK, ICICIBANK, SBIN. From each fund's latest monthly portfolio.
Which is riskier, UTI Aggressive Hybrid Fund or UTI - Equity Savings Fund?
On SEBI's riskometer, UTI Aggressive Hybrid Fund is rated Very High and UTI - Equity Savings Fund Moderately High. Over 3 years, the standard deviation of daily returns was 9.86% and 4.43% a year.
Which is better for SIP, UTI Aggressive Hybrid Fund or UTI - Equity Savings 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 ₹7,37,975 in UTI - Equity Savings Fund (XIRR 7.4% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both UTI Aggressive Hybrid Fund and UTI - Equity Savings Fund?
Yes. 40.3% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages UTI Aggressive Hybrid Fund and UTI - Equity Savings Fund?
UTI Aggressive Hybrid Fund: V Srivatsa FM 1, Jaydeep Bhowal FM 2, Not Applicable FM 3. UTI - Equity Savings Fund: Anurag Mittal FM 1, V Srivatsa 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.