UTI Balanced Advantage Fund vs UTI Children's Equity Fund
Direct Plan, Growth option · Data as on 30-10-2026
UTI Balanced Advantage Fund is a Balanced Advantage fund and UTI Children's Equity Fund is a Solution fund. In the 3 years to 30-10-2026, UTI Balanced Advantage Fund (Direct) returned 8.5% a year and UTI Children's Equity Fund (Direct) returned 7.4% a year. UTI Balanced Advantage Fund charges 0.91% a year and UTI Children's Equity Fund 1.39% (Direct plans). Their portfolios overlap 55.0%: they hold 37 of the same securities.
UTI Balanced Advantage Fund
Balanced Advantage
- 3 year return
- 8.5%
- Expense ratio
- 0.91%
- NAV
- ₹12.80
UTI Children's Equity Fund
Solution
- 3 year return
- 7.4%
- Expense ratio
- 1.39%
- NAV
- ₹86.57
Which is better, UTI Balanced Advantage or UTI Children's Equity? 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 7.4%.
- UTI Balanced Advantage returned more over 1 year: −4.3% against −10.1%.
- UTI Balanced Advantage costs less: 0.91% a year against 1.39% (Direct plans).
- UTI Balanced Advantage swung less over 3 years: a standard deviation of 7.7% a year against 12.7%.
- UTI Balanced Advantage fell less in its worst fall since 17-08-2023: −10.5% against −18.7%.
- UTI Children's Equity holds more in large companies: 70.3% of the fund in large caps against 57.3%.
- UTI Balanced Advantage is the larger fund: ₹2,856 Cr against ₹1,063 Cr.
- Their portfolios overlap 55.0%: 37 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 Balanced Advantage Fund | UTI Children's Equity Fund |
|---|---|---|
| Fund house | UTI Mutual Fund | UTI Mutual Fund |
| Category | Balanced Advantage | Solution |
| AUM | ₹2,856 Cr (30-09-2026) | ₹1,063 Cr (30-09-2026) |
| NAV | ₹12.80 (Direct) | ₹86.57 (Direct) |
| Expense ratio (Direct) | 0.91% | 1.39% |
| Expense ratio (Regular) | 2.01% | 2.26% |
| Riskometer | Very High | Very High |
| Benchmark | NIFTY 50 Hybrid Composite Debt 50:50 Index | Nifty 500 TRI |
| Launch date | 10-08-2023 | 30-01-2008 |
| Minimum investment | ₹5,000 | Regular Plan-Scholarship- Discontinued, Regular Plan-Growth- Rs.1000, Regular Plan-Reinvestment of IDCW- Rs.1000, Regular Plan-Payout of IDCW- Rs.1000, Direct Plan-Scholarship- Discontinued, Direct Plan-Growth- Rs.1000, Direct Plan-Reinvestment of IDCW- R |
| Lock in | None | 5 years, or until retirement if earlier |
| Fund managers | "Equity - Mr. Sachin Trivedi, Debt - Mr. Anurag Mittal " | Sachin Trivedi FM 1, Not Applicable FM 2, Not Applicable FM 3, Not Applicable FM 4 |
| Exit load | Exit load of 1%, if redeemed within 90 days. | Nil |
UTI Balanced Advantage vs UTI Children's Equity: 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 Balanced Advantage Fund (Direct) | +1.17% | −2.56% | +0.07% | −4.25% | +8.50% | -- | -- |
| UTI Children's Equity Fund (Direct) | +0.62% | −5.92% | −2.53% | −10.13% | +7.37% | +5.77% | +11.16% |
| 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.
UTI Balanced Advantage vs UTI Children's Equity: Year-wise Returns
| Year | Balanced AdvantageUTI Balanced Advantage | Children's EquityUTI Children's Equity |
|---|---|---|
| 2026to date | −5.20% | −9.61% |
| 2025 | +10.20% | +4.74% |
| 2024 | +12.52% | +14.75% |
| 2023 | -- | +25.00% |
| 2022 | -- | −2.94% |
| 2021 | -- | +34.10% |
UTI Balanced Advantage vs UTI Children's Equity: Rolling Returns
Every holding period of both funds, against Nifty 500 TRI, the benchmark of UTI Children's Equity 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.
UTI Balanced Advantage Fund (Direct)
UTI Children's Equity Fund (Direct)
Nifty 500 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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% | 0% |
| UTI Children's Equity | 0.0 | 0.0 | 94.0 | 6.0 | 0.0 | 0.0 | 0.0 | 7.5% | 7.0% | 5.6% | 10.2% | 0% |
| Nifty 500 TRI | 0.0 | 0.0 | 38.0 | 62.0 | 0.0 | 0.0 | 0.0 | 10.7% | 10.3% | 8.8% | 13.0% | -- |
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 500 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.
UTI Balanced Advantage vs UTI Children's Equity: 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 17-08-2023 to 30-10-2026: 39 instalments, ₹3,90,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| UTI Balanced AdvantageUTI Balanced Advantage Fund (Direct) | ₹3,90,000 | ₹4,14,601 | ₹24,601 | 3.7% |
| UTI Children's EquityUTI Children's Equity Fund (Direct) | ₹3,90,000 | ₹3,89,260 | −₹740 | −0.1% |
UTI Balanced AdvantageUTI Balanced Advantage Fund (Direct)
UTI Children's EquityUTI Children's Equity 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 Balanced Advantage vs UTI Children's Equity: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | UTI Balanced Advantage Fund (Direct) | UTI Children's Equity Fund (Direct) |
|---|---|---|
| Return (CAGR) | −4.25% | −10.13% |
| Standard deviation | 8.94% | 12.95% |
| Sharpe ratio | -1.06 | -1.19 |
| Sortino ratio | -1.43 | -1.57 |
| Maximum drawdown | −10.5% (30-03-2026) | −15.2% (31-03-2026) |
| Beta | -- | 0.88 |
| Alpha | -- | −4.30% |
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 Balanced Advantage Fund (Direct) | UTI Children's Equity Fund (Direct) |
|---|---|---|
| Return (CAGR) | +8.50% | +7.37% |
| Standard deviation | 7.71% | 12.69% |
| Sharpe ratio | 0.32 | 0.11 |
| Sortino ratio | 0.45 | 0.15 |
| Maximum drawdown | −10.5% (30-03-2026) | −18.7% (28-02-2025) |
| Beta | -- | 0.86 |
| Alpha | -- | −2.27% |
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 Balanced Advantage Fund (Direct) | UTI Children's Equity Fund (Direct) |
|---|---|---|
| Return (CAGR) | +8.17% | +12.00% |
| Standard deviation | 7.58% | 15.04% |
| Sharpe ratio | 0.28 | 0.40 |
| Sortino ratio | 0.39 | 0.53 |
| Maximum drawdown | −10.5% (30-03-2026) | −35.2% (23-03-2020) |
| Beta | -- | 0.93 |
| Alpha | -- | −0.31% |
From daily NAVs, 17-08-2023 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.
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 Balanced Advantage Fund (Direct)
UTI Children's Equity Fund (Direct)
Nifty 500 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| UTI Balanced Advantage Fund (Direct) | −10.5% | 02-01-2026 | 30-03-2026 | Not yet | -- | −5.7% |
| UTI Children's Equity Fund (Direct) | −18.7% | 26-09-2024 | 28-02-2025 | Not yet | -- | −13.9% |
| Nifty 500 TRI | −18.6% | 26-09-2024 | 28-02-2025 | Not yet | -- | −8.8% |
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.
UTI Balanced Advantage Fund (Direct)
UTI Children's Equity Fund (Direct)
Nifty 500 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.
UTI Balanced Advantage Fund (Direct)
UTI Children's Equity Fund (Direct)
Nifty 500 TRI
Against Nifty 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| UTI Balanced Advantage Fund (Direct) | 62% | 50% | 7.41% |
| UTI Children's Equity Fund (Direct) | 89% | 99% | 3.20% |
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.
UTI Balanced Advantage vs UTI Children's Equity: Portfolio Overlap
From each fund's latest monthly portfolio: UTI Balanced Advantage Fund, September 2026; UTI Children's Equity Fund, September 2026
Holdings in common
- Overlap
- 55.0%
- Held by both
- 37
- Only in UTI Balanced Advantage
- 47
- Only in UTI Children's Equity
- 33
| Security | % of UTI Balanced Advantage | % of UTI Children's Equity |
|---|---|---|
| EQ - HDFC BANK LIMITED | 6.71% | 7.65% |
| EQ - ICICI BANK LTD | 6.61% | 7.43% |
| EQ - RELIANCE INDUSTRIES LTD. | 4.29% | 3.92% |
| EQ - BHARTI AIRTEL LTD. | 3.50% | 4.38% |
| EQ - AXIS BANK LTD. | 2.91% | 3.89% |
| EQ - KOTAK MAHINDRA BANK LTD. | 3.37% | 2.73% |
| EQ - INFOSYS LTD. | 2.73% | 3.10% |
| EQ - ETERNAL LIMITED | 2.51% | 2.61% |
| EQ - BAJAJ FINANCE LTD. | 2.29% | 3.96% |
| EQ - STATE BANK OF INDIA | 2.73% | 1.99% |
| EQ - LARSEN & TOUBRO LTD. | 1.52% | 1.76% |
| EQ - MAHINDRA & MAHINDRA LTD. | 2.02% | 1.36% |
| EQ - TITAN COMPANY LTD. | 1.89% | 1.29% |
| EQ - ULTRATECH CEMENT LTD. | 1.29% | 1.08% |
| EQ - MARUTI SUZUKI INDIA LTD. | 1.02% | 2.72% |
| EQ - JSW STEEL LTD. | 0.88% | 1.42% |
| EQ - AJANTA PHARMA LTD. | 0.86% | 2.32% |
| EQ - DR LAL PATHLABS LTD. | 0.85% | 1.08% |
| EQ - TATA CONSULTANCY SERVICES LTD. | 0.97% | 0.83% |
| EQ - COAL INDIA LTD. | 1.05% | 0.82% |
| EQ - EICHER MOTORS LTD | 0.80% | 0.98% |
| EQ - UJJIVAN SMALL FINANCE BANK LTD | 0.73% | 0.98% |
| EQ - LTM Limited | 0.72% | 1.11% |
| EQ - DR REDDYS LABORATORIES LTD. | 0.70% | 0.80% |
| EQ - VEDANTA ALUMINIUM METAL LTD. | 0.63% | 0.78% |
| EQ - COFORGE LTD | 0.54% | 1.17% |
| EQ - CROMPTON GREAVES CONSUMER ELEC | 0.54% | 1.11% |
| EQ - ICICI LOMBARD GENERAL INSURANC | 0.53% | 1.41% |
| EQ - BLUE STAR LIMITED | 0.52% | 0.63% |
| EQ - NTPC LTD. | 0.48% | 0.87% |
| EQ - ADANI ENTERPRISES LTD. | 0.47% | 0.62% |
| EQ - CONTAINER CORP. OF INDIA LTD | 0.59% | 0.40% |
| EQ - HDFC LIFE INSURANCE COMPANY LI | 0.37% | 0.79% |
| EQ - ASIAN PAINTS (INDIA) LTD. | 0.35% | 0.67% |
| EQ - MARICO LTD | 0.63% | 0.30% |
| EQ - OIL & NATURAL GAS CORPORATION | 0.27% | 0.27% |
| EQ - HERO MOTOCORP LTD. | 0.20% | 0.62% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 55.0% means 55.0% 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 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% |
Largest holdings only in UTI Children's Equity Fund
| Security | % of fund |
|---|---|
| EQ - PHOENIX MILLS LTD | 1.81% |
| EQ - TECH MAHINDRA LTD. | 1.73% |
| EQ - NESTLE INDIA LTD. | 1.43% |
| EQ - SHREE CEMENT LTD. | 1.39% |
| EQ - POLYCAB INDIA LTD | 1.35% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | UTI Balanced Advantage | UTI Children's Equity |
|---|---|---|
| Equity | 68.7% | 94.4% |
| Debt | 25.0% | 0.0% |
| Cash and others | 6.3% | 5.6% |
Market cap of stocks
| Market cap | UTI Balanced Advantage | UTI Children's Equity |
|---|---|---|
| Large Cap | 57.3% | 70.3% |
| Mid Cap | 7.3% | 15.7% |
| Small Cap | 3.1% | 8.4% |
| Not on AMFI's list | 1.0% | 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 | UTI Balanced Advantage | UTI Children's Equity |
|---|---|---|
| Banks | 23.1% | 24.7% |
| IT - Software | 5.7% | 7.9% |
| Consumer Durables | 3.3% | 5.8% |
| Automobiles | 4.8% | 5.7% |
| Finance | 2.3% | 5.1% |
| Telecom - Services | 3.5% | 4.4% |
| Petroleum Products | 4.3% | 4.1% |
The six largest sectors of each fund's stocks, % of the fund.
UTI Balanced Advantage vs UTI Children's Equity: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | UTI Balanced Advantage Fund | UTI Children's Equity Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.91% | 1.39% |
| Base expense ratio (Direct) | 0.68% | 1.11% |
| Total expense ratio (Regular) | 2.01% | 2.26% |
| Base expense ratio (Regular) | 1.68% | 1.91% |
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
UTI Balanced Advantage Fund vs UTI Children's Equity Fund: Frequently Asked Questions
What is the difference between UTI Balanced Advantage Fund and UTI Children's Equity Fund?
UTI Balanced Advantage Fund is a Balanced Advantage fund, UTI Children's Equity Fund is a Solution fund, run by UTI Mutual Fund. Their portfolios overlap 55.0%. UTI Balanced Advantage Fund charges 0.91% a year and UTI Children's Equity Fund 1.39%.
Which has given higher returns, UTI Balanced Advantage Fund or UTI Children's Equity Fund?
Over 1 year: UTI Balanced Advantage Fund −4.25%, UTI Children's Equity Fund −10.13%. Over 3 years: UTI Balanced Advantage Fund +8.50% a year, UTI Children's Equity Fund +7.37% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, UTI Balanced Advantage Fund or UTI Children's Equity Fund?
UTI Balanced Advantage Fund charges less: 0.91% a year against 1.39%. These are the Direct plans' total expense ratios reported to AMFI.
How much do UTI Balanced Advantage Fund and UTI Children's Equity Fund overlap?
55.0%. They hold 37 of the same securities, the largest shared ones being HDFCBANK, ICICIBANK, RELIANCE. From each fund's latest monthly portfolio.
Which is riskier, UTI Balanced Advantage Fund or UTI Children's Equity Fund?
On SEBI's riskometer, UTI Balanced Advantage Fund is rated Very High and UTI Children's Equity Fund Very High. Over 3 years, the standard deviation of daily returns was 7.71% and 12.69% a year.
Which is better for SIP, UTI Balanced Advantage Fund or UTI Children's Equity Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹3,89,002 in UTI Balanced Advantage Fund (XIRR 3.2% a year) and ₹3,64,779 in UTI Children's Equity Fund (XIRR -0.9% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both UTI Balanced Advantage Fund and UTI Children's Equity Fund?
Yes. 55.0% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages UTI Balanced Advantage Fund and UTI Children's Equity Fund?
UTI Balanced Advantage Fund: "Equity - Mr. Sachin Trivedi, Debt - Mr. Anurag Mittal ". UTI Children's Equity Fund: Sachin Trivedi FM 1, Not Applicable 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.