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    UTI Children's Hybrid Fund vs UTI - Unit Linked Insurance Plan

    Direct Plan, Growth option · Data as on 23-10-2026

    UTI Children's Hybrid Fund is a Solution fund and UTI - Unit Linked Insurance Plan is a Balanced Advantage fund. In the 3 years to 30-10-2026, UTI Children's Hybrid Fund (Direct) returned 6.0% a year and UTI - Unit Linked Insurance Plan (Direct) returned 7.8% a year. UTI Children's Hybrid Fund charges 1.51% a year and UTI - Unit Linked Insurance Plan 1.11% (Direct plans). Their portfolios overlap 46.1%: they hold 67 of the same securities.

    UTI Children's Hybrid Fund

    Solution

    3 year return
    6.0%
    Expense ratio
    1.51%
    NAV
    ₹40.19
    See UTI Children's Hybrid Fund

    UTI - Unit Linked Insurance Plan

    Balanced Advantage

    3 year return
    7.8%
    Expense ratio
    1.11%
    NAV
    ₹45.91
    See UTI - Unit Linked Insurance Plan

    Which is better, UTI Children's Hybrid or UTI - Unit Linked Insurance Plan? Key differences

    It depends on what you want from the fund. These are the differences in numbers, from the data on this page.

    • UTI - Unit Linked Insurance Plan returned more over 5 years: 5.7% a year against 5.6%.
    • UTI - Unit Linked Insurance Plan returned more over 3 years: 7.8% a year against 6.0%.
    • UTI - Unit Linked Insurance Plan costs less: 1.11% a year against 1.51% (Direct plans).
    • UTI Children's Hybrid swung less over 3 years: a standard deviation of 5.6% a year against 5.6%.
    • UTI - Unit Linked Insurance Plan fell less in its worst fall since 09-01-2013: −17.9% against −18.7%.
    • UTI - Unit Linked Insurance Plan is the larger fund: ₹4,930 Cr against ₹4,258 Cr.
    • Their portfolios overlap 46.1%: 67 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

    FactUTI Children's Hybrid FundUTI - Unit Linked Insurance Plan
    Fund houseUTI Mutual FundUTI Mutual Fund
    CategorySolutionBalanced Advantage
    AUM₹4,258 Cr (30-09-2026)₹4,930 Cr (30-09-2026)
    NAV₹40.19 (Direct)₹45.91 (Direct)
    Expense ratio (Direct)1.51%1.11%
    Expense ratio (Regular)1.62%1.60%
    RiskometerModerately HighHigh
    BenchmarkCRISIL Short Term Debt Hybrid 60+40 IndexNIFTY 50 Hybrid Composite Debt 50:50 Index
    Launch date12-07-199301-10-1971
    Minimum investmentRegular Plan-Scholarship- Discontinued, Regular Plan-Growth- Rs.1000, Direct Plan-Scholarship- Discontinued, Direct Plan-Growth- Rs.1000,Minimum target amount under the scheme is 15000 which is required to be invested over 10/15 year period.
    Lock in5 years, or until retirement if earlierNone
    Fund managersAnurag Mittal FM 1, Sachin Trivedi FM 2, Not Applicable FM 3Anurag Mittal FM 1, Ajay Tyagi FM 2, Kamal Gada FM 3 Mr. Akash Shah FM 4
    Exit loadNilIf withdrawn prematurely – 2% On or after maturity – Nil

    UTI Children's Hybrid vs UTI - Unit Linked Insurance Plan: Returns Comparison

    Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.

    Fund1M3M6M1Y3Y5Y10Y
    UTI Children's Hybrid Fund (Direct)−2.33%−2.67%−1.36%−4.00%+6.02%+5.59%+7.03%
    UTI - Unit Linked Insurance Plan (Direct)−0.03%−2.17%+3.96%−0.53%+7.84%+5.73%+7.58%
    Balanced Advantage average−0.55%−2.88%+0.08%−2.08%+9.14%+8.35%+9.91%

    Category average: the average of the 38 Balanced Advantage funds, same plan type.

    UTI Children's Hybrid vs UTI - Unit Linked Insurance Plan: Year-wise Returns

    YearChildren's HybridUTI Children's Hybrid- Unit Linked Insurance PlanUTI - Unit Linked Insurance Plan
    2026to date−3.83%+0.38%
    2025+5.22%+5.12%
    2024+10.81%+12.24%
    2023+13.61%+12.76%
    2022+2.86%−1.60%
    2021+15.83%+15.42%

    UTI Children's Hybrid vs UTI - Unit Linked Insurance Plan: Rolling Returns

    Every holding period of both funds

    Rolling returns

    Every 3-year holding period, 2,657 of them, one for each trading day from 11-01-2016 to 23-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.

    −5%0%5%10%15%20%
    Nov 2013
    to
    Nov 2016
    Sept 2015
    to
    Sept 2018
    Jul 2017
    to
    Jul 2020
    May 2019
    to
    May 2022
    Mar 2021
    to
    Mar 2024
    Dec 2022
    to
    Dec 2025
    UTI Children's Hybrid Fund (Direct)UTI - Unit Linked Insurance Plan (Direct)

    How the periods spread

    FundBelow 0%0-5%5-10%10-15%15-20%20-25%Above 25%MeanMedianLowestHighest
    UTI Children's Hybrid1.29.649.738.31.20.00.09.0%9.5%−2.0%16.4%
    UTI - Unit Linked Insurance Plan0.212.260.327.40.00.00.08.4%8.8%−0.7%14.9%

    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 09-01-2013. Past returns do not promise future returns.

    UTI Children's Hybrid vs UTI - Unit Linked Insurance Plan: 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

    Step up each year
    PeriodFor

    ₹10,000 on the first trading day of every month, from 02-01-2013 to 23-10-2026: 166 instalments, ₹16,60,000 in all.

    InvestmentInvestedValue nowGainReturn a year
    UTI Children's HybridUTI Children's Hybrid Fund (Direct) ₹16,60,000 ₹28,51,472 ₹11,91,472 7.5%
    UTI - Unit Linked Insurance PlanUTI - Unit Linked Insurance Plan (Direct) ₹16,60,000 ₹28,98,406 ₹12,38,406 7.7%
    ₹0₹10.0 L₹20.0 L₹30.0 L
    2014201620182020202220242026
    UTI Children's HybridUTI Children's Hybrid Fund (Direct)UTI - Unit Linked Insurance PlanUTI - Unit Linked Insurance Plan (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 Children's Hybrid vs UTI - Unit Linked Insurance Plan: Risk and Drawdowns

    How much each fund swings, and the worst fall over the same days

    Risk and return

    MeasureUTI Children's Hybrid Fund (Direct)UTI - Unit Linked Insurance Plan (Direct)
    Return (CAGR)+6.02%+7.84%
    Standard deviation5.59%5.63%
    Sharpe ratio-0.000.32
    Sortino ratio-0.000.46
    Maximum drawdown−7.1% (30-03-2026)−8.2% (30-03-2026)
    Beta----
    Alpha----

    From daily NAVs, 23-10-2023 to 23-10-2026. 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.

    −20%−15%−10%−5%0%
    2014201620182020202220242026
    UTI Children's Hybrid Fund (Direct)UTI - Unit Linked Insurance Plan (Direct)
    FundWorst fallHigh before itBottomBack at the highTime to climb backBelow its high today
    UTI Children's Hybrid Fund (Direct)−18.7%20-02-202023-03-202012-10-20207 months−4.4%
    UTI - Unit Linked Insurance Plan (Direct)−17.9%12-02-202023-03-202016-09-20206 months−3.4%

    From daily values since 09-01-2013, 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 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.

    0%2%4%6%8%10%
    20172019202120232025
    UTI Children's Hybrid Fund (Direct)UTI - Unit Linked Insurance Plan (Direct)

    UTI Children's Hybrid vs UTI - Unit Linked Insurance Plan: Portfolio Overlap

    From each fund's latest monthly portfolio: UTI Children's Hybrid Fund, September 2026; UTI - Unit Linked Insurance Plan, September 2026

    Holdings in common

    Overlap
    46.1%
    Held by both
    67
    Only in UTI Children's Hybrid
    65
    Only in UTI - Unit Linked Insurance Plan
    41
    Security% of UTI Children's Hybrid% of UTI - Unit Linked Insurance Plan
    07.32% GSEC MAT -13/11/20303.94%4.12%
    07.18% GSEC MAT -24/07/20372.69%8.09%
    7.24% GSEC MAT- 18/08/20553.34%2.60%
    EQ - ICICI BANK LTD2.76%2.53%
    EQ - HDFC BANK LIMITED2.92%2.03%
    CP BAJAJ FINANCIAL SECURITIES LTD2.30%1.98%
    EQ - BAJAJ FINANCE LTD.1.57%2.34%
    EQ - BHARTI AIRTEL LTD.1.72%1.46%
    NCD POWER FINANCE CORPORATION LTD.1.16%1.50%
    07.32% RAJASTHAN SGS Mat - 24/09/20351.86%1.13%

    Overlap: for each holding both funds own, the smaller of its two weights, added up. 46.1% means 46.1% 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 UTI Children's Hybrid Fund

    Security% of fund
    CP EXPORT IMPORT BANK OF INDIA2.28%
    EQ - AXIS BANK LTD.1.61%
    EQ - RELIANCE INDUSTRIES LTD.1.52%
    NCD BAJAJ AUTO CREDIT LIMITED1.28%
    EQ - INFOSYS LTD.1.27%

    Largest holdings only in UTI - Unit Linked Insurance Plan

    Security% of fund
    NCD MAHINDRA AND MAHINDRA FINANCIAL SERVICES LTD2.53%
    EQ - INFO-EDGE (INDIA) LTD.1.55%
    EQ - DIXON TECHNOLOGIES (INDIA) LTD1.49%
    CP CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED1.47%
    6.91% MH SDL MAT - 15/09/20331.46%

    Asset and sector split

    Share of each fund, from its latest monthly portfolio

    Asset allocation

    AssetUTI Children's HybridUTI - Unit Linked Insurance Plan
    Equity36.2%38.0%
    Debt48.1%53.3%
    Cash and others15.7%8.7%

    Market cap of stocks

    Market capUTI Children's HybridUTI - Unit Linked Insurance Plan
    Large Cap26.6%23.8%
    Mid Cap6.1%10.7%
    Small Cap3.5%3.5%

    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

    SectorUTI Children's HybridUTI - Unit Linked Insurance Plan
    Banks8.9%6.5%
    Retailing1.4%6.7%
    Consumer Durables2.5%4.3%
    IT - Software3.4%4.0%
    Pharmaceuticals & Biotechnology1.0%3.4%
    Automobiles1.7%2.8%
    Finance2.1%2.6%
    Telecom - Services1.7%1.5%

    The six largest sectors of each fund's stocks, % of the fund.

    UTI Children's Hybrid vs UTI - Unit Linked Insurance Plan: Expense Ratio

    What each plan charges a year, from AMFI's expense ratio file

    ChargeUTI Children's Hybrid FundUTI - Unit Linked Insurance Plan
    Total expense ratio (Direct)1.51%1.11%
    Base expense ratio (Direct)1.27%0.92%
    Total expense ratio (Regular)1.62%1.60%
    Base expense ratio (Regular)1.37%1.37%

    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

    UTI Children's Hybrid Fund vs UTI - Unit Linked Insurance Plan: Frequently Asked Questions

    What is the difference between UTI Children's Hybrid Fund and UTI - Unit Linked Insurance Plan?

    UTI Children's Hybrid Fund is a Solution fund, UTI - Unit Linked Insurance Plan is a Balanced Advantage fund, run by UTI Mutual Fund. Their portfolios overlap 46.1%. UTI Children's Hybrid Fund charges 1.51% a year and UTI - Unit Linked Insurance Plan 1.11%.

    Which has given higher returns, UTI Children's Hybrid Fund or UTI - Unit Linked Insurance Plan?

    Over 1 year: UTI Children's Hybrid Fund −4.00%, UTI - Unit Linked Insurance Plan −0.53%. Over 3 years: UTI Children's Hybrid Fund +6.02% a year, UTI - Unit Linked Insurance Plan +7.84% a year. Over 5 years: UTI Children's Hybrid Fund +5.59% a year, UTI - Unit Linked Insurance Plan +5.73% a year. As on 30-10-2026. Past returns do not promise future returns.

    Which has the lower expense ratio, UTI Children's Hybrid Fund or UTI - Unit Linked Insurance Plan?

    UTI - Unit Linked Insurance Plan charges less: 1.11% a year against 1.51%. These are the Direct plans' total expense ratios reported to AMFI.

    How much do UTI Children's Hybrid Fund and UTI - Unit Linked Insurance Plan overlap?

    46.1%. They hold 67 of the same securities, the largest shared ones being 07.32% GSEC MAT -13/11/2030, 07.18% GSEC MAT -24/07/2037, 7.24% GSEC MAT- 18/08/2055. From each fund's latest monthly portfolio.

    Which is riskier, UTI Children's Hybrid Fund or UTI - Unit Linked Insurance Plan?

    On SEBI's riskometer, UTI Children's Hybrid Fund is rated Moderately High and UTI - Unit Linked Insurance Plan High. Over 3 years, the standard deviation of daily returns was 5.59% and 5.63% a year.

    Which is better for SIP, UTI Children's Hybrid Fund or UTI - Unit Linked Insurance Plan?

    Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 23-10-2026 grew to ₹6,86,894 in UTI Children's Hybrid Fund (XIRR 4.7% a year) and ₹7,14,591 in UTI - Unit Linked Insurance Plan (XIRR 6.2% a year). Both received 61 instalments. Past returns do not promise future returns.

    Can I invest in both UTI Children's Hybrid Fund and UTI - Unit Linked Insurance Plan?

    Yes. 46.1% of each fund's money sits in the same holdings, so a large part of the two investments would move together.

    Who manages UTI Children's Hybrid Fund and UTI - Unit Linked Insurance Plan?

    UTI Children's Hybrid Fund: Anurag Mittal FM 1, Sachin Trivedi FM 2, Not Applicable FM 3. UTI - Unit Linked Insurance Plan: Anurag Mittal FM 1, Ajay Tyagi FM 2, Kamal Gada FM 3 Mr. Akash Shah 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.

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