UTI Balanced Advantage Fund
Dynamic Asset AllocationVery HighOPEN-ENDED
- NAV as on 25 Sep 2026
- ₹12.29+0.23%1 day
- Return since launch
- 7.0%
- 52-week range
- ₹11.72 — ₹13.13
- AUM
- ₹3,022 Cr
UTI Balanced Advantage Fund is a Dynamic Asset Allocation hybrid fund from UTI Mutual Fund with ₹3,022 Cr under management, launched in 2023. Over three years it has returned 2.1% a year, against 8.3% for its category. The expense ratio is 1.97% and the SEBI riskometer reading is Very High.
Performance
UTI Balanced Advantage Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned -2.4% against +1.5% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | -4.3% | −5.8 pts | 1.5% | 0.2% |
| 2Y | -1.0% | −2.7 pts | 1.8% | 1.9% |
| 3Y | 2.1% | −6.2 pts | 8.3% | 3.8% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -3.0% | −0.7 pts | -2.4% | -2.3% |
| 3M | -0.7% | −0.5 pts | -0.2% | -0.2% |
| 6M | 3.2% | −2.4 pts | 5.7% | 5.7% |
| 1Y | -2.4% | −3.9 pts | 1.5% | 1.5% |
| 2Y | -0.8% | −0.8 pts | 0.0% | 0.3% |
| 3Y | 6.7% | −1.6 pts | 8.3% | 7.9% |
Since launch (21 Jul 2023): 7.0%
Calendar-year returns
Category average10.8%
8.8%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 8.8% | +2.1 pts | 6.7% |
| 2024 | 10.8% | −3.4 pts | 14.2% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
2.01%
Expense ratio as on 25 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.68%
- Brokerage
- 0.03%
- Transaction charges
- 0.00%
- Statutory levies
- 0.30%
- Exit load
- Exit load of 1%, if redeemed within 90 days.
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- NIFTY 50 Hybrid Composite Debt 50:50 Index
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Very High
Your principal is treated as being at very high risk — typically small cap, sectoral and thematic equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | — | 1.29 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.29 | 0.63 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.35 | 0.82 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 8.62 | 10.95 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
UTI Balanced Advantage Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Equity68.4%
- Debt27.9%
- Other3.7%
Market cap split
- Large85.1%
- Mid10.4%
- Small4.5%
- P/E
- 21.31
- P/B
- 3.05
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| ICICI Bank Ltd. | Financial | 7.67% | ₹232 Cr | -1.63% | +11.05% | +10.68% |
| HDFC Bank Ltd. | Financial | 6.82% | ₹206 Cr | -0.21% | +8.05% | +8.50% |
| Export-Import Bank Of India | Financial | 6.06% | ₹183 Cr | +6.38% | +5.99% | +6.78% |
| Reliance Industries Ltd. | Energy | 4.36% | ₹132 Cr | -0.22% | -0.20% | +3.45% |
| Bajaj Finance Ltd. | Financial | 3.68% | ₹111 Cr | -0.46% | -0.26% | +5.30% |
| UTI Floating Interest Rates Fund Direct-Growth | Unclassified | 3.55% | ₹107 Cr | +3.53% | +3.31% | +3.36% |
| Bharti Airtel Ltd. | Communication | 3.41% | ₹103 Cr | +3.49% | -1.11% | -0.14% |
| Kotak Mahindra Bank Ltd. | Financial | 3.29% | ₹99.47 Cr | +5.89% | -0.53% | +4.84% |
| Axis Bank Ltd. | Financial | 3.21% | ₹97.13 Cr | -0.95% | -1.90% | -0.14% |
| Infosys Ltd. | Technology | 3.06% | ₹92.44 Cr | +2.67% | +2.60% | +3.61% |
| REC Ltd. | Financial | 2.82% | ₹85.09 Cr | +5.01% | +3.21% | +3.39% |
| State Bank of India | Financial | 2.80% | ₹84.62 Cr | -0.67% | +2.66% | — |
| Small Industries Devp. Bank of India Ltd. | Financial | 2.47% | ₹74.68 Cr | +2.51% | +2.43% | +2.57% |
| Eternal Ltd. | Services | 2.43% | ₹73.41 Cr | +1.78% | -0.10% | -0.73% |
| Others | Others | 2.18% | ₹65.96 Cr | +8.19% | +18.00% | +5.75% |
| Mahindra & Mahindra Ltd. | Automobile | 2.12% | ₹64.15 Cr | -0.32% | +1.28% | +1.14% |
| Titan Company Ltd. | Consumer Discretionary | 2.07% | ₹62.50 Cr | +1.42% | -0.17% | +1.17% |
| Larsen & Toubro Ltd. | Construction | 1.81% | ₹54.80 Cr | -0.18% | -0.55% | -0.19% |
| Ultratech Cement Ltd. | Materials | 1.27% | ₹38.36 Cr | +0.91% | -0.25% | +1.20% |
| Tata Consultancy Services Ltd. | Technology | 1.15% | ₹34.80 Cr | +1.25% | +1.64% | +2.13% |
| Maruti Suzuki India Ltd. | Automobile | 1.09% | ₹32.99 Cr | -0.45% | -0.38% | +2.33% |
| LTM Limited | Technology | 1.08% | ₹32.59 Cr | +0.98% | +1.09% | +0.89% |
| ITC Ltd. | Consumer Staples | 0.95% | ₹28.68 Cr | +1.08% | +0.97% | +1.49% |
| Mphasis Ltd. | Technology | 0.93% | ₹28.07 Cr | +0.88% | +0.67% | — |
| Adani Ports and Special Economic Zone Ltd. | Services | 0.91% | ₹27.48 Cr | +0.45% | — | — |
| JSW Steel Ltd. | Metals & Mining | 0.87% | ₹26.19 Cr | — | — | — |
| Coal India Ltd. | Materials | 0.86% | ₹25.96 Cr | +1.18% | +0.23% | — |
| Eicher Motors Ltd. | Automobile | 0.84% | ₹25.49 Cr | +0.60% | -0.36% | +1.15% |
| Power Finance Corporation Ltd. | Financial | 0.83% | ₹25.15 Cr | +0.84% | +0.80% | +0.84% |
| Bharti Telecom Ltd. | Communication | 0.83% | ₹25.12 Cr | — | — | — |
| Poonawalla Fincorp Ltd. | Financial | 0.82% | ₹24.91 Cr | — | — | — |
| Dr. Lal Pathlabs Ltd. | Healthcare | 0.82% | ₹24.82 Cr | +0.83% | +0.67% | +1.04% |
| Aditya Birla Housing Finance Ltd. | Financial | 0.82% | ₹24.77 Cr | +0.83% | — | — |
| Ajanta Pharma Ltd. | Healthcare | 0.81% | ₹24.47 Cr | +0.82% | +0.98% | +0.71% |
| Info Edge (India) Ltd. | Services | 0.75% | ₹22.60 Cr | +0.65% | +0.37% | +0.46% |
| Hyundai Motor India Ltd. | Automobile | 0.73% | ₹22.11 Cr | +0.60% | +0.67% | +0.76% |
| Aurobindo Pharma Ltd. | Healthcare | 0.69% | ₹20.91 Cr | +0.66% | +0.27% | — |
| Manipal Health Enterprises Ltd. | Healthcare | 0.67% | ₹20.26 Cr | — | — | — |
| Bagmane Prime Office REIT | Construction | 0.65% | ₹19.61 Cr | +0.64% | — | — |
| SBI Life Insurance Company Ltd. | Insurance | 0.64% | ₹19.24 Cr | +0.68% | +0.52% | +0.30% |
| Container Corporation Of India Ltd. | Services | 0.64% | ₹19.20 Cr | +0.58% | — | — |
| Ujjivan Small Finance Bank Ltd. | Financial | 0.63% | ₹19.16 Cr | — | — | — |
| Vedanta Aluminium Metal Ltd. | Metals & Mining | 0.63% | ₹19.07 Cr | +0.06% | — | — |
| Marico Ltd. | Consumer Staples | 0.62% | ₹18.80 Cr | +0.58% | +0.53% | +0.51% |
| Crompton Greaves Consumer Electricals Ltd. | Consumer Discretionary | 0.58% | ₹17.55 Cr | +0.70% | +0.61% | +0.71% |
| Oil India Ltd. | Energy | 0.53% | ₹16.06 Cr | +0.40% | — | — |
| ICICI Lombard General Insurance Company Ltd. | Insurance | 0.49% | ₹14.90 Cr | -0.15% | 0.00% | -0.12% |
| DLF Ltd. | Construction | 0.49% | ₹14.83 Cr | — | — | — |
| HDFC Life Insurance Co Ltd. | Insurance | 0.48% | ₹14.60 Cr | -0.14% | -0.03% | +1.34% |
| NTPC Ltd. | Energy | 0.46% | ₹13.94 Cr | +0.97% | -0.50% | +1.57% |
| Adani Enterprises Ltd. | Services | 0.44% | ₹13.29 Cr | — | — | — |
| Blue Star Ltd. | Consumer Discretionary | 0.42% | ₹12.83 Cr | +0.47% | — | — |
| company:7041 | Technology | 0.38% | ₹11.42 Cr | — | — | — |
| Asian Paints Ltd. | Materials | 0.37% | ₹11.19 Cr | -0.22% | +0.56% | +0.44% |
| SBI Funds Management Ltd. | Financial | 0.37% | ₹11.18 Cr | — | — | — |
| company:5764 | Automobile | 0.36% | ₹11.01 Cr | — | — | — |
| company:15589 | Construction | 0.35% | ₹10.61 Cr | — | — | — |
| GOI | Sovereign | 0.34% | ₹10.14 Cr | +0.34% | +0.33% | +0.34% |
| UTI Nifty 1D Rate Liquid ETF - Growth | Unclassified | 0.33% | ₹10.06 Cr | — | — | — |
| Canara Bank | Financial | 0.32% | ₹9.73 Cr | +0.32% | — | — |
| NIIT Learning Systems Ltd. | Services | 0.31% | ₹9.26 Cr | +0.28% | +0.44% | +0.49% |
| Hindustan Aeronautics Ltd. | Capital Goods | 0.30% | ₹9.19 Cr | +0.27% | +0.17% | — |
| Oil And Natural Gas Corporation Ltd. | Energy | 0.26% | ₹7.91 Cr | +0.73% | +0.80% | +0.57% |
| Hero Motocorp Ltd. | Automobile | 0.20% | ₹6.03 Cr | — | -0.41% | — |
| Tata Capital Housing Finance Ltd. | Financial | 0.17% | ₹5.01 Cr | — | — | — |
| Bajaj Housing Finance Ltd. | Financial | 0.17% | ₹4.99 Cr | +0.17% | +0.16% | — |
| SKF India (Industrial) Ltd. | Capital Goods | 0.16% | ₹4.97 Cr | +0.15% | +0.17% | — |
| H.G. Infra Engineering Ltd. | Construction | 0.16% | ₹4.95 Cr | +0.20% | +0.17% | +0.33% |
| TVS Motor Company Ltd. | Automobile | 0.05% | ₹1.53 Cr | +0.11% | — | — |
| UTI Nifty 10 yr Benchmark G-Sec ETF - Growth | Unclassified | 0.04% | ₹1.34 Cr | +0.04% | +0.04% | +0.04% |
| UTI Nifty 5 yr Benchmark G-Sec ETF - Growth | Unclassified | 0.04% | ₹1.33 Cr | +0.04% | +0.04% | +0.04% |
| Interglobe Aviation Ltd. | Services | 0.03% | ₹0.97 Cr | +0.03% | -0.18% | +0.59% |
| Vedanta Iron And Steel Ltd. | Metals & Mining | 0.02% | ₹0.51 Cr | +0.06% | — | — |
| SKF India Ltd. | Capital Goods | 0.01% | ₹0.21 Cr | +0.05% | +0.05% | +0.30% |
| Bharat Petroleum Corporation Ltd. | Energy | 0.00% | ₹0.08 Cr | 0.00% | +0.41% | +0.51% |
| Vedanta Ltd. | Metals & Mining | 0.00% | ₹0.01 Cr | 0.00% | +0.57% | +0.49% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Axis Bank Ltd. | 2.52% | 0.50% | -2.01% |
| Others | 3.02% | 2.16% | -0.86% |
| Bajaj Finance Ltd. | 2.94% | 2.39% | -0.56% |
| Glenmark Pharmaceuticals Ltd. | 0.43% | 0.00% | -0.43% |
| JSW Steel Ltd. | 0.48% | 0.87% | +0.39% |
| Oil And Natural Gas Corporation Ltd. | 0.65% | 0.26% | -0.38% |
| company:7041 | 0.00% | 0.38% | +0.38% |
| company:5764 | 0.00% | 0.36% | +0.36% |
| company:15589 | 0.00% | 0.35% | +0.35% |
| State Bank of India | 2.47% | 2.80% | +0.33% |
| Procter & Gamble Health Ltd. | 0.33% | 0.00% | -0.33% |
| Hero Motocorp Ltd. | 0.50% | 0.20% | -0.30% |
| Vedanta Aluminium Metal Ltd. | 0.35% | 0.63% | +0.28% |
| Kotak Mahindra Bank Ltd. | 2.86% | 3.13% | +0.27% |
| HDFC Bank Ltd. | 7.07% | 6.82% | -0.26% |
| Bharti Airtel Ltd. | 3.65% | 3.41% | -0.24% |
| Eternal Ltd. | 2.20% | 2.43% | +0.23% |
| ICICI Bank Ltd. | 6.67% | 6.87% | +0.20% |
| Avenue Supermarts Ltd. | 0.20% | 0.00% | -0.20% |
| NTPC Ltd. | 0.63% | 0.46% | -0.17% |
| Manipal Health Enterprises Ltd. | 0.51% | 0.67% | +0.16% |
| Infosys Ltd. | 3.20% | 3.06% | -0.14% |
| Titan Company Ltd. | 1.94% | 2.07% | +0.12% |
| Info Edge (India) Ltd. | 0.63% | 0.75% | +0.12% |
| Tata Consultancy Services Ltd. | 1.27% | 1.15% | -0.12% |
| Wipro Ltd. | 0.11% | 0.00% | -0.11% |
| Adani Enterprises Ltd. | 0.34% | 0.44% | +0.10% |
| Biocon Ltd. | 0.10% | 0.00% | -0.10% |
| ITC Ltd. | 1.03% | 0.95% | -0.08% |
| Larsen & Toubro Ltd. | 1.74% | 1.81% | +0.08% |
| Hyundai Motor India Ltd. | 0.66% | 0.73% | +0.07% |
| UTI Floating Interest Rates Fund Direct-Growth | 3.48% | 3.55% | +0.07% |
| LTM Limited | 1.02% | 1.08% | +0.06% |
| Blue Star Ltd. | 0.48% | 0.42% | -0.05% |
| Crompton Greaves Consumer Electricals Ltd. | 0.63% | 0.58% | -0.05% |
| Mphasis Ltd. | 0.88% | 0.93% | +0.05% |
| Ujjivan Small Finance Bank Ltd. | 0.59% | 0.63% | +0.04% |
| Ajanta Pharma Ltd. | 0.77% | 0.81% | +0.04% |
| Adani Ports and Special Economic Zone Ltd. | 0.95% | 0.91% | -0.04% |
| SBI Life Insurance Company Ltd. | 0.68% | 0.64% | -0.04% |
| Mahindra & Mahindra Ltd. | 2.16% | 2.12% | -0.04% |
| SKF India Ltd. | 0.05% | 0.01% | -0.04% |
| REC Ltd. | 2.45% | 2.48% | +0.04% |
| Maruti Suzuki India Ltd. | 1.13% | 1.09% | -0.04% |
| Export-Import Bank Of India | 1.57% | 1.61% | +0.04% |
| Oil India Ltd. | 0.50% | 0.53% | +0.04% |
| Reliance Industries Ltd. | 4.39% | 4.36% | -0.03% |
| DLF Ltd. | 0.46% | 0.49% | +0.03% |
| Marico Ltd. | 0.59% | 0.62% | +0.03% |
| Ultratech Cement Ltd. | 1.30% | 1.27% | -0.03% |
| Eicher Motors Ltd. | 0.82% | 0.84% | +0.03% |
| Dr. Lal Pathlabs Ltd. | 0.80% | 0.82% | +0.03% |
| Aurobindo Pharma Ltd. | 0.71% | 0.69% | -0.02% |
| Bagmane Prime Office REIT | 0.63% | 0.65% | +0.02% |
| SKF India (Industrial) Ltd. | 0.18% | 0.16% | -0.02% |
| Hindustan Aeronautics Ltd. | 0.32% | 0.30% | -0.02% |
| H.G. Infra Engineering Ltd. | 0.18% | 0.16% | -0.01% |
| Poonawalla Fincorp Ltd. | 0.81% | 0.82% | +0.01% |
| Bharti Telecom Ltd. | 0.82% | 0.83% | +0.01% |
| Coal India Ltd. | 0.87% | 0.86% | -0.01% |
| NIIT Learning Systems Ltd. | 0.32% | 0.31% | -0.01% |
| Power Finance Corporation Ltd. | 0.82% | 0.83% | +0.01% |
| ICICI Lombard General Insurance Company Ltd. | 0.50% | 0.49% | -0.01% |
| Aditya Birla Housing Finance Ltd. | 0.81% | 0.82% | +0.01% |
| Small Industries Devp. Bank of India Ltd. | 0.82% | 0.83% | +0.01% |
| Canara Bank | 0.31% | 0.32% | +0.01% |
| UTI Nifty 1D Rate Liquid ETF - Growth | 0.33% | 0.33% | +0.01% |
| Asian Paints Ltd. | 0.38% | 0.37% | -0.01% |
| Container Corporation Of India Ltd. | 0.64% | 0.64% | -0.01% |
| HDFC Life Insurance Co Ltd. | 0.48% | 0.48% | 0.00% |
| Bajaj Housing Finance Ltd. | 0.16% | 0.17% | 0.00% |
| Tata Capital Housing Finance Ltd. | 0.16% | 0.17% | 0.00% |
| Vedanta Iron And Steel Ltd. | 0.01% | 0.02% | 0.00% |
| GOI | 0.33% | 0.34% | 0.00% |
| UTI Nifty 10 yr Benchmark G-Sec ETF - Growth | 0.04% | 0.04% | 0.00% |
| SBI Funds Management Ltd. | 0.37% | 0.37% | 0.00% |
| TVS Motor Company Ltd. | 0.05% | 0.05% | 0.00% |
| Interglobe Aviation Ltd. | 0.03% | 0.03% | 0.00% |
| UTI Nifty 5 yr Benchmark G-Sec ETF - Growth | 0.04% | 0.04% | 0.00% |
| Bharat Petroleum Corporation Ltd. | 0.00% | 0.00% | 0.00% |
| Vedanta Ltd. | 0.00% | 0.00% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹39,803 Cr | 1.98% | 0.9% | 5.3% | 9.8% |
 HDFC Balanced Advantage Fund | ₹1,07,296 Cr | 1.31% | -3.0% | 3.4% | 10.6% |
 ICICI Prudential Balanced Advantage Fund | ₹75,399 Cr | 1.57% | 2.0% | 6.8% | 9.5% |
 Aditya Birla Sun Life Balanced Advantage Fund | ₹10,125 Cr | 1.95% | 5.1% | 7.5% | 9.7% |
 Baroda BNP Paribas Balanced Advantage Fund | ₹5,343 Cr | 2.05% | 2.2% | 6.4% | 9.7% |
 Quant Dynamic Asset Allocation Fund | ₹852 Cr | 3.04% | -1.7% | 2.3% | — |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to provide long-term capital appreciation and income by investing in a dynamically managed portfolio of equity and debt instruments.
Fund managers
- Anurag MittalMr. Mittal is B.Com. (Hons), CA and M.Sc. in Accounting and Finance (specialization in Finance) from London School of Economics & Political Science.Prior to joining UTI Mutual Fund, he worked with IDFC AMC, HDFC AMC ( Sept. 2012 - Oct. 2015), Axis AMC (July 2009 - Sept. 2012), ICICI Prudential Life Insurance Company Ltd. as Credit Research Analyst (2008-2009) and with Bank of America in Corporate Banking (2006-2008).
- Sachin TrivediMr. Sachin Trivedi is a CFA.He began his career in June 2001, with UTI AMC. He has more than 13 years of experience in research and portfolio management. Presently, he leads the Equity research in the capacity of Head â Research. He is also a fund manager
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
₹
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months3.22% absolute | ₹60,000 | ₹61,932 | 3.22% | |
| 1 year−2.40% annualised | ₹1,20,000 | ₹1,18,451 | −1.29% | |
| 3 years6.70% annualised | ₹3,60,000 | ₹3,99,727 | 11.04% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.
What is the NAV of UTI Balanced Advantage Fund?
The NAV of UTI Balanced Advantage Fund is ₹12.29 as on 25 Sep 2026.
What is the expense ratio of UTI Balanced Advantage Fund?
The expense ratio of UTI Balanced Advantage Fund is 1.97% per year.
What is the minimum SIP amount for UTI Balanced Advantage Fund?
You can start a SIP in UTI Balanced Advantage Fund with ₹3,000 a month.
Is there a lock-in or exit load on UTI Balanced Advantage Fund?
Lock-in: None. Exit load: Exit load of 1%, if redeemed within 90 days..
How risky is UTI Balanced Advantage Fund?
UTI Balanced Advantage Fund is rated Very High on the SEBI riskometer and belongs to the Dynamic Asset Allocation category.
Which fund house manages UTI Balanced Advantage Fund?
UTI Balanced Advantage Fund is managed by UTI Mutual Fund, which runs 66 schemes with ₹3,94,848 Cr under management.