MonitorDirect · GrowthWatch before adding
UTI Balanced Advantage Fund
UTI Mutual FundHybrid Schemes - Balanced Advantage Fund/ Dynamic Asset Allocation3.2 years
The scheme seeks to provide long-term capital appreciation and income by investing in a dynamically managed portfolio of equity and debt instruments.
- NAV
- 12.801
- 30 Oct 2026
- 1Y
- -4.2%
- Trailing CAGR
- AUM
- ₹3,022.5 Cr
- 31 Aug 2026
- Volatility
- Low
- 7.7% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer Mirae Asset Balanced Advantage Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Watch
3.2 years - usable, still building a track record.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.91% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -10.5%. Ask whether you can hold through a similar fall.
Vs category
Fail
0% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Anurag Mittal · 3.3 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 40.2% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 10%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y-4.2%
- 3Y+8.5%
- 5Yn/a
- 10Yn/a
- SI+8.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-2.4%
- 3Y+3.0%
- 5Yn/a
- 10Yn/a
- Since inception
- +8.2%
- Calendar-day CAGR
- Excess 1Y
- -2.7%
- Category median, same plan and option
- 3Y win rate
- 0%
- Windows beating the median
- 3Y percentile
- 27
- Vs comparable share classes
- SIP 3Y XIRR
- +3.0%
- Simulated monthly SIP
- Worst rolling 3Y
- +7.3%
- 52 daily-ending windows
- Median rolling 3Y
- +8.2%
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -10.5%
- Worst peak-to-trough
- Current
- -5.7%
- Below last peak
- Current spell
- 301 days
- Days below latest peak
- Time below peak
- +83%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 51 recovered episodes
- Longest recovery
- 69 days
- Trough to prior peak
2 Jan 2026 – open
Trough 30 Mar 2026 · not recovered
-10.5%
26 Sept 2024 – 12 May 2025
Trough 4 Mar 2025 · recovered in 69 days
-6.8%
15 Sept 2023 – 17 Nov 2023
Trough 26 Oct 2023 · recovered in 22 days
-3.3%
3 Jun 2024 – 7 Jun 2024
Trough 4 Jun 2024 · recovered in 3 days
-2.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
27
Vs category
33
Consistency
24
Risk-adjusted
41
Drawdown
74
Mean
40
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
31 Aug 2026 · 89 holdings · top 10 are 40.2%.
- Top 5
- 25.1%
- Top 10
- 40.2%
- Largest holding
- 6.9%
- Effective holdings
- 38.9
ICICI Bank Ltd
Financial
6.9%
HDFC Bank Ltd
Financial
6.8%
Reliance Industries Ltd
Energy & Utilities
4.4%
UTI Floating Interest Rates Fund Direct-Growth
Unspecified
3.5%
GOVERNMENT OF INDIA 32829 GOI 10AP28 7.06 FV RS 100
Entities
3.5%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
30 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
29 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
28 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
27 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
26 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
19 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
16 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
24 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Mirae Asset Balanced Advantage Fund
Mirae Asset Mutual Fund
- 1Y
- +0.7%
- 3Y
- +10.1%
- Vol
- 7.1%
- Max DD
- -7.5%
- Sharpe
- 0.63
- 3Y win
- +72%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Mahindra Manulife Balanced Advantage Fund
Mahindra Manulife Mutual Fund
- 1Y
- -0.7%
- 3Y
- +10.9%
- Vol
- 9.5%
- Max DD
- -9.8%
- Sharpe
- 0.42
- 3Y win
- +93%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
WhiteOak Capital Balanced Advantage Fund
WhiteOak Capital Mutual Fund
- 1Y
- -0.6%
- 3Y
- +11.4%
- Vol
- 7.9%
- Max DD
- -9.6%
- Sharpe
- 0.77
- 3Y win
- +99%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
HSBC Balanced Advantage Fund
HSBC Mutual Fund
- 1Y
- -1.6%
- 3Y
- +9.1%
- Vol
- 6.6%
- Max DD
- -8.7%
- Sharpe
- 0.53
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
Caveat: Higher TER
Nippon India Balanced Advantage Fund
Nippon India Mutual Fund
- 1Y
- -1.4%
- 3Y
- +10.1%
- Vol
- 11.2%
- Max DD
- -22.8%
- Sharpe
- 0.52
- 3Y win
- +60%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown