Should I invest in UTI â€“ Balanced Fund?

We don't give personal investment advice. UTI â€“ Balanced Fund-Growth is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 12.6%. 5-year CAGR: 12.00%.

UTI

UTI â€“ Balanced Fund-Growth

Latest NAV

₹408.2704

As of

17 Jul 2026

4,985 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.23%	+0.27%	-0.04	25 / 34	Q3
1W	-0.31%	+0.10%	-0.42	29 / 34	Q4
2W	+0.07%	+0.11%	-0.04	18 / 34	Q3
1M	+1.43%	+1.33%	+0.10	16 / 34	Q2
3M	+0.73%	+1.78%	-1.05	26 / 34	Q4
6M	-1.77%	-1.13%	-0.64	18 / 33	Q3
YTD	-2.76%	-2.97%	+0.21	16 / 33	Q2
1Y	-0.11%	-2.16%	+2.05	11 / 33	Q2
2Y	+2.01%	-1.24%	+3.25	11 / 33	Q2
3Y	+11.72%	+7.06%	+4.66	9 / 33	Q2
4Y	+13.87%	+9.03%	+4.84	7 / 32	Q1
5Y	+12.00%	+7.52%	+4.48	7 / 30	Q1
7Y	+13.80%	+9.73%	+4.07	7 / 30	Q1
10Y	+11.61%	+7.68%	+3.93	9 / 29	Q2
Inception	+10.72%	+6.55%	+4.17	11 / 34	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-2.76%	-3.27%	+0.51	14 / 31
2025	+6.12%	+2.10%	+4.01	10 / 31
2024	+19.45%	+12.84%	+6.61	4 / 31
2023	+25.08%	+17.18%	+7.90	5 / 31
2022	+5.64%	+1.09%	+4.55	10 / 31
2021	+29.88%	+23.51%	+6.37	6 / 31
2020	+12.92%	+10.62%	+2.30	9 / 31
2019	+2.27%	+3.54%	-1.27	17 / 32
2018	-5.56%	-7.66%	+2.10	14 / 32
2017	+25.27%	+16.43%	+8.84	3 / 32
2016	+8.55%	+2.00%	+6.55	2 / 26

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+12.95%

236 windows

min -44.0% · max 74.9%

80% positive

3-Year rolling

+11.98%

211 windows

min -4.8% · max 27.7%

97% positive

5-Year rolling

+11.54%

187 windows

min 0.6% · max 25.4%

100% positive

7-Year rolling

+11.19%

163 windows

min 6.3% · max 16.3%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

9.77%

3-year · annualised

Sharpe ratio

0.53

vs risk-free 6.5%

Sortino ratio

0.92

Downside-only deviation

Max drawdown

-12.25%

Sep 2024 → Mar 2025

% positive months

69.4%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Aggressive Hybrid Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA AGGRESSIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
SBI Magnum Balanced Fund - Dividend	SBI	₹66.9211	17 Jul 2026
ICICI Prudential Balanced Plan-Dividend	ICICI Prudential	₹43.5700	17 Jul 2026
FT India Balanced Fund-Dividend Plan	Franklin Templeton	₹28.4960	17 Jul 2026
Kotak Balance	Kotak Mahindra	₹38.2850	17 Jul 2026
DSP BlackRock Balanced Fund-Dividend	DSP BlackRock	₹27.0800	17 Jul 2026
Canara Robeco Balance - Dividend Plan	Canara Robeco	₹92.1900	17 Jul 2026
UTI â€“ Balanced Fund-Income	UTI	₹40.0276	17 Jul 2026
PGIM India Aggressive Hybrid Equity Fund - Dividend Option	PGIM India	₹13.9200	17 Jul 2026
Birla Sun Life 95 Fund-Plan A (Dividend)	Birla Sun Life	₹172.1500	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹408.2704
16 Jul 2026	₹407.3500
15 Jul 2026	₹407.2367
14 Jul 2026	₹407.2005
13 Jul 2026	₹410.0210
10 Jul 2026	₹409.5553
9 Jul 2026	₹406.4360
8 Jul 2026	₹403.9749
7 Jul 2026	₹409.7838
6 Jul 2026	₹409.7610

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of UTI â€“ Balanced Fund-Growth is ₹408.2704. It's a Aggressive Hybrid Fund from UTI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI â€“ Balanced Fund-Growth has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

UTI â€“ Balanced Fund-Growth is managed by UTI. It's classified by AMFI under the 'Aggressive Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI â€“ Balanced Fund-Growth has delivered a absolute return of -0.11% — +2.05 pp ahead of the Aggressive Hybrid Fund category average of -2.16%. The fund ranks #11 of 33 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI â€“ Balanced Fund-Growth has delivered a CAGR of 11.72% — +4.66 pp ahead of the Aggressive Hybrid Fund category average of 7.06%. The fund ranks #9 of 33 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI â€“ Balanced Fund-Growth has delivered a CAGR of 12.00% — +4.48 pp ahead of the Aggressive Hybrid Fund category average of 7.52%. The fund ranks #7 of 30 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI â€“ Balanced Fund-Growth exactly 10 years ago would be worth approximately ₹300,032 today — a multiplier of 3.00×, based on the 10-year CAGR of 11.61%. The category average over the same window would have grown ₹1 lakh to ₹209,676.

A ₹10,000 monthly SIP in UTI â€“ Balanced Fund-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹784,400 today. That's an XIRR (money-weighted annualised return) of 10.66%.

A ₹10,000 monthly SIP for 10 years in UTI â€“ Balanced Fund-Growth = ₹1,200,000 invested. It would currently be worth ₹2,289,291 (multiplier 1.91×). XIRR: 12.40%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI â€“ Balanced Fund-Growth ranks #7 out of 30 funds in the Aggressive Hybrid Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 7.52%; this fund delivered 12.00%.

The worst peak-to-trough decline UTI â€“ Balanced Fund-Growth has experienced over the last 5-year window is 12.63% — its NAV fell from a high on 18 Oct 2021 to a low on 20 Jun 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, UTI â€“ Balanced Fund-Growth averaged 11.54% (best 25.43%, worst 0.60%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.50 — weak risk-adjusted performance.

In calendar year 2025, UTI â€“ Balanced Fund-Growth returned 6.12% — beating the Aggressive Hybrid Fund category average of 2.10% by 4.01 pp. It ranked #10 of 31 in its category that year.

UTI â€“ Balanced Fund-Growth is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. UTI â€“ Balanced Fund-Growth is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 12.6%. 5-year CAGR: 12.00%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.