COMPARE
Aditya Birla Sun Life Balanced Advantage Fund - Direct Plan - Growth Option vs UTI - Unit Linked Insurance Plan- Direct
Aditya Birla Sun Life Balanced Advantage Fund and UTI - Unit Linked Insurance Plan- Direct are both in the Dynamic Asset Allocation or Balanced Advantage category, from Aditya Birla Sun Life AMC Limited and UTI Asset Mgmt. Co. Ltd. respectively. Aditya Birla Sun Life Balanced Advantage Fund has the lower expense ratio. See the full table and FAQ below for the complete real-data comparison.
Basics
Aditya Birla Sun Life Balanced Advantage Fund has the lower direct-plan expense ratio, by 0.22 percentage points.
| Aditya Birla Sun Life Balanced Advantage Fund - Direct Plan - Growth Option | UTI - Unit Linked Insurance Plan- Direct | |
|---|---|---|
| Category | Dynamic Asset Allocation or Balanced Advantage | Dynamic Asset Allocation or Balanced Advantage |
| AMC | Aditya Birla Sun Life AMC Limited | UTI Asset Mgmt. Co. Ltd. |
| Benchmark | CRISIL Hybrid 50+50 - Moderate Index | NIFTY 50 Hybrid Composite Debt 50:50 Index |
| NAV | ₹126.3 (2026-10-28) | ₹45.5924 (2026-10-28) |
| AUM | ₹9,731.235 Cr | ₹4,868.434 Cr |
| Expense Ratio (Direct) | 0.89% | 1.11% |
| Inception | 2000-03-15 | 2003-02-01 |
Returns
Rolling returns are not available for this fund yet.
Risk Metrics
Portfolio Analytics
UTI - Unit Linked Insurance Plan- Direct carries the higher portfolio P/E ratio (a rougher proxy for how richly the underlying holdings are valued) - see the table below for the full comparison.
| Aditya Birla Sun Life Balanced Advantage Fund - Direct Plan - Growth Option | UTI - Unit Linked Insurance Plan- Direct | |
|---|---|---|
| P/E Ratio | 25.5842 | 37.1333 |
| P/B Ratio | 6.7837 | - |
| Dividend Yield | 0.8916% | 0.7434% |
| Active Share | - | - |
| Portfolio Turnover | 206.99999999999997% | - |
| YTM | 8.4213% | - |
| Duration (Macaulay) | 2.84 yrs | - |
Punji Fund Health Score
UTI - Unit Linked Insurance Plan- Direct has the stronger Punji Quality grade of the two.
Frequently asked questions
Which has a lower expense ratio, Aditya Birla Sun Life Balanced Advantage Fund or UTI - Unit Linked Insurance Plan- Direct?
Aditya Birla Sun Life Balanced Advantage Fund's direct-plan expense ratio is 0.22 percentage points lower than UTI - Unit Linked Insurance Plan- Direct's. Over long holding periods, a persistent expense-ratio gap compounds into a materially different final corpus even if the two funds' gross returns are similar - it's one of the few fund attributes you can compare with total certainty upfront, unlike future returns, since the fee is contractually fixed rather than a historical estimate.
Which has higher AUM, Aditya Birla Sun Life Balanced Advantage Fund or UTI - Unit Linked Insurance Plan- Direct?
Aditya Birla Sun Life Balanced Advantage Fund has ₹9,731 Cr in assets under management, versus ₹4,868 Cr for UTI - Unit Linked Insurance Plan- Direct. A larger AUM generally means deeper liquidity and lower per-unit fixed costs for the AMC to spread across investors, but an AUM that's very large relative to a fund's category and strategy (especially in small/mid cap categories, where the investable universe is smaller) can also make it harder for a manager to enter and exit positions without moving the price - bigger isn't automatically better, especially for less liquid categories.
Which fund has a longer track record, Aditya Birla Sun Life Balanced Advantage Fund or UTI - Unit Linked Insurance Plan- Direct?
Aditya Birla Sun Life Balanced Advantage Fund launched on 2000-03-15, making it older than UTI - Unit Linked Insurance Plan- Direct (launched 2003-02-01). A longer track record means more real market cycles (bull runs, corrections, rate cycles) the fund has actually navigated, which is useful context for judging consistency - but it isn't a guarantee of future performance, and a newer fund isn't automatically worse, especially if it's run by an experienced manager or team with a track record at a prior fund.
Data as of 2026-10-29. Source: AMFI disclosures via Punji. Not investment advice.