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Bank Of India Aggressive Hybrid Fund - Direct Plan Growth vs UTI Aggressive Hybrid Fund -Direct Plan - Growth
Bank Of India Aggressive Hybrid Fund and UTI Aggressive Hybrid Fund - are both in the Aggressive Hybrid Fund category, from Bank of India Investment Managers Private Limited and UTI Asset Mgmt. Co. Ltd. respectively. Bank Of India Aggressive Hybrid Fund has posted a higher 3-year rolling CAGR. Bank Of India Aggressive Hybrid Fund has the lower expense ratio. See the full table and FAQ below for the complete real-data comparison.
Basics
Bank Of India Aggressive Hybrid Fund has the lower direct-plan expense ratio, by 0.47 percentage points.
| Bank Of India Aggressive Hybrid Fund - Direct Plan Growth | UTI Aggressive Hybrid Fund -Direct Plan - Growth | |
|---|---|---|
| Category | Aggressive Hybrid Fund | Aggressive Hybrid Fund |
| AMC | Bank of India Investment Managers Private Limited | UTI Asset Mgmt. Co. Ltd. |
| Benchmark | CRISIL Hybrid 25+75 - Aggressive Index | CRISIL Hybrid 35+65 - Aggressive Index |
| NAV | ₹45.3 (2026-10-28) | ₹419.1514 (2026-10-28) |
| AUM | ₹2,215.3 Cr | ₹6,410.727 Cr |
| Expense Ratio (Direct) | 0.86% | 1.33% |
| Inception | 2016-06-29 | 1995-01-02 |
Returns
Bank Of India Aggressive Hybrid Fund leads on 3-year rolling CAGR (20.3% vs UTI Aggressive Hybrid Fund -'s 14.2%) - see the FAQ below for percentile context within each fund's own category.
Risk Metrics
Bank Of India Aggressive Hybrid Fund has been the more volatile of the two by standard deviation.
| Bank Of India Aggressive Hybrid Fund - Direct Plan Growth | UTI Aggressive Hybrid Fund -Direct Plan - Growth | |
|---|---|---|
| 3Y Sharpe Ratio | 0.43 | 0.18 |
| 3Y Alpha | 7.769% | 1.1159% |
| 3Y Std Deviation | 15.3808% | 9.8445% |
| 3Y Calmar Ratio | 0.68 | 0.74 |
Portfolio Analytics
Bank Of India Aggressive Hybrid Fund 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.
| Bank Of India Aggressive Hybrid Fund - Direct Plan Growth | UTI Aggressive Hybrid Fund -Direct Plan - Growth | |
|---|---|---|
| P/E Ratio | 30.3782 | 16.764 |
| P/B Ratio | 9.9087 | - |
| Dividend Yield | 0.6485% | 1.9406% |
| Active Share | - | - |
| Portfolio Turnover | 103% | - |
| YTM | 7.7442% | - |
| Duration (Macaulay) | 1.69 yrs | - |
Punji Fund Health Score
Bank Of India Aggressive Hybrid Fund has the stronger Punji Quality grade of the two.
Frequently asked questions
Which has a higher 3-year return, Bank Of India Aggressive Hybrid Fund or UTI Aggressive Hybrid Fund -?
Bank Of India Aggressive Hybrid Fund's 3-year rolling CAGR of 20.3% is higher than UTI Aggressive Hybrid Fund -'s 14.2%. Bank Of India Aggressive Hybrid Fund sits in the 100th percentile of its category on this metric, versus the 45th percentile for UTI Aggressive Hybrid Fund - - though note both funds may belong to different categories with different medians, so a raw CAGR comparison doesn't account for how each fund performed relative to its own peers. A higher historical return also doesn't necessarily mean lower risk; check the risk metrics below before concluding either fund is the "better" choice.
Which has a lower expense ratio, Bank Of India Aggressive Hybrid Fund or UTI Aggressive Hybrid Fund -?
Bank Of India Aggressive Hybrid Fund's direct-plan expense ratio is 0.47 percentage points lower than UTI Aggressive Hybrid Fund -'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 fund carries more risk, Bank Of India Aggressive Hybrid Fund or UTI Aggressive Hybrid Fund -?
By standard deviation (a measure of how much a fund's returns swing around its own average), Bank Of India Aggressive Hybrid Fund has been more volatile than UTI Aggressive Hybrid Fund - over the trailing window. Standard deviation captures total volatility in both directions - up and down - so a higher figure means bigger swings generally, not necessarily bigger losses specifically. Sharpe ratio (0.43 for Bank Of India Aggressive Hybrid Fund vs 0.18 for UTI Aggressive Hybrid Fund -) is a better single measure of risk-adjusted return, since it weighs the return earned per unit of volatility taken rather than volatility alone.
Which has higher AUM, Bank Of India Aggressive Hybrid Fund or UTI Aggressive Hybrid Fund -?
UTI Aggressive Hybrid Fund - has ₹6,411 Cr in assets under management, versus ₹2,215 Cr for Bank Of India Aggressive Hybrid Fund. 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, Bank Of India Aggressive Hybrid Fund or UTI Aggressive Hybrid Fund -?
UTI Aggressive Hybrid Fund - launched on 1995-01-02, making it older than Bank Of India Aggressive Hybrid Fund (launched 2016-06-29). 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.