COMPARE
ICICI Prudential Balanced Advantage Fund - Direct Plan - Growth vs UTI - Unit Linked Insurance Plan- Direct
ICICI Prudential Balanced Advantage Fund and UTI - Unit Linked Insurance Plan- Direct are both in the Dynamic Asset Allocation or Balanced Advantage category, from ICICI Prudential Asset Management Company Limited and UTI Asset Mgmt. Co. Ltd. respectively. ICICI Prudential Balanced Advantage Fund has the lower expense ratio. See the full table and FAQ below for the complete real-data comparison.
Basics
ICICI Prudential Balanced Advantage Fund has the lower direct-plan expense ratio, by 0.07 percentage points.
| ICICI Prudential Balanced Advantage Fund - Direct Plan - Growth | UTI - Unit Linked Insurance Plan- Direct | |
|---|---|---|
| Category | Dynamic Asset Allocation or Balanced Advantage | Dynamic Asset Allocation or Balanced Advantage |
| AMC | ICICI Prudential Asset Management Company Limited | UTI Asset Mgmt. Co. Ltd. |
| Benchmark | CRISIL Hybrid 50+50 - Moderate Index | NIFTY 50 Hybrid Composite Debt 50:50 Index |
| NAV | ₹85.23 (2026-10-28) | ₹45.5924 (2026-10-28) |
| AUM | ₹71,029.914 Cr | ₹4,868.434 Cr |
| Expense Ratio (Direct) | 1.04% | 1.11% |
| Inception | 2006-11-08 | 2003-02-01 |
Returns
Rolling returns are not available for this fund yet.
Risk Metrics
Portfolio Analytics
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, ICICI Prudential Balanced Advantage Fund or UTI - Unit Linked Insurance Plan- Direct?
ICICI Prudential Balanced Advantage Fund's direct-plan expense ratio is 0.07 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, ICICI Prudential Balanced Advantage Fund or UTI - Unit Linked Insurance Plan- Direct?
ICICI Prudential Balanced Advantage Fund has ₹71,030 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, ICICI Prudential Balanced Advantage Fund or UTI - Unit Linked Insurance Plan- Direct?
UTI - Unit Linked Insurance Plan- Direct launched on 2003-02-01, making it older than ICICI Prudential Balanced Advantage Fund (launched 2006-11-08). 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.