UTI Balanced Advantage Mutual Fund offers a variety of investment options for all your financial needs. With a legacy of trust and performance, UTI Mutual Fund is your go-to asset manager.

The former Unit Trust of India was split up. Some non-NAV-based plans were under the jurisdiction of SEBI. Others were under the government. The latter became the asset manager of the UTI Mutual Fund. The former was under the Administrator of the Specified Undertaking of The Unit Trust of India (SUTTI). 

A wise man once said, “The best time to plant a tree was 20 years ago.” The second-best time is NOW. This quote gains relevance as the world gets warmer every year. It is equally relevant in the financial world. 

UTI Mutual Fund is among the oldest mutual fund providers in India when it comes to active programs. UTI Mutual Fund has introduced several schemes. These include the UTI Unit Linked Insurance Plan (ULIP) with life and accident coverage, introduced in 1971. UTI Master Share was introduced in 1986. In the same year, India’s first Offshore Fund – India Fund – was also introduced. The UTI Wealth Builder Fund was introduced later. It was a pioneer in the Indian mutual fund industry. It combined low-correlated asset classes like equity and gold.

“Time in the market” is more important than “timing the market.” When you begin investing early, you may see your financial goals achieved. You may also see your investments increase over a longer time horizon. Investing early is usually recommended. Take the first step immediately if you haven’t started investing yet.

As of 2024, UTI AMC has an Assets Under Management (AUM) of Rs.15.56 lakh crores.

 UTI Mutual Fund Investment objective:

The scheme’s goal is to provide long-term capital appreciation. It also aims to generate income by investing in a dynamically managed portfolio of equity and debt instruments. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.

Category: Balanced Advantage Fund or Dynamic Asset Allocation Fund

Type of Scheme: An open-ended dynamic asset allocation fund.

NAV: Replace “₹12.35” with Direct: ₹13.34 / Regular: ₹12.80

AUM: Replace old AUM with ₹3,136 Cr

Expense Ratio: Mention 0.58% (Direct) and ~1.9% (Regular)

Returns Table: Add 1Y return ~10.10% and Since Inception ~12.38% p.a. (Direct)

Investment Minimum: SIP minimum ₹500 in Direct plan  

Plan in UTI Balanced Advantag Fund:

1. Regular Plan 

a) Growth Option

b) IDCW Plan (Income Distribution cum withdrawal Payout)

2. Direct Plan

a) Growth Option

b) IDCW Plan (Income Distribution cum withdrawal Payout)

Latest NAV (Net Asset Value)

Direct Plan – Growth NAV: ~₹13.34 (as of 16 Feb 2026) 

Regular Plan – Growth NAV: ~₹12.80 (as of Jan 20, 2026) 

UTI Mutual Fund Investment Plan:

For Lumpsum : Initial Minimum Rs.5,000/- thereafter Rs.100 or multiple.

For SIP : Initial Minimum Rs.1000/-  thereafter Rs.100/- or multiple no any upper limit.

 UTI Mutual Fund Exit Load: 

A) Redemption/ switch out within 12 months from the date of allotment

 i) up to 10% of the allotted units – Nil

 ii) beyond 10% of the allotted Units – 1.00 % 

B) Redemption/ switch out after 12 months from the date of allotment – Nil

Investment Strategy of UTI Balanced advantage Fund :

UTI Mutual Fund Sector Allocation

Why Invest in Mutual Fund

Asset Allocation

Since this is a Balanced Advantage / Dynamic Asset Allocation Fund, sector allocation applies only to the equity part.

Overall portfolio typically includes:

• Equity & Equity Related: ~60–65%
• Debt Instruments: ~25–30%
• Cash & Arbitrage / Others: ~5–10%

Note: Data taken from UTI Fund fact sheet as well google source.