Balanced Advantage Fund · head to head · AMFI NAVs
DSP Dynamic Asset Allocation Fund vs UTI Unit Linked Insurance Plan: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years DSP Dynamic Asset Allocation Fund is worth ₹7.39 L (XIRR 8.5%) and UTI Unit Linked Insurance Plan ₹6.99 L (XIRR 6.3%) — DSP Dynamic Asset Allocation Fund ahead by ₹39,170. Across every 5-year SIP since Mar 2014, DSP Dynamic Asset Allocation Fund finished ahead in 91 of 92 and UTI Unit Linked Insurance Plan in 1.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
DSP Dynamic Asset Allocation Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | DSP Dynamic Asset Allocation Fund value | XIRR to date |
|---|
₹10,000 a month in each: what it became
Each row is a monthly SIP ending today (1 Oct 2026), Direct plans. Post-tax assumes everything is redeemed today with no other capital gains this year.
| SIP period | Invested | DSP Dynamic Asset Allocation Fund | XIRR | UTI Unit Linked Insurance Plan | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.19 L | -1.6% | ₹1.21 L | 2.0% | ₹1.19 L / ₹1.21 L |
| 3 years | ₹3,60,000 | ₹3.89 L | 5.3% | ₹3.83 L | 4.3% | ₹3.89 L / ₹3.83 L |
| 5 years | ₹6,00,000 | ₹7.39 L | 8.5% | ₹6.99 L | 6.3% | ₹7.37 L / ₹6.99 L |
| 10 years | ₹12,00,000 | ₹19.47 L | 9.5% | ₹17.56 L | 7.5% | ₹18.70 L / ₹17.04 L |
Every 5-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 92 SIPs, the first starting Mar 2014. DSP Dynamic Asset Allocation Fund finished ahead in 99% of them; the median gap was 2.3 percentage points a year in DSP Dynamic Asset Allocation Fund's favour.
Downside on the same dates: DSP Dynamic Asset Allocation Fund's worst 5-year SIP returned 2.3% a year (started Apr 2015) and 0 of 92 lost money; UTI Unit Linked Insurance Plan's worst returned -0.2% (started Apr 2015) and 1 lost money.
XIRR of every 5-year monthly SIP by the month it started. Gap = DSP Dynamic Asset Allocation Fund minus UTI Unit Linked Insurance Plan, percentage points a year.
| Window | SIPs compared | Ahead (DSP / UTI) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 116 | 71% / 29% | +1.9 pp | -4.2 ppstarted Sep 2015 | +7.4 ppstarted Jul 2017 |
| 5-year SIPs | 92 | 99% / 1% | +2.3 pp | -0.2 ppstarted Apr 2014 | +4.7 ppstarted Jul 2015 |
Against an index fund, and the cost of the Regular plan
- DSP Dynamic Asset Allocation Fund: the Regular plan of the same 10-year SIP ended ₹1,38,872 below Direct.
- UTI Unit Linked Insurance Plan: the Regular plan of the same 10-year SIP ended ₹65,447 below Direct.
Questions
Which has given better SIP returns, DSP Dynamic Asset Allocation Fund or UTI Unit Linked Insurance Plan?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.39 L in DSP Dynamic Asset Allocation Fund (XIRR 8.5%) and ₹6.99 L in UTI Unit Linked Insurance Plan (XIRR 6.3%). Past returns don't tell you which will do better next.
Has DSP Dynamic Asset Allocation Fund beaten UTI Unit Linked Insurance Plan consistently?
In 99% of 92 rolling 5-year SIPs started on the same dates (from Mar 2014), DSP Dynamic Asset Allocation Fund ended ahead of UTI Unit Linked Insurance Plan (Direct plans). The median difference was +2.3 percentage points a year.
Where does this data come from?
Official daily NAVs published by AMFI. SIP instalments fall on the first business day of each month; both funds are compared on identical dates. Updated monthly.
Comparison on official AMFI NAVs, SIP on the first business day of each month, identical dates for both funds. It shows what happened, not which fund to buy — past performance does not indicate future returns. sipcalculatorhub.com is not a SEBI-registered investment adviser. Methodology.
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