Balanced Advantage Fund · head to head · AMFI NAVs
Tata Balanced Advantage Fund vs UTI Unit Linked Insurance Plan: SIP returns compared
Same ₹10,000 monthly SIP, same dates, Direct plans: over the last 5 years Tata Balanced Advantage Fund is worth ₹7.04 L (XIRR 6.5%) and UTI Unit Linked Insurance Plan ₹6.99 L (XIRR 6.3%) — Tata Balanced Advantage Fund ahead by ₹4,593. Across every 3-year SIP since Feb 2019, Tata Balanced Advantage Fund finished ahead in 55 of 57 and UTI Unit Linked Insurance Plan in 2.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Tata Balanced Advantage Fund: invested — over — instalments; valued at NAV of —:
| Year | Invested | Tata Balanced Advantage 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 | Tata Balanced Advantage Fund | XIRR | UTI Unit Linked Insurance Plan | XIRR | Post-tax (both) |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.17 L | -6.3% | ₹1.21 L | 2.0% | ₹1.17 L / ₹1.21 L |
| 3 years | ₹3,60,000 | ₹3.70 L | 2.0% | ₹3.83 L | 4.3% | ₹3.70 L / ₹3.83 L |
| 5 years | ₹6,00,000 | ₹7.04 L | 6.5% | ₹6.99 L | 6.3% | ₹7.04 L / ₹6.99 L |
Every 3-year SIP, head to head
We started the same SIP in both funds in every month both have NAVs for — 57 SIPs, the first starting Feb 2019. Tata Balanced Advantage Fund finished ahead in 96% of them; the median gap was 4.2 percentage points a year in Tata Balanced Advantage Fund's favour.
Downside on the same dates: Tata Balanced Advantage Fund's worst 3-year SIP returned 2.3% a year (started Oct 2023) and 0 of 57 lost money; UTI Unit Linked Insurance Plan's worst returned 2.8% (started Apr 2023) and 0 lost money.
XIRR of every 3-year monthly SIP by the month it started. Gap = Tata Balanced Advantage Fund minus UTI Unit Linked Insurance Plan, percentage points a year.
| Window | SIPs compared | Ahead (Tata / UTI) | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 57 | 96% / 4% | +4.2 pp | -2.2 ppstarted Oct 2023 | +8.7 ppstarted Jun 2021 |
| 5-year SIPs | 33 | 100% / 0% | +2.9 pp | +0.3 ppstarted Oct 2021 | +7.1 ppstarted Jun 2019 |
Against an index fund, and the cost of the Regular plan
- Tata Balanced Advantage Fund: the Regular plan of the same 5-year SIP ended ₹24,359 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, Tata Balanced Advantage Fund or UTI Unit Linked Insurance Plan?
Over the last 5 years a ₹10,000 monthly SIP (Direct plans) is worth ₹7.04 L in Tata Balanced Advantage Fund (XIRR 6.5%) 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 Tata Balanced Advantage Fund beaten UTI Unit Linked Insurance Plan consistently?
In 96% of 57 rolling 3-year SIPs started on the same dates (from Feb 2019), Tata Balanced Advantage Fund ended ahead of UTI Unit Linked Insurance Plan (Direct plans). The median difference was +4.2 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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