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Two Long duration funds side by side: returns, costs, size, risk and how much their portfolios overlap.
HDFC Long Term Fund vs UTI Long Term Fund, as of 9 Nov 2026: HDFC Long Term Fund NAV ₹12.58, 3Y CAGR 6.1%, expense ratio 0.28%; UTI Long Term Fund NAV ₹12.34, 3Y CAGR 5.6%, expense ratio 0.09%; about 26% of their portfolios overlap.
As of · Source: AMFI NAVs and fund-house disclosures
| HDFC Long Term Fund Direct Growth | UTI Long Term Fund Direct Growth | |
|---|---|---|
| Category | Long duration | Long duration |
| Fund house | HDFC Mutual Fund | UTI Mutual Fund |
| Plan | Direct Plan · Growth Option | Direct Plan · Growth |
| NAV | ₹12.58 (9 Nov 2026) | ₹12.34 (9 Nov 2026) |
| 1Y return | 2.5% | 2.3% |
| 3Y CAGR | 6.1% | 5.6% |
| Since launch (CAGR) | 6.2% | 5.9% |
| Expense ratio | 0.28% | 0.09% |
| AUM | ₹2,562 cr | ₹54.2 cr |
| Risk-o-meter | Moderate | Moderate |
| Benchmark | NIFTY Long Duration Debt Index A-III | NIFTY Long Duration Debt Index A-III |
| Exit load | NA | Entry Load - Nil, Exit Load - Nil |
| Minimum SIP | ₹100 | ₹500 |
| Holdings | 12 | 5 |
| Top 10 holdings weight | 95.4% | 95.7% |
| Portfolio overlap | About 26% by weight, from the latest disclosed holdings | |
Returns are point-to-point for each plan, after its expense ratio; periods over one year are CAGR. Past performance is not indicative of future results.
Open in the compare tool: growth charts, SIP outcomes and shared holdings →HDFC Long Term Fund has the higher 3-year CAGR (as of 9 Nov 2026): HDFC Long Term Fund 6.1% a year vs UTI Long Term Fund 5.6% a year. Past performance is not indicative of future results.
UTI Long Term Fund costs less: HDFC Long Term Fund charges 0.28% a year and UTI Long Term Fund 0.09% a year.
HDFC Long Term Fund is larger: HDFC Long Term Fund manages ₹2,562 cr and UTI Long Term Fund ₹54.2 cr (as of 9 Nov 2026).
About 26% of their portfolios overlap by weight (the smaller weight of each common holding, summed), from the latest disclosed holdings.
Both are rated "Moderate" on SEBI's risk-o-meter.
We don't give recommendations. Jivani Markets is not a SEBI-registered investment adviser or research analyst. Whether a fund suits you depends on your goals, horizon and risk appetite; speak to a SEBI-registered investment adviser or an AMFI-registered mutual fund distributor before investing.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future results.
Returns are for Direct plans, after expenses (TER is already in the NAV). Research, not advice: we do not say a fund suits you. Disclaimer