Two funds walk into a table. Only the numbers talk.
UTI Children's Hybrid Fund vs SBI Children's Fund - Investment Plan
Pick two or three funds. We’ll tell you in plain words which grew faster, which was calmer, which costs less and what your money would have become. Figures are for the Direct plan, Growth option, where a fund has one.
- AUTI Children's Hybrid Fund
UTI Mutual Fund- Children's Fund
- Direct plan
- Moderately High Risk
NAV ₹40.19 on 23 Oct 2026
- BSBI Children's Fund - Investment Plan
SBI Mutual Fund- Children's Fund
- Direct plan
- Very High Risk
NAV ₹54.63 on 12 Nov 2026
The short version
Who comes out ahead on each measure, over the 5 years all of them have been around.
Grew faster
BSBI Children's Fund - Investment Plan
SBI Children's Fund - Investment Plan returned 17.8% a year over 5 years, against 5.6% for UTI Children's Hybrid Fund. ₹1 lakh invested 5 years ago would be about ₹2.27 Lakh today, against ₹1.31 Lakh.
Smoother ride
AUTI Children's Hybrid Fund
UTI Children's Hybrid Fund swung the least: about 5.7% a year either way, against 12.7% for SBI Children's Fund - Investment Plan. Lower means fewer scary days.
Fell less in a crash
No fair winner yet
At its worst, SBI Children's Fund - Investment Plan fell 15.7% from its peak, against 18.7% for UTI Children's Hybrid Fund. On ₹1 lakh, that's a dip to ₹81,322 at the bottom for UTI Children's Hybrid Fund. Could you have held on?
Not a fair fight: we only have data for SBI Children's Fund - Investment Plan (from Oct 2020), so it has not been through the 2020 crash the others fell in.
More consistent
No fair winner yet
Pick any day in the past and hold for a year: SBI Children's Fund - Investment Plan ended up in profit 100% of the time, against 86% for UTI Children's Hybrid Fund.
Not a fair fight: we only have data for SBI Children's Fund - Investment Plan (from Oct 2020), so it has not been through the 2020 crash the others fell in.
Costs less
BSBI Children's Fund - Investment Plan
SBI Children's Fund - Investment Plan charges 1.08% a year, against 1.52% for UTI Children's Hybrid Fund. On ₹1 lakh that's ₹1,080 a year against ₹1,520, taken quietly from the NAV.
What your money would have become
The same amount, put into each fund on the same day.
The dashed line is the ₹10,000 you put in. Above it is profit, below it is loss.
- AUTI Children's Hybrid Fund₹13,164 from ₹10,000(5.7% a year)
- BSBI Children's Fund - Investment Plan₹22,531 from ₹10,000(17.7% a year)
A one-time ₹10,000 put in 5 years ago, valued at the latest NAV. This is what happened, not what will.
Strengths and watch-outs
Each fund judged against its own category, and against a 5-year SBI FD at 6.05%.
AUTI Children's Hybrid Fund
- Strength: Swings less than most funds in its category
- Strength: Fell less than its category in the worst crash
- Watch out: Behind its category: 5.6% a year over 5 years, against a category average of 9%
- Watch out: In the bottom quarter of its category over 5 years (#10 of 10)
- Watch out: Earned less than a 5-year SBI FD: 5.6% a year over 5 years, against 6.05%
- Watch out: High cost: 1.52% a year
- Watch out: Money is locked in for 5 years
BSBI Children's Fund - Investment Plan
- Strength: Ahead of its category: 17.8% a year over 5 years, against a category average of 9%
- Strength: In the top quarter of its category over 5 years (#1 of 10)
- Strength: Beat a 5-year SBI FD: 17.8% a year over 5 years, against 6.05%
- Watch out: Money is locked in for 5 years
All the numbers
The stronger figure in each row is marked Best. Under each return is the fund’s rank in its category and the category average.
| Measure | AUTI Children's Hybrid Fund | BSBI Children's Fund - Investment Plan |
|---|---|---|
| ReturnsHow much the fund grew. Beyond a year, this is per year (annualised). | ||
| 1 yearLast 12 months, the most noisy figure | -4%#11 of 12 · avg 1.8% | 12.5%Best#1 of 12 · avg 1.8% |
| 3 yearsPer year, over a full market mood swing | 6%#9 of 10 · avg 10.7% | 22%Best#1 of 10 · avg 10.7% |
| 5 yearsPer year, the fairest single test | 5.6%#10 of 10 · avg 9% | 17.8%Best#1 of 10 · avg 9% |
| 10 yearsPer year, across bull and bear markets | 7%#8 of 8 · avg 10.8% | – |
| RiskHow bumpy the ride was. This is what decides whether you stay invested. | ||
| Ups and downsVolatility: how far it swings in a typical year. Lower is calmer | 5.7%Bestcategory avg 11.6% | 12.7%category avg 11.6% |
| Worst fallThe biggest drop from a peak in 10 years. Lower is better | −18.7%category avg −24.9% | −15.7%data from 7 Oct 2020 only |
| Best 12 monthsIts strongest year | 38% | 130.1%data from 7 Oct 2020 only |
| Worst 12 monthsIts weakest year | -14.9% | 0.4%data from 7 Oct 2020 only |
| Odds of a gainShare of all 1-year holding periods that ended in profit | 86% | 100%data from 7 Oct 2020 only |
| Cost and sizeThe fee comes out of your returns every year, whether the fund does well or not. | ||
| Expense ratioYearly fee. Lower keeps more for you | 1.52% | 1.08%Best |
| Fund sizeMoney managed (AUM). Neither better nor worse | ₹4,258 Cr | ₹7,949 Cr |
| Lock-inTime before you can withdraw | 5 years | 5 years |
| What it holdsWhere the money sits. Equity is shares, debt is bonds, cash is waiting to be invested. | ||
| In sharesEquity | – | 74.1% |
| In bondsDebt | – | 0.4% |
| In cashNot yet invested | – | 13.4% |
| HoldingsNumber of investments | – | 40 |
“Best” is not a recommendation: a fund that returned more usually took more risk to do it.
Top 10 holdings
Marked Both where another fund here holds it too.
AUTI Children's Hybrid Fund
Holdings are not available for this fund yet.
BSBI Children's Fund - Investment Plan
- ASM Technologies Ltd5.2%
- Alphabet Inc4.4%
- State Bank of India4.4%
- Kotak Mahindra Bank Ltd4.1%
- Thangamayil Jewellery Ltd4%
- Epam Systems Inc3.9%
- Renew Energy Global3.8%
- Sona Blw Precision Forgings Ltd3.7%
- Hatsun Agro Product Ltd3.5%
- Adani Enterprises Ltd3.3%
As on 31 Oct 2026
Which one fits you?
There is no best fund, only a better fit for what you need the money to do.
AUTI Children's Hybrid Fund
Might suit you if…
- a smoother ride matters more to you than the top return
- you want the section 80C tax deduction and can leave the money for 5 years
BSBI Children's Fund - Investment Plan
Might suit you if…
- you want the stronger long-run growth and can sit through sharper falls
- you care about keeping costs low, which adds up over decades
- you want the section 80C tax deduction and can leave the money for 5 years