Two funds walk into a table. Only the numbers talk.
UTI Dynamic Term Fund vs 360 ONE Dynamic Term Fund
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 Dynamic Term Fund
UTI Mutual Fund- Dynamic Bond Fund
- Direct plan
- Moderate Risk
NAV ₹35.67 on 13 Nov 2026
- B360 ONE Dynamic Term Fund
360 ONE Mutual Fund- Dynamic Bond Fund
- Direct plan
- Moderately High Risk
NAV ₹25.55 on 13 Nov 2026
The short version
Who comes out ahead on each measure, over the 10 years all of them have been around.
Grew faster
B360 ONE Dynamic Term Fund
360 ONE Dynamic Term Fund returned 7.1% a year over 10 years, against 6.6% for UTI Dynamic Term Fund. ₹1 lakh invested 10 years ago would be about ₹1.98 Lakh today, against ₹1.9 Lakh.
Fell less in a crash
B360 ONE Dynamic Term Fund
At its worst, 360 ONE Dynamic Term Fund fell 2.1% from its peak, against 8.1% for UTI Dynamic Term Fund. On ₹1 lakh, that's a dip to ₹91,870 at the bottom for UTI Dynamic Term Fund. Could you have held on?
More consistent
B360 ONE Dynamic Term Fund
Pick any day in the past and hold for a year: 360 ONE Dynamic Term Fund ended up in profit 100% of the time, against 90% for UTI Dynamic Term Fund.
Costs less
B360 ONE Dynamic Term Fund
360 ONE Dynamic Term Fund charges 0.34% a year, against 0.56% for UTI Dynamic Term Fund. On ₹1 lakh that's ₹340 a year against ₹560, 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 Dynamic Term Fund₹14,418 from ₹10,000(7.6% a year)
- B360 ONE Dynamic Term Fund₹13,815 from ₹10,000(6.7% 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 Dynamic Term Fund
- Strength: Ahead of its category: 7.6% a year over 5 years, against a category average of 6.1%
- Strength: In the top quarter of its category over 5 years (#1 of 20)
- Strength: Beat a 5-year SBI FD: 7.6% a year over 5 years, against 6.05%
- Strength: Swings less than most funds in its category
- Watch out: Fell harder than its category in the worst crash
- Watch out: Small fund (₹396 Cr), often newer or less tested
B360 ONE Dynamic Term Fund
- Strength: In the top quarter of its category over 5 years (#5 of 20)
- Strength: Swings less than most funds in its category
- Strength: Fell less than its category in the worst crash
- Strength: Low cost: 0.34% a year
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 Dynamic Term Fund | B360 ONE Dynamic Term Fund |
|---|---|---|
| ReturnsHow much the fund grew. Beyond a year, this is per year (annualised). | ||
| 1 yearLast 12 months, the most noisy figure | 4.2%Best#8 of 22 · avg 3.6% | 4.1%#9 of 22 · avg 3.6% |
| 3 yearsPer year, over a full market mood swing | 7.2%#10 of 22 · avg 6.8% | 7.9%Best#1 of 22 · avg 6.8% |
| 5 yearsPer year, the fairest single test | 7.6%Best#1 of 20 · avg 6.1% | 6.7%#5 of 20 · avg 6.1% |
| 10 yearsPer year, across bull and bear markets | 6.6%#9 of 16 · avg 6.7% | 7.1%Best#7 of 16 · avg 6.7% |
| 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 | 1.8%category avg 2.2% | 1.8%Bestcategory avg 2.2% |
| Worst fallThe biggest drop from a peak in 10 years. Lower is better | −8.1%category avg −3.7% | −2.1%Bestcategory avg −3.7% |
| Best 12 monthsIts strongest year | 20.1%Best | 12% |
| Worst 12 monthsIts weakest year | -5.9% | 2.9%Best |
| Odds of a gainShare of all 1-year holding periods that ended in profit | 90% | 100%Best |
| 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 | 0.56% | 0.34%Best |
| Fund sizeMoney managed (AUM). Neither better nor worse | ₹396 Cr | ₹549 Cr |
| Minimum SIPSmallest monthly amount | ₹500Best | ₹1,000 |
| Lock-inTime before you can withdraw | None | None |
“Best” is not a recommendation: a fund that returned more usually took more risk to do it.
Which one fits you?
There is no best fund, only a better fit for what you need the money to do.
AUTI Dynamic Term Fund
Might suit you if…
- you prefer its fund house or approach. On these numbers it is not the stand-out on any one measure
B360 ONE Dynamic Term Fund
Might suit you if…
- you want the stronger long-run growth and can sit through sharper falls
- a smoother ride matters more to you than the top return
- you may need the money at short notice and want better odds of being in profit
- you care about keeping costs low, which adds up over decades