UTI Children's Hybrid Fund-Direct Review 2026: NAV, Returns, Portfolio & Should You Invest?

UTI Children's Hybrid Fund-Direct Plan is priced at ₹41.196 as of 09 Sep 2026, with scheme AUM of ₹4,390 Cr. Its 1-year, 3-year and 5-year returns are 0.29%, 6.51% and 6.67% respectively, and it sits in the Medium Risk bucket. Our view is that this is a steady, solution-oriented hybrid fund rather than a fast-growth option; the return pattern is consistent, but the recent pace has been softer than the medium-term trend.

The fund is likely to suit investors who want a more measured path and are comfortable with moderate swings in a portfolio that also holds government securities and cash-like assets. The benchmark has been weaker over longer periods, which supports the fund’s relative stability, but the latest stretch shows some short-term softness that investors should factor into their horizon.

Quick facts

Particular	Details
NAV	₹41.196 as of 09 Sep 2026
AUM	₹4,390 Cr
Expense Ratio	1.58%
Launch Date	01 Jan 2013
Min SIP	₹500
Risk Category	Medium Risk
Benchmark	Nifty 50
Fund Category	Solution Oriented
Exit Load	No exit load
Fund Managers	Sachin Trivedi, Anurag Mittal

The fund is managed by Sachin Trivedi and Anurag Mittal.

Source data date: as of 09 Sep 2026

Performance

Period	Fund return	Benchmark return
1M	-1.98%	-4.69%
3M	1.75%	0.93%
1Y	0.29%	-7.16%
3Y	6.51%	6.00%
5Y	6.67%	5.87%

The latest one-month reading is negative, but the fund still held up better than the benchmark over the same period. That matters because the benchmark’s decline was sharper, which suggests the fund retained some relative resilience even in a weak phase.

The three-month figure is more encouraging. The fund has edged ahead of the benchmark, and that better short-term showing helps balance the softer one-month result. We read this as a modest recovery rather than a strong breakout.

Over 1 year, the fund has stayed slightly positive while the benchmark has been negative. That gap is useful because it shows the strategy did not simply move with the benchmark; it behaved more defensively than the index over the period. The three-year and five-year numbers are both above the benchmark too, but the margin is not large, so the story is one of gradual outperformance rather than a decisive lead.

The longer pattern in the fund’s movement suggests a measured compounding journey with intermittent pullbacks. It has not been a smooth line, and recent months have been choppier than the 3-year and 5-year picture would imply. For investors, that mix points to a fund that can preserve relative steadiness better than a pure market-linked path, but still asks for patience when short-term returns soften.

Source data date: as of 09 Sep 2026

Should you BUY or HOLD UTI Children's Hybrid Fund-Direct Plan?

A fund's past returns alone don't tell you whether you should buy it today or continue holding it.

The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.

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Peer comparison

Fund	1Y return	3Y return	5Y return
UTI Children's Hybrid Fund-Direct Plan	0.29%	6.51%	6.67%
SBI Children's Fund-Investment Plan Direct Growth Plan	16.76%	21.09%	21.49%
SBI Children's Fund-Savings Plan Direct Growth Plan	10.09%	11.79%	10.89%
LIC MF Children’s Fund Direct Growth Plan	8.06%	9.32%	8.37%
Aditya Birla SL Bal Bhavishya Yojna Direct Growth Plan	7.5%	11.28%	10.08%
Baroda BNP Paribas Children's Fund Direct Growth Plan	6.67%	Data not available	Data not available

This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639. On the available return figures, the fund’s 1-year result trails the stronger child-focused peers by a wide margin, although it still stays ahead of the benchmark’s 1-year reading. The longer horizon tells a gentler story: its 3-year and 5-year numbers are below the stronger peers listed here, but they remain ahead of the benchmark and slightly better than the Baroda BNP Paribas option where longer-period figures are available.

That split matters. The short-term gap versus the strongest peers suggests the fund has not participated in recent momentum to the same degree, while the medium- and long-term comparison shows a more stable, incremental profile. For investors, the comparison points to a fund that may appeal more for steadier progression than for aggressive upside capture.

Source data date: as of 09 Sep 2026

Portfolio: where your money goes

Holding	Sector	Weight
Net Current Assets	Cash & Cash Equivalents and Net Assets	12.89%
07.32% Gsec Mat -13/11/2030	Government Securities	3.86%
7.24% Gsec Mat- 18/08/2055	Government Securities	3.29%
Eq – ICICI Bank Ltd	Bank	2.94%
Eq – HDFC Bank Limited	Bank	2.83%
NCD Indian Railway Finance Corporation Limited	Corporate Debt	2.82%
07.18% Gsec Mat -24/07/2037	Government Securities	2.66%
CP Export Import Bank of India	Commercial Paper	2.24%
07.32% Rajasthan SGS Mat – 24/09/2035	Government Securities	1.83%
7.88% Andhra Pradesh SGS 25/03/2046	Government Securities	1.73%

The top 10 holdings account for approximately 37.09% of the portfolio.

To see all holdings, visit the UTI Children's Hybrid Fund-Direct Plan page

The largest disclosed holding is Net Current Assets at 12.89%, which is materially larger than any single security position in the list. After that, weight drops quickly into the 3% range for the government securities and bank exposures, and then into the low-2% band for the debt and commercial paper positions. That pattern suggests the portfolio may be anchored by liquidity and defensive assets rather than by one or two dominant equity bets.

By the tenth holding, the weight has fallen to 1.73%, so the spread from the largest position to the tail of the disclosed list is fairly wide. At the same time, the top 10 together make up 37.09% of the portfolio, which implies a meaningful long tail across the remaining 55 disclosed holdings. In our view, that combination can soften the impact of any single position while still leaving a few higher-weight holdings with greater influence than the rest.

Because there are 65 disclosed holdings, the fund appears to use diversification across many line items rather than relying on a very short list of positions. That may help reduce concentration at the security level, although the larger cash-like and sovereign debt exposures still play an outsized role in shaping the portfolio’s behaviour.

Source data date: as of 09 Sep 2026

Who should invest

This fund is better suited to investors who can live with Medium Risk and do not need sharp near-term growth. The 1-year return has been muted, but the 3-year and 5-year numbers show a steadier track, and both are ahead of the benchmark. That mix fits a longer horizon where consistency matters more than chasing strong short bursts.

The main trade-off is that the portfolio leans on government securities, cash-like assets and selective credit/equity exposure, so upside may be more restrained than in a more equity-heavy option. Investors looking for a child-oriented or goal-linked solution with patience for uneven short-term movement may find the profile more relevant than those seeking higher momentum.

Tax and exit load

Holding period	Tax rate	Description
Units held less than 1 year	20%	Short-term capital gains tax
Units held more than 1 year	12.5%	Long-term capital gains tax

Exit load: No exit load

Source data date: as of 09 Sep 2026

Frequently asked questions

What is the current NAV of UTI Children's Hybrid Fund-Direct Plan?
The current NAV is ₹41.196 as of 09 Sep 2026.

What are the fund’s 1-year, 3-year and 5-year returns?
Its 1-year return is 0.29%, 3-year return is 6.51% and 5-year return is 6.67%.

How does the fund compare with the benchmark?
It has stayed ahead of the benchmark over 1 year, 3 years and 5 years. The gap is modest over the longer periods, but the fund still shows a better return pattern than the benchmark.

Which peer fund has the strongest available returns?
SBI Children's Fund-Investment Plan Direct Growth Plan has the strongest available return figures in the peer table, with 16.76% over 1 year, 21.09% over 3 years and 21.49% over 5 years.

Does this fund have a minimum SIP requirement?
Yes. The minimum SIP is ₹500.

Who manages the fund and what is the exit load?
The fund is managed by Sachin Trivedi and Anurag Mittal. There is no exit load.

Bottom line

UTI Children's Hybrid Fund-Direct Plan shows a steadier longer-term picture than its recent 1-year result, and its 3-year and 5-year returns remain ahead of the benchmark. Against peers, the fund looks softer on raw return momentum, but its profile is more measured and less dependent on a narrow set of high-growth positions. The portfolio also shows a meaningful mix of cash-like assets, government securities and select equity and debt holdings. For investors who want a medium-risk, longer-horizon solution and can accept moderate upside in exchange for balance, the fund fits that brief better than a faster-moving alternative.

Published on 10 September 2026 at 3:36 PM IST

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RIA disclosure

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.