5paisa Capital Ltd
Portfolio Hedging with Index Options for Mutual Fund Investors
by
5paisa Capital Ltd
29th Oct 2025
Nippon India vs UTI MF: Which Mutual Fund House is Better for You?
Nippon India Mutual Fund and UTI Mutual Fund are two of India’s most trusted AMCs (Asset Management Companies) with decades of presence in the mutual fund industry. Both fund houses have a strong reputation, diverse schemes, and a wide investor base.
As of June 2025, Nippon India Mutual Fund AUM stands at ₹6.17 lakh crore, making it one of the largest AMCs in India. On the other hand, UTI Mutual Fund AUM is ₹3.6 lakh crore, reflecting its strong legacy and trust among retail as well as institutional investors.
For investors, the comparison between Nippon India and UTI becomes essential while deciding on SIPs, equity funds, debt funds, or ELSS schemes. Let’s break down their offerings, top funds, strengths, and who should invest in each.
Invest in Indian Markets and Unlock Future Potential With 5paisa!About the AMC
| About the AMCs | Nippon India Mutual Fund | ICICI Prudential Mutual Fund |
| AUM (June 2025) | ₹6.17 lakh crore | ₹9.8 lakh crore |
| Background | One of the largest independent AMCs in India. | A joint venture between ICICI Bank and Prudential Plc. |
| Investment Strength | Known for Equity Funds and a strong retail SIP book. | Known for Hybrid Funds, Debt Funds, and risk-managed strategies. |
| Product Range | Offers innovative schemes across asset classes. | Offers consistent long-term performance with balanced investment schemes. |
| Investor Access | Strong online presence for investors to easily buy Nippon India Mutual Fund online. | Wide distribution network for easy access to invest in ICICI Prudential through 5paisa. |
Fund Categories Offered
Both Nippon India and UTI offer a wide range of investment schemes, including:
- Equity Funds – Large-cap, Mid-cap, Small-cap, Multi-cap, Flexi-cap.
- Debt Funds – Overnight, Liquid, Short Duration, Corporate Bond, Gilt.
- Hybrid Funds – Balanced Advantage, Aggressive Hybrid, Arbitrage.
- ELSS (Equity Linked Savings Schemes) – Tax-saving schemes with 3-year lock-in.
- ETFs & Index Funds – Nifty, Sensex, Gold, and International exposure.
- Fund of Funds (FoF) – Investing in overseas and domestic portfolios.
Investors can easily Buy Nippon India Mutual Fund online or Invest in UTI Mutual Fund through 5paisa and start with a minimum SIP ₹500 per month.
Top Funds – Performance Snapshot
| Nippon India Mutual Fund (NIMF) | UTI Mutual Fund (UTIMF) |
| Nippon India AMC is one of the largest fund houses in India with a presence across equity, debt, hybrid, and passive funds. It has a strong retail investor base and a robust SIP book. Investors often ask, “Is Nippon India Mutual Fund good?” The answer lies in its consistent performance in equity and hybrid funds. | UTI AMC is India’s oldest fund house with a legacy of trust. Known for disciplined fund management and strong governance, it continues to attract conservative as well as aggressive investors. Queries like “What is the AUM of UTI?” highlight its growing importance in the Indian MF space. |
Fund Categories Offered
Both Nippon India and UTI offer a wide range of investment schemes, including:
- Equity Funds – Large-cap, Mid-cap, Small-cap, Multi-cap, Flexi-cap.
- Debt Funds – Overnight, Liquid, Short Duration, Corporate Bond, Gilt.
- Hybrid Funds – Balanced Advantage, Aggressive Hybrid, Arbitrage.
- ELSS (Equity Linked Savings Schemes) – Tax-saving schemes with 3-year lock-in.
- ETFs & Index Funds – Nifty, Sensex, Gold, and International exposure.
- Fund of Funds (FoF) – Investing in overseas and domestic portfolios.
Investors can easily Buy Nippon India Mutual Fund online or Invest in UTI Mutual Fund through 5paisa and start with a minimum SIP ₹500 per month.
Top Funds – Performance Snapshot
Here’s a list of the Top 10 funds by each AMC (based on AUM and popularity):
These represent the Best Nippon India Mutual Funds 2025 and Best UTI Mutual Funds 2025, depending on investor goals.
Quickly compare mutual funds on our page and see how they perform over time.
Unique Strengths of Each AMC
Nippon India Mutual Fund Strengths
- Large Distribution Network – Nippon India AMC has one of the widest reach across Tier 2 and Tier 3 cities.
- Strong in Debt & Hybrid Funds – Popular among conservative investors.
- Trusted Fund House – Backed by Nippon Life Japan, ensuring credibility.
- SIP Popularity – Nippon India SIP book has grown steadily; schemes like Nippon India Small Cap Fund are favorites for long-term SIP investors.
- Portfolio Management Services (PMS) – Offers diversified portfolio management for HNIs.
- Variety of Investment Schemes – Equity, debt, hybrid, ELSS, and ETFs to suit every investor profile.
UTI Mutual Fund Strengths
- Legacy & Trust – As India’s oldest AMC, UTI fund house enjoys unmatched investor trust.
- Strong SIP Book – Consistent inflows into UTI Equity Funds highlight retail investor confidence.
- Equity Performance – Funds like UTI Flexi Cap Fund and UTI Nifty Index Fund have delivered solid long-term returns.
- Tax-Saving Edge – Top UTI mutual funds for tax saving like UTI ELSS Tax Saver remain popular among salaried investors.
- Stable Debt Products – UTI Debt Funds are preferred for short-term to medium-term stability.
- Digital Access – Investors can Open SIP with UTI AMC online easily through platforms like 5paisa.
Who Should Invest?
Both AMCs are suitable for different types of investors. Here’s a persona-based breakdown:
Choose Nippon India Mutual Fund if you:
- Prefer conservative debt and hybrid products.
- Want to start small with Nippon India SIP ₹500 per month.
- Value the global trust of the Nippon India fund house.
- Seek Best Nippon India equity mutual funds for long-term wealth creation.
Choose UTI Mutual Fund if you:
- Focus on consistent long-term equity performance.
- Are a salaried individual looking for Top UTI mutual funds for tax saving via ELSS.
- Want exposure to index and passive investing through UTI Equity Funds.
- Prefer stable and reliable UTI Debt Funds for short-term goals.
Conclusion
Both Nippon India AMC and UTI AMC are strong players in the Indian mutual fund industry.
Nippon India Mutual Fund is ideal for investors seeking a mix of stability, SIP-driven wealth creation, and diverse investment schemes.
UTI Mutual Fund, on the other hand, is perfect for investors who value legacy, disciplined fund management, and long-term equity growth.
Explore our options in mutual fund and find one that aligns with your financial goals.
Ultimately, the choice depends on your risk profile, investment horizon, and financial goals.
Unlock Growth with the Right Mutual Funds!
Explore top-performing mutual funds tailored to your goals.
- ZERO Commission
- Curated Fund Lists
- 1,300+ Direct Funds
- Start SIP with Ease
Trending on 5paisa
Mutual Funds and ETFs Related Articles
Expense Ratio Drag: Quantifying TER’s Long-Term Impact
by
5paisa Capital Ltd
29th Oct 2025
IDCW vs Growth: Cashflow Planning for SWP & Goal-Based Investing
by
5paisa Capital Ltd
28th Oct 2025
Children's Funds & Solution-Oriented Schemes – Are They Worth It?
by
5paisa Capital Ltd
28th Oct 2025
Disclaimer: Investment in securities market are subject to market risks, read all the related documents carefully before investing. For detailed disclaimer please Click here.