ICICI Prudential Bluechip Fund vs UTI Flexi Cap Fund — risk, costs and plan terms

Q: How should I read a fund comparison?

Start with the long-term CAGR (3Y, 5Y, since inception), not the 1Y — you will find the standardised figures in each AMC's monthly factsheet and on the AMFI website; we show them here only where we hold a verified source. Then compare expense ratios: a 50 bps difference compounds visibly over 10+ years. Risk profile and benchmark matter for context; a small-cap fund vs a large-cap fund is not apples-to-apples even within the same broad category.

Q: Why isn't there a 'winner' verdict?

SEBI's advertising code (and good sense) prohibits superlatives like 'best' or 'top' without standardised AMFI-compliant comparisons. We describe the schemes' characteristics — more aggressive, more conservative, cheaper, smaller — and leave the choice to you and your advisor.

Q: Can I switch from one to the other?

Yes — an inter-scheme switch within the same AMC is straightforward; across AMCs it's a redeem + buy combination. Watch for exit load (typically 1% if within 12 months), short-term capital gains tax (20% on equity if held <12 months), and the loss of any ELSS lock-in clock if applicable.

ICICI Prudential Bluechip Fund vs UTI Flexi Cap Fund

Both schemes shown here are Regular plans, whose expense ratio includes the trail commission we earn. NAV is refreshed daily from AMFI. Returns, AUM and expense ratios appear only where we hold a verified source for them — we leave a row out rather than fill it with a figure we cannot stand behind.

	ICICI Prudential Bluechip Fund	UTI Flexi Cap Fund
AMC	ICICI Prudential Mutual Fund	UTI Mutual Fund
Category	Equity — Large/Flexi · Large Cap	Equity — Large/Flexi · Flexi Cap
Risk-o-meter	Moderately high	High
Exit load	1% if redeemed < 12 months	1% if redeemed < 12 months
Benchmark	NIFTY 100 TRI	NIFTY 500 TRI
Fund manager	Anish Tawakley	Ajay Tyagi
Min SIP	₹100	₹500
Min lumpsum	₹1,000	₹5,000

ICICI Prudential Bluechip Fund

UTI Flexi Cap Fund

AMC

ICICI Prudential Mutual Fund

UTI Mutual Fund

How to read the comparison

UTI Flexi Cap Fund carries the more aggressive risk profile (High vs Moderately high). Neither scheme is 'better' in an absolute sense — pick based on which characteristics align with your goal, horizon, and temperament. SEBI's advertising code prohibits ranked superlatives without standardised AMFI-compliant data.

What to weigh before switching

Category fit: Both schemes share the same broad category — direct comparable.
Risk match: Different risk-o-meter ratings (Moderately high vs High). One will drawdown harder in a bad year.
Manager continuity: Different fund managers (Anish Tawakley vs Ajay Tyagi). Manager-driven funds can shift character with manager turnover.
Switch costs: Watch exit loads (typically 1% if within 12 months), short-term capital gains tax (20% on equity if held < 12 months), and any ELSS lock-in resets.

Frequently asked questions

How should I read a fund comparison?

Start with the long-term CAGR (3Y, 5Y, since inception), not the 1Y — you will find the standardised figures in each AMC's monthly factsheet and on the AMFI website; we show them here only where we hold a verified source. Then compare expense ratios: a 50 bps difference compounds visibly over 10+ years. Risk profile and benchmark matter for context; a small-cap fund vs a large-cap fund is not apples-to-apples even within the same broad category.

Why isn't there a 'winner' verdict?

SEBI's advertising code (and good sense) prohibits superlatives like 'best' or 'top' without standardised AMFI-compliant comparisons. We describe the schemes' characteristics — more aggressive, more conservative, cheaper, smaller — and leave the choice to you and your advisor.

Can I switch from one to the other?

Yes — an inter-scheme switch within the same AMC is straightforward; across AMCs it's a redeem + buy combination. Watch for exit load (typically 1% if within 12 months), short-term capital gains tax (20% on equity if held <12 months), and the loss of any ELSS lock-in clock if applicable.

Disclaimer

Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing. Past performance is not indicative of future returns. SEBI's advertising code prohibits ranking funds as "best" or "top" without standardised AMFI-compliant data; this page is a side-by-side characteristic comparison, not a recommendation. PSS Ventures is an AMFI-registered Mutual Fund Distributor under ARN-356973.