UTI Nifty 50 Index Fund vs HDFC Nifty 50 Index Fund
For two funds tracking Nifty 50, the benchmark exposure is the starting similarity. The practical comparison is tracking difference, tracking error, cost and operational fit—not a claim that one manager will pick superior stocks. Use the same plan, option and measurement dates.
By Ash · Comparison framework revised 1 October 2026. Product documents below identify the source; this is not a personalized quote or a performance ranking.
The decision that matters for this pair
Tracking difference is the return gap against the benchmark over a period; tracking error concerns variation in that gap. They are not interchangeable. Compare them together with the expense ratio and cash levels. Published NAV returns already include fund expenses, so subtracting the expense ratio again double-counts cost.
Compare these fields side by side
Save both source documents with their effective date. Populate the fields below from those documents, and write down a question wherever a condition is unclear. Do not substitute an advertisement for a missing contractual term.
- Exact scheme, plan and option
- Mandate and benchmark
- Same-date portfolio and riskometer
- Current expense ratio
- Same-period returns and drawdown
- Exit-load and subscription conditions
A worked example: risk and recovery
Consider a hypothetical ₹2 lakh equity holding that falls 25% to ₹1.5 lakh. It needs a 33.3% gain—not 25%—to return to ₹2 lakh. This is a risk illustration, not either fund's historical drawdown. A recent winning return does not remove that exposure; keep money needed soon outside a strategy that can experience such a fall.
When the comparison is not like for like
A direct growth plan cannot be compared fairly with a regular distribution option by looking at one NAV or one return percentage. If mandates differ, decide the portfolio role first. If switching existing units, include any tax and exit-load effects separately from the choice of where to invest new money.
Official product documents
Questions before you decide
Which one should I choose?
Tracking difference is the return gap against the benchmark over a period; tracking error concerns variation in that gap. They are not interchangeable. Compare them together with the expense ratio and cash levels. Published NAV returns already include fund expenses, so subtracting the expense ratio again double-counts cost.
Why is there no recent-return winner?
A fair return comparison needs identical dates, plan and option, with its benchmark and risk context. This page does not publish unsupported performance numbers or predict which fund will outperform.