UTI - Unit Linked Insurance Plan
UTI Mutual Fund · Balanced Advantage · Regular plan, growth option
NAV (₹), 2 Oct 2026
42.0200
1-day change
-0.32%
1Y return
0.1%
3Y CAGR
6.5%
5Y CAGR
5.0%
Max drawdown, 5Y
−10.1%
NAV history month-end NAV, ₹ · 3 Apr 2006 to 1 Oct 2026
Returns vs Balanced Advantage median (39 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -3.0% | -3.8% |
| 3 months | -0.2% | -2.6% |
| 6 months | 6.5% | 3.9% |
| Year to date | -0.3% | -3.3% |
| 1 year | 0.1% | -0.9% |
| 3 years (CAGR) | 6.5% | 7.5% |
| 5 years (CAGR) | 5.0% | 7.1% |
| 7 years (CAGR) | 8.1% | 9.3% |
| 10 years (CAGR) | 6.9% | 8.3% |
| Since first NAV (CAGR) | 5.1% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 6.3% | 7.5% |
| 3Y rolling median | 6.5% | 11.0% |
| 3Y rolling worst | -5.8% | 5.1% |
| 3Y periods positive | 90% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 5.9% | 10.5% |
| 5Y rolling worst | -0.7% | 2.7% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 7.0% | 9.2% |
| Sharpe ratio | 0.08 | 0.17 |
| Sortino ratio | 0.11 | 0.25 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −29.8% | −15.4% |
| Maximum drawdown, last 10Y | −18.5% | −26.0% |
| Maximum drawdown, last 5Y | −10.1% | −10.3% |
| Current drawdown | −3.7% | −5.5% |
| Recovery time of worst fall | 393 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -0.3% | n/a | – |
| 2025 | 4.4% | n/a | – |
| 2024 | 11.4% | n/a | – |
| 2023 | 12.0% | n/a | – |
| 2022 | -2.4% | n/a | – |
| 2021 | 14.6% | n/a | – |
| 2020 | 14.0% | n/a | – |
| 2019 | 0.2% | n/a | – |
| 2018 | 2.5% | n/a | – |
| 2017 | 17.1% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 2 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,20,781 | 1.2% |
| 3 years | ₹3,60,000 | ₹3,81,791 | 3.9% |
| 5 years | ₹6,00,000 | ₹6,90,189 | 5.5% |
| 10 years | ₹12,00,000 | ₹17,00,332 | 6.8% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: UTI Mutual Fund
Category: Balanced Advantage
Plan / option: Regular · Growth
AMFI scheme code: 100646
ISIN:
First NAV in MFIC data: 3 Apr 2006
History: 20.5 years
Expense ratio, AUM, portfolio: see the scheme's factsheet
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| WhiteOak Capital Balanced Advantage Fund | Balanced Advantage | 0.96 | 9.3% |
| Axis Aggressive Hybrid Fund | Aggressive Hybrid | 0.95 | 7.4% |
| WhiteOak Capital Balanced Hybrid Fund | Balanced Hybrid | 0.95 | n/a |
| UTI Balanced Advantage Fund | Balanced Advantage | 0.95 | 6.0% |
| UTI Conservative Hybrid Fund | Conservative Hybrid | 0.94 | 6.7% |
| Canara Robeco Balanced Advantage Fund | Balanced Advantage | 0.94 | n/a |
Questions about UTI - Unit Linked Insurance Plan
- What is the latest NAV of UTI - Unit Linked Insurance Plan?
- The NAV of the Regular plan (growth option) was ₹42.0200 on 2 Oct 2026, as published by AMFI.
- Which category is UTI - Unit Linked Insurance Plan in?
- It is classified as Balanced Advantage in AMFI's daily NAV file; a Balanced Advantage scheme changes its equity and debt mix dynamically. MFIC compares it with 39 Balanced Advantage schemes (Regular plans).
- What returns has UTI - Unit Linked Insurance Plan delivered?
- Over one year the NAV changed by 0.1%. The 3-year CAGR is 6.5% (category median 7.5%) and the 5-year CAGR is 5.0% (category median 7.1%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 6.5%, the lowest was -5.8%, and 90% of 3-year periods ended with a gain.
- What was the largest fall in UTI - Unit Linked Insurance Plan's NAV?
- The largest peak-to-trough fall in its available history was 29.8%; within the last five years it was 10.1% (category median 10.3%).
- How volatile is UTI - Unit Linked Insurance Plan?
- Its annualised standard deviation of monthly returns over the last 36 months is 7.0%, which is below the Balanced Advantage category median of 9.2%.
- What would a monthly SIP in UTI - Unit Linked Insurance Plan have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹6,90,189 on 2 Oct 2026, an annualised return (XIRR) of 5.5%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 0.7% and the Regular plan's by 0.1%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
Integrato's team can walk you through how your current schemes have behaved, using the same data shown here. Integrato is an AMFI-registered Mutual Fund Distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 2 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.