UTI - Unit Linked Insurance Plan
UTI Mutual Fund · Balanced Advantage · Direct plan, growth option
NAV (₹), 1 Oct 2026
45.7822
1-day change
-0.32%
1Y return
0.7%
3Y CAGR
7.2%
5Y CAGR
5.7%
Max drawdown, 5Y
−9.7%
NAV history month-end NAV, ₹ · 9 Jan 2013 to 1 Oct 2026
Returns vs Balanced Advantage median (37 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -3.0% | -3.7% |
| 3 months | -0.1% | -2.4% |
| 6 months | 6.8% | 4.5% |
| Year to date | 0.1% | -2.4% |
| 1 year | 0.7% | 0.4% |
| 3 years (CAGR) | 7.2% | 8.8% |
| 5 years (CAGR) | 5.7% | 8.4% |
| 7 years (CAGR) | 8.9% | 10.7% |
| 10 years (CAGR) | 7.6% | 9.7% |
| Since first NAV (CAGR) | 7.1% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 9.0% | 9.0% |
| 3Y rolling median | 8.8% | 12.6% |
| 3Y rolling worst | -0.7% | 6.7% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 8.0% | 11.7% |
| 5Y rolling worst | 2.7% | 4.0% |
| 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 | 0.17 | 0.35 |
| Sortino ratio | 0.24 | 0.50 |
| 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 | −17.8% | −15.3% |
| Maximum drawdown, last 10Y | −17.8% | −25.9% |
| Maximum drawdown, last 5Y | −9.7% | −9.9% |
| Current drawdown | −3.6% | −5.2% |
| Recovery time of worst fall | 177 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 1.60% a year and the Direct plan's 1.11%, a gap of 0.49%; over the last 3 years the Direct plan returned 0.70 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹11,42,951.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 29 Sep 2026: TER increased from 1.10% to 1.11% (AMFI TER disclosure)
- 25 Sep 2026: TER increased from 1.07% to 1.10% (AMFI TER disclosure)
- 22 Sep 2026: TER reduced from 1.10% to 1.07% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Anurag Mittal | 3 Nov 2025 | |
| Ajay Tyagi | 1 Dec 2014 | |
| Kamal Gada | 8 Apr 2025 | |
| Akash Shah | 12 Jan 2026 |
Objective: Investment objective of the scheme is primarily to provide return through growth in the NAV or through dividend distribution (IDCW) and reinvestment thereof. Amounts collected under the scheme shall generally be invested as follows: (a) Not less than 60% of the funds in debt instruments with low to medium risk profile. (b) Not more than 40% of the funds in equities and equity related instruments
Stated asset allocation: Debt: 60-100% Equity: 0-40%
Benchmark (tier 1): Nifty 50 Hybrid Composite Debt 50:50 Index
Exit load: If withdrawn prematurely – 2% On or after maturity – Nil
Minimum application: Minimum target amount under the scheme is 15000 which is required to be invested over 10/15 year period.
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | 1.11% | 1.04% |
| AUM, whole scheme (₹ crore) | 4,930 | 2,109 |
| Riskometer | High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 1.5% | -2.7% TRI |
| Return, 3 years (AMFI) | 7.3% | 6.0% TRI |
| Return, 5 years (AMFI) | 5.8% | 6.0% TRI |
| Month-ends above category median (3Y CAGR) | 7% | 44% median |
| Month-ends in category top quartile (3Y) | 0% | 16% median |
| 7Y rolling CAGR, median (monthly windows) | 8.1% | 11.3% median |
Official benchmark: NIFTY 50 Hybrid Composite Debt 50:50 Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Balanced Advantage Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 0.1% | n/a | – |
| 2025 | 5.1% | n/a | – |
| 2024 | 12.2% | n/a | – |
| 2023 | 12.8% | n/a | – |
| 2022 | -1.6% | n/a | – |
| 2021 | 15.4% | n/a | – |
| 2020 | 14.9% | n/a | – |
| 2019 | 0.8% | n/a | – |
| 2018 | 3.1% | n/a | – |
| 2017 | 17.8% | 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 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,21,157 | 1.8% |
| 3 years | ₹3,60,000 | ₹3,85,613 | 4.5% |
| 5 years | ₹6,00,000 | ₹7,02,546 | 6.2% |
| 10 years | ₹12,00,000 | ₹17,67,110 | 7.5% |
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: Direct · Growth
AMFI scheme code: 120784
ISIN:
First NAV in MFIC data: 9 Jan 2013
History: 13.7 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
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 | 11.0% |
| Axis Aggressive Hybrid Fund | Aggressive Hybrid | 0.95 | 8.6% |
| WhiteOak Capital Balanced Hybrid Fund | Balanced Hybrid | 0.95 | n/a |
| UTI Balanced Advantage Fund | Balanced Advantage | 0.95 | 7.4% |
| UTI Conservative Hybrid Fund | Conservative Hybrid | 0.95 | 7.3% |
| 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 Direct plan (growth option) was ₹45.7822 on 1 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 37 Balanced Advantage schemes (Direct plans).
- What returns has UTI - Unit Linked Insurance Plan delivered?
- Over one year the NAV changed by 0.7%. The 3-year CAGR is 7.2% (category median 8.8%) and the 5-year CAGR is 5.7% (category median 8.4%). 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 8.8%, the lowest was -0.7%, and 100% 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 17.8%; within the last five years it was 9.7% (category median 9.9%).
- 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 ₹7,02,546 on 1 Oct 2026, an annualised return (XIRR) of 6.2%. This uses the Direct plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of UTI - Unit Linked Insurance Plan?
- The total expense ratio of the Direct plan is 1.11% a year, as disclosed to AMFI (median of Balanced Advantage Direct plans: 1.04%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is UTI - Unit Linked Insurance Plan?
- Assets under management of the whole scheme were ₹4,930 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of UTI - Unit Linked Insurance Plan?
- AMFI lists the scheme's riskometer as “High”, and its benchmark's as “High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of UTI - Unit Linked Insurance Plan and how has it compared?
- Its official benchmark is the NIFTY 50 Hybrid Composite Debt 50:50 Index. Over 3 years AMFI reports a return of 7.3% for this plan against 6.0% for the benchmark total return index; over 5 years 5.8% against 6.0%. Past performance does not indicate future results.
- How often has UTI - Unit Linked Insurance Plan beaten its category?
- At 7% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Balanced Advantage schemes (Direct plans); it was in the top quarter at 0% of them. A typical scheme would show about 50%.
- Who manages UTI - Unit Linked Insurance Plan?
- According to its Scheme Summary Document, UTI - Unit Linked Insurance Plan is managed by Anurag Mittal (since 3 Nov 2025), Ajay Tyagi (since 1 Dec 2014), Kamal Gada (since 8 Apr 2025), Akash Shah (since 12 Jan 2026).
- What is the exit load of UTI - Unit Linked Insurance Plan?
- As stated in its scheme documents: If withdrawn prematurely – 2% On or after maturity – Nil Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in UTI - Unit Linked Insurance Plan?
- The minimum application amount is Minimum target amount under the scheme is 15000 which is required to be invested over 10/15 year period.. SIP details: SIP - M-500/Q-1500 SWP - M-500/Q-1500 STP - M-1000/Q-3000.
- 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 1 Oct 2026. Category medians use Direct 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.