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UTI - Unit Linked Insurance

Q: What is the NAV of UTI - Unit Linked Insurance?

As of 05 Oct 2026, the NAV of UTI - Unit Linked Insurance is ₹42.11 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

Q: What returns has UTI - Unit Linked Insurance delivered?

UTI - Unit Linked Insurance has returned +0.16% over 1 year, +6.63% per year over 3 years, +4.93% per year over 5 years and +5.08% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

Q: What is the expense ratio of UTI - Unit Linked Insurance?

UTI - Unit Linked Insurance charges an expense ratio of 1.60% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

Q: What are the top holdings of UTI - Unit Linked Insurance?

UTI - Unit Linked Insurance's largest holdings are 07.18% GSEC MAT -24/07/2037 (7.9%), 07.32% GSEC MAT -13/11/2030 (4.0%), ETERNAL LIMITED (2.8%), ICICI BANK LTD (2.6%) and 7.24% GSEC MAT- 18/08/2055 (2.5%). Holdings are disclosed monthly and change over time.

Q: How risky is UTI - Unit Linked Insurance?

UTI - Unit Linked Insurance is rated high on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 5.7% and its worst peak-to-trough fall in our sample was -29.8%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

Q: What does the Sharpe ratio of 0.02 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. UTI - Unit Linked Insurance's 0.02 means it has rewarded its volatility with excess return. Higher is better.

Q: What is the benchmark of UTI - Unit Linked Insurance?

UTI - Unit Linked Insurance is benchmarked against the Nifty 50 Hybrid Composite Debt 50:50 Index. Its alpha and beta on this page are measured against that index.

Q: Who manages UTI - Unit Linked Insurance?

UTI - Unit Linked Insurance is managed by Anurag Mittal, Ajay Tyagi, Kamal Gada and Akash Dilip Shah at UTI.

Q: How is UTI - Unit Linked Insurance taxed?

UTI - Unit Linked Insurance is an equity-oriented fund, so its capital gains get concessional rates: short-term gains (units held under 1 year) are taxed at 20%, and long-term gains (held 1 year or more) at 12.5% above a ₹1.25 lakh per-year exemption. These rates apply on redemption and don't add to your income-tax slab.

UTI Mutual Fund · Best Balanced Advantage Mutual Funds

NAV

₹42.11

+0.22% 1D

as of 05 Oct 2026

This is the Regular plan of UTI - Unit Linked Insurance — bought through a distributor, whose commission is paid out of its expense ratio. Income is retained in the fund, so it shows up as NAV rather than as a payout.

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Performance

-0.25%absolute

52-week rangePrev NAV ₹42.02

Latest ₹42.11

Low ₹39.1166th percentile of its 52-week rangeHigh ₹43.63

Scorecard

★★★☆☆3/5 vs 30 of 36 Dynamic Asset Allocation or Balanced Advantage peers

Performance 60%
Risk 15%
Cost 10%
Downside 15%

How this is computed

Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. The stars weight the same ground 60/15/10/15 (performance/risk/cost/downside) across every fund in the peer group. Ranked within Dynamic Asset Allocation or Balanced Advantage (same plan and option). 30 of the 36 Dynamic Asset Allocation or Balanced Advantage funds in this cohort carry the full record the stars need, so they are the ones ranked against.

PerformanceBelow avg

3Y CAGR +6.63% · ranks 21 of 30 Dynamic Asset Allocation or Balanced Advantage funds

RiskLow

Volatility 5.7% vs 8.5% category avg

CostLow

1.6% expense vs 2.3% category avg

ConsistencyModerate

89% of rolling 3Y windows were positive

Strengths & concerns

Generated from this fund's own numbers against its sub-category — each point names the figure behind it.

Strengths

Ahead of the Dynamic Asset Allocation or Balanced Advantage average on 1M/3M/6M/1Y — 1Y by 0.94pp
Less volatile than its Dynamic Asset Allocation or Balanced Advantage peers (5.7% vs 8.5%)
Low expense ratio (1.60%) vs the Dynamic Asset Allocation or Balanced Advantage average of 2.32%

Concerns

3-year return (+6.63%) trails the Dynamic Asset Allocation or Balanced Advantage average (+7.60%)
5-year return (+4.93%) trails the Dynamic Asset Allocation or Balanced Advantage average (+7.20%)
Weaker risk-adjusted returns — Sharpe 0.02 below the Dynamic Asset Allocation or Balanced Advantage average of 0.14

Key Metrics

Annual fee charged by the fund, already deducted from NAV

1.60%

Category 2.32%▼0.72%

Portfolio-weighted harmonic mean P/E across the fund's equity holdings

33.39

Category —

Excess return per unit of total volatility (rf = 6.5%)

0.02

Category 0.14▼0.12

Scheme Info

Definitions

Plan

Regular · Growth

Period before units can be redeemed — 3 years for ELSS, none for most open-ended funds

None

Exit Load

2.00%

Statutory levy on every mutual-fund purchase since 1 Jul 2020 (SEBI / Govt of India) — the same for every scheme

0.005%

SIP Inv.

Allowed

Smallest recurring SIP instalment the scheme accepts

₹500

Smallest one-time (lumpsum) investment the scheme accepts

₹15,000

Nifty 50 Hybrid Composite Debt 50:50 Index

Start of our NAV history for this plan. Direct plans begin 1 Jan 2013, so this is the plan's inception — not necessarily the scheme's original launch date.

03 Apr 2006

Period returns (<1Y, absolute — not annualized)

Definitions

Absolute return over the last 1 month (not annualized)

-2.40%

Absolute return over the last 3 months (not annualized)

-0.62%

Absolute return over the last 6 months (not annualized)

+6.90%

Absolute return since 1 Jan of this year (not annualized)

-0.13%

Annualized returns (≥1Y — CAGR)

Definitions

1-year point-to-point return, annualized (CAGR)

+0.16%

3-year annualized return (CAGR)

+6.63%

5-year annualized return (CAGR)

+4.93%

10-year annualized return (CAGR)

+6.80%

Annualized return (CAGR) since the first NAV we hold for this plan — the Inception date under Key metrics. AMFI's history starts in April 2006, so an older scheme is measured from there.

+5.08%

Advanced metrics — risk and benchmark ratios

Risk (trailing 3Y)

Definitions

Annualized standard deviation of daily returns

5.67%

Excess return per unit of total volatility (rf = 6.5%)

0.02

Excess return per unit of downside deviation — upside swings aren't penalized (rf = 6.5%)

0.03

Largest peak-to-trough decline over full history

-29.81%

Benchmark ratios (vs Nifty 50 TRI · 36 monthly returns)

Definitions

Jensen's alpha (annualized): return above what CAPM predicts for the fund's beta vs Nifty 50 TRI

0.07%

Sensitivity to Nifty 50 TRI moves; 1 = moves with the index

0.46

How much of the fund's movement Nifty 50 TRI explains

85.7%

Excess return per unit of beta (market risk)

0.33

Active return over the benchmark per unit of tracking error

0.06

Annualized std dev of fund-minus-benchmark returns

8.06%

Fund's share of benchmark gains in up months (100 = matches index)

55.6%

Fund's share of benchmark losses in down months (lower is better)

36.5%

Computed vs the Nifty 50 TRI over the last 36 complete months — the closest match to this fund's mandate. TRI means dividends reinvested, as they are in the fund's own NAV; ₹ means a US index converted at each day's USD/INR, since the fund is priced in rupees. Needs ~3 years of history; a low R² means the fund tracks the index loosely.

Fund vs category average (Dynamic Asset Allocation or Balanced Advantage)

Period	Fund	Category avg.	Diff
1M abs	-2.40%	-3.08%	+0.68%
3M abs	-0.62%	-2.51%	+1.89%
6M abs	+6.90%	+4.30%	+2.60%
1Y CAGR	+0.16%	-0.78%	+0.94%
3Y CAGR	+6.63%	+7.60%	-0.97%
5Y CAGR	+4.93%	+7.20%	-2.27%

Category average across peers in Dynamic Asset Allocation or Balanced Advantage (up to 36 funds with data), same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).

Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.

Category rank

Vs 36 peers in Dynamic Asset Allocation or Balanced Advantage

1Y return

+0.16%

Beats 65.7% · rank #13

3Y return

+6.63%

Beats 31% · rank #21

5Y return

+4.93%

Beats 10.5% · rank #18

Sharpe

0.02

Beats 31% · rank #21

Sortino

0.03

Beats 31% · rank #21

Backtest this fund

What a SIP or one-time investment would have grown to over this fund’s real NAV history.

Monthly investment (₹)

Period

Invested

₹6.00L

Current value

₹6.88L

Absolute

+14.72%

XIRR

+5.61%

Value vs. invested

ValueInvested

60 monthly installments of ₹10,000 into UTI - Unit Linked Insurance, valued at the latest NAV. XIRR annualizes for each installment’s timing.

Calendar-year returns

What the fund actually returned in each year, not the smoothed average.

Year	Fund	Nifty 50 TRI	Diff
2026part	-0.13%	-12.85%	+12.72%
2025	+4.45%	+11.97%	-7.52%
2024	+11.45%	+10.16%	+1.29%
2023	+11.96%	+21.69%	-9.73%
2022	-2.37%	+5.68%	-8.05%
2021	+14.58%	+25.49%	-10.91%
2020	+14.03%	+16.57%	-2.54%
2019	+0.24%	+13.43%	-13.19%
2018	+2.55%	+4.40%	-1.85%
2017	+17.07%	+30.12%	-13.05%

January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in; those years show no benchmark comparison.

History points

5,043

Expense ratio

1.60%

AUM

₹4,943Cr

YTM (from holdings)

7.45%

Average maturity

6.60 years

Exit load

If withdrawn prematurely – 2% On or after maturity – Nil

Portfolio, AUM & scheme details shown from another plan of this scheme (same underlying portfolio).

P/E ratio

33.4

P/B ratio

6.8

Avg market cap

₹3,32,075Cr

P/E & P/B are portfolio-weighted harmonic means across 42 of 45 equity holdings (38% of the portfolio); loss-making companies are excluded.

Taxation

Taxed as equity

This is an equity-oriented fund (≥65% in Indian equities), so gains get the concessional capital-gains rates below — they do not add to your income-tax slab.

Short-term (STCG)

20%

Held under 1 year

Flat, on the whole gain

Long-term (LTCG)

12.5%

Held 1 year or more

On gains above ₹1.25 L per financial year

Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.

Peer comparison · Dynamic Asset Allocation or Balanced Advantage

Compare all


UTI - Unit Linked InsuranceThis fund UTI · Regular · Growth	★★★☆☆	+0.16%	+6.63%	+4.93%	—	1.60%	₹4,943Cr
quant Dynamic Asset Allocation Fund quant · Regular · Growth	★★★★☆	-3.35%	+11.39%	—	—	3.00%	₹902.64Cr
Aditya Birla Sun Life Balanced Advantage Fund Aditya Birla Sun Life · Regular · Growth	★★★★☆	+3.36%	+9.86%	+8.32%	—	1.95%	₹9,211Cr
Baroda BNP Paribas Balanced Advantage Fund Baroda BNP Paribas · Regular · Growth	★★★★☆	+1.76%	+9.80%	+8.79%	—	2.04%	₹4,798Cr
ICICI Prudential Balanced Advantage Fund ICICI Prudential · Regular · Growth	★★★★★	+1.06%	+9.67%	+9.23%	—	1.56%	₹70,787Cr
HDFC Balanced Advantage Fund HDFC · Regular · Growth	★★★★☆	-3.14%	+9.66%	+12.25%	—	1.31%	₹1,04,783Cr

Market-cap allocation · AMFI bands, Jul 2026

Equity holdings by company size — 100% of the equity sleeve priced.

Large cap62.4%
Mid cap29.8%
Small cap7.8%

Asset allocation

As on 31 Aug 2026 · AMC disclosure

Debt52.35%
Equity39.01%
Cash & Equivalents8.61%

Holds the same stocks as (by portfolio overlap, not by category)

Compare the top 3 →

Fund	Overlap	Rating	TER	3Y
UTI - Flexi Cap Fund. UTI · Flexi Cap Fund	90.3%	★★☆☆☆	1.16%	+7.25%
UTI Children's Equity Fund UTI · Children’s Fund	44.5%	★★★☆☆	1.39%	+6.22%
Invesco India ESG Integration Strategy Fund Invesco · Sectoral/ Thematic	44.2%	★★☆☆☆	1.28%	+8.18%
UTI Children's Hybrid Fund UTI · Children’s Fund	43.8% of 38% equity	★★☆☆☆	1.51%	+5.97%
WhiteOak Capital ESG Best-In-Class Strategy Fund WhiteOak Capital · Sectoral/ Thematic	43.7%	★★☆☆☆	0.98%	—
UTI - India Consumer Fund UTI · Sectoral/ Thematic	43.2%	★☆☆☆☆	1.72%	+8.42%
UTI Balanced Advantage Fund UTI · Dynamic Asset Allocation or Balanced Advantage	41.9% of 68% equity	★★☆☆☆	0.91%	+7.68%
UTI Focused Fund (30 stocks) UTI · Focused Fund	41.5%	★★☆☆☆	1.14%	+9.04%

Overlap is the share of each fund's equity book invested in the same stocks, by weight, across the Direct-plan universe — so a fund that is only part equity is labelled as such. ! marks a pair holding more in common than nine pairs in ten of its type, where that type has a measured distribution.

Worst falls, and the wait to get back

How far this fund has dropped from a high, and how long it took to reclaim it.

-29.8%04 Jan 2008 → 27 Oct 2008
Fell over 10 months, back to the old high on 24 Nov 2009 — 13 months under water after the low.
-20.8%09 Nov 2010 → 28 Aug 2013
Fell over 2.8 years, back to the old high on 27 Aug 2014 — 12 months under water after the low.
-18.5%27 Aug 2018 → 23 Mar 2020
Fell over 1.6 years, back to the old high on 12 Oct 2020 — 7 months under water after the low.

Measured on this fund’s own NAV history, peak to trough to the day it regained the peak. Falls shallower than 5% are left out. A recovery date is when the NAV got back, not when any particular investor did — that depends on when they bought.

Fund size over time

Quarterly average AUM · AMFI

₹4,943Cr

April - June 2026

-2%

since January - March 2026

+₹14.39Cr

est. net flow, last quarter

At or near its largest, ₹5,043Cr in January - March 2026. Size matters most where the mandate is narrow — a large small-cap or a very large flexi-cap book is harder to move without moving the price.

Net flow is an estimate: AMFI publishes a quarterly average AUM, not a closing balance, and it covers every plan and option of this scheme together, so it is a read on direction and rough size rather than a cash-flow statement.

AMC Profile

UTI Mutual Fund descends from the Unit Trust of India, which was effectively the whole Indian mutual fund industry from 1963 until private managers were allowed in. It was carved out as a SEBI-registered fund house in 2003, is listed on the exchanges, and is held by SBI, LIC, Bank of Baroda, PNB and T. Rowe Price rather than a single parent.

Launched

13 Nov 2002

Total AUM

₹3,92,691Cr+1.1% QoQ

Avg AUM · April - June 2026

Website

utimf.com

Fund Managers

AMAnurag MittalManaging since 03 Nov 2025

Role

Executive Vice President & Head- Fixed Income

Education

B Com, MSc, B.Com from University of Delhi, Chartered Accountant

Experience

He is B.Com from holder from Institute of working with Bandhan had been associated with has total work

Funds managed (16)

All schemes Anurag Mittal runs →

ATAjay TyagiManaging since 01 Dec 2014

Role

CFA Senior Executive Vice President & Head-Equity

Education

CFA

Experience

He joined UTI AMC in the year 2000 and has been working in the Equity Research and Fund Management functions since then. He is presently working as a Fund Manager and Head of Equity in the Equity Fund Management Team where he manages a few domestic mutual fund schemes. He is also an Investment Advisor to a few India dedicated offshore funds. Prior to being designated as a Fund Manager he has worked as an Assistant Fund Manager in the Offshore Funds division.

Funds managed (2)

All schemes Ajay Tyagi runs →

KGKamal GadaManaging since 08 Apr 2025

Role

Senior Vice President- Equity

Education

B.com, CA, CS, CFA

Experience

He is the Vice President - Equity. He completed CA from ICAI and has cleared Level 3 of CFA from CFA Institute, USA. He graduated in Bachelor of Commerce in 2003 from Mumbai University. He began his career with BPCL as Senior Accounts Officer in 2004. Kamal joined UTI AMC in 2008 as Research Analyst. Presently he is Fund Manager for UTI Healthcare Fund as well as covers Pharma and Chemicals sector. He has over 16 years of experience in Equity Research. May 2025

Funds managed (3)

All schemes Kamal Gada runs →

ASAkash Dilip ShahManaging since 12 Jan 2026

Role

Associate Vice President Equity

Fund managers from the AMC's filed Scheme Summary — its most recent filing for this scheme. Benchmark and dealing terms from it and this scheme's SEBI-filed Scheme Information Document on AMFI. Each manager's qualifications and role are reconciled across every filing this fund house makes for them, including its Statement of Additional Information. Total AUM via AMFI.

Explore from here

Fund managers

Anurag Mittal Ajay Tyagi Kamal Gada

Top holdings

ETERNAL LIMITED ICICI BANK LTD BAJAJ FINANCE LTD.HDFC BANK LIMITED TITAN COMPANY LTD.COFORGE LTD DIXON TECHNOLOGIES (INDIA) LTD INFO-EDGE (INDIA) LTD.PERSISTENT SYSTEMS LTD.KOTAK MAHINDRA BANK LTD.BHARTI AIRTEL LTD.AVENUE SUPERMARTS LTD.

UTI in the news

Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.

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Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.

About Balanced Advantage funds

Balanced advantage (dynamic asset allocation) funds move between equity and debt based on market valuations, adding more stocks when they look cheap and trimming when they look dear. The goal is a smoother ride.

Frequently asked questions

What is the NAV of UTI - Unit Linked Insurance?

As of 05 Oct 2026, the NAV of UTI - Unit Linked Insurance is ₹42.11 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

What returns has UTI - Unit Linked Insurance delivered?

UTI - Unit Linked Insurance has returned +0.16% over 1 year, +6.63% per year over 3 years, +4.93% per year over 5 years and +5.08% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

What is the expense ratio of UTI - Unit Linked Insurance?

UTI - Unit Linked Insurance charges an expense ratio of 1.60% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

What are the top holdings of UTI - Unit Linked Insurance?

UTI - Unit Linked Insurance's largest holdings are 07.18% GSEC MAT -24/07/2037 (7.9%), 07.32% GSEC MAT -13/11/2030 (4.0%), ETERNAL LIMITED (2.8%), ICICI BANK LTD (2.6%) and 7.24% GSEC MAT- 18/08/2055 (2.5%). Holdings are disclosed monthly and change over time.

How risky is UTI - Unit Linked Insurance?

UTI - Unit Linked Insurance is rated high on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 5.7% and its worst peak-to-trough fall in our sample was -29.8%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

What does the Sharpe ratio of 0.02 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. UTI - Unit Linked Insurance's 0.02 means it has rewarded its volatility with excess return. Higher is better.

What is the benchmark of UTI - Unit Linked Insurance?

UTI - Unit Linked Insurance is benchmarked against the Nifty 50 Hybrid Composite Debt 50:50 Index. Its alpha and beta on this page are measured against that index.

Who manages UTI - Unit Linked Insurance?

UTI - Unit Linked Insurance is managed by Anurag Mittal, Ajay Tyagi, Kamal Gada and Akash Dilip Shah at UTI.

How is UTI - Unit Linked Insurance taxed?

UTI - Unit Linked Insurance is an equity-oriented fund, so its capital gains get concessional rates: short-term gains (units held under 1 year) are taxed at 20%, and long-term gains (held 1 year or more) at 12.5% above a ₹1.25 lakh per-year exemption. These rates apply on redemption and don't add to your income-tax slab.