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2 star

UTI Unit Linked Insurance Plan - Direct Plan


1 Lakh

Investment Grown to
₹ 1.33 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.49 Lakh

Suitability:

"When you invest for five years or more, you can expect gains that beat the inflation rate as well as returns from fixed income options. But be prepared for ups and downs in your investment value along the way.

Dynamic Asset Allocation or Balanced Advantage funds invest your money in equity shares and bonds though their proportions are not fixed. The fund management team may increase of decrease the allocation to equity shares depending upon their market outlook.

These funds tend to fall less than pure equity funds when the stock markets decline because of their debt allocation. This makes them suitable for conservative equity investors.

Like for all equity-linked investments, you must invest only through the SIP route. Click here to read a primer on SIP investing.

Warning: Do not invest in this, or any other balanced hybrid fund, if you need to redeem your investment in less than five years."

Taxability of earnings:

The tax treatment of this fund may vary depending upon its asset allocation. It will be taxed in the following manner based on its average asset allocation in the last 12 months.

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund -0.37 -0.20 -1.37 1.82 -1.16 7.91 13.65 10.06 9.74 8.90 --
VR Balanced TRI 2.91 -0.84 -1.33 4.86 -2.35 12.71 21.76 17.39 15.81 11.64 --
Hybrid: Dynamic Asset Allocation 0.97 -0.27 -0.99 3.01 0.14 7.12 15.59 12.98 10.98 9.59 --
Rank within category 29 7 27 28 27 7 15 17 11 9 --
Number of funds in category 29 30 30 29 27 26 25 19 13 11 0

As on 20-Jan-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
UTI Unit Linked Insurance Plan - Direct Plan
2 star
Jan-13 13.65 10.06 9.74 0.94% 5,392
ICICI Prudential Balanced Advantage Fund - Direct Plan  | Invest Now
4 star
Jan-13 14.98 13.76 12.52 0.97% 37,879
Kotak Balanced Advantage Fund - Direct Plan  | Invest Online
4 star
Aug-18 12.95 14.43 -- 0.44% 12,750
Edelweiss Balanced Advantage Fund - Direct Plan  | Invest Online
5 star
Jan-13 18.00 18.70 15.77 0.45% 7,048
Nippon India Balanced Advantage Fund - Direct Plan  | Invest Online
4 star
Jan-13 16.26 13.47 12.97 0.76% 5,541

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 3.86 24-Mar-2020 - 31-Mar-2020 -8.06 11-Mar-2020 - 18-Mar-2020
Month 7.67 07-May-2014 - 06-Jun-2014 -17.83 20-Feb-2020 - 23-Mar-2020
Quarter 13.59 24-Sep-2020 - 24-Dec-2020 -15.14 23-Dec-2019 - 23-Mar-2020
Year 37.78 23-Mar-2020 - 23-Mar-2021 -15.63 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 10.29 10.60 0.62 0.56 0.52 -0.33
VR Balanced TRI 16.94 17.88 0.74 0.86 -- --
Hybrid: Dynamic Asset Allocation 12.67 12.26 0.74 0.81 0.63 0.67
Rank within category 17 5 14 17 6 15
Number of funds in category 19 19 19 19 19 19

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Dec-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 75
Top 10 Holdings (%) 25.45
Top 5 Holdings (%) 15.93
Top 3 Sectors (%) 21.96
Portfolio P/B Ratio 7.47
Portfolio P/E Ratio 40.00
Avg Credit Rating AAA

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 6.45% GOI 2029 GOI Securities SOV 4.73 - 5.92 4.73
new Reserve Bank of India 364-D 13/01/2022 Treasury Bills SOV 0.00 - 3.71 3.71
equal GOI 22/09/2033 GOI Securities Floating Rate Bond SOV 0.00 - 2.82 2.69
equal 7.43% National Bank Agr. Rur. Devp 31/01/2030 Debenture AAA 1.93 - 3.30 1.93
equal 6.58% Gujarat State 31/03/2027 State Development Loan SOV 0.00 - 1.90 1.87
new 5.99% LIC Housing Fin. 2025 Debenture AAA 0.00 - 1.85 1.85
equal 5.22% GOI 15/06/2025 GOI Securities SOV 0.00 - 2.02 1.84
up 6.10% GOI 2031 GOI Securities SOV 0.00 - 1.82 1.81
equal 9.56% State Bank of India Additional Tier 1 Bond AA+ 0.00 - 1.65 1.47
equal 7.09% Food Corporation of India 13/08/2031 Non Convertible Debenture AAA 0.00 - 1.42 1.39
equal 5.27% National Bank Agr. Rur. Devp 29/04/2024 Debenture AAA 0.00 - 1.42 1.39
equal 5.63% GOI 2026 GOI Securities SOV 0.00 - 1.45 1.38
down 6.91% Maharashtra State 15/09/2033 State Development Loan SOV 0.00 - 1.87 1.38
down 6.19% GOI 16/09/2034 GOI Securities SOV 1.32 - 6.41 1.32
equal 7.05% National Housing Bank 18/12/2024 Non Convertible Debenture AAA 0.32 - 1.34 1.26
new 7.61% Housing & Urban Development Corporation 22/06/2022 Debenture AAA 0.00 - 1.22 1.22
new 6.90% REC 30/06/2022 Debenture AAA 0.00 - 1.13 1.13
equal 8.24% Tamilnadu State 2025 State Development Loan SOV 0.00 - 1.08 1.00
equal 8.43% Rajasthan State 26/11/2024 State Development Loan SOV 1.00 - 1.14 1.00
equal 8.06% Kerala State 2025 State Development Loan SOV 0.99 - 1.13 0.99
new 7.59% Karnataka State 15/02/2027 State Development Loan SOV 0.00 - 0.98 0.98
equal 8.50% L&T Finance 17/02/2023 Debenture AAA 0.96 - 1.08 0.96
new 7.85% National Bank Agr. Rur. Devp 23/05/2022 Non Convertible Debenture AAA 0.00 - 0.94 0.94
equal 5.39% Gujarat State 31/03/2024 State Development Loan SOV 0.00 - 1.03 0.94
new 7.93% NTPC 2022 Non Convertible Debenture AAA 0.00 - 0.94 0.94

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
down Bajaj Finance Financial 74.73 3.52 1.98 2.61
down HDFC Bank Financial 23.39 2.78 2.03 2.18
down L&T Infotech Technology 50.84 2.53 0.96 1.94
down Infosys Technology 34.94 2.14 1.28 1.92
down Kotak Mahindra Bank Financial 37.61 2.03 1.47 1.57
down HDFC Financial 22.57 1.92 1.27 1.49
down Avenue Supermarts Services 188.32 1.51 0.00 1.46
down Coforge Technology 60.15 1.38 0.00 1.38
equal MindTree Technology 45.32 2.02 0.25 1.30
down Info Edge (India) Services 7.21 1.59 1.08 1.17
up ICICI Bank Financial 26.33 1.10 0.00 1.10
up Astral Chemicals 93.23 1.42 0.70 1.01
down Motherson Sumi Systems Automobile 28.45 1.12 0.40 0.88
down Shree Cement Construction 34.26 1.35 0.79 0.81
down AU Small Finance Bank Financial 34.92 1.34 0.53 0.79
equal Maruti Suzuki India Automobile 58.90 0.87 0.60 0.78
equal Divi's Laboratories Healthcare 51.93 0.97 0.67 0.75
down Titan Company Consumer Durable 128.43 0.80 0.52 0.73
down Havells India Engineering 67.76 0.72 0.43 0.67
up Dr. Lal Pathlabs Healthcare 62.16 1.08 0.50 0.67
down Jubilant FoodWorks Services 116.54 0.93 0.64 0.64
up Ipca Laboratories Healthcare 27.33 0.83 0.47 0.62
up Ajanta Pharma Healthcare 26.81 0.67 0.27 0.62
up Endurance Technologies Automobile 38.53 0.91 0.41 0.60
down Page Industries Textiles 107.71 0.72 0.44 0.60

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Dec-2021

Fund Manager

— Sunil Patil since 01-Dec-2021

Education: Mr. Sunil Patil is an M.Com, MFM and CA LLB-I.

Experience: He joined UTI AMC in October 1989. He has overall 31 years of experience in Primary Market Investment / Dealing and Fund Management.

Funds Managed:

— Ajay Tyagi since 02-Dec-2014

Education: Mr Tyagi has done CFA Charterholder from The CFA Institute, USA and Masters in Finance from Delhi University.

Experience: He has been working in equity research in UTI since 2000. He has also worked as Assistant Fund Manager in the Offshore Funds division.

Interviews:

Funds Managed:


-0.20%

Change from previous, NAV as on 20-Jan-2022

IDCW: ₹ 34.8097


Investment Strategy

An open-ended balance fund with an objective of investing not more than 40% of the funds in equity and equity related instrument and balance in debt and money market instruments with low to medium risk profile. Investment by and individual in the scheme is eligible for deduction from the income under section 80C of the IT Act 1661. In addition the scheme also offers Life Insurance and Accident Insurance cover.

Investment Details

Min. Investment (₹) 15,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 500
Min. No of Cheques 6
Min. Withdrawal (₹) --
Min. Balance (₹) --
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: UTI Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 9.92%
Benchmark: NIFTY 50 Hybrid Composite debt 50:50 Index
Riskometer: High
Type: Open-ended
Assets: ₹ 5,392 Cr (As on 31-Dec-2021)
Expense: 0.94% (As on 31-Dec-2021)
Risk Grade: Average
Return Grade: Below Average
Turnover: 16.00%

Contact Information

AMC: UTI Asset Management Company Ltd

Address: UTI Tower, 'GN' Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400051

Phone: 022- 66786666 / 66786354 / 1800-22-1230

Fax: 022-26523031

Email: [email protected]

Website: http://www.utimf.com

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: 303, Vamsee Estates, Opp. Big Bazaar, Ameerpet, Hyderabad - 500016

Phone: 040-44857874

Email: [email protected]

Website: www.karvymfs.com

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