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3 star

UTI Unit Linked Insurance Plan

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Hybrid: Dynamic Asset Allocation

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1 Lakh

Investment Grown to
₹ 1.17 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.16 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: 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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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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(₹)
cal
cal

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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 1.50 0.31 -1.00 0.07 0.55 11.76 29.72 5.36 8.01 9.27 8.63
VR Balanced TRI 4.08 0.19 -1.29 -1.56 1.27 20.89 52.11 11.95 13.29 12.26 10.40
Hybrid: Dynamic Asset Allocation 2.83 0.22 -0.76 -0.75 1.11 12.79 29.58 6.97 8.68 9.56 9.71
Rank within category 19 5 22 6 18 12 11 11 9 4 5
Number of funds in category 25 26 26 26 25 25 25 15 12 8 6

As on 16-Apr-2021

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
3 star
 Oct-71 29.72 5.36 8.01 1.95 4,929
ICICI Prudential Balanced Advantage Fund  | Invest Now
4 star
 Dec-06 38.13 9.45 11.12 1.76 30,284
Edelweiss Balanced Advantage Fund - Regular Plan  | Invest Online
5 star
 Aug-09 36.38 11.70 11.45 1.93 3,315
Nippon India Balanced Advantage Fund  | Invest Online
4 star
 Nov-04 33.35 8.43 11.47 2.16 3,251
DSP Dynamic Asset Allocation Fund - Regular Plan  | Invest Online
4 star
 Feb-14 25.07 8.88 9.13 1.99 3,205

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 6.53 16-Jul-2008 - 23-Jul-2008 -8.07 11-Mar-2020 - 18-Mar-2020
Month 10.48 11-May-2009 - 10-Jun-2009 -17.88 20-Feb-2020 - 23-Mar-2020
Quarter 26.01 09-Mar-2009 - 10-Jun-2009 -15.28 23-Dec-2019 - 23-Mar-2020
Year 42.94 24-Apr-2003 - 23-Apr-2004 -18.04 19-Nov-2007 - 18-Nov-2008

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.53 11.10 0.18 0.17 0.55 -3.31
VR Balanced TRI 14.30 18.13 0.54 0.62 -- --
Hybrid: Dynamic Asset Allocation 8.41 12.35 0.31 0.36 0.63 -2.21
Rank within category 14 7 13 15 7 12
Number of funds in category 17 17 17 17 17 17

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

As on 31-Mar-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 71
Top 10 Holdings (%) 29.51
Top 5 Holdings (%) 18.63
Top 3 Sectors (%) 21.80
Portfolio P/B Ratio 6.64
Portfolio P/E Ratio 44.39
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 5.70 - 9.69 5.70
new 8.20% GOI 15/02/2022 Central Government Loan SOV 0.00 - 4.21 4.21
equal Reserve Bank of India 182-D 29/04/2021 Treasury Bills SOV 0.00 - 3.07 3.04
equal 6.19% GOI 16/09/2034 GOI Securities SOV 0.00 - 7.28 3.01
equal 7.43% National Bank Agr. Rur. Devp 31/01/2030 Debenture AAA 2.11 - 3.86 2.12
new 7.15% HDFC 16/09/2021 Debenture AAA 0.00 - 2.06 2.06
new 6.90% Gujarat State 31/03/2030 State Development Loan SOV 0.00 - 2.04 2.04
new 5.14% National Bank Agr. Rur. Devp 21-D 31/01/2024 Debenture AAA 0.00 - 2.02 2.02
equal 6.85% IRFC 29/10/2040 Debenture AAA 0.00 - 3.27 2.00
equal 5.77% GOI 2030 GOI Securities SOV 0.00 - 4.38 1.95
equal 9.56% State Bank of India Additional Tier 1 Bond AA+ 0.00 - 1.65 1.59
new 5.85% GOI 2030 GOI Securities SOV 0.00 - 1.49 1.49
equal 9.10% Shriram Transport Finance 2021 Debenture AA+ 1.12 - 1.31 1.12
equal 8.43% Rajasthan State 26/11/2024 State Development Loan SOV 0.00 - 1.26 1.11
equal 8.06% Kerala State 2025 State Development Loan SOV 0.00 - 1.25 1.09
equal 8.05% HDFC 22/10/2029 Non Convertible Debenture AAA 1.08 - 1.29 1.08
equal 8.50% L&T Infrastructre Finance 17/02/2023 Debenture AAA 1.06 - 1.24 1.06
equal 7.24% REC 31/12/2022 Non Convertible Debenture AAA 0.00 - 1.16 1.05
equal 7.55% REC 2030 Debenture AAA 0.00 - 2.40 1.05
equal 7.41% Power Finance Corp. 25/02/2030 Debenture AAA 0.00 - 1.17 1.04
new 5.39% Gujarat State 31/03/2024 State Development Loan SOV 0.00 - 1.02 1.02
new 4.23% HDFC 18/02/2022 Debenture AAA 0.00 - 1.01 1.01
equal 6.99% Nat. Highways Authority 28/05/2035 Non Convertible Debenture AAA 0.00 - 1.22 1.01
equal 6.63% REC 28/01/2031 Non Convertible Debenture AAA 0.00 - 1.04 1.00
new 5.85% REC 20/12/2025 Non Convertible Debenture AAA 0.00 - 1.00 1.00

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
equal HDFC Bank Financial 24.45 2.78 1.84 2.67
equal Bajaj Finance Financial 67.10 3.52 1.98 2.65
equal L&T Infotech Technology 39.03 2.01 0.00 1.93
up Infosys Technology 30.00 1.90 1.28 1.90
equal HDFC Financial 25.70 1.92 1.02 1.85
equal Kotak Mahindra Bank Financial 36.23 2.03 1.31 1.77
equal Tata Consultancy Services Technology 36.60 1.58 1.21 1.48
equal MindTree Technology 31.07 1.39 0.25 1.27
equal Avenue Supermarts Services 193.11 1.17 0.00 1.10
equal Info Edge (India) Services 49.59 1.59 0.76 1.09
down AU Small Finance Bank Financial 28.24 1.34 0.23 1.08
equal Shree Cement Construction 53.59 1.35 0.79 1.01
equal Motherson Sumi Systems Automobile 126.93 1.08 0.40 0.91
up Astral Chemicals 120.19 1.42 0.81 0.81
equal Jubilant FoodWorks Services 230.34 0.86 0.65 0.75
equal Divi's Laboratories Healthcare 54.00 0.97 0.67 0.71
equal Indusind Bank Financial 27.74 2.38 0.39 0.69
up Maruti Suzuki India Automobile 44.03 1.04 0.60 0.68
equal Havells India Engineering 68.19 0.72 0.43 0.67
equal Titan Company Cons Durable 178.52 0.78 0.52 0.65
equal Berger Paints India Chemicals 113.06 0.87 0.31 0.59
equal Crompton Greaves Consumer Electricals Cons Durable 49.80 0.66 0.00 0.59
equal Eicher Motors Automobile 57.62 0.69 0.42 0.59
equal Page Industries Textiles 130.38 0.99 0.44 0.58
down Dr. Lal Pathlabs Healthcare 103.83 1.08 0.50 0.54

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-Mar-2021

Fund Manager

— 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:

— Amandeep Singh Chopra since 14-Dec-2006

Education: Mr. Chopra is a B.Sc. from St.Stephen's College and an MBA from FMS, Delhi.

Experience: He has been with UTI AMC since 1994 beginning with Investment Research and then moving into the area of Fund Management. Prior to this, he had an experience of 2 years of working with Aaina Exports Ltd and Stenay Ltd. He serves on the Executive Investment Committee (EIC), Valuation Committee and the Management Committee of UTI AMC Ltd. He is also a member of the Valuation Committee of the Association of Mutual Funds in India (AMFI).

Interviews:

Funds Managed:

-0.53%

Change from previous, NAV as on 19-Apr-2021

IDCW: ₹ 29.2010

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

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

Basic Details

Fund House: UTI Mutual Fund
Launch Date: 01-Oct-1971
Return Since Launch: 9.15%
Benchmark: CRISIL Short Term Debt Hybrid 60+40 Fund
Riskometer: High
Type: Open-ended
Assets: ₹ 4,929 Cr (As on 31-Mar-2021)
Expense: 1.95% (As on 31-Mar-2021)
Risk Grade: Average
Return Grade: Below Average
Turnover: 11.00%

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW30-Jun-19981.6500

 30-Jun-19971.6500
 30-Jun-19961.6500
 30-Jun-19951.6500
 30-Jun-19941.6500
 30-Jun-19931.6500
 30-Jun-19921.6000
 30-Jun-19911.4500
 30-Jun-19901.4000
 30-Jun-19891.3750
 30-Jun-19881.3500
 30-Jun-19871.3250
 30-Jun-19861.2500
 30-Jun-19851.2000
 30-Jun-19841.1500
 30-Jun-19831.0500
 30-Jun-19820.9500
 30-Jun-19810.8750
 30-Jun-19800.8500
 30-Jun-19790.8000
 30-Jun-19780.8000
 30-Jun-19770.8000
 30-Jun-19760.7000
 30-Jun-19750.7000
 30-Jun-19740.7000

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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