Our Opinion
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Our Opinion
Riskometer
High
₹39.8201 -1.22%
As on 19-Mar-2026
As per SEBI's Riskometer.
Split between different types of investments
Split between categories of Equity investments
We have shifted from our proprietary CapRank classification system to SEBI’s market cap classification system with effect from 14 Jan, 2026.
|
Fund name
|
Rating |
Our Opinion |
Risk
|
Return (%) |
|
Expense Ratio (%)
|
|---|---|---|---|---|---|---|
|
UTI Unit Linked Insurance Plan
|
|
|
High
|
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1.68 |
|
 |
|
Very High
|
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1.35 |
||
 |
|
Very High
|
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1.43 |
||
|
|
High
|
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1.54 |
||
|
|
Very High
|
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1.74 |
₹5,035 Cr
--
15,000
--
500
6
About UTI Unit Linked Insurance Plan
UTI Unit Linked Insurance Plan is a hybrid mutual fund scheme of UTI Mutual Fund. Launched on October 01, 1971, it is currently managed by Anurag Mittal, Ajay Tyagi, Kamal Gada and Akash Dilip Shah. The fund has an expense ratio of 1.68% with an overall AUM (Assets Under Management) of ₹5,035 Cr.
UTI Unit Linked Insurance Plan invests in a mix of equity and fixed-income securities. The proportion of the two is dynamically managed and may keep varying depending on the market outlook of the fund manager. The fund allows minimum lumpsum investment of ₹1,000 and minimum SIP of ₹500.
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.
Suitability
Dynamic Asset Allocation funds are suitable for investors:
Note:
Capital Gains Taxation
The following tax treatment is based upon last 12-months asset allocation and may vary from other funds in the category.
Disclaimer: The tax information has been prepared on a best-effort basis using information available in the public domain and other sources that Value Research considers reliable. This is not meant as tax advice, and we advise you to consult your tax advisor before making any decision. Value Research takes no responsibility and assumes no liability for any loss or damage arising from any investment or redemption decision based on this information.
Dividend Taxation
Subscribers of Value Research Fund Advisor can conveniently invest in the low-cost direct plan of UTI Unit Linked Insurance Plan through the Value Research Fund Advisor website.
Alternatively, mutual funds can also be purchased directly from the respective fund house’s website. For example, UTI Unit Linked Insurance Plan can be bought from the UTI Mutual Fund website. In such a case, if you are investing in multiple funds from different fund houses, you will need to transact separately on each fund house’s website.
The third option is to invest offline, by seeking assistance from a mutual fund distributor. Most banks also act as mutual fund distributors, and you can approach your bank for help in completing your investment.
The latest declared NAV of UTI Unit Linked Insurance Plan, is ₹39.8201 as of 20-Mar-2026.
| Company | Percentage of Portfolio |
|---|---|
|
GOI Sec 7.18 24/07/2037 |
8.18
|
|
GOI Sec 6.68 07/07/2040 |
5.76
|
|
GOI Sec 7.32 13/11/2030 |
4.13
|
|
GOI Sec 6.48 06/10/2035 |
2.74
|
|
GOI Sec 7.10 08/04/2034 |
2.65
|
Over the past five years, UTI Unit Linked Insurance Plan has delivered an annualised return of 6.43% as of 20-Mar-2026.
The minimum investment required to start investing in UTI Unit Linked Insurance Plan is ₹15,000 for the lump sum option and ₹500 for the SIP (Systematic Investment Plan) option.
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