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3 star

UTI Unit Linked Insurance Plan


1 Lakh

Investment Grown to
₹ 1.07 Lakh

₹ 10000

Monthly SIP Grown to
₹ 3.70 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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(₹)
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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 0.33 0.81 -1.78 -0.74 4.85 16.45 4.22 2.28 5.51 8.38 7.06
VR Balanced TRI -6.25 1.86 -3.27 -2.93 6.46 33.60 -0.85 5.38 8.14 10.22 7.55
Hybrid: Dynamic Asset Allocation 0.21 1.22 -2.17 -2.08 4.64 20.07 3.57 3.67 6.19 10.05 7.72
Rank within category 15 23 9 3 14 18 12 12 9 6 4
Number of funds in category 23 25 25 25 25 25 23 15 12 7 6

As on 25-Sep-2020

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 4.22 2.28 5.51 1.77 4,453
ICICI Prudential Balanced Advantage Fund  | Invest Now
4 star
Dec-06 2.75 5.44 7.76 1.72 26,638
DSP Dynamic Asset Allocation Fund - Regular Plan  | Invest Online
5 star
Feb-14 4.20 5.24 7.08 2.17 1,547
IDFC Dynamic Equity Fund - Regular Plan
4 star
Oct-14 7.42 6.35 6.91 2.32 966
L&T Balanced Advantage Fund  | Invest Online
5 star
Feb-11 9.24 6.90 5.97 2.42 721

Best & Worst Performance

Best (Period) Worst (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 3.01 10.45 -0.20 -0.18 0.52 -3.36
VR Balanced TRI 7.49 17.40 0.14 0.15 -- --
Hybrid: Dynamic Asset Allocation 4.37 11.86 -0.07 -0.06 0.62 -2.24
Rank within category 14 7 15 14 6 13
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-Aug-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 72
Top 10 Holdings (%) 28.58
Top 5 Holdings (%) 19.16
Top 3 Sectors (%) 21.50
Portfolio P/B Ratio 5.50
Portfolio P/E Ratio 34.70
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 0.00 - 11.69 6.38
up 6.19% GOI 16/09/2034 GOI Securities SOV 0.00 - 4.16 4.16
equal 7.43% National Bank Agr. Rur. Devp 31/01/2030 Debenture AAA 0.00 - 3.96 3.57
down 7.27% GOI 2026 GOI Securities SOV 0.00 - 4.61 2.40
equal 9.65% Green Infra Wind Energy 2023 Debenture AA 1.15 - 2.06 1.78
up 5.77% GOI 2030 GOI Securities SOV 0.00 - 1.64 1.64
equal 8.40% Indiabulls Housing Finance 19/03/2021 Non Convertible Debenture AA 0.00 - 1.63 1.53
equal 8.43% Rajasthan State 26/11/2024 State Development Loan SOV 0.00 - 1.26 1.23
equal 8.23% IRFC 29/03/2029 Debenture AAA 1.23 - 2.74 1.23
equal 8.06% Kerala State 2025 State Development Loan SOV 0.00 - 1.25 1.22
equal 8.05% HDFC 22/10/2029 Non Convertible Debenture AAA 0.00 - 4.65 1.20
equal 9.10% Shriram Transport Finance 2021 Debenture AA+ 1.19 - 1.39 1.19
equal 7.16% GOI 20/09/2050 GOI Securities SOV 0.00 - 1.31 1.18
equal Canara Bank Debenture A+ 0.00 - 1.25 1.14
equal 8.50% L&T Infrastructre Finance 17/02/2023 Debenture AAA 0.00 - 1.29 1.14
equal 7.55% REC 2030 Debenture AAA 0.00 - 2.40 1.14
equal 5.90% Grasim Industries 16/06/2023 Zero Coupon Bonds AAA 0.00 - 1.19 1.13
equal 6.99% Nat. Highways Authority 28/05/2035 Non Convertible Debenture AAA 0.00 - 1.22 1.13
equal 6.57% GOI 2033 GOI Securities SOV 0.00 - 1.17 1.13
equal 7.41% Power Finance Corp. 25/02/2030 Debenture AAA 0.00 - 1.17 1.13
equal 5.78% Chennai Petroleum Corp. 17/07/2025 Non Convertible Debenture AAA 0.00 - 1.13 1.11
equal Indostar Capital Finance 15/03/2021 Non Convertible Debenture AA- 1.08 - 1.25 1.11
equal 9.53% Indian Bank 27/12/2029 Debenture AA- 0.00 - 1.34 1.10
equal Edelweiss Rural & Corporate Services 2021 Non Convertible Debenture A+ 0.00 - 1.15 1.08
equal 9.05% Cholamandalam Invest. & Fin. 24/03/2028 Non Convertible Debenture AA+ 0.86 - 1.09 0.89

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 37.59 3.52 1.98 2.66
down HDFC Bank Financial 20.16 2.64 1.84 2.37
down L&T Infotech Technology 27.16 1.93 0.00 1.84
equal Kotak Mahindra Bank Financial 29.05 2.01 1.27 1.78
down HDFC Financial 13.51 1.92 1.02 1.60
down Infosys Technology 25.29 1.77 1.28 1.59
down Tata Consultancy Services Technology 29.12 1.55 1.05 1.40
down Info Edge (India) Services -- 1.59 0.76 1.24
down Astral Poly Technik Chemicals 75.21 1.42 0.88 1.15
equal Avenue Supermarts Services 133.85 1.06 0.00 0.96
down Shree Cement Construction 46.14 1.35 0.79 0.91
down Endurance Technologies Automobile 39.75 0.88 0.48 0.88
equal AU Small Finance Bank Financial 29.46 1.34 0.23 0.85
down Maruti Suzuki India Automobile 48.66 1.17 0.60 0.83
down Dr. Lal Pathlabs Healthcare 77.71 1.08 0.39 0.82
down Divi's Laboratories Healthcare 50.92 0.97 0.68 0.81
down PI Industries Chemicals 57.94 0.79 0.40 0.73
down Ipca Laboratories Healthcare 28.44 0.82 0.27 0.72
up MindTree Technology 27.81 1.39 0.25 0.72
down Jubilant FoodWorks Services 227.12 0.86 0.54 0.70
down Torrent Pharmaceuticals Healthcare 40.71 0.87 0.60 0.67
down Metropolis Healthcare Healthcare 85.69 0.66 0.00 0.66
down Motherson Sumi Systems Automobile -- 1.24 0.40 0.65
down Bharti Airtel Communication -- 0.85 0.00 0.63
up Eicher Motors Automobile 43.83 0.69 0.42 0.63

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-Aug-2020

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 associated with UTI AMC for over two decades.

Interviews:

Funds Managed:


0.81%

Change from previous, NAV as on 25-Sep-2020

Dividend: ₹ 25.4452


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 (₹) --
Exit Load 0

Basic Details

Fund House: UTI Mutual Fund
Launch Date: 01-Oct-1971
Return Since Launch: 8.94%
Benchmark: CRISIL Short Term Debt Hybrid 60+40 Fund
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 4,453 Cr (As on 31-Aug-2020)
Expense: 1.77% (As on 31-Aug-2020)
Risk Grade: Below Average
Return Grade: Below Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend30-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: mf[email protected]

Website: www.karvymfs.com

Last Session

VR Helpline

What to do with your multi-cap funds

dateSaturday, 26-Sep-2020
time12:30 PM - 01:00 PM

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