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2 star

UTI Unit Linked Insurance Plan


1 Lakh

Investment Grown to
₹ 1.32 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.48 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 13.81 0.07 -0.53 -0.97 2.41 9.51 17.53 9.56 8.99 8.57 10.11
VR Balanced TRI 21.05 0.95 -1.25 -3.62 0.84 9.81 27.99 16.09 15.44 11.07 13.42
Hybrid: Dynamic Asset Allocation 14.31 0.28 -0.81 -1.37 1.11 7.24 17.92 11.10 9.38 8.17 11.20
Rank within category 12 23 7 8 4 4 12 14 7 4 5
Number of funds in category 23 27 27 26 24 24 23 17 11 9 5

As on 01-Dec-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
2 star
Oct-71 17.53 9.56 8.99 1.63% 5,385
ICICI Prudential Balanced Advantage Fund  | Invest Now
4 star
Dec-06 18.28 12.64 11.23 1.69% 36,816
Kotak Balanced Advantage Fund - Regular Plan  | Invest Online
4 star
Aug-18 15.68 12.96 -- 1.78% 11,813
Edelweiss Balanced Advantage Fund - Regular Plan  | Invest Online
5 star
Aug-09 22.99 15.91 14.14 1.82% 6,331
Aditya Birla Sun Life Balanced Advantage Fund  | Invest Online
4 star
Apr-00 16.26 12.26 10.50 1.84% 6,124

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 9.73 10.59 0.56 0.50 0.52 -0.59
VR Balanced TRI 16.35 17.90 0.70 0.83 -- --
Hybrid: Dynamic Asset Allocation 11.45 12.25 0.62 0.69 0.62 -0.19
Rank within category 15 5 13 14 6 13
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 30-Nov-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 74
Top 10 Holdings (%) 25.22
Top 5 Holdings (%) 15.44
Top 3 Sectors (%) 22.58
Portfolio P/B Ratio 7.76
Portfolio P/E Ratio 45.29
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 4.77 - 6.04 4.77
equal GOI 22/09/2033 GOI Securities Floating Rate Bond SOV 0.00 - 2.82 2.73
equal 6.19% GOI 16/09/2034 GOI Securities SOV 2.11 - 6.46 2.11
equal 8.21% Haryana State 31/03/2023 State Development Loan SOV 0.00 - 2.11 1.94
equal 7.43% National Bank Agr. Rur. Devp 31/01/2030 Debenture AAA 1.94 - 3.35 1.94
equal 5.22% GOI 15/06/2025 GOI Securities SOV 0.00 - 2.02 1.85
up 6.10% GOI 2031 GOI Securities SOV 0.00 - 1.82 1.82
equal 9.56% State Bank of India Additional Tier 1 Bond AA+ 0.00 - 1.65 1.48
equal 7.09% Food Corporation of India 13/08/2031 Non Convertible Debenture AAA 0.00 - 1.42 1.40
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 1.39
equal 7.05% National Housing Bank 18/12/2024 Non Convertible Debenture AAA 0.32 - 1.34 1.27
equal 8.24% Tamilnadu State 2025 State Development Loan SOV 0.00 - 1.08 1.01
equal 8.43% Rajasthan State 26/11/2024 State Development Loan SOV 1.00 - 1.17 1.00
equal 8.06% Kerala State 2025 State Development Loan SOV 0.99 - 1.15 1.00
equal 8.50% L&T Infrastructre Finance 17/02/2023 Debenture AAA 0.96 - 1.09 0.96
equal 7.24% REC 31/12/2022 Non Convertible Debenture AAA 0.95 - 1.10 0.96
equal 5.39% Gujarat State 31/03/2024 State Development Loan SOV 0.00 - 1.03 0.94
equal 8.20% GOI 15/02/2022 Central Government Loan SOV 0.00 - 4.21 0.94
equal 7.10% Maharashtra State 2036 State Development Loan SOV 0.00 - 0.95 0.94
equal Shriram Transport Finance Company 16/06/2023 Non Convertible Debenture AA+ 0.00 - 0.99 0.93
equal 7.15% Tata Motors Finance 25/06/2024 Non Convertible Debenture AA- 0.00 - 0.98 0.93
new HDFC 30/09/2024 Debenture AAA 0.00 - 0.93 0.93
equal 4.23% HDFC 18/02/2022 Debenture AAA 0.00 - 1.02 0.93
equal 5.14% National Bank Agr. Rur. Devp 21-D 31/01/2024 Debenture AAA 0.00 - 2.03 0.93

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 85.39 3.52 1.98 3.00
down L&T Infotech Technology 57.33 2.53 0.83 2.53
down HDFC Bank Financial 24.36 2.78 2.03 2.41
down Infosys Technology 34.54 2.14 1.28 1.92
equal Kotak Mahindra Bank Financial 38.81 2.03 1.46 1.87
down HDFC Financial 23.54 1.92 1.27 1.75
down Avenue Supermarts Services 221.33 1.48 0.00 1.48
down MindTree Technology 52.02 2.02 0.25 1.32
equal Info Edge (India) Services 9.01 1.59 0.97 1.30
new Coforge Technology 62.34 1.15 0.00 1.15
equal AU Small Finance Bank Financial 31.21 1.34 0.44 0.94
equal Motherson Sumi Systems Automobile 33.75 1.12 0.40 0.93
down Shree Cement Construction 36.01 1.35 0.79 0.87
down Divi's Laboratories Healthcare 59.08 0.97 0.67 0.82
down Titan Company Consumer Durable 119.93 0.79 0.52 0.79
equal Maruti Suzuki India Automobile 52.33 0.87 0.60 0.79
equal Astral Chemicals 86.77 1.42 0.70 0.73
down Jubilant FoodWorks Services 116.65 0.93 0.65 0.72
down Havells India Engineering 71.61 0.72 0.43 0.65
equal Crompton Greaves Consumer Electricals Consumer Durable 42.18 0.70 0.27 0.64
equal Marico FMCG 56.97 0.62 0.38 0.62
down Pidilite Industries Chemicals 83.44 0.66 0.45 0.58
down Page Industries Textiles 95.85 0.77 0.44 0.58
up Berger Paints India Chemicals 85.43 0.87 0.45 0.57
equal PI Industries Chemicals 56.38 0.81 0.46 0.56

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-Oct-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:


0.07%

Change from previous, NAV as on 01-Dec-2021

IDCW: ₹ 32.9152


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: 9.28%
Benchmark: CRISIL Short Term Debt Hybrid 60+40 Fund
Riskometer: High
Type: Open-ended
Assets: ₹ 5,385 Cr (As on 31-Oct-2021)
Expense: 1.63% (As on 31-Oct-2021)
Risk Grade: Average
Return Grade: Below Average
Turnover: 3.00%

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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Time12:30 PM - 01:00 PM

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