UTI Unit Linked Insurance Plan

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Value Research Rating

1 star

Analyst’s Choice

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Riskometer

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High

₹37.0016 0.01%

As on 21-May-2024

Returns

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Calculate SIP Returns of UTI Unit Linked Insurance Plan

Upfront Investment

Monthly SIP Amount

Investment Duration

years

Risk info

This fund has High risk.

low
Low to Moderate
Moderate
Moderately High
High
Very High

As per SEBI's Riskometer.

Portfolio of UTI Unit Linked Insurance Plan

Asset Allocation

Split between different types of investments

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Market Cap Weightage

Split between categories of Equity investments

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Peer Comparison

Other details of UTI Unit Linked Insurance Plan

Assets info

₹5,290 Cr

Exit Load (Days) info

--

Min. Investment (₹)

15,000

Min. Withdrawal (₹)

--

Min. SIP Investment (₹)

500

Min. No of Cheques

6

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

"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 dynamic asset allocation fund, if you need to redeem your investment in less than five years."

Capital Gains Taxation

Tax treatment depends upon last 12-month average equity allocation and may vary from fund to fund in the category.

  • 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.

Dividend Taxation

  • 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.

FAQ for UTI Unit Linked Insurance Plan

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.

Mutual funds can be bought directly from the website of the fund house. For instance, UTI Unit Linked Insurance Plan fund can be purchased from the website of UTI Mutual Fund. You can also buy mutual funds through platforms like MF Central, MF Utility, among others. However, if you are not comfortable buying mutual funds online, you can seek help of a mutual fund distributor. Most banks also act as mutual fund distributors. So you can connect with your bank for assistance.

The NAV of UTI Unit Linked Insurance Plan is ₹37.0016 as of 22-May-2024.

The AUM of UTI Unit Linked Insurance Plan Fund is ₹5,290 Cr as of 30-Apr-2024

The riskometer level of UTI Unit Linked Insurance Plan is High. See More

Company Percentage of Portfolio

GOI Sec 7.18 24/07/2037

12.98

GOI Sec 7.41 19/12/2036

7.19

GOI Sec 7.18 14/08/2033

3.30

GOI Sec 7.30 19/06/2053

2.84

GOI Sec 7.10 08/04/2034

2.35
See More

As of 30-Apr-2024, UTI Unit Linked Insurance Plan had invested 57.59% in Debt, 38.07% in Equity and 4.34% in Cash & Cash Eq. See More

UTI Unit Linked Insurance Plan is 52 years 8 months old. It has delivered 9.07% returns since inception. See More

1Y
3Y
5Y
7Y
10Y
Since Inception
11.31%
7.49%
7.75%
7.27%
8.39%
9.07%

No, There is no lock in period in UTI Unit Linked Insurance Plan.

The expense ratio of UTI Unit Linked Insurance Plan is 1.64.

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