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3 star

UTI Unit Linked Insurance Plan


1 Lakh

Investment Grown to
₹ 1.16 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.04 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 10.78 0.31 0.73 5.06 9.17 18.11 11.49 5.00 7.53 9.42 8.16
VR Balanced TRI 9.66 0.82 1.93 9.58 14.53 27.26 10.68 10.19 11.72 12.03 9.26
Hybrid: Dynamic Asset Allocation 9.06 0.44 1.16 5.48 8.02 16.54 9.49 5.67 7.67 9.92 8.89
Rank within category 8 17 19 11 7 9 7 9 7 4 3
Number of funds in category 21 23 23 23 23 23 21 13 10 5 4

As on 04-Dec-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 11.49 5.00 7.53 1.66 4,584
ICICI Prudential Balanced Advantage Fund  | Invest Now
4 star
Dec-06 10.32 8.05 9.88 1.74 26,123
Aditya Birla Sun Life Balanced Advantage Fund  | Invest Online
4 star
Apr-00 13.40 7.64 11.16 2.11 2,350
DSP Dynamic Asset Allocation Fund - Regular Plan  | Invest Online
4 star
Feb-14 11.56 8.15 8.77 2.09 1,747
Edelweiss Balanced Advantage Fund - Regular Plan  | Invest Online
5 star
Aug-09 18.69 9.83 9.77 2.13 1,692

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 5.13 10.95 0.02 0.02 0.54 -2.75
VR Balanced TRI 10.49 18.01 0.31 0.36 -- --
Hybrid: Dynamic Asset Allocation 6.06 12.27 0.10 0.12 0.62 -2.32
Rank within category 12 7 12 12 8 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 30-Nov-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 72
Top 10 Holdings (%) 33.47
Top 5 Holdings (%) 23.09
Top 3 Sectors (%) 22.24
Portfolio P/B Ratio 5.69
Portfolio P/E Ratio 36.91
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
up 6.19% GOI 16/09/2034 GOI Securities SOV 0.00 - 7.28 7.28
equal 6.45% GOI 2029 GOI Securities SOV 0.46 - 11.69 6.31
equal 7.43% National Bank Agr. Rur. Devp 31/01/2030 Debenture AAA 0.00 - 3.96 3.52
new 6.85% IRFC 29/10/2040 Debenture AAA 0.00 - 3.27 3.27
up 5.77% GOI 2030 GOI Securities SOV 0.00 - 2.70 2.70
equal 9.65% Green Infra Wind Energy 2023 Debenture AA 1.69 - 2.06 1.71
equal 8.43% Rajasthan State 26/11/2024 State Development Loan SOV 0.00 - 1.26 1.22
equal 8.23% IRFC 29/03/2029 Debenture AAA 1.21 - 2.74 1.21
equal 8.06% Kerala State 2025 State Development Loan SOV 0.00 - 1.25 1.20
equal 9.10% Shriram Transport Finance 2021 Debenture AA+ 1.19 - 1.39 1.19
equal 8.05% HDFC 22/10/2029 Non Convertible Debenture AAA 1.18 - 4.20 1.18
equal 7.16% GOI 20/09/2050 GOI Securities SOV 0.00 - 1.31 1.16
equal 7.24% REC 31/12/2022 Non Convertible Debenture AAA 0.00 - 1.16 1.15
equal 7.55% REC 2030 Debenture AAA 0.00 - 2.40 1.14
equal 7.41% Power Finance Corp. 25/02/2030 Debenture AAA 0.00 - 1.17 1.13
equal 8.50% L&T Infrastructre Finance 17/02/2023 Debenture AAA 0.00 - 1.29 1.13
equal 6.57% GOI 2033 GOI Securities SOV 0.00 - 1.17 1.12
equal Canara Bank Debenture AA 0.00 - 1.14 1.12
equal 6.99% Nat. Highways Authority 28/05/2035 Non Convertible Debenture AAA 0.00 - 1.22 1.12
new 6.80% GOI 15/12/2060 GOI Securities SOV 0.00 - 1.11 1.11
equal 5.78% Chennai Petroleum Corp. 17/07/2025 Non Convertible Debenture AAA 0.00 - 1.13 1.09
new 5.83% State Bank of India 26/10/2030 Debenture AAA 0.00 - 1.09 1.09
equal 5.79% GOI 2030 GOI Securities SOV 0.00 - 2.97 1.08
equal Indostar Capital Finance 15/03/2021 Non Convertible Debenture AA- 1.08 - 1.25 1.08
equal Edelweiss Rural & Corporate Services 2021 Non Convertible Debenture A+ 0.00 - 1.15 1.06

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 HDFC Bank Financial 25.79 2.64 1.84 2.40
down Bajaj Finance Financial 65.43 3.52 1.98 2.36
down L&T Infotech Technology 34.01 1.96 0.00 1.96
equal Kotak Mahindra Bank Financial 40.37 2.01 1.27 1.89
equal Infosys Technology 27.07 1.77 1.28 1.76
equal HDFC Financial 25.00 1.92 1.02 1.63
down Tata Consultancy Services Technology 33.37 1.58 1.05 1.58
down Info Edge (India) Services 113.22 1.59 0.76 1.23
down Astral Poly Technik Chemicals 101.35 1.42 0.88 1.07
down Dr. Lal Pathlabs Healthcare 93.02 1.08 0.53 1.00
equal Avenue Supermarts Services 176.95 1.06 0.00 0.93
down AU Small Finance Bank Financial 32.26 1.34 0.23 0.92
down Shree Cement Construction 52.80 1.35 0.79 0.91
up MindTree Technology 27.21 1.39 0.25 0.87
down Ipca Laboratories Healthcare 28.64 0.83 0.30 0.83
equal Endurance Technologies Automobile 44.03 0.91 0.48 0.82
down PI Industries Chemicals 60.42 0.81 0.40 0.81
down Maruti Suzuki India Automobile 58.02 1.17 0.60 0.80
equal Divi's Laboratories Healthcare 56.01 0.97 0.68 0.79
equal Jubilant FoodWorks Services 246.75 0.86 0.61 0.68
down Metropolis Healthcare Healthcare 84.45 0.66 0.00 0.65
equal Torrent Pharmaceuticals Healthcare 37.70 0.87 0.60 0.63
equal Havells India Engineering 67.46 0.72 0.43 0.62
equal Motherson Sumi Systems Automobile -- 1.23 0.40 0.61
down Ajanta Pharma Healthcare 25.08 0.67 0.27 0.59

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-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:


0.31%

Change from previous, NAV as on 04-Dec-2020

Dividend: ₹ 28.0970


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: 9.12%
Benchmark: CRISIL Short Term Debt Hybrid 60+40 Fund
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 4,584 Cr (As on 31-Oct-2020)
Expense: 1.66% (As on 31-Oct-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: [email protected]

Website: www.karvymfs.com

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