Invesco India Large cap Fund vs UTI - Unit Linked Insurance Plan
Direct Plan, Growth option · Data as on 30-10-2026
Invesco India Large cap Fund is a Large Cap fund and UTI - Unit Linked Insurance Plan is a Balanced Advantage fund. In the 3 years to 30-10-2026, Invesco India Large cap Fund (Direct) returned 14.0% a year and UTI - Unit Linked Insurance Plan (Direct) returned 7.8% a year. Invesco India Large cap Fund charges 0.91% a year and UTI - Unit Linked Insurance Plan 1.11% (Direct plans). Their portfolios overlap 22.1%: they hold 17 of the same securities.
Invesco India Large cap Fund
Large Cap
- 3 year return
- 14.0%
- Expense ratio
- 0.91%
- NAV
- ₹84.40
UTI - Unit Linked Insurance Plan
Balanced Advantage
- 3 year return
- 7.8%
- Expense ratio
- 1.11%
- NAV
- ₹45.91
Which is better, Invesco India Large cap or UTI - Unit Linked Insurance Plan? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Invesco India Large cap returned more over 5 years: 10.2% a year against 5.7%.
- Invesco India Large cap returned more over 3 years: 14.0% a year against 7.8%.
- Invesco India Large cap costs less: 0.91% a year against 1.11% (Direct plans).
- UTI - Unit Linked Insurance Plan swung less over 3 years: a standard deviation of 5.6% a year against 14.3%.
- UTI - Unit Linked Insurance Plan fell less in its worst fall since 09-01-2013: −17.9% against −36.9%.
- Invesco India Large cap holds more in large companies: 80.4% of the fund in large caps against 23.8%.
- UTI - Unit Linked Insurance Plan is the larger fund: ₹4,930 Cr against ₹1,925 Cr.
- Their portfolios overlap 22.1%: 17 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Invesco India Large cap Fund | UTI - Unit Linked Insurance Plan |
|---|---|---|
| Fund house | Invesco Mutual Fund | UTI Mutual Fund |
| Category | Large Cap | Balanced Advantage |
| AUM | ₹1,925 Cr (30-09-2026) | ₹4,930 Cr (30-09-2026) |
| NAV | ₹84.40 (Direct) | ₹45.91 (Direct) |
| Expense ratio (Direct) | 0.91% | 1.11% |
| Expense ratio (Regular) | 2.18% | 1.60% |
| Riskometer | Very High | High |
| Benchmark | Nifty 100 TRI | NIFTY 50 Hybrid Composite Debt 50:50 Index |
| Launch date | 21-08-2009 | 01-10-1971 |
| Minimum investment | Not available | Minimum target amount under the scheme is 15000 which is required to be invested over 10/15 year period. |
| Lock in | None | None |
| Fund managers | Hiten Jain, Deepak Gupta | Anurag Mittal FM 1, Ajay Tyagi FM 2, Kamal Gada FM 3 Mr. Akash Shah FM 4 |
| Exit load | Nil | If withdrawn prematurely – 2% On or after maturity – Nil |
Invesco India Large cap vs UTI - Unit Linked Insurance Plan: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Invesco India Large cap Fund (Direct) | +0.84% | −3.48% | +3.33% | −2.38% | +14.04% | +10.24% | +13.45% |
| UTI - Unit Linked Insurance Plan (Direct) | −0.03% | −2.17% | +3.96% | −0.53% | +7.84% | +5.73% | +7.58% |
| Large Cap average | +0.62% | −4.36% | −1.05% | −6.33% | +10.38% | +8.23% | +11.81% |
| Balanced Advantage average | −0.55% | −2.88% | +0.08% | −2.08% | +9.14% | +8.35% | +9.91% |
Category average: the average of the 35 Large Cap funds and the 38 Balanced Advantage funds, same plan type.
Invesco India Large cap vs UTI - Unit Linked Insurance Plan: Year-wise Returns
| Year | Invesco India Large capInvesco India Large cap | UTI - Unit Linked Insurance PlanUTI - Unit Linked Insurance Plan |
|---|---|---|
| 2026to date | −1.36% | +0.38% |
| 2025 | +6.88% | +5.12% |
| 2024 | +21.68% | +12.24% |
| 2023 | +29.61% | +12.76% |
| 2022 | −1.53% | −1.60% |
| 2021 | +34.42% | +15.42% |
Invesco India Large cap vs UTI - Unit Linked Insurance Plan: Rolling Returns
Every holding period of both funds, against Nifty 100 TRI, the benchmark of Invesco India Large cap Fund
Rolling returns
Every 3-year holding period, 2,661 of them, one for each trading day from 11-01-2016 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Invesco India Large cap Fund (Direct)
UTI - Unit Linked Insurance Plan (Direct)
Nifty 100 TRI
to
Nov 2016Sept 2015
to
Sept 2018Jul 2017
to
Jul 2020May 2019
to
May 2022Mar 2021
to
Mar 2024Dec 2022
to
Dec 2025
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Invesco India Large cap | 0.3 | 3.1 | 9.4 | 32.3 | 38.3 | 16.0 | 0.6 | 15.4% | 15.6% | −4.2% | 30.0% | 74% |
| UTI - Unit Linked Insurance Plan | 0.2 | 12.2 | 60.3 | 27.4 | 0.0 | 0.0 | 0.0 | 8.4% | 8.8% | −0.7% | 14.9% | 5% |
| Nifty 100 TRI | 0.9 | 3.8 | 11.1 | 47.1 | 30.7 | 5.1 | 1.4 | 13.6% | 13.8% | −5.0% | 31.4% | -- |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. The benchmark is Nifty 100 TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. Every fund is measured over the days all of them have, from 09-01-2013. Past returns do not promise future returns.
Invesco India Large cap vs UTI - Unit Linked Insurance Plan: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 02-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Invesco India Large capInvesco India Large cap Fund (Direct) | ₹16,60,000 | ₹46,81,930 | ₹30,21,930 | 13.9% |
| UTI - Unit Linked Insurance PlanUTI - Unit Linked Insurance Plan (Direct) | ₹16,60,000 | ₹28,98,406 | ₹12,38,406 | 7.7% |
Invesco India Large capInvesco India Large cap Fund (Direct)
UTI - Unit Linked Insurance PlanUTI - Unit Linked Insurance Plan (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Invesco India Large cap vs UTI - Unit Linked Insurance Plan: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Invesco India Large cap Fund (Direct) | UTI - Unit Linked Insurance Plan (Direct) |
|---|---|---|
| Return (CAGR) | −2.38% | −0.53% |
| Standard deviation | 15.15% | 6.39% |
| Sharpe ratio | -0.50 | -0.90 |
| Sortino ratio | -0.69 | -1.23 |
| Maximum drawdown | −14.8% (30-03-2026) | −8.2% (30-03-2026) |
| Beta | 1.05 | -- |
| Alpha | +7.06% | -- |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Invesco India Large cap Fund (Direct) | UTI - Unit Linked Insurance Plan (Direct) |
|---|---|---|
| Return (CAGR) | +14.04% | +7.84% |
| Standard deviation | 14.29% | 5.63% |
| Sharpe ratio | 0.56 | 0.32 |
| Sortino ratio | 0.78 | 0.46 |
| Maximum drawdown | −18.2% (28-02-2025) | −8.2% (30-03-2026) |
| Beta | 1.01 | -- |
| Alpha | +4.93% | -- |
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Invesco India Large cap Fund (Direct) | UTI - Unit Linked Insurance Plan (Direct) |
|---|---|---|
| Return (CAGR) | +10.24% | +5.73% |
| Standard deviation | 14.23% | 5.69% |
| Sharpe ratio | 0.31 | -0.01 |
| Sortino ratio | 0.42 | -0.02 |
| Maximum drawdown | −19.7% (17-06-2022) | −9.7% (17-06-2022) |
| Beta | 0.99 | -- |
| Alpha | +3.04% | -- |
From daily NAVs, 29-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Invesco India Large cap Fund (Direct) | UTI - Unit Linked Insurance Plan (Direct) |
|---|---|---|
| Return (CAGR) | +14.41% | +7.05% |
| Standard deviation | 15.39% | 7.17% |
| Sharpe ratio | 0.54 | 0.14 |
| Sortino ratio | 0.74 | 0.17 |
| Maximum drawdown | −36.9% (23-03-2020) | −17.9% (23-03-2020) |
| Beta | 0.94 | -- |
| Alpha | +2.79% | -- |
From daily NAVs, 02-01-2013 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Invesco India Large cap Fund (Direct)
UTI - Unit Linked Insurance Plan (Direct)
Nifty 100 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Invesco India Large cap Fund (Direct) | −36.9% | 19-02-2020 | 23-03-2020 | 09-11-2020 | 8 months | −6.1% |
| UTI - Unit Linked Insurance Plan (Direct) | −17.9% | 12-02-2020 | 23-03-2020 | 16-09-2020 | 6 months | −3.4% |
| Nifty 100 TRI | −37.9% | 17-01-2020 | 23-03-2020 | 06-11-2020 | 7 months | −10.1% |
From daily values since 09-01-2013, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Invesco India Large cap Fund (Direct)
UTI - Unit Linked Insurance Plan (Direct)
Nifty 100 TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Invesco India Large cap Fund (Direct)
UTI - Unit Linked Insurance Plan (Direct)
Nifty 100 TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 5-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Invesco India Large cap Fund (Direct)
UTI - Unit Linked Insurance Plan (Direct)
Nifty 100 TRI
Against Nifty 100 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Invesco India Large cap Fund (Direct) | 101% | 88% | 4.20% |
| UTI - Unit Linked Insurance Plan (Direct) | 45% | 34% | 10.28% |
From month-end values since 09-01-2013. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
Invesco India Large cap vs UTI - Unit Linked Insurance Plan: Portfolio Overlap
From each fund's latest monthly portfolio: Invesco India Large cap Fund, September 2026; UTI - Unit Linked Insurance Plan, September 2026
Holdings in common
- Overlap
- 22.1%
- Held by both
- 17
- Only in Invesco India Large cap
- 38
- Only in UTI - Unit Linked Insurance Plan
- 91
| Security | % of Invesco India Large cap | % of UTI - Unit Linked Insurance Plan |
|---|---|---|
| Eternal Limited | 3.83% | 2.89% |
| ICICI Bank Limited | 8.31% | 2.53% |
| Bajaj Finance Ltd | 3.21% | 2.34% |
| HDFC Bank Limited | 4.15% | 2.03% |
| Titan Company Limited | 2.39% | 1.72% |
| Coforge Limited | 2.47% | 1.62% |
| Bharti Airtel Limited | 2.92% | 1.46% |
| Avenue Supermarts Limited | 1.78% | 1.19% |
| Mahindra & Mahindra Limited | 2.26% | 1.04% |
| Eicher Motors Limited | 2.23% | 0.93% |
| Trent Limited | 1.06% | 0.91% |
| Polycab India Limited | 0.83% | 0.77% |
| Divi's Laboratories Limited | 1.45% | 0.75% |
| Torrent Pharmaceuticals Limited | 2.50% | 0.60% |
| Dixon Technologies (India) Limited | 0.60% | 1.49% |
| Poly Medicure Limited | 1.51% | 0.44% |
| Asian Paints Limited | 1.16% | 0.25% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 22.1% means 22.1% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Invesco India Large cap Fund
| Security | % of fund |
|---|---|
| ICICI Prudential Asset Management Company Limited | 3.97% |
| InterGlobe Aviation Limited | 3.64% |
| Infosys Limited | 3.57% |
| Larsen & Toubro Limited | 3.53% |
| Tech Mahindra Limited | 2.93% |
Largest holdings only in UTI - Unit Linked Insurance Plan
| Security | % of fund |
|---|---|
| 07.18% GSEC MAT -24/07/2037 | 8.09% |
| 07.32% GSEC MAT -13/11/2030 | 4.12% |
| 7.24% GSEC MAT- 18/08/2055 | 2.60% |
| NCD MAHINDRA AND MAHINDRA FINANCIAL SERVICES LTD | 2.53% |
| NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED | 2.01% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Invesco India Large cap | UTI - Unit Linked Insurance Plan |
|---|---|---|
| Equity | 99.1% | 38.0% |
| Debt | 0.0% | 53.3% |
| Cash and others | 0.9% | 8.7% |
Market cap of stocks
| Market cap | Invesco India Large cap | UTI - Unit Linked Insurance Plan |
|---|---|---|
| Large Cap | 80.4% | 23.8% |
| Mid Cap | 9.4% | 10.7% |
| Small Cap | 8.4% | 3.5% |
| Not on AMFI's list | 0.9% | 0.0% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Invesco India Large cap | UTI - Unit Linked Insurance Plan |
|---|---|---|
| Banks | 19.1% | 6.5% |
| IT - Software | 9.0% | 4.0% |
| Retailing | 7.5% | 6.7% |
| Finance | 7.2% | 2.6% |
| Automobiles | 7.0% | 2.8% |
| Capital Markets | 7.0% | 0.0% |
| Pharmaceuticals & Biotechnology | 4.5% | 3.4% |
| Consumer Durables | 4.2% | 4.3% |
The six largest sectors of each fund's stocks, % of the fund.
Invesco India Large cap vs UTI - Unit Linked Insurance Plan: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Invesco India Large cap Fund | UTI - Unit Linked Insurance Plan |
|---|---|---|
| Total expense ratio (Direct) | 0.91% | 1.11% |
| Base expense ratio (Direct) | 0.67% | 0.92% |
| Total expense ratio (Regular) | 2.18% | 1.60% |
| Base expense ratio (Regular) | 1.77% | 1.37% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
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Invesco India Large cap Fund vs UTI - Unit Linked Insurance Plan: Frequently Asked Questions
What is the difference between Invesco India Large cap Fund and UTI - Unit Linked Insurance Plan?
Invesco India Large cap Fund is a Large Cap fund, UTI - Unit Linked Insurance Plan is a Balanced Advantage fund, run by Invesco Mutual Fund and UTI Mutual Fund. Their portfolios overlap 22.1%. Invesco India Large cap Fund charges 0.91% a year and UTI - Unit Linked Insurance Plan 1.11%.
Which has given higher returns, Invesco India Large cap Fund or UTI - Unit Linked Insurance Plan?
Over 1 year: Invesco India Large cap Fund −2.38%, UTI - Unit Linked Insurance Plan −0.53%. Over 3 years: Invesco India Large cap Fund +14.04% a year, UTI - Unit Linked Insurance Plan +7.84% a year. Over 5 years: Invesco India Large cap Fund +10.24% a year, UTI - Unit Linked Insurance Plan +5.73% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Invesco India Large cap Fund or UTI - Unit Linked Insurance Plan?
Invesco India Large cap Fund charges less: 0.91% a year against 1.11%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Invesco India Large cap Fund and UTI - Unit Linked Insurance Plan overlap?
22.1%. They hold 17 of the same securities, the largest shared ones being ETERNAL, ICICIBANK, BAJFINANCE. From each fund's latest monthly portfolio.
Which is riskier, Invesco India Large cap Fund or UTI - Unit Linked Insurance Plan?
On SEBI's riskometer, Invesco India Large cap Fund is rated Very High and UTI - Unit Linked Insurance Plan High. Over 3 years, the standard deviation of daily returns was 14.29% and 5.63% a year.
Which is better for SIP, Invesco India Large cap Fund or UTI - Unit Linked Insurance Plan?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹8,03,609 in Invesco India Large cap Fund (XIRR 10.8% a year) and ₹7,14,591 in UTI - Unit Linked Insurance Plan (XIRR 6.2% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both Invesco India Large cap Fund and UTI - Unit Linked Insurance Plan?
Yes. 22.1% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Invesco India Large cap Fund and UTI - Unit Linked Insurance Plan?
Invesco India Large cap Fund: Hiten Jain, Deepak Gupta. UTI - Unit Linked Insurance Plan: Anurag Mittal FM 1, Ajay Tyagi FM 2, Kamal Gada FM 3 Mr. Akash Shah FM 4.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.