UTI - Unit Linked Insurance Plan is a Balanced Advantage fund run by UTI Mutual Fund. On 30-09-2026, it managed ₹4,930 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 7.8% a year and its Regular plan returned 7.2% a year. Its benchmark, NIFTY 50 Hybrid Composite Debt 50:50 Index, returned 6.0% a year over the same 3 years.
NAV (Direct plan)
₹45.91
▲ 0.25% · 30-10-2026
NAV (Regular plan)
₹42.12
▲ 0.25% · 30-10-2026
Expense ratio
1.11%Direct1.60%Regular
1.11%
A year
Riskometer
High
Set by the fund house
3 year return
7.8%Direct7.2%Regular
7.8%
A year
UTI - Unit Linked Insurance Plan NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹45.91 (up 0.25% that day); Regular Plan Growth ₹42.12 (up 0.25% that day).
This fund (Direct plan)
₹45.9136
UTI - Unit Linked Insurance Plan Returns vs NIFTY 50 Hybrid Composite Debt 50:50 Index
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
Trailing returns
Period
1M
3M
6M
1Y
3Y
5Y
10Y
This fund (Direct)
−0.03%
−2.17%
+3.96%
−0.53%
+7.84%
+5.73%
+7.58%
This fund (Regular)
−0.07%
−2.30%
+3.67%
−1.11%
+7.15%
+5.00%
+6.87%
NIFTY 50 Hybrid Composite Debt 50:50 Index
−3.31%
−3.02%
+1.93%
−2.65%
+6.05%
+5.96%
--
Balanced Advantage average
−0.55%
−2.88%
+0.08%
−2.08%
+9.14%
+8.35%
+9.91%
Best in Balanced Advantage
+1.54%
+1.98%
+8.19%
+8.40%
+12.82%
+13.03%
+13.61%
Worst in Balanced Advantage
−3.94%
−6.19%
−4.43%
−6.88%
+2.71%
+5.58%
+7.30%
Rank in Balanced Advantage
12/37
10/37
3/37
9/36
21/30
19/20
10/11
Category rows compare the Direct plans of 38 Balanced Advantage funds. Rank 1 is the highest return. The benchmark row is as on 30-09-2026, as NSE published it.
UTI - Unit Linked Insurance Plan Year-wise Returns
Return of each calendar year
Year
Direct
Regular
2026to date
+0.38%
−0.10%
2025
+5.12%
+4.45%
2024
+12.24%
+11.45%
2023
+12.76%
+11.96%
2022
−1.60%
−2.37%
2021
+15.42%
+14.58%
UTI - Unit Linked Insurance Plan Rolling Returns
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 2,661 periods, one for each trading day from 11-01-2016 to 30-10-2026.
−5%0%5%10%15%20%
UTI - Unit Linked Insurance Plan (Direct)
Category average, 38 Balanced Advantage funds
Nov 2013 to Nov 2016Sept 2015 to Sept 2018Jul 2017 to Jul 2020May 2019 to May 2022Mar 2021 to Mar 2024Dec 2022 to Dec 2025
UTI - Unit Linked Insurance Plan (Direct)Category average, 38 Balanced Advantage funds
0%
0%
Below 0%
12%
3%
0-5%
60%
21%
5-10%
27%
69%
10-15%
0%
8%
15-20%
0%
0%
20-25%
0%
0%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
3,149
9.0%
−15.6%
37.8%
13%
10.0%
29%
2 years
2,907
8.5%
−5.5%
23.6%
4%
12.0%
13%
3 years
2,661
8.8%
−0.7%
14.9%
0%
11.8%
2%
5 years
2,168
8.0%
2.7%
14.1%
0%
11.5%
0%
7 years
1,679
8.2%
3.5%
10.4%
0%
11.1%
0%
10 years
936
8.5%
6.6%
9.5%
0%
11.4%
0%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Category median
Beat category
1 year
154
8.2%
−19.6%
31.9%
14%
10.3%
27%
2 years
142
8.7%
−10.8%
22.9%
6%
10.7%
19%
3 years
130
8.7%
−6.0%
16.8%
3%
11.9%
4%
5 years
106
8.7%
−0.2%
12.4%
1%
11.4%
0%
7 years
82
8.5%
2.4%
10.7%
0%
11.3%
0%
10 years
46
8.3%
7.0%
9.8%
0%
11.8%
0%
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat category" counts the periods in which the fund did better than the average of the 38 Balanced Advantage funds (Direct plans, each weighted the same) over the same days. Past returns do not promise future returns.
UTI - Unit Linked Insurance Plan Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
UTI - Unit Linked Insurance Plan (Direct)This fund
Category average
Return (CAGR)
−0.53%
−2.10%
Standard deviation
6.39%
8.39%
Sharpe ratio
-0.90
-0.88
Sortino ratio
-1.23
-1.17
Maximum drawdown
−8.2%
(30-03-2026)
−8.3%
(30-03-2026)
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.
Measure
UTI - Unit Linked Insurance Plan (Direct)This fund
Category average
Return (CAGR)
+7.84%
+9.05%
Standard deviation
5.63%
7.94%
Sharpe ratio
0.32
0.38
Sortino ratio
0.46
0.51
Maximum drawdown
−8.2%
(30-03-2026)
−9.4%
(28-02-2025)
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.
Measure
UTI - Unit Linked Insurance Plan (Direct)This fund
Category average
Return (CAGR)
+5.73%
+8.47%
Standard deviation
5.69%
7.56%
Sharpe ratio
-0.01
0.35
Sortino ratio
-0.02
0.48
Maximum drawdown
−9.7%
(17-06-2022)
−9.4%
(28-02-2025)
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.
Measure
UTI - Unit Linked Insurance Plan (Direct)This fund
Category average
Return (CAGR)
+7.58%
+9.99%
Standard deviation
6.35%
8.64%
Sharpe ratio
0.34
0.53
Sortino ratio
0.45
0.71
Maximum drawdown
−17.9%
(23-03-2020)
−22.6%
(23-03-2020)
From daily NAVs, 28-10-2016 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.
Measure
UTI - Unit Linked Insurance Plan (Direct)This fund
Category average
Return (CAGR)
+7.05%
+10.55%
Standard deviation
7.17%
8.90%
Sharpe ratio
0.14
0.51
Sortino ratio
0.17
0.68
Maximum drawdown
−17.9%
(23-03-2020)
−22.6%
(23-03-2020)
From daily NAVs, 09-01-2013 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.
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.
−25%−20%−15%−10%−5%0%
UTI - Unit Linked Insurance Plan (Direct)
Category average, 38 Balanced Advantage funds
2014201620182020202220242026
UTI - Unit Linked Insurance Plan (Direct)Category average, 38 Balanced Advantage funds
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
UTI - Unit Linked Insurance Plan (Direct)
−17.9%
12-02-2020
23-03-2020
16-09-2020
6 months
−3.4%
Category average
−22.6%
12-02-2020
23-03-2020
18-08-2020
5 months
−4.2%
From the Direct plan's daily NAV since 09-01-2013, adjusted for unit splits, and the average of the 38 Balanced Advantage funds (Direct plans, each weighted the same) over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.
UTI - Unit Linked Insurance Plan vs Other Balanced Advantage Funds
The five Balanced Advantage funds with the best three year return, and this fund. Direct plans.
AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.
UTI - Unit Linked Insurance Plan Expense Ratio and Costs
What each plan charges a year, in force from 07-10-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Balanced Advantage median
Cost rank (1 = cheapest)
Direct
0.92%
0.01%
0.00%
0.18%
1.11%
1.04%
25/38
Regular
1.37%
0.01%
0.00%
0.22%
1.60%
2.30%
4/38
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, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Balanced Advantage funds' plans of the same type are sorted from the lowest total expense ratio to the highest.
Direct vs Regular: what the gap cost
Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.
Over the last
Regular
Direct
Direct earned more by
₹1 lakh became (Regular)
₹1 lakh became (Direct)
1 year
−1.11%
−0.53%
0.58%
₹98,890
₹99,470
3 years
7.15%
7.84%
0.69% a year
₹1,23,020
₹1,25,412
5 years
5.00%
5.73%
0.73% a year
₹1,27,628
₹1,32,127
10 years
6.87%
7.58%
0.71% a year
₹1,94,338
₹2,07,642
Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.
UTI - Unit Linked Insurance Plan SIP Calculator
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 09-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.
Investment
Invested
Value now
Gain
Return a year
Direct planUTI - Unit Linked Insurance Plan (Direct)
₹16,60,000
₹28,98,406
₹12,38,406
7.7%
Regular planUTI - Unit Linked Insurance Plan (Regular)
Direct planUTI - Unit Linked Insurance Plan (Direct)Regular planUTI - Unit Linked Insurance Plan (Regular)Category averageCategory average, 38 Balanced Advantage fundsAmount invested
From each plan's published NAV (Growth option) and the category average, 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.
UTI - Unit Linked Insurance Plan Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
53.3%Debt
Asset
Fund
Category
Debt
53.3%
23.0%
Equity
38.0%
69.0%
Cash and others
8.7%
7.9%
Market cap of stocks
Market cap
Fund
Category
Large Cap
23.8%
47.4%
Mid Cap
10.7%
11.6%
Small Cap
3.5%
8.8%
Share of the whole fund. Category: the average of the Balanced Advantage funds that hold stocks. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Credit rating
Bonds and money market papers by credit rating, % of the fund. Category: the average of 37 Balanced Advantage funds.
Rating
Fund
Category
Sovereign
24.5%
7.4%
AAA and A1+
26.7%
11.3%
AA
2.1%
3.3%
A and below
0.0%
0.5%
UTI - Unit Linked Insurance Plan Sector Allocation
Sector allocation of the fund's stocks as on 30-09-2026
Largest sectors
Retailing6.7%
Banks6.5%
Consumer Durables4.3%
IT - Software4.0%
Pharmaceuticals & Biotechnology3.4%
Automobiles2.8%
Finance2.6%
Industrial Products1.9%
Telecom - Services1.5%
Healthcare Services1.0%
The ten largest of 20 sectors. The other 10 add up to 3.3%.
Sector changes
Sector
July 2026
August 2026
September 2026
Change
Retailing
6.7%
6.8%
6.7%
0.0%
Banks
6.4%
6.4%
6.5%
+0.1%
Consumer Durables
4.7%
4.7%
4.3%
−0.4%
IT - Software
4.0%
4.3%
4.0%
0.0%
Pharmaceuticals & Biotechnology
3.0%
3.3%
3.4%
+0.4%
Each sector's share of the fund at the end of each month. The five largest sectors of September 2026. Change: from July 2026 to September 2026, in % of the fund.
UTI - Unit Linked Insurance Plan Portfolio Holdings
As on 30-09-2026 · 119 holdings · from the fund house's monthly portfolio
Holdings
Sector / Rating
Weight%
Holdings trend
1M change
07.18% GSEC MAT -24/07/2037 · Government security
SOV
8.09%
07.32% GSEC MAT -13/11/2030 · Government security
SOV
4.12%
EQ - ETERNAL LIMITED
Retailing
2.89%
+1.5%
7.24% GSEC MAT- 18/08/2055 · Government security
SOV
2.60%
EQ - ICICI BANK LTD
Banks
2.53%
+1.8%
NCD MAHINDRA AND MAHINDRA FINANCIAL SERVICES LTD · Bond
CRISIL-AAA
2.53%
EQ - BAJAJ FINANCE LTD.
Finance
2.34%
0.0%
EQ - HDFC BANK LIMITED
Banks
2.03%
0.0%
NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED · Bond
CRISIL-AAA
2.01%
CP BAJAJ FINANCIAL SECURITIES LTD · Commercial paper
CRISIL-A1+
1.98%
EQ - TITAN COMPANY LTD.
Consumer Durables
1.72%
0.0%
EQ - COFORGE LTD
IT - Software
1.62%
0.0%
EQ - INFO-EDGE (INDIA) LTD.
Retailing
1.55%
0.0%
EQ - KOTAK MAHINDRA BANK LTD.
Banks
1.51%
+2.9%
NCD POWER FINANCE CORPORATION LTD. · Bond
CRISIL-AAA
1.50%
EQ - DIXON TECHNOLOGIES (INDIA) LTD
Consumer Durables
1.49%
0.0%
CP CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED · Commercial paper
CARE-A1+
1.47%
6.91% MH SDL MAT - 15/09/2033 · State government security
SOV
1.46%
EQ - BHARTI AIRTEL LTD.
Telecom - Services
1.46%
+2.5%
EQ - PERSISTENT SYSTEMS LTD.
IT - Software
1.45%
0.0%
EQ - AVENUE SUPERMARTS LTD.
Retailing
1.19%
0.0%
07.32% RAJASTHAN SGS Mat - 24/09/2035 · State government security
SOV
1.13%
EQ - MAHINDRA & MAHINDRA LTD.
Automobiles
1.04%
0.0%
07.65% TAMIL NADU SDL - 25/01/2033 · State government security
SOV
1.01%
NCD REC LTD · Bond
CRISIL-AAA
1.01%
NCD MINDSPACE BUSINESS PARKS REIT · Bond
ICRA-AAA
1.01%
NCD TATA CAPITAL LTD. · Bond
CRISIL-AAA
1.01%
06.94% GSEC Mat- 11/05/2036 · Government security
SOV
1.00%
CP EXPORT IMPORT BANK OF INDIA · Commercial paper
CRISIL-A1+
1.00%
NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA · Bond
CRISIL-AAA
1.00%
CD - SMALL INDST. DEV. BANK OF INDIA - 28/01/2027 · Certificate of deposit
CARE-A1+
0.99%
NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED · Bond
CRISIL-AAA
0.98%
EQ - DR LAL PATHLABS LTD.
Healthcare Services
0.98%
0.0%
EQ - LTM Limited
IT - Software
0.95%
0.0%
CD - SIDBI - 27/08/2027 · Certificate of deposit
CARE-A1+
0.95%
6.82% ANDHRA SGS MAT -04/06/2036 · State government security
SOV
0.94%
EQ - EICHER MOTORS LTD
Automobiles
0.93%
0.0%
EQ - AJANTA PHARMA LTD.
Pharmaceuticals & Biotechnology
0.92%
0.0%
EQ - TRENT LIMITED
Retailing
0.91%
0.0%
EQ - MARUTI SUZUKI INDIA LTD.
Automobiles
0.87%
0.0%
EQ - POLYCAB INDIA LTD
Industrial Products
0.77%
+6.8%
6.99% WB SDL MAT - 29/09/2036 · State government security
SOV
0.76%
EQ - DIVIS LABORATORIES LTD.
Pharmaceuticals & Biotechnology
0.75%
0.0%
08.20% PTC- INDIA UNIVERSAL TRUST AL1-SERIES A3
IND-AAA(SO)
0.65%
EQ - ASTRAL LTD.
Industrial Products
0.64%
0.0%
NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT · Bond
CRISIL-AAA
0.61%
EQ - TORRENT PHARMACEUTICALS LTD.
Pharmaceuticals & Biotechnology
0.60%
+0.3%
7.48% UTTAR PRADESH SDL 20/03/2036 · State government security
SOV
0.59%
EQ - PIDILITE INDUSTRIES LTD.
Chemicals & Petrochemicals
0.59%
+14.3%
NCD REC LTD · Bond
CRISIL-AAA
0.51%
NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED · Bond
CRISIL-AAA
0.51%
NCD MUTHOOT FINANCE LTD · Bond
ICRA-AA+
0.51%
EQ - GRINDWELL NORTON LTD.
Industrial Products
0.51%
0.0%
NCD MANKIND PHARMA LTD · Bond
CRISIL-AA+
0.51%
7.65% MADHYAPRADESH SGS Mat - 11/03/2040 · State government security
SOV
0.50%
NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED · Bond
CRISIL-AAA
0.50%
NCD BAJAJ FINANCE LTD. · Bond
CRISIL-AAA
0.50%
NCD BHARTI TELECOM LTD. · Bond
CRISIL-AAA
0.50%
CD - CANARA BANK - 28/01/2027 · Certificate of deposit
CRISIL-A1+
0.50%
NCD POONAWALLA FINCORP LTD. · Bond
CRISIL-AAA
0.50%
NCD EXPORT IMPORT BANK OF INDIA · Bond
ICRA-AAA
0.50%
NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA · Bond
CRISIL-AAA
0.50%
NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA · Bond
CRISIL-AAA
0.50%
CD - INDIAN BANK - 22/01/2027 · Certificate of deposit
CRISIL-A1+
0.50%
NCD ADITYA BIRLA CAPITAL LTD · Bond
CRISIL-AAA
0.50%
NCD AXIS FINANCE LTD · Bond
CRISIL-AAA
0.50%
6.28% GSEC MAT- 14/07/2032 · Government security
SOV
0.49%
07.23% RAJASTHAN SGS Mat - 23/10/2035 · State government security
SOV
0.49%
CD - ICICI BANK LTD - 25/03/2027
ICRA-A1+
0.49%
CD - SMALL INDST. DEV. BANK OF INDIA - 26/02/2027 · Certificate of deposit
CARE-A1+
0.49%
7.08% A P SGL MAT - 26/03/2037 · State government security
SOV
0.48%
6.96% AP SDL MAT - 06/08/2034 · State government security
SOV
0.48%
EQ - GLAND PHARMA LTD.
Pharmaceuticals & Biotechnology
0.48%
0.0%
EQ - IPCA LABORATORIES LTD.
Pharmaceuticals & Biotechnology
0.45%
0.0%
EQ - MARICO LTD
Agricultural Food & other Products
0.44%
0.0%
EQ - POLY MEDICURE LTD
Healthcare Equipment & Supplies
0.44%
0.0%
EQ - NESTLE INDIA LTD.
Food Products
0.44%
0.0%
NCD PIRAMAL FINANCE LIMITED · Bond
ICRA-AA+
0.43%
EQ - AU SMALL FINANCE BANK LTD
Banks
0.43%
+10.5%
EQ - BERGER PAINTS INDIA LTD.
Consumer Durables
0.35%
0.0%
EQ - HAVELLS INDIA LTD.
Consumer Durables
0.34%
0.0%
EQ - P I INDUSTRIES LTD
Fertilizers & Agrochemicals
0.33%
0.0%
EQ - 3M INDIA LTD.
Diversified
0.30%
0.0%
06.48% GSEC Mat- 06/10/2035 · Government security
SOV
0.29%
EQ - AAVAS FINANCIERS LTD.
Finance
0.28%
0.0%
EQ - JUBILANT FOODWORKS LTD.
Leisure Services
0.28%
0.0%
EQ - ASIAN PAINTS (INDIA) LTD.
Consumer Durables
0.25%
0.0%
NCD GODREJ SEEDS AND GENETICS LIMITED · Bond
CRISIL-AA
0.25%
NCD GODREJ SEEDS AND GENETICS LIMITED · Bond
CRISIL-AA
0.25%
EQ - SHREE CEMENT LTD.
Cement & Cement Products
0.21%
0.0%
08.12% PTC - INDIA UNIVERSAL TRUST AL1 - SERIES-A2
IND-AAA(SO)
0.19%
EQ - INDIAMART INTERMESH LTD
Retailing
0.18%
0.0%
EQ - ERIS LIFESCIENCES LTD
Pharmaceuticals & Biotechnology
0.16%
0.0%
NCD ADANI POWER LTD. · Bond
IND-AA
0.16%
EQ - PAGE INDUSTRIES
Textiles & Apparels
0.15%
0.0%
EQ - ROSSARI BIOTECH LTD
Chemicals & Petrochemicals
0.12%
0.0%
EQ - SHEELA FOAM LTD.
Consumer Durables
0.12%
−8.1%
MF UNITS Nifty 5 yr Benchmark G-Sec ETF ETF
-
0.12%
MF UNITS Nifty 10 yr Benchmark G-Sec ETF ETF
-
0.12%
CD - KOTAK MAHINDRA BANK LTD - 21/12/2026
CRISIL-A1+
0.10%
NCD BAJAJ FINANCE LTD. · Bond
CRISIL-AAA
0.10%
NCD POWER FINANCE CORPORATION LTD. · Bond
CRISIL-AAA
0.06%
MF UNITS UTI Nifty Bank ETF ETF
-
0.05%
07.73% HARYANA SGS Mat - 18/02/2045 · State government security
SOV
0.04%
07.26% TAMIL NADU SGS Mat - 24/09/2035 · State government security
SOV
0.03%
MF UNITS UTI BSE India Sector Leaders Exchange Traded Fund ETF
-
0.03%
7.19% MAHARASHTRA SDL-27/02/2040 · State government security
SOV
0.01%
NCD EXPORT IMPORT BANK OF INDIA · Bond
CRISIL-AAA
0.01%
07.30% GSEC MAT -19/06/2053 · Government security
SOV
0.00%
EQ - OMEGA LABORATORIES LTD.
Not Applicable
0.00%
0.0%
EQ - MODERN DENIM LTD.
Not Applicable
0.00%
0.0%
EQ - THE DHAR TEXTILE MILLS LTD.
Not Applicable
0.00%
0.0%
EQ - DHAR CEMENT LTD.
Not Applicable
0.00%
0.0%
EQ - ORIQUA LIMITED
Not Applicable
0.00%
0.0%
EQ - MAHENDRA PETROCHEMICALS LTD.
Not Applicable
0.00%
0.0%
NCD YES BANK LTD. BASEL3AT1 · Bond
ICRA-D
0.00%
NCD YES BANK LTD. BASEL3AT1 · Bond
ICRA-D
0.00%
EQ - SERENE INDUSTRIES LIMITED.
Not Applicable
0.00%
0.0%
EQ - INFRASTRUCTURE LEASING & FIN.S
Not Applicable
0.00%
0.0%
UTI - Unit Linked Insurance Plan Stocks Bought and Sold
All changes are between August 2026 and September 2026
More
Stocks bought and sold in September 2026
EQ - ETERNAL LIMITED
↑Added
+1.5%
2.89%
EQ - ICICI BANK LTD
↑Added
+1.8%
2.53%
EQ - KOTAK MAHINDRA BANK LTD.
↑Added
+2.9%
1.51%
EQ - BHARTI AIRTEL LTD.
↑Added
+2.5%
1.46%
EQ - POLYCAB INDIA LTD
↑Added
+6.8%
0.77%
EQ - TORRENT PHARMACEUTICALS LTD.
↑Added
+0.3%
0.60%
EQ - PIDILITE INDUSTRIES LTD.
↑Added
+14.3%
0.59%
EQ - AU SMALL FINANCE BANK LTD
↑Added
+10.5%
0.43%
EQ - SHEELA FOAM LTD.
↓Reduced
−8.1%
0.12%
EQ - SCHAEFFLER INDIA LTD
↓Sold out
−100%
was 0.07%
No stocks in this group for September 2026.
A change is counted by the number of shares the fund holds, not by price. A stock can become a smaller part of the fund in a month when the fund bought more of it, if its price fell. Debt papers are left out.
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
UTI - Unit Linked Insurance Plan Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
1.11%
Expense ratio (Regular)
1.60%
Category
Balanced Advantage
Risk
High
Launch date
01-10-1971
AUM
₹4,930.11 Cr (30-09-2026)
Lock in
None
Scheme code (Direct)
120784
ISIN (Direct)
Not available
Scheme code (Regular)
100646
ISIN (Regular)
Not available
NAV history
From 09-01-2013, 13.8 years
Benchmark
NIFTY 50 Hybrid Composite Debt 50:50 Index
Minimum investment
Minimum target amount under the scheme is 15000 which is required to be invested over 10/15 year period.
Minimum additional investment
Additional investment beyond the minium, the target amount cab be chosen in multiple o for participating in the 10/15 years plan
Exit load
If withdrawn prematurely – 2% On or after maturity – Nil
Tax on UTI - Unit Linked Insurance Plan returns
How the gain is taxed depends on what the fund holds. A fund with 65% or more in Indian stocks is taxed as an equity fund: 20% within 1 year, 12.5% after, on gains above ₹1.25 lakh a year.
A fund with 65% or more in debt is taxed at your slab rate. Any other fund: your slab rate within 2 years, 12.5% after.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
All plans and options
Plan
Option
NAV
As on
direct
Growth
₹45.9136
30-10-2026
regular
Growth
₹42.1243
30-10-2026
About UTI - Unit Linked Insurance Plan
UTI - Unit Linked Insurance Plan is a mutual fund from UTI Mutual Fund. Its category is Balanced Advantage. It was launched on 01-10-1971. Its benchmark is NIFTY 50 Hybrid Composite Debt 50:50 Index. At the end of September 2026 it held 119 securities.
Frequently Asked Questions for UTI - Unit Linked Insurance Plan
What is the current NAV of UTI - Unit Linked Insurance Plan?
The Direct plan NAV is ₹45.9136. The Regular plan NAV is ₹42.1243, as on 30-10-2026.
What are the returns of UTI - Unit Linked Insurance Plan?
The Direct plan returned −0.53% in 1 year, +7.84% a year over 3 years, +5.73% a year over 5 years. The Regular plan returned −1.11% in 1 year, +7.15% a year over 3 years, +5.00% a year over 5 years. These figures are as on 30-10-2026.
What is the expense ratio of UTI - Unit Linked Insurance Plan?
The Direct plan charges 1.11% a year. The Regular plan charges 1.60% a year. This is the figure the fund house reported to AMFI, in force from 07-10-2026.
What is the AUM of UTI - Unit Linked Insurance Plan?
UTI - Unit Linked Insurance Plan managed ₹4,930.11 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of UTI - Unit Linked Insurance Plan?
At the end of September 2026 the largest holdings were 07.18% GSEC MAT -24/07/2037 (8.09%), 07.32% GSEC MAT -13/11/2030 (4.12%), ETERNAL (2.89%), 7.24% GSEC MAT- 18/08/2055 (2.60%), ICICIBANK (2.53%). The fund held 119 securities in all.
What did UTI - Unit Linked Insurance Plan buy and sell in September 2026?
It sold out of 1: EQ - SCHAEFFLER INDIA LTD. It added shares in 8. It reduced 1.
How do I invest in UTI - Unit Linked Insurance Plan?
Through UTI Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least Minimum target amount under the scheme is 15000 which is required to be invested over 10/15 year period. You can invest once or through a monthly SIP.
Who is the fund manager of 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 the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.
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.
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