UTI Unit Linked Insurance Plan (ULIP)

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Investment cum Insurance

Fund House : UTI Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 41.9631 0.43%
(as on 01st October, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 5328.83 Cr

(50% of Investment in Category)

Expense Ratio

: 1.63%

(1.32% Category average)

Risk-O-Meter

High Risk

Investment cum Insurance :Investment cum Insurance : The fund has 38.76% investment in domestic equities of which 13.47% is in Large Cap stocks, 5.69% is in Mid Cap stocks, 2.63% in Small Cap stocks.The fund has 56.26% investment in Debt, of which 38.12% in Government securities, 18.14% is in Low Risk securities.

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This Scheme

VS

NIFTY 50 Hybrid Composite Debt 50:50 Index

0.31%

-1.59%

4.81%

1.49%

10.68%

12.17%

18.05%
NA
0.1%

-0.78%

5.06%

2.88%

10.23%

10.52%

8.95%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

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Returns (NAV as on 01st October, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	24-Sep-25	9921.40	-0.79%	-	-0.78%	2/2
1 Month	01-Sep-25	10007.30	0.07%	-	0.10%	2/2
3 Month	01-Jul-25	9914.30	-0.86%	-	-0.78%	2/2
6 Month	01-Apr-25	10488.50	4.89%	-	5.06%	2/2
YTD	01-Jan-25	10377.00	3.77%	-	4.20%	2/2
1 Year	01-Oct-24	10253.80	2.54%	2.54%	2.88%	2/2
2 Year	29-Sep-23	12076.90	20.77%	9.85%	10.23%	2/2
3 Year	30-Sep-22	12947.50	29.48%	8.98%	9.36%	2/2
5 Year	01-Oct-20	16196.50	61.96%	10.12%	10.52%	2/2
10 Year	01-Oct-15	21390.80	113.91%	7.89%	8.25%	2/2
Since Inception	05-Jul-00	82235.80	722.36%	8.70%	8.95%	2/2

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 01st October, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	01-Oct-24	12000	12328.3	2.74 %	5.11 %
2 Year	29-Sep-23	24000	26064.45	8.6 %	8.14 %
3 Year	30-Sep-22	36000	41324.53	14.79 %	9.16 %
5 Year	01-Oct-20	60000	74189.47	23.65 %	8.42 %
10 Year	01-Oct-15	120000	182821.4	52.35 %	8.16 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Please check with your Tax Advisor.

Portfolio (Updated on 31st Aug,2025)

Portfolio Turnover Ratio : 10.00% | Category average turnover ratio is 0.00%

Fund manager updated portfolio more frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for shorter duration than peers)

Equity Holding : 38.76% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 38.76%

No of Stocks : 64 (Category Avg - 0.00) | Large Cap Investments : 13.47%| Mid Cap Investments : 5.69% | Small Cap Investments : 2.63% | Other : 16.97%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
ICICI Bank Ltd.	Private sector bank	1392.9	2.61%	-0.15%	2.76% (Jul 2025)	2.33% (Sep 2024)	9.97 L	-0.12 L
HDFC Bank Ltd.	Private sector bank	1331.3	2.50%	-0.16%	2.68% (May 2025)	2.32% (Sep 2024)	13.99 L	6.88 L
Bajaj Finance Ltd.	Non banking financial company (nbfc)	1318.5	2.47%	0.07%	2.58% (Mar 2025)	1.76% (Nov 2024)	15.02 L	32.00 k
Eternal Ltd.	E-retail/ e-commerce	1197.7	2.25%	0.08%	2.25% (Aug 2025)	1.34% (Oct 2024)	38.15 L	0.00
Avenue Supermarts Ltd.	Diversified retail	906.4	1.70%	0.19%	1.7% (Aug 2025)	1.22% (Dec 2024)	1.91 L	0.00
Info Edge (India) Ltd.	Internet & catalogue retail	825.1	1.55%	0.04%	1.55% (Aug 2025)	1.32% (Oct 2024)	6.08 L	22.35 k
Kotak Mahindra Bank Ltd.	Private sector bank	777.3	1.46%	0.01%	1.68% (Mar 2025)	1.33% (Oct 2024)	3.97 L	0.00
- Dixon Technologies (India) Ltd.	Consumer electronics	736.9	1.38%	0.00%	1.38% (Jul 2025)	0.68% (Sep 2024)	44.15 k	0.00
LTIMindtree Ltd.	Computers - software & consulting	713.6	1.34%	-0.03%	1.8% (Sep 2024)	1.3% (Mar 2025)	1.39 L	-5.50 k
- Coforge Ltd.	Computers - software & consulting	696.1	1.31%	0.00%	1.47% (Dec 2024)	1.11% (Apr 2025)	4.04 L	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 54 (Category Avg - 0.00) | Modified Duration 5.96 Years (Category Avg - 0.00)| Yield to Maturity 6.98% (Category Avg - 0.00%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	38.12%	0.00%
NCD & Bonds	16.96%	0.00%
PTC	1.18%	0.00%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	38.12%	0.00%
Low Risk	18.14%	0.00%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
Net Receivables	Net Receivables	4.12%
MF Units	MF Units	0.47%
MF Units	MF Units	0.11%
MF Units	MF Units	0.11%
Margin	Margin	0.08%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 01st January, 1970)

No data available. Ratios are only available for the funds which are 3 years old.

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
UTI Unit Linked Insurance Plan (ULIP) - Direct Plan	NA	5328.83	0.12	-0.70	5.23	3.22	9.74

Detailed Comparison

More Funds from UTI Mutual Fund

Out of 11 mutual fund schemes offered by this AMC, 3 is/are ranked 4 * , 1 is/are ranked 3 * , 1 is/are ranked 2 * , 1 is/are ranked 1 * , and 5 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
UTI Liquid Fund - Discontinued Plan - Growth	4	25036.71	0.48	1.43	3.12	6.77	6.62
UTI Money Market Fund - Discontinued - Growth	4	20513.42	0.51	1.50	3.80	7.75	7.23
UTI Money Market Fund - Discontinued - Growth	4	20513.42	0.46	1.41	3.34	7.08	7.26
UTI Unit Linked Insurance Plan (ULIP)	NA	5328.83	0.07	-0.86	4.88	2.54	8.98
UTI Unit Linked Insurance Plan (ULIP) - Direct Plan	NA	5328.83	0.12	-0.70	5.23	3.22	9.74
UTI Ultra Short Duration Fund - Discontinued Plan - Institutional - Growth	2	4204.46	0.48	1.40	3.35	6.98	7.02
UTI Short Duration Fund - Discontinued Plan - Growth	1	3295.03	0.66	1.17	3.84	7.64	7.23
UTI Low Duration Fund - Discontinued Plan - Growth	3	3124.79	0.56	1.49	3.88	7.74	7.12
UTI Gilt Fund - Discontinued Plan - PF Plan - Growth	NA	584.24	1.70	-0.15	1.25	4.57	7.09
UTI Gilt Fund - Discontinued Plan - PF Plan - PDAR	NA	584.24	1.70	-0.15	1.25	4.57	7.09

All funds

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krishna_ksvs
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5 days ago

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hunch
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39 days ago

JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss View more | 1

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  JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss
  
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The Fixed Income
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3 days ago

Secure Your attractive Returns with a Long-Term PSU Bond 9.35% Telangana State Industrial Infrastructure Corporation Limited – 2031 ✔️ Coupon: 9.35% ✔️ Rating: INDIA RATING AA(CE) Stable, Acuite (SMERA) AA(CE) Stable ✔️ Tenor: 6y 3m (Maturity: 31/Dec/2031) ✔️ Senior Secured | PSU Bond | High Return Bond | Listed A reliable PSU bond offering steady returns over a long-term horizon. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJldWJ3PT0=/935-telangana-state-industrial-infrastructure-corporation-limited-31dec2031?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Secure Your attractive Returns with a Long-Term PSU Bond 9.35% Telangana State Industrial Infrastructure Corporation Limited – 2031 ✔️ Coupon: 9.35% ✔️ Rating: INDIA RATING AA(CE) Stable, Acuite (SMERA) AA(CE) Stable ✔️ Tenor: 6y 3m (Maturity: 31/Dec/2031) ✔️ Senior Secured | PSU Bond | High Return Bond | Listed A reliable PSU bond offering steady returns over a long-term horizon. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJldWJ3PT0=/935-telangana-state-industrial-infrastructure-corporation-limited-31dec2031?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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ravisistla
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68 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

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  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
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sunny85deol
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105 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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Progrowth Finwealth
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106 days ago

Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time View more | 1

Posted by : Progrowth Finwealth
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  Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time
  
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