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

: ₹ 42.3753 -0.09%
(as on 07th November, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 5294.1 Cr

(50% of Investment in Category)

Expense Ratio

: 1.64%

(1.33% Category average)

Risk-O-Meter

High Risk

Investment cum Insurance :Investment cum Insurance : The fund has 38.27% investment in domestic equities of which 13.18% is in Large Cap stocks, 5.44% is in Mid Cap stocks, 2.53% in Small Cap stocks.The fund has 56.02% investment in Debt, of which 37.36% in Government securities, 18.66% is in Low Risk securities.

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This Scheme

VS

NIFTY 50 Hybrid Composite Debt 50:50 Index

1.33%

2.67%

3.82%

7.38%

12.42%

11.74%

18.05%
NA
0.17%

1.31%

2.65%

6.05%

11.03%

9.8%

8.96%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 07th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	31-Oct-25	9978.10	-0.22%	-	-0.21%	2/2
1 Month	07-Oct-25	10014.90	0.15%	-	0.18%	2/2
3 Month	07-Aug-25	10123.30	1.23%	-	1.31%	2/2
6 Month	07-May-25	10248.00	2.48%	-	2.65%	2/2
YTD	01-Jan-25	10479.00	4.79%	-	5.26%	2/2
1 Year	07-Nov-24	10570.10	5.70%	5.70%	6.05%	2/2
2 Year	07-Nov-23	12246.40	22.46%	10.65%	11.03%	2/2
3 Year	07-Nov-22	12980.40	29.80%	9.08%	9.45%	2/2
5 Year	06-Nov-20	15680.60	56.81%	9.40%	9.80%	2/2
10 Year	06-Nov-15	21630.10	116.30%	8.01%	8.37%	2/2
Since Inception	05-Jul-00	83043.60	730.44%	8.71%	8.96%	2/2

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 07th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	07-Nov-24	12000	12393.62	3.28 %	6.1 %
2 Year	07-Nov-23	24000	26057.87	8.57 %	8.1 %
3 Year	07-Nov-22	36000	41362.12	14.89 %	9.21 %
5 Year	06-Nov-20	60000	74119.55	23.53 %	8.37 %
10 Year	06-Nov-15	120000	183340.79	52.78 %	8.21 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Please check with your Tax Advisor.

Portfolio (Updated on 30th Sep,2025)

Portfolio Turnover Ratio : 11.00% | 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 : 38.27% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 38.27%

No of Stocks : 64 (Category Avg - 0.00) | Large Cap Investments : 13.18%| Mid Cap Investments : 5.44% | Small Cap Investments : 2.53% | Other : 17.12%

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
Bajaj Finance Ltd.	Non banking financial company (nbfc)	1432.4	2.71%	0.24%	2.71% (Sep 2025)	1.76% (Nov 2024)	14.34 L	-0.68 L
ICICI Bank Ltd.	Private sector bank	1327.8	2.51%	-0.10%	2.76% (Jul 2025)	2.4% (Feb 2025)	9.85 L	-0.12 L
HDFC Bank Ltd.	Private sector bank	1313.8	2.48%	-0.02%	2.68% (May 2025)	2.39% (Jan 2025)	13.82 L	-0.18 L
Eternal Ltd.	E-retail/ e-commerce	1241.8	2.35%	0.10%	2.35% (Sep 2025)	1.34% (Oct 2024)	38.15 L	0.00
Avenue Supermarts Ltd.	Diversified retail	853	1.61%	-0.09%	1.7% (Aug 2025)	1.22% (Feb 2025)	1.91 L	0.00
Info Edge (India) Ltd.	Internet & catalogue retail	795.4	1.50%	-0.05%	1.55% (Aug 2025)	1.32% (Oct 2024)	6.08 L	0.00
Kotak Mahindra Bank Ltd.	Private sector bank	777.2	1.47%	0.01%	1.68% (Mar 2025)	1.33% (Oct 2024)	3.90 L	-6.50 k
Dixon Technologies (India) Ltd.	Consumer electronics	690.4	1.30%	-0.08%	1.38% (Jul 2025)	0.86% (Oct 2024)	42.30 k	-1.85 k
LTIMindtree Ltd.	Computers - software & consulting	680.8	1.29%	-0.05%	1.79% (Nov 2024)	1.29% (Sep 2025)	1.32 L	-7.00 k
Coforge Ltd.	Computers - software & consulting	628.5	1.19%	-0.12%	1.47% (Dec 2024)	1.11% (Apr 2025)	3.95 L	-8.70 k

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

Detailed Portfolio Analysis

No of Debt Holding 57 (Category Avg - 0.00) | Modified Duration 5.77 Years (Category Avg - 0.00)| Yield to Maturity 6.95% (Category Avg - 0.00%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	37.36%	0.00%
NCD & Bonds	17.49%	0.00%
PTC	1.17%	0.00%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	37.36%	0.00%
Low Risk	18.66%	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	5.33%
MF Units	MF Units	0.11%
MF Units	MF Units	0.11%
Margin	Margin	0.08%
Roadstar Infra Investment Trust	InvITs	0.04%

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	5294.10	0.20	1.39	2.81	6.39	9.83

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	21945.52	0.47	1.44	3.00	6.68	6.63
UTI Money Market Fund - Discontinued - Growth	4	18862.20	0.45	1.39	3.09	6.92	7.25
UTI Money Market Fund - Discontinued - Growth	4	18862.20	0.48	1.48	3.35	7.64	7.25
UTI Unit Linked Insurance Plan (ULIP)	NA	5294.10	0.15	1.23	2.48	5.70	9.08
UTI Unit Linked Insurance Plan (ULIP) - Direct Plan	NA	5294.10	0.20	1.39	2.81	6.39	9.83
UTI Ultra Short Duration Fund - Discontinued Plan - Institutional - Growth	2	3482.79	0.46	1.39	3.08	6.82	7.04
UTI Short Duration Fund - Discontinued Plan - Growth	1	3230.60	0.47	1.36	3.09	7.86	7.32
UTI Low Duration Fund - Discontinued Plan - Growth	3	2302.40	0.53	1.56	3.46	7.73	7.18
UTI Gilt Fund - Discontinued Plan - PF Plan - Growth	NA	566.16	0.33	0.55	-0.36	5.52	7.14
UTI Gilt Fund - Discontinued Plan - PF Plan - PDAR	NA	566.16	0.33	0.55	-0.36	5.52	7.14