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.

Returns (NAV as on 21st November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	14-Nov-25	9998.00	-0.02%	-	-0.01%	2/2
1 Month	20-Oct-25	9961.70	-0.38%	-	-0.36%	2/2
3 Month	21-Aug-25	10098.30	0.98%	-	1.06%	2/2
6 Month	21-May-25	10156.00	1.56%	-	1.72%	2/2
YTD	01-Jan-25	10513.30	5.13%	-	5.62%	2/2
1 Year	21-Nov-24	10717.30	7.17%	7.17%	7.52%	2/2
2 Year	21-Nov-23	12136.40	21.36%	10.15%	10.53%	2/2
3 Year	21-Nov-22	13065.10	30.65%	9.31%	9.69%	2/2
5 Year	20-Nov-20	15351.70	53.52%	8.94%	9.33%	2/2
10 Year	20-Nov-15	21718.30	117.18%	8.06%	8.42%	2/2
Since Inception	05-Jul-00	83315.60	733.16%	8.71%	8.96%	2/2

Returns Calculator

SIP Returns (NAV as on 21st November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	21-Nov-24	12000	12406.66	3.39 %	6.31 %
2 Year	21-Nov-23	24000	26044.54	8.52 %	8.06 %
3 Year	21-Nov-22	36000	41412.82	15.04 %	9.29 %
5 Year	20-Nov-20	60000	74257.67	23.76 %	8.45 %
10 Year	20-Nov-15	120000	183832.26	53.19 %	8.26 %

SIP Calculator

Compare performance

Category	1 D	1 M	3 M	6 M	YTD	1 Y	2 Y	3 Y	5 Y
This Fund	-0.39%	-0.38%	0.98%	1.56%	5.31%	7.17%	10.15%	9.31%	8.94%
Nifty 50	-0.47%	0.77%	3.92%	5.06%	10.25%	11.64%	15.01%	12.79%	15.16%
Benchmark: NIFTY 50 Hybrid Composite Debt 50:50 Index	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Category Average	-0.38%	-0.36%	1.06%	1.72%	5.62%	7.52%	10.53%	9.69%	9.33%
Category Rank	1/2	1/2	1/2	1/2	1/2	1/2	1/2	1/2	1/2
Best in Category	-0.38%	-0.33%	1.14%	1.89%	5.92%	7.87%	10.90%	10.07%	9.72%
Worst in Category	-0.39%	-0.38%	0.98%	1.56%	5.31%	7.17%	10.15%	9.31%	8.94%

quartely results (NAV as on 21st November, 2025)

Period

This Fund

Nifty 50

NIFTY 50 Hybrid Composite Debt 50:50 Index

Category Average

2025

5.06%

9.79%

4.94%

Q4 - 2025	1.31%	4.96%	--	1.75%
Q3 - 2025	-1.29%	-3.64%	--	-0.77%
Q2 - 2025	5.80%	10.15%	--	2.46%
Q1 - 2025	-0.39%	-2.43%	--	0.64%

2024

11.41%

8.75%

12.95%

Q4 - 2024	-1.36%	-8.34%	--	-1.16%
Q3 - 2024	5.88%	6.91%	--	6.32%
Q2 - 2024	5.24%	7.48%	--	5.50%
Q1 - 2024	0.66%	3.31%	--	0.53%

2023

11.56%

19.48%

14.66%

Q4 - 2023	4.25%	11.33%	--	4.25%
Q3 - 2023	1.70%	1.07%	--	1.70%
Q2 - 2023	6.74%	10.29%	--	4.56%
Q1 - 2023	-1.07%	-4.60%	--	-1.07%

2022

-2.37%

3.24%

0.15%

Q4 - 2022	-0.17%	7.76%	--	-0.17%
Q3 - 2022	5.27%	8.52%	--	5.61%
Q2 - 2022	-5.86%	-10.70%	--	-4.43%
Q1 - 2022	-1.93%	-0.91%	--	0.00%

2021

13.48%

23.79%

24.06%

Q4 - 2021	0.67%	-1.02%	--	0.00%
Q3 - 2021	8.05%	12.36%	--	8.15%
Q2 - 2021	3.50%	5.75%	--	3.89%
Q1 - 2021	1.19%	4.80%	--	1.42%

2020

12.7%

14.77%

7.5%

Q4 - 2020	11.63%	22.46%	--	9.44%
Q3 - 2020	5.98%	7.84%	--	6.25%
Q2 - 2020	9.33%	24.82%	--	8.28%
Q1 - 2020	-11.75%	-29.43%	--	-11.63%

2019

0.31%

11.53%

10.42%

Q4 - 2019	4.34%	7.12%	--	3.87%
Q3 - 2019	0.04%	-3.30%	--	0.25%
Q2 - 2019	-3.88%	1.68%	--	-5.73%
Q1 - 2019	2.10%	6.96%	--	2.11%

2018

2.83%

4.09%

2.16%

Q4 - 2018	1.30%	-1.32%	--	1.51%
Q3 - 2018	-1.11%	3.29%	--	-1.11%
Q2 - 2018	2.52%	4.36%	--	-0.28%
Q1 - 2018	-0.09%	-2.14%	--	-0.36%

2017

17.07%

27.58%

22.32%

Q4 - 2017	3.65%	5.84%	--	3.65%
Q3 - 2017	3.40%	2.54%	--	3.40%
Q2 - 2017	2.49%	3.06%	--	2.49%
Q1 - 2017	6.57%	12.16%	--	6.57%

2016

6.82%

2.72%

3.2%

Q4 - 2016	-2.25%	-6.39%	--	-2.25%
Q3 - 2016	3.94%	3.40%	--	4.20%
Q2 - 2016	3.19%	7.45%	--	3.19%
Q1 - 2016	0.26%	-2.82%	--	0.26%

2015

6.16%

-4.08%

2.09%

Q4 - 2015	0.54%	-0.06%	--	0.54%
Q3 - 2015	1.84%	-5.96%	--	1.84%
Q2 - 2015	-0.42%	-2.54%	--	-0.42%
Q1 - 2015	4.16%	2.50%	--	4.16%

2014

21.74%

31.44%

26.35%

Q4 - 2014	4.83%	4.24%	--	4.83%
Q3 -	--	4.32%	--	--
Q2 - 2014	8.80%	13.25%	--	8.80%
Q1 - 2014	3.83%	6.39%	--	3.83%

Best Quarters

Period	This Fund	Nifty 50	NIFTY 50 Hybrid Composite Debt 50:50 Index	Category Average
Q4 - 2020	11.63%	22.46%	--	9.44%
Q4 - 2020	9.44%	22.46%	--	9.44%
Q2 - 2020	9.33%	24.82%	--	8.27%

Worst Quarters

Period	This Fund	Nifty 50	NIFTY 50 Hybrid Composite Debt 50:50 Index	Category Average
Q1 - 2020	-11.75%	-29.43%	--	-11.63%
Q2 - 2022	-5.86%	-10.70%	--	-4.43%
Q1 - 2020	-11.63%	-29.43%	--	-11.63%