Can I invest in SIP and Lumpsum in UTI-Unit Linked Insurance Plan Direct Growth?

Yes, you can invest both lumpsum and SIP in UTI-Unit Linked Insurance Plan. Minimum lumpsum investment UTI-Unit Linked Insurance Plan is ₹15,000 and minimum SIP amount is ₹500 . Lumpsum option is ideal for investors with higher investible corpus and market experience. SIP option is recommended for retail investors who do not have the time or expertise to time the market.

What is the NAV of UTI-Unit Linked Insurance Plan Direct Growth?

The latest NAV ( Net Asset Value ) of UTI-Unit Linked Insurance Plan is UTI-Unit Linked Insurance Plan is ₹39.17 as on 2025-03-13.

Which are the biggest stock holdings of UTI-Unit Linked Insurance Plan?

The 5 biggest stock holdings of UTI-Unit Linked Insurance Plan are: Bajaj Finance (2.55%), HDFC Bank (2.51%), ICICI Bank (2.40%), Zomato Ltd (1.55%), Kotak Mah. Bank (1.52%)

What are the top sectors UTI-Unit Linked Insurance Plan invests in?

A majority of UTI-Unit Linked Insurance Plan 's AUM worth ₹5,193.89 (Cr) is invested in these 3 top sectors: Debt : 58.99% Banks : 6.82% Retailing : 5.53%

Mutual Funds
AMC
UTI-Unit Linked Insurance Plan

UTI-Unit Linked Insurance Plan

Dynamic Asset Allocation or Balanced Advantage

Invest Now

NAV
39.17(-0.08%)
Fund Size (CR)
₹5,193.89
Expense Ratio
1.65
Scheme Type
Active Fund
Value Research
-

Min. investment
₹15,000
Minimum Additional Investment
₹0
Minimum SIP Investment
₹500
Minimum Withdrawal
₹0
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
0%
Return Since Launch
10.31%

Absolute Return: -4.47%

Annualized Return: 0%

Basic Details

Scheme Manager

Amandeep Chopra

Bench Mark

Nifty 50 Hybrid Composite Debt 50:50 Index

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	5 March 2025	10005.59	0.06%	-	0.17%	96/145
1 Month	12 February 2025	9872.83	-1.27%	-	-1.57%	44/145
3 Month	12 December 2024	9583.21	-4.17%	-	-7.00%	20/145
6 Month	12 September 2024	9661.35	-3.39%	-	-7.72%	8/145
1 Year	12 March 2024	10847.10	8.47%	8.47%	3.61%	12/137
3 Year	11 March 2022	12250.67	22.51%	6.99%	10.91%	104/107
5 Year	12 March 2020	16602.09	66.02%	10.66%	13.56%	73/87
Since Inception	1 October 1971	1903477.10	18934.77%	10.31%	9.68%	65/145

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	1 April 2024	1,20,000	5845096.07	4770.91%	4770.91%
3 Year	1 April 2022	3,60,000	19554216.06	5331.73%	278.72%
5 Year	1 April 2020	6,00,000	35648047.11	5841.34%	126.35%
10 Year	1 April 2015	12,00,000	86016179.82	7068.01%	53.30%

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

1.81%

Standard Deviation

0.44%

Beta

0.02%

Sharpe Ratio

0.04%

Treynor's Ratio

-1.24%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
Bajaj Finance	2.55%	155219	132.41	Equity	Finance
HDFC Bank	2.51%	753747	130.58	Equity	Banks
ICICI Bank	2.40%	1035050	124.63	Equity	Banks
Zomato Ltd	1.55%	3624244	80.49	Equity	E-Commerce/App based Aggregator
Kotak Mah. Bank	1.52%	414718	78.92	Equity	Banks
Infosys	1.41%	433790	73.21	Equity	IT - Software
LTIMindtree	1.39%	155109	72.37	Equity	IT - Software
Info Edg.(India)	1.36%	100932	70.58	Equity	E-Commerce/App based Aggregator
Avenue Super.	1.22%	186602	63.52	Equity	Retail
Coforge	1.16%	81686	60.14	Equity	IT - Software

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
DSP Dynamic Asset Allocation Fund -Dir (G)	3105.84	-0.32%	-2.80%	-1.94%	11.05%	11.63%
DSP Dynamic Asset Allocation Fund -Dir (IDCW-M)	3105.84	-0.64%	-3.11%	-2.26%	10.69%	11.52%
AXIS Balanced Advantage Fund - Direct (G)	2625.19	-1.27%	-4.95%	-4.62%	10.49%	13.68%
AXIS Balanced Advantage Fund - Direct (IDCW)	2625.19	-1.27%	-4.92%	-4.61%	10.46%	13.67%
WhiteOak Capital Balanced Advantage Fund - Dir (G)	1296.33	-1.44%	-6.49%	-4.64%	9.86%	-

List of Schemes under UTI Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
UTI-Liquid Fund	Debt	Moderate	7.34%	3	₹24,805.07
UTI-Money Market Fund	Debt	Moderate	7.65%	4	₹18,083.13
UTI-Banking & PSU Fund	Debt	Moderate	7.48%	2	₹825.46
UTI-Low Duration Fund	Debt	Moderately Low	7.54%	3	₹3,236.69
UTI-Annual Interval Fund - II	Debt	Moderately Low	6.89%	0	₹12.86
UTI-Annual Interval Fund - I	Debt	Moderately Low	6.87%	0	₹13.27
UTI-Quarterly Interval Fund - III	Debt	Low	6.8%	0	₹8.61
UTI-Quarterly Interval Fund - I	Debt	NA	6.54%	0	₹9.40
UTI-Quarterly Interval Fund - II	Debt	NA	6.31%	0	₹2.22
UTI-Short Duration Fund	Debt	Moderate	7.77%	4	₹2,446.08
UTI-Nifty 50 Index Fund	Other	Very High	1.6%	3	₹19,486.20
UTI-Ultra Short Duration Fund	Debt	Moderate	7.67%	3	₹3,384.64
UTI-Gilt Fund	Debt	Moderate	7.7%	3	₹643.56
UTI-Overnight Fund	Debt	Low	6.65%	3	₹4,733.64
UTI-Arbitrage Fund	Hybrid	Low	7.93%	3	₹6,414.57
UTI-Credit Risk Fund	Debt	Moderately High	8.43%	3	₹296.93
UTI-Medium to Long Duration Fund	Debt	Moderate	7.78%	4	₹311.56
UTI-Medium Duration Fund	Debt	Moderate	7.9%	2	₹38.95
UTI-Dynamic Bond Fund	Debt	Moderately Low	8.08%	3	₹626.15
UTI-Mid Cap Fund	Equity	Very High	3.14%	2	₹9,899.35
UTI-Value Fund	Equity	Very High	10.95%	2	₹8,944.59
UTI-MNC Fund	Equity	Very High	1.09%	0	₹2,521.02
UTI Dividend Yield Fund	Equity	Very High	8.8%	0	₹3,633.45
UTI-Transportation & Logistics Fund	Equity	Very High	-0.94%	0	₹3,042.57
UTI-Conservative Hybrid Fund	Hybrid	Moderately High	8.92%	3	₹1,609.65
UTI-Children's Equity Fund	Solution Oriented	Very High	4.74%	0	₹994.15
UTI-ELSS Tax Saver Fund	Equity	Very High	5.01%	2	₹3,386.30
UTI-Large Cap Fund	Equity	Very High	3.37%	3	₹11,720.45
UTI-Flexi Cap Fund	Equity	Very High	8.6%	1	₹23,403.53
UTI-Banking and Financial Services Fund	Equity	Very High	8.27%	3	₹1,106.91
UTI-Healthcare Fund	Equity	Very High	17.77%	3	₹1,057.17
UTI-Infrastructure Fund	Equity	Very High	0.78%	1	₹1,921.26
UTI-Unit Linked Insurance Plan	Hybrid	Moderately High	9.23%	0	₹5,193.89
UTI-Large & Mid Cap Fund	Equity	Very High	9.01%	4	₹3,789.32
UTI-Retirement Fund	Solution Oriented	High	7.95%	0	₹4,424.75
UTI Multi Asset Allocation Fund	Hybrid	Very High	7.37%	4	₹4,978.81
UTI-India Consumer Fund	Equity	Very High	4.2%	1	₹620.33
UTI-Aggressive Hybrid Fund	Hybrid	Very High	8.25%	4	₹5,633.37
UTI-BSE Housing Index Fund	Other	Very High	1.02%	0	₹22.03
UTI-Innovation Fund	Equity	Very High	-3.18%	0	₹709.54
UTI-Nifty Private Bank Index Fund	Other	Very High	0%	0	₹177.68
UTI-Equity Savings Fund	Hybrid	Moderate	6.49%	4	₹640.83
UTI-Nifty Midsmallcap 400 Momentum Quality 100 Index Fund	Other	Very High	0%	0	₹33.43
UTI-Nifty Next 50 Index Fund	Other	Very High	0.23%	4	₹4,239.42
UTI-Nifty 500 Value 50 Index Fund	Other	Very High	-0.79%	0	₹453.34
UTI-Focused Fund	Equity	Very High	3.47%	3	₹2,362.08
UTI-Children's Hybrid Fund	Solution Oriented	High	6.39%	0	₹4,316.01
UTI-Nifty SDL Plus AAA PSU Bond Apr 2028 75:25 Index Fund	Other	Moderate	8.15%	0	₹41.74
UTI-Nifty SDL Plus AAA PSU Bond Apr 2026 75:25 Index Fund	Other	Moderate	7.72%	0	₹179.14
UTI-Gold ETF Fund of Fund	Other	High	30.13%	5	₹203.67
UTI-CRISIL SDL Maturity June 2027 Index Fund	Other	Moderate	8.18%	0	₹74.74
UTI-Floater Fund	Debt	Moderately Low	7.19%	3	₹1,438.82
UTI-Nifty Alpha Low-Volatility 30 Index Fund	Other	Very High	0%	0	₹72.24
UTI-Nifty200 Momentum 30 Index Fund	Other	Very High	-12.61%	1	₹7,044.14
UTI-Small Cap Fund	Equity	Very High	10.42%	3	₹3,830.03
UTI-Quant Fund	Equity	Very High	0%	0	₹1,319.44
UTI-Corporate Bond Fund	Debt	Moderate	7.79%	3	₹4,848.06
UTI-Balanced Advantage Fund	Hybrid	Very High	7.61%	0	₹2,792.00
UTI-Long Duration Fund	Debt	Moderate	7.52%	0	₹119.63
UTI-Nifty50 Equal Weight Index Fund	Other	Very High	-0.11%	0	₹87.52
UTI-Nifty200 Quality 30 Index Fund	Other	Very High	0%	0	₹439.88
UTI-BSE Low Volatility Index Fund	Other	Very High	-3.47%	0	₹518.31
UTI-Nifty Midcap 150 Index Fund	Other	Very High	0%	0	₹42.47
UTI-FTI - Series XXXVI-I(1574Days)	Debt	Moderate	8.29%	0	₹58.66
UTI-FTI - Series XXXV-I(1260Days)	Debt	Moderately Low	7.69%	0	₹320.55
UTI-CRISIL SDL Maturity April 2033 Index Fund	Other	Moderate	8.44%	0	₹342.86
UTI-Nifty Midcap 150 Quality 50 Index Fund	Other	Very High	3.35%	0	₹220.64
UTI-BSE Sensex Index Fund	Other	Very High	1.42%	3	₹181.62
UTI-Children's Equity Fund	Solution Oriented	Very High	4.74%	0	₹994.15
UTI-Nifty India Manufacturing Index Fund	Other	Very High	0%	0	₹18.49
UTI-Silver ETF Fund of Fund	Other	Very High	32.15%	0	₹44.41
UTI-Gilt Fund with 10yr Constant Duration	Debt	Moderate	8.65%	0	₹167.78
UTI-FTI - Series XXXV-II(1223Days)	Debt	Moderately Low	7.7%	0	₹178.68
UTI-FTI - Series XXXV-III(1176Days)	Debt	Moderate	7.61%	0	₹43.30

News

UTI Conservative Hybrid Fund announces Income Distribution cum capital withdrawal (IDCW)
UTI Mutual Fund has announced IDCW is 03 March 2025 as the record date for declaration of Income Distribution cum capital withdrawal (IDCW) under Regular Plan-Monthly IDCW Option and Direct Plan-Monthly IDCW Option of UTI Conservative Hybrid Fund. The quantum of IDCW will be Rs 0.0800 per unit or 0.80% on the face value of Rs 10 per unit.
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UTI Aggressive Hybrid Fund announces Income Distribution cum Capital Withdrawal (IDCW)
UTI Mutual Fund has announced 20 February 2025 as the record date for declaration of Income Distribution cum Capital Withdrawal (IDCW) under IDCW-Regular Plan and IDCW-Direct Plan of UTI Aggressive Hybrid Fund. The quantum of dividend will be Rs 0.9000 per unit or 9.00% on the face value of Rs 10 per unit.
Powered by Capital Market - Live News

UTI Conservative Hybrid Fund announces Income Distribution cum capital withdrawal (IDCW)
UTI Mutual Fund has announced IDCW is 03 February 2025 as the record date for declaration of Income Distribution cum capital withdrawal (IDCW) under Regular Plan-Monthly IDCW Option and Direct Plan-Monthly IDCW Option of UTI Conservative Hybrid Fund. The quantum of IDCW will be Rs 0.0800 per unit or 0.80% on the face value of Rs 10 per unit.
Powered by Capital Market - Live News

Fund House Details & Investment Objective

Date of Incorporation

1 October 1971

Total AUM (Cr)

₹5193.89

UTI-Unit Linked Insurance Plan is an Dynamic Asset Allocation or Balanced Advantage-oriented fund from the renowned AMC, UTI Mutual Fund. Launched in 1 October 1971, this fund is managed by Amandeep Chopra. With assets under management (AUM) worth ₹5,193.89 (Cr), as of 13 March 2025, UTI-Unit Linked Insurance Plan is categorized as a Dynamic Asset Allocation or Balanced Advantage within its segment. The fund has generated a return of 10.31% since its launch.
The current NAV of UTI-Unit Linked Insurance Plan is ₹39.17, as on 13 March 2025. The fund's benchmark index is Nifty 50 Hybrid Composite Debt 50:50 Index. You can invest in UTI-Unit Linked Insurance Plan via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹500 while the minimum lumpsum investment is ₹15,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
IF withdrawn prematurely - 2% on or after maturity - NIL. The fund has generated 6.99% and 10.66% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 36.21% in Equity, 60.69% in Debt and 3.07% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 58.99% in Debt, 6.82% in Banks, 5.53% in Retailing, 5.37% in IT-Software, 3.82% in Consumer Durables

FAQs

How to Invest in UTI-Unit Linked Insurance Plan Direct Growth?

UTI-Unit Linked Insurance Plan is a popular fund in the Dynamic Asset Allocation or Balanced Advantage segment. The fund has generated a return of 10.31% since inception. Looking to invest in UTI-Unit Linked Insurance Plan How about earning 1% extra return? All this is possible with m.Stock! Investing in UTI-Unit Linked Insurance Plan is super easy and convenient with m.Stock. Here’s how you can begin:

Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage on Mutual Funds, Delivery & IPO.
In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
In the search bar, enter the fund name, in this case, UTI-Unit Linked Insurance Plan
On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
If you choose to invest a Lumpsum: Use the Lumpsum Calculator to estimate returns, then enter the investment amount, select the payment mode mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
If you choose the SIP route: Utilize the SIP Calculator to forecast potential growth, then enter the SIP amount, SIP date, and set up ‘Autopay’ facility.

So, why wait? Invest in UTI-Unit Linked Insurance Plan today and reap the benefits of this Dynamic Asset Allocation or Balanced Advantage fund!

How much returns has UTI-Unit Linked Insurance Plan Direct Growth generated?

In the short term, i.e., 1 year, UTI-Unit Linked Insurance Plan has generated annualised return of 8.47%. In the long-term, the fund has generated 6.99% and 10.66% in 3 and 5 years respectively. Since its inception, the fund has generated 10.31% returns.

What is the expense ratio of UTI-Unit Linked Insurance Plan Direct Growth?

The expense ratio of UTI-Unit Linked Insurance Plan Direct Growth is 1.65%. Expense ratio is the fees payable by investors of the scheme towards management, research and overall upkeep of the fund. The higher the expense ratio, the lower is the in-hand return for the investor. Expense ratio for direct plans is lower than regular plans, making them ideal for investors.

What is the AUM of UTI-Unit Linked Insurance Plan Fund Direct Growth?

The Assets Under Management (AUM) of UTI-Unit Linked Insurance Plan is ₹5,193.89 (Cr) as of 2025-03-13 AUM shows the fund’s popularity and is often indicative of fund strength.

How to redeem or withdraw money from UTI-Unit Linked Insurance Plan Direct Growth?

Redeeming or selling units of UTI-Unit Linked Insurance Plan is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.

To redeem from UTI-Unit Linked Insurance Plan:

Login to your m.Stock account
In portfolio, your mutual fund investments will be visible under ‘MF’
Select the fund you wish to redeem from (in this case UTI-Unit Linked Insurance Plan).
Click on ‘Redeem’ button
You have 2 options – redeem by units and redeem by value (you can only redeem free units)
Select units to be redeemed and click on submit.
Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).