UTI - Unit Linked Insurance
Dynamic Asset Allocation or Balanced Advantage · UTI Asset Mgmt. Co. Ltd.
Among the 135 funds in its category, this one has grown money a bit faster than average. ₹1 lakh invested 5 years ago would be about ₹1.3 lakh today. Investing ₹10,000 every month for the last 10 years would have put in ₹12.1 lakh and grown it to about ₹18.1 lakh. Be warned: in its worst stretch, ₹1 lakh briefly shrank to about ₹82,150. Expect meaningful ups and downs on the way.
New to fund research? Start with the 5-minute guide. The detailed numbers below back all of this up.UTI - Unit Linked Insurance is a Dynamic Asset Allocation or Balanced Advantage fund from UTI Asset Mgmt. Co. Ltd.. It has a track record of about 13.7 years. As of the latest data it carries an RS rating of 91/99 (its recent momentum versus category peers) and a King Score of 56/100 (a long-term quality composite). The current NAV is ₹46.29 (as of 2026-09-16).
Growth of ₹100 - last 5 years
UTI - Unit Linked Insurance returns: last 1, 3, 5 and 10 years
| Period | This fund | Category average |
|---|---|---|
| 1 month | -2.51% | -2.55% |
| 3 months | 2.67% | 0.65% |
| 6 months | 5.7% | 3.72% |
| 1 year | 0.96% | 1.46% |
| 3 years (CAGR) | 7.33% | 8.91% |
| 5 years (CAGR) | 6.14% | 8.8% |
| 10 years (CAGR) | 7.73% | 10.38% |
The last 10 years return of UTI - Unit Linked Insurance works out to 7.73% a year (CAGR) - ₹1 lakh invested 10 years ago would be about ₹2.1 lakh today. The last 5 years return is 6.14% a year (₹1 lakh → ₹1.3 lakh), and the last 3 years return is 7.33% - behind its category's 8.91% average by 1.6 points. Its trailing one-year return is 0.96%. Trailing returns flatter or disappoint depending on the end date you pick - the year-by-year and rolling-return sections below are a fairer read.
Year-by-year returns
| Year | UTI - Unit Linked Insu | Benchmark |
|---|---|---|
| 2018 | +3.1% | -3.4% |
| 2019 | +0.8% | +7.7% |
| 2020 | +14.9% | +16.7% |
| 2021 | +15.4% | +30.2% |
| 2022 | -1.6% | +3.0% |
| 2023 | +12.8% | +25.8% |
| 2024 | +12.2% | +15.2% |
| 2025 | +5.1% | +6.7% |
| 2026 | +1.2% | -5.8% |
UTI - Unit Linked Insurance beat its benchmark in 2 of the last 9 calendar years. A below-par hit-rate versus its own index is worth weighing against its other strengths. Consistency against the benchmark matters more than any single great year.
Calendar-year returns show how bumpy the ride really was - an average hides the good years and the ugly ones.
What a monthly SIP in UTI - Unit Linked Insurance would have made
A ₹10,000-a-month SIP, using this fund's actual NAV history. SIP returns (XIRR) differ from lumpsum CAGR because your money goes in gradually, averaging your entry price.
| SIP duration | You invested | It became | XIRR |
|---|---|---|---|
| 3 years | ₹370,000 | ₹402,335 | 5.52% |
| 5 years | ₹610,000 | ₹723,935 | 6.78% |
| 10 years | ₹1,210,000 | ₹1,807,532 | 7.78% |
Over 10 years, ₹1,210,000 invested in monthly instalments would have grown to about ₹1,807,532 - an XIRR of 7.78%. Figures are pre-tax and assume you stayed invested throughout.
Risk & drawdowns
| Measure | This fund | Category average |
|---|---|---|
| Worst drawdown (lifetime) | -17.85% | -16.31% |
| Worst drawdown (3Y) | -8.18% | -9.91% |
| Volatility (1Y) | 8.12% | 10.51% |
| Sharpe (3Y) | 0.15 | 0.28 |
| Sortino (3Y) | 0.29 | 0.47 |
| Beta (3Y) | 0.39 | 0.55 |
| Alpha (3Y) | 0.11% | 1.16% |
| Up capture | 42.6% | 60.22% |
| Down capture | 32.3% | 50.55% |
| Bull-market return | 12.9% | 18.15% |
| Bear-market return | -10.5% | -14.83% |
Timing matters more than people admit: the best possible 1-year stretch in UTI - Unit Linked Insurance (starting 2020-03-23) gained 37.8%, while the worst (starting 2019-03-22) lost 15.6%. The worst peak-to-bottom fall UTI - Unit Linked Insurance has ever put investors through is -17.85% - the real test of whether you'd have stayed invested. In falling markets (Nifty below its 200-day average) it has returned about -10.5% annualised, versus 12.9% in rising markets. It has captured roughly 42.6% of its benchmark's up-moves and 32.3% of its down-moves.
How UTI - Unit Linked Insurance behaves when markets fall
When the market is falling (the Nifty below its 200-day average), UTI - Unit Linked Insurance has historically returned about -10.5% annualised, versus roughly 12.9% when the market is rising. Its deepest fall on record is -17.85%. Right now it sits about 2.56% below its all-time high (last hit 2026-08-13). The real question isn't the average year - it's whether you could hold on through the worst one.
How UTI - Unit Linked Insurance ranks in its category
Percentile versus its ~135 category peers - 100th is best-in-class, 50th is average. This is the fairest apples-to-apples read.
Consistency (rolling returns)
| Measure | Value |
|---|---|
| Median 3Y rolling CAGR | 8.72% |
| 3Y windows positive | 99.8% |
| Worst 3Y window | -0.05% |
| 3Y windows beating Nifty 500 | 10.1% |
| Median 5Y rolling CAGR | 8.18% |
| Median 10Y rolling CAGR | 8.51% |
Instead of one lucky start date, rolling returns test every start date. Across all 3-year windows in its history, UTI - Unit Linked Insurance returned a median of 8.72% a year, and 99.8% of those windows were positive.
Cost & fund basics
| Detail | Value |
|---|---|
| Exit load | ≈1% if redeemed within 1 year (typical) |
| Fund size (AUM) | ₹146 Cr |
| Age | 13.7 years |
| Plan / Option | Direct · Growth |
| Benchmark | NIFTY500 |
How UTI - Unit Linked Insurance compares to peers
| Fund | RS | King | 3Y CAGR |
|---|---|---|---|
| WhiteOak Capital Balanced Advantage Fund | 97 | 94 | 11.3% |
| Mirae Asset Balanced Advantage Fund | 82 | 89 | 9.6% |
| Axis Balanced Advantage Fund | 63 | 87 | 10.8% |
| SBI Balanced Advantage Fund | 52 | 87 | 9.2% |
| HSBC Balanced Advantage Fund | 83 | 85 | 9.1% |
| Franklin India Balanced Advantage Fund | 65 | 83 | 9.3% |
Overlap warning: funds in the same category often own many of the same stocks - holding several rarely adds the diversification people expect.
What these numbers mean
RS rating (1-99) ranks a fund's recent momentum against its category - higher is stronger right now. King Score (0-100) is a long-term quality composite (returns, consistency, drawdown, risk-adjusted return) versus peers. Max drawdown is the worst peak-to-bottom fall the fund has ever experienced. Rolling returns test every possible start date, so one lucky (or unlucky) entry point can't distort the picture. Every formula behind this page is public - see how we calculate every number.
UTI - Unit Linked Insurance review: the bottom line
Related
Frequently asked questions
Is UTI - Unit Linked Insurance a good mutual fund?
That depends on your goals and risk tolerance - this is descriptive research, not advice. On the numbers, UTI - Unit Linked Insurance scores 56/100 on our King Score and RS 91/99 within its category, has compounded 7.33% a year over three years, and its worst drawdown was -17.85%. Compare those against your needs and the peer table above.
What is the NAV of UTI - Unit Linked Insurance today?
The latest NAV is ₹46.29 (as of 2026-09-16). NAV (net asset value) is the per-unit price of the fund, published every business day by the AMC.
What is the last 10 years return of UTI - Unit Linked Insurance?
Over the last 10 years UTI - Unit Linked Insurance has returned about 7.73% a year (CAGR). In rupees: ₹1 lakh invested 10 years ago would be roughly ₹2.1 lakh today, before tax. See the year-by-year table above for how uneven the ride was.
Is UTI - Unit Linked Insurance safe? How risky is it?
No market-linked fund is 'safe' in the fixed-deposit sense - the honest question is how deep its falls get. Its worst historical drawdown was -17.85% - ₹1 lakh briefly becoming about ₹82,150. As a hybrid fund, its risk profile is typical of that category. Look at the drawdown, volatility and bear-market figures above and ask whether you could stay invested through the bad stretches.
Is UTI - Unit Linked Insurance good for SIP?
We can't tell you what to do, but here is what actually happened: a ₹10,000 monthly SIP over the last 10 years grew ₹12.1 lakh into about ₹18.1 lakh (XIRR 7.78%). SIPs average your entry price, which helps most in funds that swing hard - check the crash-behaviour section above to see how it treats investors in bad markets.
What are the SIP returns of UTI - Unit Linked Insurance?
A ₹10,000/month SIP over 10 years would have grown to about ₹1,807,532 (an XIRR of 7.78%) on ₹1,210,000 invested, using the fund's actual NAV history. See the SIP table above for other durations.
How does UTI - Unit Linked Insurance rank among similar funds?
On 3-year returns it sits around the 58th percentile of its category, and its consistency ranks 49th percentile. 100th is best-in-class, 50th is average. See the category-ranking section above.
Is UTI - Unit Linked Insurance tax-efficient / what about capital gains?
As a hybrid fund, gains follow the rules for its asset class - equity-oriented funds are taxed differently from debt. All returns on this page are pre-tax; your actual post-tax return depends on your holding period and slab. This is descriptive information, not tax advice.
Direct or Regular plan - which is shown here?
All figures on this page are for the Direct-Growth plan (no distributor commission, lower cost). Returns are pre-tax; capital-gains tax depends on your own holding period and slab.
See UTI - Unit Linked Insurance live in the MF Terminal
Everything above is a static snapshot. The terminal is where you actually research it:
- Interactive price chart with EMAs & RSI
- The RS line plotted against its benchmark
- Full holdings, sector mix & portfolio overlap
- Point-in-time backtester & portfolio doctor
- Compare it side-by-side with any peer
- Screen 1,600+ funds on the same metrics
Data: AMFI NAV history, NSE indices, BSE StAR and monthly disclosures. All figures are pre-tax. Descriptive research and education only - nothing here is investment advice or a recommendation to buy, sell or hold any fund. Past performance does not guarantee future returns.