Uti Unit Linked Insurance Plan Overview
Category Dynamic Asset Allocation or Balanced Advantage
BMSMONEY Rank 20
BMSMONEY Rating
Gro. Opt. As On: 27-12-2024
NAV ₹40.34(R) +0.1% ₹43.48(D) +0.1%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 11.77% 7.18% 9.71% 7.31% 8.12%
LumpSum (D) 12.57% 7.97% 10.52% 8.05% 8.84%
SIP (R) 11.67% 10.78% 10.2% 8.75% 8.36%
SIP (D) 12.45% 11.57% 11.01% 9.52% 9.1%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.03 0.03 0.4 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
6.13% -7.59% -7.4% - 4.16%
Top Dynamic Asset Allocation or Balanced Advantage
Fund Name Rank Rating
Hdfc Balanced Advantage Fund 1
Axis Balanced Advantage Fund 2
Invesco India Balanced Advantage Fund 3
SBI Balanced Advantage Fund 4
Baroda BNP Paribas Balanced Advantage Fund 5

NAV Date: 27-12-2024

Scheme Name NAV Rupee Change Percent Change
UTI - Unit Linked Insurance Plan 40.34
0.0400
0.1000%
UTI - Unit Linked Insurance Plan- Direct 43.48
0.0400
0.1000%

Review Date: 27-12-2024

uti unit linked insurance plan has shown poor performance in the Dynamic Asset Allocation or Balanced Advantage Fund category. The fund has rank of 20 out of 22 funds in the category. The fund has delivered return of 11.77% in 1 year, 7.18% in 3 years, 9.71% in 5 years and 8.12% in 10 years. The category average for the same periods is 13.5%, 11.63%, 12.41% and 10.0% respectively, which shows poor return performance of fund in the category. The fund has exhibited standard deviation of 6.13, VaR of -7.59, Average Drawdown of -2.99, Semi Deviation of 4.16 and Max Drawdown of -7.4. The category average for the same parameters is 7.66, -7.94, -2.83, 5.28 and -6.17 respectively. The fund has low risk in the category.

Key Points:

  1. An investment of ₹10,000 in uti unit linked insurance plan direct growth option would have grown to ₹11257.0 in 1 year, ₹12586.0 in 3 years and ₹16491.0 in 5 years as of today (27-12-2024).
  2. An SIP of ₹1,000 per month in uti unit linked insurance plan direct growth option would have grown to ₹12794.0 in 1 year, ₹42816.0 in 3 years and ₹79148.0 in 5 years as of today (27-12-2024).
  3. standard deviation of 6.13 and based on VaR one can expect to lose more than -7.59% of current value of fund in one year.
  4. Sharpe ratio of the fund is 0.03 which shows poor performance of fund in the dynamic asset allocation or balanced advantage fund category.


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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 0.09
-0.16
-1.65 | 2.14 11 | 34 Good
3M Return % -1.39
-3.50
-9.60 | 0.05 8 | 34 Very Good
6M Return % 4.92
2.08
-4.13 | 5.43 4 | 34 Very Good
1Y Return % 11.77
13.50
7.31 | 22.62 21 | 31 Average
3Y Return % 7.18
11.63
7.18 | 22.55 22 | 22 Poor
5Y Return % 9.71
12.41
9.34 | 19.88 16 | 17 Poor
7Y Return % 7.31
9.83
7.10 | 14.83 11 | 12 Poor
10Y Return % 8.12
10.00
7.38 | 14.31 9 | 10 Average
15Y Return % 5.40
10.75
5.40 | 13.70 6 | 6 Average
1Y SIP Return % 11.67
7.97
-0.61 | 14.29 6 | 31 Very Good
3Y SIP Return % 10.78
14.32
10.78 | 22.97 22 | 22 Poor
5Y SIP Return % 10.20
13.68
10.20 | 23.75 17 | 17 Poor
7Y SIP Return % 8.75
11.99
8.75 | 19.54 12 | 12 Poor
10Y SIP Return % 8.36
11.17
8.36 | 17.18 10 | 10 Poor
15Y SIP Return % 7.42
11.70
7.42 | 15.38 6 | 6 Average
Standard Deviation 6.13
7.66
5.08 | 11.99 4 | 22 Very Good
Semi Deviation 4.16
5.28
3.57 | 7.78 4 | 22 Very Good
Max Drawdown % -7.40
-6.17
-10.00 | -2.81 16 | 22 Average
VaR 1 Y % -7.59
-7.94
-13.51 | -3.49 10 | 22 Good
Average Drawdown % -2.99
-2.83
-4.74 | -1.28 15 | 22 Average
Sharpe Ratio 0.03
0.60
0.03 | 1.57 22 | 22 Poor
Sterling Ratio 0.40
0.74
0.40 | 1.62 22 | 22 Poor
Sortino Ratio 0.03
0.32
0.03 | 0.96 22 | 22 Poor
Return data last Updated On : Dec. 27, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 29, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 0.14 -0.05 -1.55 | 2.39 11 | 34
3M Return % -1.22 -3.19 -9.28 | 0.38 9 | 34
6M Return % 5.28 2.74 -3.43 | 6.28 5 | 34
1Y Return % 12.57 14.98 8.43 | 24.46 25 | 31
3Y Return % 7.97 13.04 7.97 | 23.34 22 | 22
5Y Return % 10.52 13.75 10.52 | 20.63 17 | 17
7Y Return % 8.05 11.04 7.90 | 15.61 11 | 12
10Y Return % 8.84 11.12 8.12 | 15.06 9 | 10
1Y SIP Return % 12.45 9.39 0.48 | 16.16 10 | 31
3Y SIP Return % 11.57 15.73 11.57 | 23.76 22 | 22
5Y SIP Return % 11.01 15.03 11.01 | 24.53 17 | 17
7Y SIP Return % 9.52 13.19 9.52 | 20.28 12 | 12
10Y SIP Return % 9.10 12.31 9.10 | 17.92 10 | 10
Standard Deviation 6.13 7.66 5.08 | 11.99 4 | 22
Semi Deviation 4.16 5.28 3.57 | 7.78 4 | 22
Max Drawdown % -7.40 -6.17 -10.00 | -2.81 16 | 22
VaR 1 Y % -7.59 -7.94 -13.51 | -3.49 10 | 22
Average Drawdown % -2.99 -2.83 -4.74 | -1.28 15 | 22
Sharpe Ratio 0.03 0.60 0.03 | 1.57 22 | 22
Sterling Ratio 0.40 0.74 0.40 | 1.62 22 | 22
Sortino Ratio 0.03 0.32 0.03 | 0.96 22 | 22
Return data last Updated On : Dec. 27, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Nov. 29, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D 0.10 ₹ 10,010.00 0.10 ₹ 10,010.00
1W 0.08 ₹ 10,008.00 0.09 ₹ 10,009.00
1M 0.09 ₹ 10,009.00 0.14 ₹ 10,014.00
3M -1.39 ₹ 9,861.00 -1.22 ₹ 9,878.00
6M 4.92 ₹ 10,492.00 5.28 ₹ 10,528.00
1Y 11.77 ₹ 11,177.00 12.57 ₹ 11,257.00
3Y 7.18 ₹ 12,311.00 7.97 ₹ 12,586.00
5Y 9.71 ₹ 15,894.00 10.52 ₹ 16,491.00
7Y 7.31 ₹ 16,387.00 8.05 ₹ 17,198.00
10Y 8.12 ₹ 21,839.00 8.84 ₹ 23,322.00
15Y 5.40 ₹ 22,005.00 ₹

Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.

Investment Period Invested Amount Regular Direct
XIRR % Current Value of Invested Amount XIRR % Current Value of Invested Amount
1Y ₹ 12000 11.67 ₹ 12,745.03 12.45 ₹ 12,794.33
3Y ₹ 36000 10.78 ₹ 42,328.12 11.57 ₹ 42,815.99
5Y ₹ 60000 10.20 ₹ 77,576.70 11.01 ₹ 79,147.92
7Y ₹ 84000 8.75 ₹ 114,719.98 9.52 ₹ 117,927.26
10Y ₹ 120000 8.36 ₹ 184,778.52 9.10 ₹ 192,152.40
15Y ₹ 180000 7.42 ₹ 324,010.44 ₹


Date Uti Unit Linked Insurance Plan NAV Regular Growth Uti Unit Linked Insurance Plan NAV Direct Growth
27-12-2024 40.3427 43.48
26-12-2024 40.3024 43.4358
24-12-2024 40.3014 43.4331
23-12-2024 40.3279 43.4609
20-12-2024 40.3111 43.4404
19-12-2024 40.6045 43.7558
18-12-2024 40.8116 43.9781
17-12-2024 40.9002 44.0727
16-12-2024 41.0463 44.2294
13-12-2024 41.0004 44.1776
12-12-2024 40.9035 44.0723
11-12-2024 40.9532 44.125
10-12-2024 40.9131 44.0811
09-12-2024 40.8061 43.9649
06-12-2024 40.7526 43.9048
05-12-2024 40.8133 43.9695
04-12-2024 40.671 43.8153
03-12-2024 40.586 43.723
02-12-2024 40.5228 43.654
29-11-2024 40.3345 43.4488
28-11-2024 40.1786 43.28
27-11-2024 40.3077 43.4183

Fund Launch Date: 01/Oct/1971
Fund Category: Dynamic Asset Allocation or Balanced Advantage
Investment Objective: Investment objective of the scheme is primarily to provide return through growth in the NAV or through dividend distribution (IDCW) and reinvestment thereof. Amounts collected under the scheme shall generally be invested as follows: (a) Not less than 60% of the funds in debt instruments with low to medium risk profile. (b) Not more than 40% of the funds in equities and equity related instruments.
Fund Description: An open ended tax saving cum insurance scheme.
Fund Benchmark: NIFTY 50 Hybrid Composite Debt 50:50 Index
Source: Fund FactSheet

Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.