Uti Unit Linked Insurance Plan Overview
Category Dynamic Asset Allocation or Balanced Advantage
BMSMONEY Rank 21
BMSMONEY Rating
Gro. Opt. As On: 19-11-2024
NAV ₹39.76(R) +0.24% ₹42.82(D) +0.24%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 13.51% 5.91% 9.71% 7.28% 8.08%
LumpSum (D) 14.32% 6.7% 10.52% 8.03% 8.79%
SIP (R) -4.65% 8.45% 9.47% 8.7% 8.11%
SIP (D) -3.95% 9.24% 10.29% 9.49% 8.86%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
-0.08 -0.02 0.36 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
6.2% -7.59% -7.67% - 4.16%
Top Dynamic Asset Allocation or Balanced Advantage
Fund Name Rank Rating
Hdfc Balanced Advantage Fund 1
SBI Balanced Advantage Fund 2
Axis Balanced Advantage Fund 3
Icici Prudential Balanced Advantage Fund 4
Invesco India Balanced Advantage Fund 5

NAV Date: 19-11-2024

Scheme Name NAV Rupee Change Percent Change
UTI - Unit Linked Insurance Plan 39.76
0.1000
0.2400%
UTI - Unit Linked Insurance Plan- Direct 42.82
0.1000
0.2400%

Review Date: 19-11-2024

uti unit linked insurance plan has shown poor performance in the Dynamic Asset Allocation or Balanced Advantage Fund category. The fund has rank of 21 out of 21 funds in the category. The fund has delivered return of 13.51% in 1 year, 5.91% in 3 years, 9.71% in 5 years and 8.08% in 10 years. The category average for the same periods is 18.45%, 10.56%, 12.33% and 9.85% respectively, which shows poor return performance of fund in the category. The fund has exhibited standard deviation of 6.2, VaR of -7.59, Average Drawdown of -3.06, Semi Deviation of 4.16 and Max Drawdown of -7.67. The category average for the same parameters is 7.84, -8.21, -2.86, 5.41 and -6.58 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 ₹11432.0 in 1 year, ₹12147.0 in 3 years and ₹16489.0 in 5 years as of today (19-11-2024).
  2. An SIP of ₹1,000 per month in uti unit linked insurance plan direct growth option would have grown to ₹11741.0 in 1 year, ₹41383.0 in 3 years and ₹77755.0 in 5 years as of today (19-11-2024).
  3. standard deviation of 6.2 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 -0.08 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 % -0.91
-2.52
-5.71 | -0.47 2 | 34 Very Good
3M Return % 0.98
-1.70
-8.33 | 0.98 1 | 34 Very Good
6M Return % 7.45
4.44
-3.86 | 8.16 3 | 34 Very Good
1Y Return % 13.51
18.45
11.88 | 31.82 28 | 30 Poor
3Y Return % 5.91
10.56
5.91 | 20.54 22 | 22 Poor
5Y Return % 9.71
12.33
9.71 | 19.74 17 | 17 Poor
7Y Return % 7.28
9.92
7.13 | 14.94 11 | 12 Poor
10Y Return % 8.08
9.85
7.41 | 14.06 9 | 10 Average
15Y Return % 5.42
10.85
5.42 | 13.86 6 | 6 Average
1Y SIP Return % -4.65
-6.07
-16.14 | -0.41 11 | 30 Good
3Y SIP Return % 8.45
12.49
8.45 | 21.87 22 | 22 Poor
5Y SIP Return % 9.47
13.15
9.47 | 23.53 17 | 17 Poor
7Y SIP Return % 8.70
12.17
8.70 | 19.82 12 | 12 Poor
10Y SIP Return % 8.11
10.91
8.03 | 17.03 9 | 10 Average
15Y SIP Return % 7.24
11.60
7.24 | 15.30 6 | 6 Average
Standard Deviation 6.20
7.84
5.26 | 12.00 3 | 21 Very Good
Semi Deviation 4.16
5.41
3.75 | 7.82 3 | 21 Very Good
Max Drawdown % -7.67
-6.58
-10.90 | -2.66 15 | 21 Average
VaR 1 Y % -7.59
-8.21
-13.51 | -4.14 8 | 21 Good
Average Drawdown % -3.06
-2.86
-4.69 | -1.31 14 | 21 Average
Sharpe Ratio -0.08
0.51
-0.08 | 1.36 21 | 21 Poor
Sterling Ratio 0.36
0.69
0.36 | 1.50 21 | 21 Poor
Sortino Ratio -0.02
0.27
-0.02 | 0.76 21 | 21 Poor
Return data last Updated On : Nov. 19, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % -0.86 -2.41 -5.57 | -0.44 2 | 34
3M Return % 1.16 -1.37 -7.99 | 1.16 1 | 34
6M Return % 7.82 5.12 -2.97 | 8.80 4 | 34
1Y Return % 14.32 19.99 13.29 | 33.82 29 | 30
3Y Return % 6.70 11.96 6.70 | 21.32 22 | 22
5Y Return % 10.52 13.68 10.52 | 20.49 17 | 17
7Y Return % 8.03 11.13 7.93 | 15.72 11 | 12
10Y Return % 8.79 10.97 8.13 | 14.81 9 | 10
1Y SIP Return % -3.95 -4.79 -14.48 | 0.85 13 | 30
3Y SIP Return % 9.24 13.92 9.24 | 22.66 22 | 22
5Y SIP Return % 10.29 14.51 10.29 | 24.32 17 | 17
7Y SIP Return % 9.49 13.39 9.49 | 20.57 12 | 12
10Y SIP Return % 8.86 12.05 8.82 | 17.77 9 | 10
Standard Deviation 6.20 7.84 5.26 | 12.00 3 | 21
Semi Deviation 4.16 5.41 3.75 | 7.82 3 | 21
Max Drawdown % -7.67 -6.58 -10.90 | -2.66 15 | 21
VaR 1 Y % -7.59 -8.21 -13.51 | -4.14 8 | 21
Average Drawdown % -3.06 -2.86 -4.69 | -1.31 14 | 21
Sharpe Ratio -0.08 0.51 -0.08 | 1.36 21 | 21
Sterling Ratio 0.36 0.69 0.36 | 1.50 21 | 21
Sortino Ratio -0.02 0.27 -0.02 | 0.76 21 | 21
Return data last Updated On : Nov. 19, 2024.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D 0.24 ₹ 10,024.00 0.24 ₹ 10,024.00
1W -0.35 ₹ 9,965.00 -0.34 ₹ 9,966.00
1M -0.91 ₹ 9,909.00 -0.86 ₹ 9,914.00
3M 0.98 ₹ 10,098.00 1.16 ₹ 10,116.00
6M 7.45 ₹ 10,745.00 7.82 ₹ 10,782.00
1Y 13.51 ₹ 11,351.00 14.32 ₹ 11,432.00
3Y 5.91 ₹ 11,881.00 6.70 ₹ 12,147.00
5Y 9.71 ₹ 15,893.00 10.52 ₹ 16,489.00
7Y 7.28 ₹ 16,359.00 8.03 ₹ 17,167.00
10Y 8.08 ₹ 21,749.00 8.79 ₹ 23,222.00
15Y 5.42 ₹ 22,063.00 ₹

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 -4.65 ₹ 11,694.32 -3.95 ₹ 11,740.63
3Y ₹ 36000 8.45 ₹ 40,902.23 9.24 ₹ 41,383.30
5Y ₹ 60000 9.47 ₹ 76,188.12 10.29 ₹ 77,754.96
7Y ₹ 84000 8.70 ₹ 114,539.29 9.49 ₹ 117,782.45
10Y ₹ 120000 8.11 ₹ 182,441.64 8.86 ₹ 189,730.68
15Y ₹ 180000 7.24 ₹ 319,155.66 ₹


Date Uti Unit Linked Insurance Plan NAV Regular Growth Uti Unit Linked Insurance Plan NAV Direct Growth
19-11-2024 39.7582 42.82
18-11-2024 39.6623 42.716
14-11-2024 39.7255 42.7809
13-11-2024 39.6837 42.735
12-11-2024 39.8997 42.9668
11-11-2024 40.0295 43.1057
08-11-2024 40.0084 43.0806
07-11-2024 40.0897 43.1674
06-11-2024 40.2298 43.3175
05-11-2024 39.9715 43.0385
04-11-2024 39.9126 42.9742
31-10-2024 39.927 42.9866
30-10-2024 40.0279 43.0944
29-10-2024 40.0535 43.1211
28-10-2024 39.9885 43.0503
25-10-2024 39.9963 43.0562
24-10-2024 40.0276 43.0891
23-10-2024 40.096 43.162
22-10-2024 39.919 42.9706
21-10-2024 40.123 43.1894

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.