Should I invest in UTI - Unit Linked Insurance Plan?

We don't give personal investment advice. UTI - Unit Linked Insurance Plan is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 10.1%. 5-year CAGR: 6.76%.

UTI

UTI - Unit Linked Insurance Plan

Latest NAV

₹42.6397

As of

17 Jul 2026

4,989 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	-0.06%	+0.21%	-0.27	7 / 7	Q4
1W	+0.13%	+0.04%	+0.09	2 / 7	Q2
2W	+0.62%	+0.33%	+0.29	2 / 7	Q2
1M	+2.08%	+1.15%	+0.93	1 / 7	Q1
3M	+3.82%	+1.39%	+2.43	1 / 7	Q1
6M	+1.75%	-0.39%	+2.14	2 / 7	Q2
YTD	+1.02%	-1.70%	+2.71	1 / 7	Q1
1Y	+1.05%	-1.37%	+2.42	3 / 7	Q2
2Y	+4.75%	+1.51%	+3.25	2 / 7	Q2
3Y	+7.45%	+6.47%	+0.99	3 / 7	Q2
4Y	+7.91%	+7.14%	+0.76	2 / 7	Q2
5Y	+6.76%	+6.66%	+0.10	2 / 5	Q2
7Y	+8.48%	+8.30%	+0.18	2 / 5	Q2
10Y	+7.35%	+7.12%	+0.23	2 / 4	Q2
Inception	+5.19%	+5.53%	-0.34	4 / 7	Q3

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+1.02%	-1.89%	+2.90	1 / 6
2025	+4.27%	+2.62%	+1.65	3 / 6
2024	+11.57%	+9.53%	+2.04	2 / 6
2023	+11.82%	+13.30%	-1.48	4 / 6
2022	-2.37%	+0.09%	-2.46	6 / 6
2021	+14.31%	+12.56%	+1.75	2 / 5
2020	+13.88%	+13.94%	-0.06	3 / 5
2019	+0.23%	+5.20%	-4.98	5 / 5
2018	+2.83%	-2.04%	+4.86	1 / 5
2017	+16.50%	+15.85%	+0.65	2 / 5
2016	+6.82%	-0.05%	+6.87	1 / 5

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+5.98%

236 windows

min -25.5% · max 37.3%

77% positive

3-Year rolling

+5.75%

211 windows

min -5.4% · max 13.4%

91% positive

5-Year rolling

+5.51%

187 windows

min -0.6% · max 13.0%

98% positive

7-Year rolling

+5.45%

163 windows

min 0.5% · max 9.5%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

6.16%

3-year · annualised

Sharpe ratio

0.15

vs risk-free 6.5%

Sortino ratio

0.28

Downside-only deviation

Max drawdown

-8.44%

Oct 2025 → Mar 2026

% positive months

55.6%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Balanced Advantage Fund

Scheme	Fund house	NAV	As of
ICICI Prudential Balanced Advantage Fund - Monthly IDCW	ICICI Prudential	₹22.6000	17 Jul 2026
Franklin India Balanced Advantage Fund- IDCW	Franklin India	₹13.4756	17 Jul 2026
Edelweiss Absolute Return Equity Fund - Dividend	Edelweiss	₹21.1200	17 Jul 2026
Sundaram Balanced Advantage Fund (Formerly Known as Principal Balanced Advantage Fund) - Monthly Income Distribution CUM Capital Withdrawal Option	Sundaram	₹14.3389	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹42.6397
16 Jul 2026	₹42.6670
15 Jul 2026	₹42.5560
14 Jul 2026	₹42.4160
13 Jul 2026	₹42.5942
10 Jul 2026	₹42.5845
9 Jul 2026	₹42.4056
8 Jul 2026	₹42.2686
7 Jul 2026	₹42.6397
6 Jul 2026	₹42.5439

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of UTI - Unit Linked Insurance Plan is ₹42.6397. It's a Balanced Advantage Fund from UTI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI - Unit Linked Insurance Plan has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

UTI - Unit Linked Insurance Plan is managed by UTI. It's classified by AMFI under the 'Balanced Advantage Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - Unit Linked Insurance Plan has delivered a absolute return of 1.05% — +2.42 pp ahead of the Balanced Advantage Fund category average of -1.37%. The fund ranks #3 of 7 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI - Unit Linked Insurance Plan has delivered a CAGR of 7.45% — +0.99 pp ahead of the Balanced Advantage Fund category average of 6.47%. The fund ranks #3 of 7 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI - Unit Linked Insurance Plan has delivered a CAGR of 6.76% — +0.1 pp ahead of the Balanced Advantage Fund category average of 6.66%. The fund ranks #2 of 5 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI - Unit Linked Insurance Plan exactly 10 years ago would be worth approximately ₹203,196 today — a multiplier of 2.03×, based on the 10-year CAGR of 7.35%. The category average over the same window would have grown ₹1 lakh to ₹198,953.

A ₹10,000 monthly SIP in UTI - Unit Linked Insurance Plan over the last 5 years — total invested ₹600,000 — would be worth ₹709,063 today. That's an XIRR (money-weighted annualised return) of 6.61%.

A ₹10,000 monthly SIP for 10 years in UTI - Unit Linked Insurance Plan = ₹1,200,000 invested. It would currently be worth ₹1,751,166 (multiplier 1.46×). XIRR: 7.34%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - Unit Linked Insurance Plan ranks #2 out of 5 funds in the Balanced Advantage Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 6.66%; this fund delivered 6.76%.

The worst peak-to-trough decline UTI - Unit Linked Insurance Plan has experienced over the last 5-year window is 10.12% — its NAV fell from a high on 16 Nov 2021 to a low on 17 Jun 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, UTI - Unit Linked Insurance Plan averaged 5.51% (best 12.97%, worst -0.61%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is 0.04 — weak risk-adjusted performance.

In calendar year 2025, UTI - Unit Linked Insurance Plan returned 4.27% — beating the Balanced Advantage Fund category average of 2.62% by 1.65 pp. It ranked #3 of 6 in its category that year.

UTI - Unit Linked Insurance Plan is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. UTI - Unit Linked Insurance Plan is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 10.1%. 5-year CAGR: 6.76%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.