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: 6.21%.

UTI

UTI - Unit Linked Insurance Plan

Latest NAV

₹40.7268

As of

3 Jun 2026

4,958 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	+0.23%	+0.17%	+0.06	3 / 7	Q2
1W	-0.41%	-0.77%	+0.36	2 / 7	Q2
2W	+0.17%	+0.14%	+0.03	3 / 7	Q2
1M	+0.22%	-0.69%	+0.90	2 / 7	Q2
3M	-0.41%	-1.21%	+0.79	2 / 7	Q2
6M	-3.99%	-4.01%	+0.02	3 / 7	Q2
YTD	-3.26%	-4.21%	+0.95	3 / 7	Q2
1Y	-2.31%	-3.12%	+0.81	3 / 7	Q2
2Y	+4.74%	+1.69%	+3.06	2 / 7	Q2
3Y	+6.60%	+6.50%	+0.10	5 / 7	Q3
4Y	+6.94%	+6.38%	+0.57	3 / 6	Q2
5Y	+6.21%	+6.36%	-0.15	2 / 5	Q2
7Y	+7.09%	+7.44%	-0.35	2 / 5	Q2
10Y	+7.15%	+6.98%	+0.17	2 / 4	Q2
Inception	+5.00%	+5.26%	-0.26	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	-3.26%	-4.82%	+1.56	2 / 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

+5.86%

234 windows

min -25.3% · max 38.7%

75% positive

3-Year rolling

+5.63%

210 windows

min -5.4% · max 13.4%

90% positive

5-Year rolling

+5.48%

185 windows

min -0.4% · max 12.4%

97% positive

7-Year rolling

+5.39%

161 windows

min 0.3% · max 9.3%

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

6.07%

3-year · annualised

Sharpe ratio

0.02

vs risk-free 6.5%

Sortino ratio

0.03

Downside-only deviation

Max drawdown

-8.44%

Oct 2025 → Mar 2026

% positive months

66.7%

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	₹21.8700	3 Jun 2026
Franklin India Balanced Advantage Fund- IDCW	Franklin India	₹13.0053	3 Jun 2026
Edelweiss Absolute Return Equity Fund - Dividend	Edelweiss	₹20.5400	3 Jun 2026
Sundaram Balanced Advantage Fund (Formerly Known as Principal Balanced Advantage Fund) - Monthly Income Distribution CUM Capital Withdrawal Option	Sundaram	₹13.9704	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹40.7268
2 Jun 2026	₹40.8355
1 Jun 2026	₹40.7402
29 May 2026	₹40.8553
27 May 2026	₹41.0366
26 May 2026	₹41.0056
25 May 2026	₹41.0189
22 May 2026	₹40.7758
21 May 2026	₹40.6564
20 May 2026	₹40.7171

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 03 Jun 2026, the NAV of UTI - Unit Linked Insurance Plan is ₹40.7268. 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 2 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 -2.31% — +0.81 pp ahead of the Balanced Advantage Fund category average of -3.12%. 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 6.60% — +0.1 pp ahead of the Balanced Advantage Fund category average of 6.50%. The fund ranks #5 of 7 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI - Unit Linked Insurance Plan has delivered a CAGR of 6.21% — -0.15 pp behind the Balanced Advantage Fund category average of 6.36%. 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 ₹199,524 today — a multiplier of 2.00×, based on the 10-year CAGR of 7.15%. The category average over the same window would have grown ₹1 lakh to ₹196,429.

A ₹10,000 monthly SIP in UTI - Unit Linked Insurance Plan over the last 5 years — total invested ₹600,000 — would be worth ₹684,663 today. That's an XIRR (money-weighted annualised return) of 5.22%.

A ₹10,000 monthly SIP for 10 years in UTI - Unit Linked Insurance Plan = ₹1,200,000 invested. It would currently be worth ₹1,690,565 (multiplier 1.41×). XIRR: 6.66%. 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 6.36%; this fund delivered 6.21%.

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 5.48% (best 12.36%, worst -0.37%). 97% of rolling windows ended positive. The 5-year Sharpe ratio is -0.03 — negative 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: 6.21%.

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