Should I invest in UTI - Unit Linked Insurance Plan- Direct?

We don't give personal investment advice. UTI - Unit Linked Insurance Plan- Direct 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: 9.7%. 5-year CAGR: 6.96%.

UTI

UTI - Unit Linked Insurance Plan- Direct

Latest NAV

₹44.2917

As of

3 Jun 2026

3,295 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	+0.24%	+0.10%	+0.14	15 / 40	Q2
1W	-0.40%	-1.06%	+0.65	5 / 40	Q1
2W	+0.19%	-0.14%	+0.34	10 / 40	Q1
1M	+0.26%	-0.97%	+1.23	6 / 40	Q1
3M	-0.26%	-2.12%	+1.85	8 / 40	Q1
6M	-3.70%	-5.42%	+1.72	13 / 39	Q2
YTD	-3.02%	-5.40%	+2.38	11 / 39	Q2
1Y	-1.70%	-2.89%	+1.18	19 / 39	Q2
2Y	+5.42%	+0.02%	+5.40	4 / 38	Q1
3Y	+7.32%	+6.40%	+0.92	14 / 33	Q2
4Y	+7.68%	+6.36%	+1.32	11 / 29	Q2
5Y	+6.96%	+5.03%	+1.94	9 / 24	Q2
7Y	+7.85%	+6.18%	+1.67	7 / 22	Q2
10Y	+7.87%	+4.98%	+2.89	1 / 11	Q1
Inception	+7.01%	+5.66%	+1.35	15 / 40	Q2

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	-3.02%	-5.55%	+2.53	10 / 38
2025	+4.94%	+2.32%	+2.62	13 / 38
2024	+12.36%	+9.52%	+2.84	6 / 35
2023	+12.61%	+15.43%	-2.81	21 / 31
2022	-1.60%	+1.33%	-2.93	21 / 29
2021	+15.15%	+10.71%	+4.43	5 / 23
2020	+14.74%	+10.14%	+4.60	8 / 23
2019	+0.81%	+4.00%	-3.19	14 / 19
2018	+3.41%	-4.09%	+7.50	2 / 17
2017	+17.20%	+14.53%	+2.67	6 / 14
2016	+7.44%	+0.87%	+6.57	2 / 12

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

+8.46%

152 windows

min -14.4% · max 33.8%

87% positive

3-Year rolling

+8.35%

127 windows

min -0.2% · max 14.3%

99% positive

5-Year rolling

+8.30%

103 windows

min 3.0% · max 13.2%

100% positive

7-Year rolling

+7.97%

79 windows

min 3.9% · max 10.0%

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

0.13

vs risk-free 6.5%

Sortino ratio

0.21

Downside-only deviation

Max drawdown

-8.19%

Oct 2025 → Mar 2026

% positive months

69.4%

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
HDFC Balanced Advantage Fund - IDCW Plan - Direct Plan	HDFC	₹42.1540	3 Jun 2026
NIPPON INDIA BALANCED ADVANTAGE FUND - DIRECT Plan - IDCW Option	Nippon India	₹44.6090	3 Jun 2026
SBI Balanced Advantage Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹16.3197	3 Jun 2026
ICICI Prudential Balanced Advantage Fund - Direct Plan - IDCW	ICICI Prudential	₹28.5800	3 Jun 2026
Invesco India Balanced Advantage Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹21.5000	3 Jun 2026
BANDHAN Balanced Advantage Fund Direct Plan IDCW	Bandhan	₹15.7720	3 Jun 2026
quant Dynamic Asset Allocation Fund - IDCW Option - Direct Plan	Quant	₹17.2675	3 Jun 2026
Aditya Birla Sun Life Balanced Advantage Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹29.4500	3 Jun 2026
Motilal Oswal Balanced Advantage Fund Direct - Annual IDCW Payout/Reinvestment	Motilal Oswal	₹12.9530	3 Jun 2026
Franklin India Balanced Advantage Fund- IDCW- Direct	Franklin India	₹13.2612	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹44.2917
2 Jun 2026	₹44.4091
1 Jun 2026	₹44.3048
29 May 2026	₹44.4278
27 May 2026	₹44.6235
26 May 2026	₹44.5891
25 May 2026	₹44.6029
22 May 2026	₹44.3364
21 May 2026	₹44.2059
20 May 2026	₹44.2711

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- Direct is ₹44.2917. It's a Balanced Advantage Fund from UTI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI - Unit Linked Insurance Plan- Direct has NAV history starting from 09 Jan 2013, a track record of about 13 years 4 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

UTI - Unit Linked Insurance Plan- Direct 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- Direct has delivered a absolute return of -1.70% — +1.18 pp ahead of the Balanced Advantage Fund category average of -2.89%. The fund ranks #19 of 39 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI - Unit Linked Insurance Plan- Direct has delivered a CAGR of 7.32% — +0.92 pp ahead of the Balanced Advantage Fund category average of 6.40%. The fund ranks #14 of 33 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI - Unit Linked Insurance Plan- Direct has delivered a CAGR of 6.96% — +1.94 pp ahead of the Balanced Advantage Fund category average of 5.03%. The fund ranks #9 of 24 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI - Unit Linked Insurance Plan- Direct exactly 10 years ago would be worth approximately ₹213,272 today — a multiplier of 2.13×, based on the 10-year CAGR of 7.87%. The category average over the same window would have grown ₹1 lakh to ₹162,547.

A ₹10,000 monthly SIP in UTI - Unit Linked Insurance Plan- Direct over the last 5 years — total invested ₹600,000 — would be worth ₹697,267 today. That's an XIRR (money-weighted annualised return) of 5.94%.

A ₹10,000 monthly SIP for 10 years in UTI - Unit Linked Insurance Plan- Direct = ₹1,200,000 invested. It would currently be worth ₹1,757,557 (multiplier 1.46×). XIRR: 7.41%. 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- Direct ranks #9 out of 24 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 5.03%; this fund delivered 6.96%.

The worst peak-to-trough decline UTI - Unit Linked Insurance Plan- Direct has experienced over the last 5-year window is 9.69% — 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- Direct averaged 8.30% (best 13.19%, worst 3.01%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.08 — weak risk-adjusted performance.

In calendar year 2025, UTI - Unit Linked Insurance Plan- Direct returned 4.94% — beating the Balanced Advantage Fund category average of 2.32% by 2.62 pp. It ranked #13 of 38 in its category that year.

UTI - Unit Linked Insurance Plan- Direct 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- Direct 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: 9.7%. 5-year CAGR: 6.96%.

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