September 1, 2023
mayank
UTI Unit Linked Insurance Plan details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by Chanakyamfguidance.com
NAV IDCW: Rs 36.9007
Suitable For Which Investors?
When you invest for five years or more, you can expect gains that beat the inflation rate as well as returns from fixed income options. But be prepared for ups and downs in your investment value along the way.
Dynamic Asset Allocation or Balanced Advantage funds invest your money in equity shares and bonds though their proportions are not fixed. The fund management team may increase of decrease the allocation to equity shares depending upon their market outlook.
These funds tend to fall less than pure equity funds when the stock markets decline because of their debt allocation. This makes them suitable for conservative equity investors.
Like for all equity-linked investments, you must invest only through the SIP route.
Fund’s Investment Strategy:
An open-ended balance fund with an objective of investing not more than 40% of the funds in equity and equity related instrument and balance in debt and money market instruments with low to medium risk profile. Investment by and individual in the scheme is eligible for deduction from the income under section 80C of the IT Act 1661. In addition the scheme also offers Life Insurance and Accident Insurance cover.
Fund Manager:
1) Sunil Patil
Education: Mr. Sunil Patil is an M.Com, MFM and CA LLB-I.
Experience: He joined UTI AMC in October 1989. He has overall 31 years of experience in Primary Market Investment / Dealing and Fund Management.
2) Ajay Tyagi
Education: Mr Tyagi has done CFA Charterholder from The CFA Institute, USA and Masters in Finance from Delhi University.
Experience: He has been working in equity research in UTI since 2000. He has also worked as Assistant Fund Manager in the Offshore Funds division.
Investment Details
| Min. Investment (Rs) | 15,000 |
| Min. Addl Investment (Rs) | 1,000 |
| Min. SIP Investment (Rs) | 500 |
| Min. Withdrawal (Rs) | — |
| Min. No of Cheques | 6 |
| Min. Balance (Rs) | — |
| Lock-in Period | NA |
| Exit Load | 0 |
Basic Details of UTI Unit Linked Insurance Plan
| Fund House | UTI Mutual Fund |
| Launch Date | 01-Jan-13 |
| Return Since Launch | 8.95% |
| Benchmark | NIFTY 50 Hybrid Composite debt 50:50 Index |
| Riskometer | High |
| Type | Open-ended |
| Assets | Rs 5,307 Cr |
| (As on 31-Jul-2023) | |
| Expense | 0.95% |
| (As on 31-Jul-2023) | |
| Risk Grade | Average |
| Return Grade | Below Average |
| Turnover | 4.00% |
UTI Unit Linked Insurance Plan Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| UTI Unit Linked Insurance Dir | 7.33 | 0.00 | 0.63 | 2.94 | 8.44 | 5.99 | 11.59 | 6.36 | 7.65 | 10.11 |
| VR Balanced TRI | 6.99 | -0.42 | -1.98 | 3.96 | 11.11 | 9.20 | 18.13 | 11.05 | 12.10 | 13.46 |
| Hybrid: Dynamic Asset Allocation | 9.84 | -0.07 | 0.20 | 5.85 | 11.53 | 11.36 | 14.56 | 10.18 | 9.92 | 12.83 |
| Rank within category | 26 | 8 | 9 | 32 | 29 | 28 | 21 | 18 | 11 | 6 |
| Number of funds in category | 30 | 33 | 32 | 32 | 31 | 29 | 23 | 18 | 12 | 6 |
UTI Unit Linked Insurance Plan Peer Comparison
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turnover (%) | |
| UTI Unit Linked Insurance Dir | 2 star | 5.99 | 11.59 | 6.36 | 0.95 | 5,307 | 8.95 | — | 10Y 8M | 4.00 |
| HDFC Balanced Advtg Dir | 4 star | 20.29 | 26.99 | 14.50 | 0.84 | 60,641 | 15.01 | 1.00 (365) | 10Y 8M | 14.89 |
| ICICI Pru Balanced Advtg Dir | 5 star | 10.73 | 15.10 | 11.33 | 0.91 | 48,721 | 12.78 | 1.00 (365) | 10Y 8M | 22.00 |
| Kotak Balanced Advtg Dir | 4 star | 10.79 | 13.28 | 11.31 | 0.50 | 15,046 | 11.32 | 1.00 (365) | 5Y | 295.60 |
| Edelweiss Balanced Advtg Dir | 4 star | 10.98 | 16.26 | 12.00 | 0.49 | 9,458 | 12.47 | 1.00 (90) | 10Y 8M | 75.00 |
Portfolio Analysis of UTI Unit Linked Insurance Plan
| No. of Stocks | 72 |
| Top 10 Holdings | 36.50% |
| Top 5 Stocks | 24.82% |
| Top 3 Sectors | 20.85% |
| Portfolio P/B Ratio | 6.52 |
| Portfolio P/E Ratio | 38.83 |
| Avg Credit Rating | AAA |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 1,16,417 | 2,03,005 |
| Giant (%) | 48.16 | 59.62 |
| Large (%) | 22.21 | 19.43 |
| Mid (%) | 28.45 | 16.50 |
| Small (%) | 1.18 | 5.27 |
| Tiny (%) | 0.00 | 0.03 |
| Fund | Category | |
| Number of Securities | 124 | 110 |
| Macaulay Duration (yrs) | 5.51 | 2.31 |
| Average Maturity (yrs) | 9.73 | 3.32 |
| Yield to Maturity (%) | 7.44 | 7.23 |
| Avg Credit Rating | AAA | — |
Chanakya’s Mutual Fund Guidance For UTI Unit Linked Insurance Plan
Do not invest in this, or any other balanced hybrid fund, if you need to redeem your investment in less than five years.
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