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InvestVerdict

UTI - Unit Linked Insurance Plan

Regular Plan · Growth · Balanced Advantage · Scheme code 100646

NAV₹42.1243as on 30 Oct 2026
Fund houseUTI Mutual Fund
CategoryBalanced Advantage
Plan & optionRegular · Growth
History20.4 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme 1.006.545.58 4.108.136.50 8.997.315.27
Nifty 100
benchmark		 0.253.49-1.52 1.8410.529.38 ——12.79
Balanced Advantage
category median		 ——— -3.707.517.01 —9.06—

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 6.8% 0.24 0.34 0.43 -0.28% -29.8% 84.18
Nifty 100
benchmark		 14.4%0.28 0.40—— -37.0%—

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the 36 months this scheme and its benchmark share.

Growth of ₹100 since launch

691462243012008201020122014201620182020202220242026InvestVerdict

Drawdown from peak (%)

0%-11%-21%-32%2008201020122014201620182020202220242026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
4,773 -25.5% 6.3% 41.4% 25%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

How it behaves against its benchmark

Up captureDown captureCorrelation Tracking errorInformation ratioTreynor
53% 37% 0.92 8.6% -0.30 3.45

Up capture is how much of the benchmark's gain this scheme kept in the months the benchmark rose; down capture, how much of its fall it took. Below 100 on the down side and above it on the up side is the combination every fund is trying for and few reach. Measured over the 36 months this scheme and Nifty 100 share.

InvestVerdict

UTI - Unit Linked Insurance Plan

Regular Plan · Growth

Allocation

By asset

Debt52.27%
Equity37.99%
Cash & Equivalents8.41%
REITs / InvITs1.01%
ETF Units0.32%

By market cap

Large Cap23.77%
Mid Cap10.67%
Small Cap3.55%
Unclassified53.60%

Concentration

Number of stocks119
Top 5 stocks20.23%
Top 10 stocks31.12%
Top 20 stocks46.35%
Lines in the filing121
Largest holding8.09%
Largest sectorNot Applicable —
Effective stocks54.6
Sectors held33
Cash8.41%

Effective stocks is what the concentration works out to: a fund holding 119 names but most of its money in a few behaves like a fund of 55. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

SOV — 24.5%CRISIL-AAA — 15.8%Cash & Equivalents — 8.4%Retailing — 6.7%Banks — 6.5%Consumer Durables — 4.3%CRISIL-A1+ — 4.1%IT - Software — 4.0%CARE-A1+ — 3.9%Other — 21.8%SOV24.5%CRISIL-AAA15.8%Cash & Equivalents8.4%Retailing6.7%Banks6.5%Consumer Durables4.3%CRISIL-A1+4.1%IT - Software4.0%CARE-A1+3.9%Other21.8%
SOV24.51%
CRISIL-AAA15.84%
Cash & Equivalents8.41%
Retailing6.72%
Banks6.50%
Consumer Durables4.27%
CRISIL-A1+4.08%
IT - Software4.02%
CARE-A1+3.90%
Pharmaceuticals & Biotechnology3.36%
Automobiles2.84%
Finance2.62%
Industrial Products1.92%
ICRA-AAA1.51%
Telecom - Services1.46%
Healthcare Services0.98%
ICRA-AA+0.94%
IND-AAA(SO)0.84%
Chemicals & Petrochemicals0.71%
CRISIL-AA+0.51%
InvestVerdict

UTI - Unit Linked Insurance Plan

Regular Plan · Growth · holdings

Top 30 holdings

#CompanySectorShares held Value
₹ cr		% of fund
1 NET CURRENT ASSETS Unclassified — — 8.40%
2 07.18% GSEC MAT -24/07/2037 SOV 4,000,000,000 — 8.09%
3 07.32% GSEC MAT -13/11/2030 SOV 2,000,000,000 — 4.12%
4 EQ - ETERNAL LIMITED Retailing 4,450,000 — 2.89%
5 7.24% GSEC MAT- 18/08/2055 SOV 1,350,000,000 — 2.60%
6 NCD MAHINDRA AND MAHINDRA FINANCIAL SERVICES LTD CRISIL-AAA 12,500 — 2.53%
7 EQ - ICICI BANK LTD Banks 945,000 — 2.53%
8 EQ - BAJAJ FINANCE LTD. Finance 1,205,000 — 2.34%
9 EQ - HDFC BANK LIMITED Banks 1,410,000 — 2.03%
10 NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED CRISIL-AAA 10,000 — 2.01%
11 CP BAJAJ FINANCIAL SECURITIES LTD CRISIL-A1+ 1,000,000,000 — 1.98%
12 EQ - TITAN COMPANY LTD. Consumer Durables 185,000 — 1.72%
13 EQ - COFORGE LTD IT - Software 456,000 — 1.62%
14 EQ - INFO-EDGE (INDIA) LTD. Retailing 625,000 — 1.55%
15 EQ - KOTAK MAHINDRA BANK LTD. Banks 1,780,000 — 1.51%
16 NCD POWER FINANCE CORPORATION LTD. CRISIL-AAA 7,500 — 1.50%
17 EQ - DIXON TECHNOLOGIES (INDIA) LTD Consumer Durables 56,000 — 1.49%
18 CP CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED CARE-A1+ 750,000,000 — 1.47%
19 EQ - BHARTI AIRTEL LTD. Telecom - Services 410,000 — 1.46%
20 6.91% MH SDL MAT - 15/09/2033 SOV 750,000,000 — 1.46%
21 EQ - PERSISTENT SYSTEMS LTD. IT - Software 135,000 — 1.45%
22 EQ - AVENUE SUPERMARTS LTD. Retailing 154,000 — 1.19%
23 07.32% RAJASTHAN SGS Mat - 24/09/2035 SOV 579,110,000 — 1.13%
24 EQ - MAHINDRA & MAHINDRA LTD. Automobiles 173,500 — 1.04%
25 NCD REC LTD CRISIL-AAA 5,000 — 1.01%
26 07.65% TAMIL NADU SDL - 25/01/2033 SOV 500,000,000 — 1.01%
27 NCD MINDSPACE BUSINESS PARKS REIT ICRA-AAA 5,000 — 1.01%
28 NCD TATA CAPITAL LTD. CRISIL-AAA 5,000 — 1.01%
29 CP EXPORT IMPORT BANK OF INDIA CRISIL-A1+ 500,000,000 — 1.00%
30 06.94% GSEC Mat- 11/05/2036 SOV 500,000,000 — 1.00%
InvestVerdict

UTI - Unit Linked Insurance Plan

Regular Plan · Growth · where the money sits

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹720,196 ₹120,196 7.24%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 31 Oct 2026.