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UTI Mutual Fund · #100646

UTI - Unit Linked Insurance Plan - Regular Plan - Growth

Hybrid · Dynamic Asset Allocation or Balanced Advantage · Regular · Growth

Regular TER: 1.60% · as of

5-year NAV · change the window using the controls in the rolling-returns card below ↓

2021-10-25 → 2026-10-22

min ₹30.27 change +26.3% max ₹43.57

Latest NAV

₹41.7504

as of 2026-10-22 · -0.36% vs 2026-10-21

Earliest NAV in archive

2006-04-03

AMFI archive begins Apr 2006

Worst peak-to-trough drawdown

-29.81%

trough 2008-10-27 (since archive start)

Trailing CAGR vs assigned benchmark

Window	Scheme CAGR	Benchmark CAGR	Excess	Period
1y	-1.97%	-12.43%^*	+10.45%	2025-10-24 → today · 1.0y
3y	+6.75%	+5.74%^*	+1.02%	2023-10-25 → today · 3.0y
5y	+4.66%	—	—	2021-10-22 → today · 5.0y
10y	+6.73%	—	—	2016-10-24 → today · 10.0y

Benchmark assignment is mapped by category and sub-category from public sources.
* The total-return version of this benchmark is no longer published, so starred rows use its price index, which excludes dividends. That understates the benchmark by roughly its dividend yield (about 1.2% a year) and overstates Excess by the same.
"Since inception (in archive)" uses the earliest NAV in the AMFI archive (April 2006 onward).

Rolling 1-year returns distribution · 1222 daily entry points · last 5 years

Imagine buying this fund on any day in this period and holding for exactly one year. Each bar counts how often that ended with a given return: green bars made money, red bars lost money even after a full year. Taller bar = more common outcome.

Median 1y return

+7.2%

Mean 1y return

+7.2%

Best / worst 1y

+25.8% / -4.0%

Windows positive

83%

5th %ile -2.1%

25th %ile +2.1%

75th %ile +12.0%

95th %ile +16.3%

Longer rolling windows · annualised

Same idea over longer holding periods. Returns are CAGR (annualised) so they're directly comparable to the trailing-CAGR table above.

Period	Median	Mean	Worst	Best	% positive	Windows
3y rolling	+8.0%	+7.8%	-1.3%	+14.0%	100%	2456
5y rolling	+6.0%	+5.6%	-0.7%	+13.0%	98%	3680
10y rolling	+6.1%	+5.8%	+2.3%	+8.8%	100%	2594

Beat-benchmark consistency · vs assigned benchmark, across overlapping windows

Of all the rolling windows we observed, how often did this fund's return exceed the benchmark's over the same window. A higher fraction means more consistent outperformance, but says nothing about future windows.

Period	Windows beat	Total windows	% beat	Avg excess (annualised)
1y rolling	263	1153	23%	-5.6%
3y rolling	173	2387	7%	-5.7%
5y rolling	44	3612	1%	-6.6%

Windows ending up to 02 Jul 2026, the benchmark's last published value.

Monthly returns · since inception (Apr 2006)

How each calendar month went: green months gained, red months lost. Deeper colour = bigger move.

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec	Year
2026	-1.8	-0.4	-5.1	+3.9	+0.5	+2.8	+2.9	+0.4	-2.9	-1.0	·	·	-1.0
2025	-0.9	-2.5	+3.3	+2.6	+1.3	+1.2	-0.6	-0.8	+0.1	+1.6	+0.3	-1.0	+4.4
2024	-0.9	+0.7	+0.8	+0.6	+1.0	+3.8	+2.1	+1.9	+2.2	-2.2	+1.0	+0.1	+11.4
2023	-1.0	-0.2	+0.1	+2.1	+2.9	+1.6	+0.6	+0.6	+0.5	-1.4	+2.8	+2.9	+12.0
2022	-1.2	-1.5	+0.8	-1.2	-2.2	-2.3	+5.0	+2.0	-1.3	+0.5	+0.8	-1.4	-2.4
2021	-1.0	+1.0	+1.5	+0.2	+2.3	+1.4	+1.7	+3.6	+2.6	+0.2	-0.4	+0.8	+14.6
2020	+1.3	-0.4	-12.4	+3.9	+0.5	+3.7	+3.8	+1.0	+1.3	+2.5	+5.6	+3.7	+14.0
2019	-0.9	-0.5	+3.5	-1.1	+1.1	-5.7	-1.4	-0.5	+2.2	+2.0	+1.3	+0.5	+0.2
2018	+0.4	-1.4	+0.6	+2.8	-0.4	+0.1	+2.5	+1.8	-5.2	-1.4	+1.8	+1.1	+2.5
2017	+2.6	+1.5	+2.4	+0.7	+0.6	+1.2	+2.9	-0.2	+0.7	+1.2	+1.1	+1.3	+17.1
2016	-1.1	-3.3	+4.8	+1.5	+1.8	+1.4	+3.0	+1.4	-0.2	+0.5	-1.1	-1.7	+7.0
2015	+3.5	+0.4	+0.3	-1.8	+2.0	-0.6	+1.5	-0.6	+0.9	+0.7	-0.6	+0.5	+6.2
2014	-1.5	+1.5	+3.8	+0.3	+5.0	+3.3	+0.1	+1.4	-8.0	+1.9	+2.6	+0.2	+10.7
2013	+0.7	-1.9	+0.2	+1.9	-8.5	-1.0	-2.2	-3.0	+3.3	+3.7	-0.5	+1.9	-5.8
2012	+4.3	+2.6	+0.2	+0.2	-1.3	-6.6	-0.2	+0.8	+3.5	+1.8	+2.1	+1.0	+8.4
2011	-3.2	-1.4	+3.5	-8.6	-1.3	+1.0	+0.8	-2.4	+0.1	+1.9	-2.5	-1.3	-13.0
2010	-0.9	-8.8	+2.9	+2.4	-0.5	+2.4	+0.6	+0.7	+3.9	+0.2	-1.3	+1.3	+2.4
2009	-2.5	-1.1	+3.5	+6.6	+9.4	+1.6	+2.9	+0.4	+4.3	-0.5	+2.9	+1.5	+32.6
2008	-3.3	-0.9	-4.7	+2.8	-2.7	-7.6	+2.4	+1.7	-2.5	-14.6	-0.6	+6.8	-22.3
2007	+1.1	-3.0	+1.1	-7.7	+3.5	+1.5	+2.8	-0.5	+5.3	+6.3	+0.5	+3.8	+14.7
2006	·	·	·	·	-4.4	-3.0	+1.5	+3.5	+2.8	+1.2	+1.6	-0.3	+2.6
Avg	-0.3	-1.0	+0.6	+0.6	+0.5	+0.0	+1.6	+0.6	+0.7	+0.3	+0.9	+1.1	+6.0

All values in %. Each cell compares the last NAV of the month with the last NAV of the month before. The latest month is month-to-date; the Year column compounds the months shown on that row. The Avg row is the plain average of each column across the years shown (19 complete calendar years in the last column); the running month is left out of it.

Portfolio mix · asset class breakdown as of 2026-09-30

Equity 38.0%

ETF / FoF 0.3%

Other / unclassified 61.7%

Equity split: Large 23.8% Mid 10.7% Small 3.5%

Size axis (Style Box) · Large / Mid / Small split of latest disclosed holdings

Per AMFI's semi-annual Categorisation of Stocks (top 100 = Large, 101-250 = Mid, 251+ = Small).

Large Cap 23.8%
Mid Cap 10.7%
Small Cap 3.6%
Debt 52.3%
Cash & Equivalents 8.4%
ETF / FoF (incl. gold/silver) 0.3%
REITs & InvITs 1.0%

62% of the fund sits outside AMFI-classified equity: debt, cash, ETF/FoF units, REITs, foreign holdings, or unlisted/pre-IPO paper.

Index overlap

· vs · share of this fund's AUM that sits in stocks the index also includes

18.9%

13 of 108 holdings are index members

Mostly stocks outside the benchmark universe

As of 2026-09-30

How to read this: This number shows whether the fund invests in the same stocks as the index. It does not show whether the fund weights those stocks like the index. A low number (say below 60%) means the fund holds a meaningful share in stocks the index doesn't carry at all (typical of sectoral, small-cap-tilted or international funds vs a broad benchmark). A high number (80%+) is normal for any large-cap or flexi-cap fund, because Indian active funds mostly pick from the same large and mid-cap stocks as the Nifty 500. It does not on its own signal a closet index fund; to identify that you'd need per-stock weight comparison, which requires index constituent weights we don't currently ingest.

Top stocks held · 108 holdings as of 2026-09-30 See changes vs previous snapshot →

Stock	Sector	% of fund
07.18% GSEC MAT -24/07/2037	SOVEREIGN	8.09%
07.32% GSEC MAT -13/11/2030	SOVEREIGN	4.12%
EQ - ETERNAL LIMITED	Retailing	2.89%
7.24% GSEC MAT- 18/08/2055	SOVEREIGN	2.60%
NCD MAHINDRA AND MAHINDRA FINANCIAL SERVICES LTD	CRISIL AAA	2.53%
EQ - ICICI BANK LTD	Banks	2.53%
EQ - BAJAJ FINANCE LTD.	Finance	2.34%
EQ - HDFC BANK LIMITED	Banks	2.03%
NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED	CRISIL AAA	2.01%
CP BAJAJ FINANCIAL SECURITIES LTD	—	1.98%
EQ - TITAN COMPANY LTD.	Consumer Durables	1.72%
EQ - COFORGE LTD	IT - Software	1.62%
EQ - INFO-EDGE (INDIA) LTD.	Retailing	1.55%
EQ - KOTAK MAHINDRA BANK LTD.	Banks	1.51%
NCD POWER FINANCE CORPORATION LTD.	ICRA AAA	1.50%
EQ - DIXON TECHNOLOGIES (INDIA) LTD	Consumer Durables	1.49%
CP CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED	ICRA A1+	1.47%
EQ - BHARTI AIRTEL LTD.	Telecom - Services	1.46%
6.91% MH SDL MAT - 15/09/2033	Sovereign	1.46%
EQ - PERSISTENT SYSTEMS LTD.	IT - Software	1.45%
EQ - AVENUE SUPERMARTS LTD.	Retailing	1.19%
07.32% RAJASTHAN SGS Mat - 24/09/2035	SOVEREIGN	1.13%
EQ - MAHINDRA & MAHINDRA LTD.	Automobiles	1.04%
NCD TATA CAPITAL LTD.	CRISIL AAA	1.01%
NCD REC LTD	CRISIL AAA	1.01%
NCD MINDSPACE BUSINESS PARKS REIT	ICRA AAA	1.01%
07.65% TAMIL NADU SDL - 25/01/2033	SOVEREIGN	1.01%
NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	CRISIL AAA	1.00%
CP EXPORT IMPORT BANK OF INDIA	CRISIL A1+	1.00%
06.94% GSEC Mat- 11/05/2036	SOVEREIGN	1.00%
CD - SMALL INDST. DEV. BANK OF INDIA - 28/01/2027	CARE A1+	0.99%
EQ - DR LAL PATHLABS LTD.	Healthcare Services	0.98%
NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED	CRISIL AAA	0.98%
EQ - LTM Limited	IT - Software	0.95%
CD - SIDBI - 27/08/2027	CRISIL A1+	0.95%
6.82% ANDHRA SGS MAT -04/06/2036	SOV	0.94%
EQ - EICHER MOTORS LTD	Automobiles	0.93%
EQ - AJANTA PHARMA LTD.	Pharmaceuticals & Biotechnology	0.92%
EQ - TRENT LIMITED	Retailing	0.91%
EQ - MARUTI SUZUKI INDIA LTD.	Automobiles	0.87%
EQ - POLYCAB INDIA LTD	Industrial Products	0.77%
6.99% WB SDL MAT - 29/09/2036	SOV	0.76%
EQ - DIVIS LABORATORIES LTD.	Pharmaceuticals & Biotechnology	0.75%
08.20% PTC- INDIA UNIVERSAL TRUST AL1-SERIES A3	FITCH AAA(SO)	0.65%
EQ - ASTRAL LTD.	Industrial Products	0.64%
NCD NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT	CRISIL AAA	0.61%
EQ - TORRENT PHARMACEUTICALS LTD.	Pharmaceuticals & Biotechnology	0.60%
EQ - PIDILITE INDUSTRIES LTD.	Chemicals & Petrochemicals	0.59%
7.48% UTTAR PRADESH SDL 20/03/2036	Sovereign	0.59%
NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED	CRISIL AAA	0.51%
EQ - GRINDWELL NORTON LTD.	Industrial Products	0.51%
NCD MANKIND PHARMA LTD	CRISIL AA+	0.51%
NCD MUTHOOT FINANCE LTD	ICRA AA+	0.51%
NCD REC LTD	CRISIL AAA	0.51%
NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	CRISIL AAA	0.50%
7.65% MADHYAPRADESH SGS Mat - 11/03/2040	SOV	0.50%
NCD POONAWALLA FINCORP LTD.	CRISIL-AAA	0.50%
NCD INDIAN RAILWAY FINANCE CORPORATION LIMITED	CRISIL AAA	0.50%
CD - CANARA BANK - 28/01/2027	A1+	0.50%
NCD ADITYA BIRLA CAPITAL LTD	CRISIL AAA	0.50%
CD - INDIAN BANK - 22/01/2027	CRISIL A1+	0.50%
NCD EXPORT IMPORT BANK OF INDIA	CRISIL AAA	0.50%
NCD SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA	CRISIL AAA	0.50%
NCD BHARTI TELECOM LTD.	CRISIL AAA	0.50%
NCD BAJAJ FINANCE LTD.	CRISIL AAA	0.50%
NCD AXIS FINANCE LTD	CRISIL AAA	0.50%
6.28% GSEC MAT- 14/07/2032	Sovereign	0.49%
CD - ICICI BANK LTD - 25/03/2027	ICRA A1+	0.49%
07.23% RAJASTHAN SGS Mat - 23/10/2035	SOV	0.49%
CD - SMALL INDST. DEV. BANK OF INDIA - 26/02/2027	CRISIL A1+	0.49%
EQ - GLAND PHARMA LTD.	Pharmaceuticals & Biotechnology	0.48%
6.96% AP SDL MAT - 06/08/2034	SOV	0.48%
7.08% A P SGL MAT - 26/03/2037	Sovereign	0.48%
EQ - IPCA LABORATORIES LTD.	Pharmaceuticals & Biotechnology	0.45%
EQ - NESTLE INDIA LTD.	Food Products	0.44%
EQ - POLY MEDICURE LTD	Healthcare Equipment & Supplies	0.44%
EQ - MARICO LTD	Agricultural Food & Other Products	0.44%
EQ - AU SMALL FINANCE BANK LTD	Banks	0.43%
NCD PIRAMAL FINANCE LIMITED	ICRA AA+	0.43%
EQ - BERGER PAINTS INDIA LTD.	Consumer Durables	0.35%
EQ - HAVELLS INDIA LTD.	Consumer Durables	0.34%
EQ - P I INDUSTRIES LTD	Fertilizers & Agrochemicals	0.33%
EQ - 3M INDIA LTD.	Diversified	0.30%
06.48% GSEC Mat- 06/10/2035	SOVEREIGN	0.29%
EQ - AAVAS FINANCIERS LTD.	Finance	0.28%
EQ - JUBILANT FOODWORKS LTD.	Leisure Services	0.28%
NCD GODREJ SEEDS AND GENETICS LIMITED	CRISIL AA	0.25%
EQ - ASIAN PAINTS (INDIA) LTD.	Consumer Durables	0.25%
NCD GODREJ SEEDS AND GENETICS LIMITED	CRISIL AA	0.25%
EQ - SHREE CEMENT LTD.	Cement & Cement Products	0.21%
08.12% PTC - INDIA UNIVERSAL TRUST AL1 - SERIES-A2	FITCH AAA(SO)	0.19%
EQ - INDIAMART INTERMESH LTD	Retailing	0.18%
NCD ADANI POWER LTD.	CRISIL AA	0.16%
EQ - ERIS LIFESCIENCES LTD	Pharmaceuticals & Biotechnology	0.16%
EQ - PAGE INDUSTRIES	Textiles & Apparels	0.15%
MF UNITS Nifty 5 yr Benchmark G-Sec ETF ETF	-	0.12%
MF UNITS Nifty 10 yr Benchmark G-Sec ETF ETF	-	0.12%
EQ - ROSSARI BIOTECH LTD	Chemicals & Petrochemicals	0.12%
EQ - SHEELA FOAM LTD.	Consumer Durables	0.12%
NCD BAJAJ FINANCE LTD.	CRISIL AAA	0.10%
CD - KOTAK MAHINDRA BANK LTD - 21/12/2026	CRISIL A1+	0.10%
NCD POWER FINANCE CORPORATION LTD.	CRISIL AAA	0.06%
MF UNITS UTI Nifty Bank ETF ETF	-	0.05%
07.73% HARYANA SGS Mat - 18/02/2045	SOV	0.04%
MF UNITS UTI BSE India Sector Leaders Exchange Traded Fund ETF	—	0.03%
07.26% TAMIL NADU SGS Mat - 24/09/2035	SOV	0.03%
NCD EXPORT IMPORT BANK OF INDIA	CRISIL AAA	0.01%
7.19% MAHARASHTRA SDL-27/02/2040	SOV	0.01%

Sector mix

Corporate Debt 31.4%
Sovereign Debt 23.2%
Financial Services 10.0%
Services 7.6%
Healthcare 5.2%
Consumer Durables 4.7%
Information Technology 4.4%
Other 13.5%

Risk metrics, trailing 3y (656 matched daily returns, 2023-10-26 → 2026-07-02)

Sharpe

+0.38

excess return per unit of total volatility

Sortino

+0.54

excess return per unit of downside vol

Calmar

+0.80

CAGR / |max DD| in window

Beta vs benchmark

+0.37

scheme sensitivity to benchmark moves

Tracking error

+9.10%

annualised stdev of (scheme − benchmark)

Up capture

+39.3%

% of benchmark gain captured on up days

Down capture

+34.3%

% of benchmark loss participated in

Risk-free rate assumed 6.0% annualised. Benchmark = Nifty 50 TRI (assigned by category mapping).

Factual data only. No investment advice or recommendation. Read the scheme document and consult a SEBI-registered Investment Adviser for personalised guidance.