| Investment Objective Investment objective of the scheme is primarily to provide return through growth in the NAV or through dividend distribution (IDCW) and reinvestment thereof. Amounts collected under the scheme shall generally be invested as follows: (a) Not less than 60% of the funds in debt instruments with low to medium risk profile. (b) Not more than 40% of the funds in equities and equity related instruments. |
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| Date of inception/allotment |
1st October, 1971 | ||||||||
| Fund Manager |
Mr. Anurag Mittal (Debt Portion) - B.Com, Master of Science, Chartered Accountant. Managing since Nov 2025. Total Exp:15 Yrs Mr. Ajay Tyagi (Equity Portion) Masters in Finance, CFA Charter holder. Managing since Dec 2014. Total Exp: 25 Yrs Mr. Akash Shah-Assistant Fund Manager - B.Com, CA Managing the scheme since Jan 2026. Total Exp: 8 Yrs Mr. Kamal Gada - Assistant Fund Manager (Equity Portion), B.com, CA, CS, CFA. Managing since Apr 2025. Total Exp: 18 Yrs |
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| Fund AUM/Folio as on 31st July, 2026 |
Fund Size Monthly Average : 5,073.93 Crore Closing AUM : 5,126.73 Crore No. of Folios : 1,72,689 |
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| High/Low NAV in the month |
High Growth Option : 43.2138 Low Growth Option : 42.1027 |
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Month-end Total Expense Ratio (%)* |
Regular : 1.58 Direct : 1.00 *For detailed YTD Total Expense Ratio refer to Click Here |
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| Minimum Investment Amount | Target amount enhanced to 15,00,000/- Minimum Target amount 15,000/- |
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Plans/Options
(Regular / Direct) |
10 year Plan / 15 year Plan | ||||||||
Market Capitalisation (%) |
|
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Load Structure |
Entry Load : Nil (Any application # size) Exit Load : 2% for premature withdrawal Nil - On or after maturity |
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NAV per unit as on 31st July, 2026 |
Regular Growth Option 43.2138 |
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Options Available |
SIP | ||||||||
Benchmark Index |
NIFTY 50 Hybrid Composite Debt 50:50 Index | ||||||||
Portfolio Parameters |
Weighted Average Maturity : 7.50 Yrs Yield to Maturity* : 7.25% Modified Duration : 4.60 Yrs Macaulay Duration : 4.80 Yrs Securitised Debt Average Maturity First Business Receivable Trust : 1.99 Yrs *Annualized Portfolio YTM – Yields of all securities are annualized |
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| # In terms of provision no. 11.7.1 of para 11.7 under Chapter 11 of SEBI Master Circular for Mutual Funds no entry load will be charged by the Scheme to the investor | |||||||||
UTI Unit Linked Insurance Plan - Bonus declared |
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Year |
IDCW |
Per unt |
NAV (Cum Div ) |
Face Value (per unit) |
NAV Date |
Record Date |
2006 |
02:15 |
17.1209 |
10.00 |
30-03-2006 |
06-04-2006 |
|
2007 |
1.10 |
15.4634 |
10.00 |
30-03-2007 |
06-04-2007 |
|
2008 |
1.10 |
15.3404 |
10.00 |
30-09-2008 |
07-10-2008 |
|
2010 |
1.10 |
18.2637 |
10.00 |
23-02-2010 |
02-03-2010 |
|
2011 |
1.10 |
18.8819 |
10.00 |
25-04-2011 |
02-05-2011 |
|
2012 |
1.10 |
17.6937 |
10.00 |
13-06-2012 |
20-06-2012 |
|
2013 |
1.10 |
18.1324 |
10.00 |
23-05-2013 |
30-05-2013 |
|
2014 |
1.10 |
19.2033 |
10.00 |
25-08-2014 |
01-09-2014 |
|
The scheme IDCW details under regular plan.
Disclaimer: Pursuant to payment of Dividend/Bonus, the Nav of the income distribution cum capital withdrawal options of the schemes would fall to the extent of payout and statutory levy (if applicable)
| Financial Services | 24% |
| Consumer Services | 18% |
| Consumer Durables | 12% |
| Healthcare | 11% |
| Information Technology | 10% |
| Portfolio | % of Nav |
Rating |
| Equity | ||
| Bajaj Finance Ltd. | 2.74 | |
| Eternal Ltd | 2.65 | |
| ICICI Bank Ltd | 2.60 | |
| HDFC Bank Ltd. | 2.06 | |
| Titan Company Ltd. | 1.76 | |
| Coforge Ltd | 1.56 | |
| Info-Edge (India) Ltd. | 1.54 | |
| Bharti Airtel Ltd. | 1.54 | |
| Dixon Technologies (India) Ltd | 1.53 | |
| Persistent Systems Ltd. | 1.46 | |
| Kotak Mahindra Bank Ltd. | 1.32 | |
| Avenue Supermarts Ltd. | 1.26 | |
| Mahindra & Mahindra Ltd. | 1.15 | |
| LTM Ltd | 1.02 | |
| Trent Ltd | 1.01 | |
| Others | 13.88 | |
| Govt Securities | ||
| 07.18% GSEC MAT -24/07/2037 | 8.00 | SOV |
| 07.32% GSEC MAT -13/11/2030 | 4.03 | SOV |
| 7.24% GSEC MAT- 18/08/2055 | 2.56 | SOV |
| 7.88% ANDHRA PRADESH SGS 25/03/2046 | 1.49 | SOV |
| 6.91% MH SDL MAT - 15/09/2033 | 1.44 | SOV |
| Others | 13.63 | |
| Long Term Debt | ||
| Indian Railway Finance Corporation Ltd | 2.97 | CRISIL AAA |
| Mahindra And Mahindra Financial Services Ltd | 2.44 | CRISIL AAA |
| Small Industries Development Bank Of India | 1.95 | CRISIL AAA |
| Power Finance Corporation Ltd. | 1.54 | CRISIL AAA |
| Tata Capital Ltd. | 0.98 | CRISIL AAA |
| REC Ltd | 0.98 | CRISIL AAA |
| National Bank For Agriculture And Rural Development | 0.59 | CRISIL AAA |
| Bajaj Finance Ltd. | 0.58 | CRISIL AAA |
| Export Import Bank Of India | 0.50 | CRISIL AAA |
| Muthoot Finance Ltd | 0.49 | ICRA AA+ |
| Others | 3.00 | |
| CP / CDs | ||
| Adani Ports And Special Economic Zone Ltd | 1.94 | CRISIL A1+ |
| Export Import Bank Of India | 1.90 | CRISIL A1+ |
| Small Industries Development Bank Of India | 1.41 | CARE A1+ |
| Cholamandalam Investment And Finance Company Ltd | 1.40 | CARE A1+ |
| Indian Bank | 0.47 | CRISIL A1+ |
| Others | 1.03 | |
| Mutual Fund Units | ||
| UTI NIFTY 5 yr Benchmark G-Sec ETF | 0.12 | |
| UTI NIFTY 10 yr Benchmark G-Sec ETF | 0.12 | |
| UTI NIFTY Bank Exchange Traded Fund ETF | 0.05 | |
| Securitised Debt | ||
| India Universal Trust Al1 | 0.91 | IND AAA(SO) |
| Net Current assets | 4.40 | |
| Total | 100.00 |
Median Market Cap ( Cr) |
2,31,713 |
Weighted Average Market Cap |
3,65,288 |
Number of Securities |
46 |
All figures given are provisional and unaudited. |
Quantitative Indicators |
Fund |
Benchmark |
Beta |
0.73 |
1 |
Standard Deviation (Annual) |
5.59% |
6.83% |
Sharpe ratio |
0.45 |
|
Portfolio Turnover Ratio (Annual) |
0.15 |
|
P/B |
4.95 |
3.06 |
P/E |
37.71 |
21.63 |
| ROE | 19.31 |
18.51 |
Calculation Methodology: P/E and P/B are based on harmonic mean: ROE is calculated as a weighted average. All figures are based on trailing twelve months (TTM) data.
| Fund Performance Vs Benchmark (CAGR) as on 31st July, 2026 Growth of 10000 |
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| Period | NAV Growth (%) |
NIFTY 50 Hybrid Composite Debt 50:50 Index(%) |
Nifty 50 TRI (%) |
NAV Growth () |
NIFTY 50 Hybrid Composite Debt 50:50 Index () |
Nifty 50 TRI () |
| 1 Y | 2.75 | 1.15 | -0.43 | 10,275 | 10,115 | 9,957 |
| 3 Y | 7.93 | 7.62 | 8.56 | 12,575 | 12,467 | 12,797 |
| 5 Y | 6.87 | 8.22 | 10.40 | 13,943 | 14,847 | 16,404 |
| 10 Y | 7.32 | 9.93 | 12.28 | 20,276 | 25,786 | 31,864 |
| SI* | 10.27 | N.A | N.A | 21,35,858 | N.A | N.A |
Past performance may or may not be sustained in future. Different plans have a different expense structure. The performance details provided herein are of regular plan. *Compounded annualized Growth Rate. The fund manager Mr. Anurag Mittal (Debt Portion) managing since November 2025, Mr. Ajay Tyagi (equity portion) managing since December 2014, Mr. Akash Shah Assistant Fund Manager (Equity Portion), managing since Jan 2026 and Mr. Kamal Gada is Assistant Fund Manager (Equity portion) managing the scheme since April 2025. N.A - Not Available. Please refer page no. 78 for FPI Performance. Load is not taken into consideration for computation of performance.
| Period | |||||||
|
Investment Amount ()
|
Fund Value
() |
NIFTY 50 Hybrid
Composite Debt 50:50 Index () |
Nifty 50 TRI
() |
Yield (%) Fund
|
Yield (%) NIFTY 50 Hybrid
Composite Debt 50:50 Index |
Yield (%)
Nifty 50 TRI |
|
| 1 Y | 1,20,000 | 1,24,912 | 1,21,077 | 1,19,609 | 7.71 | 1.68 | -0.61 |
| 3 Y | 3,60,000 | 3,97,745 | 3,88,531 | 3,84,933 | 6.59 | 5.02 | 4.40 |
| 5 Y | 6,00,000 | 7,17,225 | 7,19,036 | 7,36,945 | 7.08 | 7.18 | 8.16 |
| 7 Y | 8,40,000 | 11,15,996 | 11,51,415 | 12,67,635 | 7.99 | 8.87 | 11.56 |
| 10 Y | 12,00,000 | 17,68,953 | 19,63,152 | 22,36,430 | 7.54 | 9.51 | 11.97 |
| 15 Y | 18,00,000 | 32,20,721 | 40,36,206 | 48,87,346 | 7.35 | 10.06 | 12.31 |
| SI | 26,00,000 | 54,19,013 | 89,30,221 | 1,15,48,659 | 6.28 | 10.19 | 12.14 |
Note: Systematic Investment Plan (SIP) returns are worked out assuming investment of 10,000/- every month at NAV per unit of the scheme as on the first working day for the respective time periods. The loads have not been taken into account. Past performance may or may not be sustained in future.
This product is suitable for investors who are seeking*:
- Long Term Capital Appreciation
- Investment in equity instruments (maximum-40%) and debt Instruments
*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.
*Temporary discontinuation of fresh subscription (w.e.f August 01, 2022)