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UTI Children’s Equity Fund
A child's future planning includes efficient financial planning, enabling parents to build a corpus for their children’s needs, such as higher education. UTI Children’s Equity Fund is a solution-oriented mutual fund designed for children’s long-term financial goals. The fund requires a lock-in of 5 years or until the child attains majority (whichever is earlier), targeting child-focused goals. By investing in a diversified equity portfolio with a mandatory lock-in, this fund aims to build substantial capital over time.
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Features of UTI Children’s Equity Fund
The features of UTI Children’s Equity Fund are:
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Designed for a long-term investment horizon
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Equity-centric portfolio
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Diversified investment strategy
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Mandatory 5-Year Lock-in period
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Minimum Investment of ₹1,000
Information on UTI Children’s Equity Fund
Key details of this child plan scheme are:
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Scheme Launch Date: January 30, 2008
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NAV (as on 30 Jun 2025): ₹95.7997
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AUM (as on 30 Jun 2025): ₹1,129.41 crore
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Fund Manager: Mr. Sachin Trivedi
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Benchmark Index: Nifty 500 TRI
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Total Expense Ratio (Direct Plan): 1.17%
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Total Expense Ratio (Regular Plan): 2.24%
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Special Facilities: Redeem, SIP (Systematic Investment Plan), Switch
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Investment Style:
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Blend of growth and value investing
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Focus on diversification across sectors and market capitalizations
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Invests in sustainable and transformational businesses
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Fund Performance vs Benchmark (CAGR)
| Period | Fund (NAV %) | Nifty 500 TRI % | Fund NAV Value (Rs) (Growth of ₹10,000) |
Nifty 500 TRI(Rs) (Growth of ₹10,000) |
| 1 Year | 8.78% | 9.02% | ₹10,878 | 10,902 |
| 3 Years | 14.87% | 18.42% | ₹15,163 | 16,614 |
| 5 Years | 21.32% | 25.10% | ₹26,296 | 30,658 |
| Since Inception | 11.92% | 11.22% | ₹70,520 | 63,249 |
Benefits of UTI Children’s Equity Fund
The benefits of UTI Children’s Equity Fund are:
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Long-Term Wealth Accumulation: The fund's focus on equity and long-term investment horizon allows for significant wealth creation through the power of compounding.
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Financial Security for Children: It provides a dedicated avenue to save and invest for crucial child-related expenses such as higher education, marriage, or starting a business.
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Diversified Portfolio: The blend style of investing across sectors and market capitalizations offers diversification, potentially reducing overall risk.
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Disciplined Investing: The inherent 5-year lock-in period encourages investors to stay invested for the long term, fostering financial discipline.
Invest More Get More
Invest ₹10K/Month YOU GET ₹1 Crores* For Your Child
Invest ₹8K/Month YOU GET ₹80 Lakhs* For Your Child
Invest ₹5K/Month YOU GET ₹50 Lakhs* For Your Child
Standard T&C Apply *
Risk Profile
The fund is categorized as Very High Risk, reflecting exposure to equity markets. Investors must be prepared for market fluctuations and have a long-term perspective.
Conclusion
UTI Children’s Equity Fund is a renowned investment option for parents aiming to secure their children’s future needs through disciplined, long-term equity investing. With seasoned fund management, diversified equity exposure, and strong historical returns, this fund aligns well with long-term children's goals—though suitable only for investors comfortable with market volatility.
FAQs
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Who should invest in UTI Children’s Equity Fund?
Parents or guardians seeking long-term capital growth for children's goals through equities. -
What is the lock-in period?
It has a mandatory lock-in of 5 years or until the child turns 18, whichever comes first. -
What is the minimum investment?
You can start with as little as ₹1,000 in lumpsum or via ₹1,000/month SIP. -
What risk does the fund carry?
It is classified as “Very High Risk,” so it's suitable for those with high risk tolerance. -
Can I redeem after the lock-in period?
Yes, there's no exit load post lock‑in, offering flexibility when your child reaches adulthood.
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance
plan.
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CARG 8%; ₹50,45,591 @ CAGR 4%
+Returns Since Inception of LIC Growth Fund
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.