UTI ULIP NAV

UTI ULIP NAV (Net Asset Value) is a key metric of the Unit Linked Insurance Plan (ULIP) offered by UTI Mutual Fund. NAV represents the per-unit value of the ULIP fund. It reflects the current market value of the underlying assets of the UTI ULIP fund. The UTI ULIP NAV serves as a crucial indicator for an investor, helping them to track the performance and growth of their ULIP investments and maximise their benefits over time.

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Top ULIP Funds
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AUM
Returns (in %)
3 Year
5 Year
10 Year
1,663 Cr
Returns
26.72%
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27.01%
Highest Returns
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20.76%
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2,894 Cr
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24.45%
Highest Returns
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22.83%
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18.66%
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2,337 Cr
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23.41%
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19.4%
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17.94%
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961 Cr
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20.27%
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18.65%
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17.15%
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6,464 Cr
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19.12%
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17.41%
Returns
16.85%
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Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
11,380 Cr
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24.25%
Highest Returns
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23.2%
Returns
21.58%
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1,340 Cr
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30.17%
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23.17%
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19.65%
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18.51%
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Fund Name
AUM
Returns (in %)
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5 Year
10 Year
241 Cr
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13.58%
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14.47%
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12.81%
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344 Cr
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13.28%
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12.53%
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12.17%
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523 Cr
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10.86%
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11.04%
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836 Cr
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13.3%
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11.91%
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11.02%
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21 Cr
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13.59%
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11.77%
Returns
10.81%
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Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
487 Cr
Returns
19.06%
Highest Returns
Returns
16.57%
Returns
16.12%
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243 Cr
Returns
7.25%
Returns
8.16%
Returns
9.18%
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777 Cr
Returns
5.17%
Returns
7.26%
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8.29%
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305 Cr
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5.9%
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7.06%
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8.07%
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466 Cr
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4.96%
Returns
7.46%
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8.05%
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What is UTI ULIP?

UTI Unit Linked Insurance Plan (ULIP) is a financial product that offers both life insurance coverage and investment options. It is a type of mutual fund where a portion of the premium is used to provide life insurance cover, and the remaining portion is invested in qualified investments like:

  • Stocks

  • Bonds

  • Mutual funds

  • Money Market Instruments (MMIs)

Thus, this best investment plan also provides the opportunity to generate higher returns over the long term. 

The UTI ULIP plan invests a minimum of 60% of funds in debt assets and up to 40% in equity assets. You also get a life insurance cover of Rs. 15 lakhs and a personal accidental cover of up to Rs. 50,000.

The plan also offers tax benefits under Section 80C and Section 10(10D) of the Income Tax Act 1961.

About UTI ULIP NAV

UTI Unit Linked Insurance Plan is an insurance plan with tax-saving options that has been available since its launch in October 1971, and it remains open for investors. The fund is managed by UTI Mutual Fund, one of the oldest and largest mutual fund companies in India.

The UTI ULIP NAV is available in two options: 

  • Regular Option: The Regular Option of UTI ULIP Fund is available through mutual fund distributors and UTI Mutual Fund offices.

  • Direct Option: The Direct Option of UTI ULIP Fund is available directly from UTI Mutual Fund.

Overview of UTI ULIP NAV

Particulars Details
Fund Objective To generate returns, either by increasing the Net Asset Value (NAV) or by distributing dividends and reinvesting them.
Launched On 05 July 2000
Fund House UTI Mutual Fund
Fund Type Open-ended 
UTI ULIP Plan Types
  • Regular Plan (Tenure: 10/ 15 years)
  • Direct plan: (Tenure: 10/ 15 years)
Options Available
  • Declining Term Insurance Cover: Your life insurance coverage will equal the outstanding unpaid portion of your chosen target sum.
  • Fixed Term Cover: Your life insurance coverage will match the entire target amount.
UTI ULIP NAV (as of 04 October 2023) Regular Plan: Rs. 34.65  Direct Plan: Rs. 37.09
Expense Ratio 1.62% (as of 31 August 2023)
Benchmark NIFTY 50 Hybrid Composite Debt 50:50 Index
Risk Factor Moderate to High risk
Asset Ratio
  • Equity: 40%
  • Debt: 60%
Entry Load NIL
Exit Load 
  • A 2% fee applies when units are withdrawn before maturity.
  • No fee is incurred for withdrawals made on or after maturity.
SIP in UTI ULIP A Systematic Investment Plan (SIP) is Available:
  • From Rs. 500 per month
  • From Rs. 1,500 quarterly
Systematic Transfer Plan Available
SWP A systematic Withdrawal Plan (SWP) is Available as per below:
  • SWP per month: Rs. 1,000
  • SWP per quarter: Rs. 3,000 
  • SWP per half-yearly: Rs. 5,000
  • SWP per year: Rs. 5,000
Life Cover Rs. 15 lakhs
Accidental Cover Rs. 50,000
Taxation
  • UTI ULIP redemption is subject to capital gains tax.
  • Gains can be short-term or long-term based on the holding period.
  • If held for 3 years or less, it's Short-Term Capital Gains Tax (STCG) at income slab rates.
  • If held for more than 3 years, it's Long-Term Capital Gains Tax (LTCG) at 20% with indexation.
Tax Benefits
  • Premium paid towards UTI ULIP is eligible for deductions of up to Rs. 1.5 lakhs from the taxable income under Section 80C of the IT Act, 1961.
  • Long-term capital gains (LTCG) from UTI ULIP are taxed at a rate of 10% with indexation benefits.
  • Indexation adjusts for inflation in the purchase cost, reducing the tax liability.
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Portfolio of UTI ULIP NAV ~ as of 05 October 2023

Particulars Details
Equity Holdings
  • Asset Allocation: 0% - 40%
  • Current Allocations: 39.30%
  • Large Cap: 17.08%
  • Mid Cap: 10.41%
  • Small Cap: 4.49%
  • Other Investments: 7.32%
Debt Holdings
  • Asset Allocation: 60% - 100%
  • Current Allocations: 52.95%
Other Assets 7.75%
Top 5 Stocks in Equity Holdings
  • LTIMindtree Ltd: 2.81%
  • HDFC Bank Ltd: 2.65%
  • ICICI Bank Ltd: 2.36%
  • Bajaj Finance Ltd: 2.28%
  • Infosys Ltd: 1.59%
Top Stocks in Debt Holdings
  • G-Securities: 23.72%
  • NCDs* & Bonds: 28.26%
  • PTC**: 0.81%
  • T- Bills: 0.16%

*NCD: Non-Convertible Debentures
**PTC: Pass-Through Certificate

UTI ULIP Returns

UTI ULIP Returns (NAV of Rs. 34.65 as of 04 October 2023)
Period Annualised Returns (in % p.a.)
1-Year 6.52%
3-Year 10.15%
5-Year 7.09%
10-Year 8.98%
RSI* 8.58%

*Returns Since Inception

Steps to Invest in UTI ULIP NAV

To invest in UTI ULIP NAV, you can follow the steps mentioned below:

Step 1: Visit the UTI Mutual Fund website or contact a mutual fund distributor.

Step 2: Fill in an application form and provide your personal and financial details along with the documents like:

  • Identity proof: PAN card, Aadhaar card, or passport

  • Address proof: Bank statement, utility bill, or driving license

  • Income proof: Salary slip, Form 16, or IT return (optional)

Step 3: Choose the investment option (Regular or Direct) and the investment mode (lump sum or SIP).

Step 4: Make a payment of the required amount.

UTI ULIP Renewal

For UTI ULIP policies, renewal refers to the process of extending your unit-linked insurance plan (ULIP) for another term. This typically involves paying the necessary premiums to keep your insurance coverage and investment benefits active. It is important to renew your UTI ULIP on time to ensure continuous protection and investment growth.

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Benefits of Investment in UTI ULIP 

UTI ULIP offers you a number of benefits, some of which are as follows:

  • The diversified portfolio of the UTI Mutual Fund ULIP NAV allows you to grow your money while securing your financial future.

  • UTI Mutual Fund has 45 years of success in investor wealth building.

  • The investment portfolio of UTI ULIP is ideal for long-term growth with stocks and bonds.

  • The fund offers a low expense ratio for cost-effective investing.

  • No medical exams are required for life coverage under the UTI Unit Linked Insurance Plan.

  • You can maintain coverage even during non-receipt of contributions.

  • The UTI ULIP plan offers tax benefits on investments made under the IT Act 1961.

  • Some other benefits of investment in Unit Trust of India ULIP NAV are as follows:

    • Minimal withdrawal costs.

    • Hassle-free claim settlement

    • Access to immediate exit options

FAQ's

  • What is the current NAV of UTI ULIP?

    The UTI Mutual Fund ULIP NAV value as of 04 October 2023 is Rs. 34.65 for the Regular Plan and Rs. 37.09 for the Direct Plan.
  • What is the maturity of UTI ULIP?

    The maturity of the UTI ULIP insurance plan depends on your choice. UTI ULIP offers policy terms of 10 years and 15 years. You can choose the policy term that best suits your needs.
  • Is UTI ULIP tax-free?

    No, UTI Unit Linked Insurance Plan is not completely tax-free. However, it does offer some tax benefits.
    • Premium Payment: The premium paid towards UTI ULIP is eligible for deduction from the policyholder's taxable income under Section 80C of the Income Tax Act, 1961, up to a maximum of Rs. 1.5 lakh per annum.

    • Maturity Proceeds: The maturity proceeds of UTI ULIP are also taxed but at a concessional rate of 10% with indexation benefit.

  • Is UTI ULIP a debt fund?

    No, Unit Trust of India ULIP is not a debt fund. It is a Unit-Linked Insurance Plan (ULIP), which is a hybrid investment product that combines the benefits of life insurance and investment options. UTI ULIP invests a minimum of 60% of the premium in equity and a maximum of 40% of the premium in debt.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
^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.
+Returns Since Inception of LIC Growth Fund
~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.

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