UTI - GILT FUND - Direct Plan - Growth Option vs UTI - Unit Linked Insurance Plan — which has given better returns?

UTI - GILT FUND - Direct Plan - Growth Option has a 1-year return of 13.62% versus UTI - Unit Linked Insurance Plan's 13.76%. Compare NAV, expense ratio and star rating above before deciding, and check consistency over 3-5 years rather than a single year.

Which has the lower expense ratio, UTI - GILT FUND - Direct Plan - Growth Option or UTI - Unit Linked Insurance Plan?

UTI - GILT FUND - Direct Plan - Growth Option's expense ratio is 0.07% versus UTI - Unit Linked Insurance Plan's 0.25%. A lower expense ratio directly improves your net returns over the long term, all else being equal.

Can I invest in both UTI - GILT FUND - Direct Plan - Growth Option and UTI - Unit Linked Insurance Plan?

Yes, but check for portfolio overlap first if both funds are in the same category — holding two funds with very similar underlying stocks reduces the diversification benefit of investing in more than one fund.

UTI - GILT FUND - Direct Plan - Growth Option vs UTI - Unit Linked Insurance Plan

Side-by-side comparison of NAV, returns, expense ratio and star rating.

UTI - GILT FUND - Direct Plan - Growth Option

UTI Mutual Fund

★★★★★

Commodities · Gold

UTI - Unit Linked Insurance Plan

SBI Mutual Fund

★★★★★

Commodities · Gold

Metric	UTI - GILT FUND - Dire...	UTI - Unit Linked Insu...
NAV	₹27.87	₹44.37
Star Rating	★★★★★	★★★★
Expense Ratio	0.07%	0.25%
AUM	₹1,515 Cr	₹17,422 Cr
1M Return	-4.36%	-3.83%
3M Return	+3.29%	+3.08%
6M Return	-3.06%	-4.35%
1Y Return	+13.62%	+13.76%
3Y CAGR	+34.48%	+34.13%
5Y CAGR	+5.41%	+23.74%
Risk Level	—	—
Fund Manager	Ayush Jain	Raviprakash Sharma

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