UTI - Unit Linked Insurance Plan vs UTI - Unit Linked Insurance Plan- Direct — which has given better returns?

UTI - Unit Linked Insurance Plan has a 1-year return of 42.74% versus UTI - Unit Linked Insurance Plan- Direct's 43.69%. 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 - Unit Linked Insurance Plan or UTI - Unit Linked Insurance Plan- Direct?

UTI - Unit Linked Insurance Plan's expense ratio is 0.24% versus UTI - Unit Linked Insurance Plan- Direct's 0.09%. A lower expense ratio directly improves your net returns over the long term, all else being equal.

Can I invest in both UTI - Unit Linked Insurance Plan and UTI - Unit Linked Insurance Plan- Direct?

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 - Unit Linked Insurance Plan vs UTI - Unit Linked Insurance Plan- Direct

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

UTI - Unit Linked Insurance Plan

SBI Mutual Fund

★★★★★

Commodities · Gold

UTI - Unit Linked Insurance Plan- Direct

UTI Mutual Fund

★★★★★

Commodities · Gold

Metric	UTI - Unit Linked Insu...	UTI - Unit Linked Insu...
NAV	₹42.7	₹27.38
Star Rating	★★★★	★★★★★
Expense Ratio	0.24%	0.09%
AUM	₹15,294 Cr	₹1,299 Cr
1M Return	-2.39%	-1.81%
3M Return	-6.5%	-5.98%
6M Return	-6.84%	-12.47%
1Y Return	+42.74%	+43.69%
3Y CAGR	+31.82%	+32.88%
5Y CAGR	+23.06%	+7.57%
Risk Level	—	—
Fund Manager	Raviprakash Sharma	Ayush Jain

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