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UTI - Unit Linked Insurance Plan- Direct
★★★★★ monitor_heart Health Score: 95/100 · ExcellentUTI Mutual Fund · Commodities · Gold
₹46.17
AUM: ₹1,299 Cr
NAV updated 4 days ago
Plan
Direct
Option
Growth
Risk
—
Expense Ratio
0.09%
Exit Load
Exit load of 1%, if redeemed within 15 days
Fund Manager
Ayush Jain
Inception
Oct 2022
Benchmark
Domestic Price of Gold
Sharpe Ratio
-0.71
Std Dev (1Y)
6.32%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
-1.81%
3m
-5.98%
6m
-12.47%
1y
+43.69%
3y
+32.88%
5y
+7.57%
10y
+8.05%
since inception
+7.3%
rate_review TopFund's Take on UTI - Unit Linked Insurance Plan- Direct
UTI - Unit Linked Insurance Plan- Direct ranks among the stronger performers in the Gold category, backed by a 5-star rating. Consistent 3-year performance combined with a strong rating makes this one of the more credible options in its space. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 95/100.
Cost: At 0.09%, the expense ratio is meaningfully cheaper — about 40% below the Gold category average of 0.15% (based on 181 comparable funds). Lower costs compound in your favour over long holding periods.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -0.71 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 6.32% is on the lower side, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to investors whose goals and risk appetite align with a Commodities fund.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
donut_small Sector Allocation
pie_chart Asset Allocation
info Fund Snapshot
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tips_and_updates Tools & Guides for This Fund
Frequently Asked Questions about UTI - Unit Linked Insurance Plan- Direct
The current NAV (Net Asset Value) of UTI - Unit Linked Insurance Plan- Direct is ₹46.17. NAV is updated every business day after market close by AMFI.
1Y: 43.69% · 3Y CAGR: 32.88% · 5Y CAGR: 7.57%
The expense ratio is 0.09% per annum — the annual fee deducted from your investment to cover fund management costs.
UTI - Unit Linked Insurance Plan- Direct is managed by Ayush Jain at UTI Mutual Fund.
UTI - Unit Linked Insurance Plan- Direct is a moderate risk fund. Suitable for investors with a moderate risk appetite.
UTI - Unit Linked Insurance Plan- Direct is a Gold fund. SIP suitability depends on your investment goal and risk profile.
The Assets Under Management (AUM) of UTI - Unit Linked Insurance Plan- Direct is ₹1,299 crore as of the latest data.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.