Balanced Advantage Fund · SIP history from AMFI NAVs
UTI Unit Linked Insurance Plan SIP calculator & returns
A ₹10,000 monthly SIP in the Direct plan for the last 10 years (Nov 2016 onward) would be worth ₹17.56 L on 1 Oct 2026, on ₹12,00,000 invested — an XIRR of 7.5%. After tax on full redemption: ₹17.04 L.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Invested — over — instalments; valued at NAV of —:
| Year | Invested | Value at year end | XIRR to date |
|---|
₹10,000 a month in UTI Unit Linked Insurance Plan: what it became
Each row is a monthly SIP that ends today (1 Oct 2026). Post-tax assumes you redeem everything today with no other capital gains this year.
| SIP period | Invested | Direct value | Direct XIRR | Direct post-tax | Regular value | Regular XIRR |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.21 L | 2.0% | ₹1.21 L | ₹1.21 L | 1.4% |
| 3 years | ₹3,60,000 | ₹3.83 L | 4.3% | ₹3.83 L | ₹3.80 L | 3.7% |
| 5 years | ₹6,00,000 | ₹6.99 L | 6.3% | ₹6.99 L | ₹6.87 L | 5.6% |
| 10 years | ₹12,00,000 | ₹17.56 L | 7.5% | ₹17.04 L | ₹16.91 L | 6.8% |
| Since launch of each plan | varies | ₹28.65 L | 7.7% | ₹27.51 L | ₹48.33 L | 6.1% |
Same ₹10,000/month for 10 years, same fund manager, same portfolio: the Regular plan ended ₹65,447 lower (3.7% of the Direct value). The XIRR gap is 0.74 percentage points a year — that is the distributor commission inside the Regular plan's expense ratio, compounding against you. Direct vs Regular, explained.
Every SIP this fund has ever allowed: rolling returns
We started a 5-year SIP in every month the Regular plan's history allows — 187 separate SIPs. The worst returned -3.0% a year (started Sep 2008), the median 6.5%, the best 11.6%; 7% of them lost money. That spread is the honest answer to “what return should I expect?” — not a single trailing number.
XIRR of every 5-year monthly SIP in the Regular plan, plotted by the month it started. Dashed line: 6% a year.
| Window | SIPs tested | Worst XIRR | Median | Best XIRR | Lost money | Beat 6% |
|---|---|---|---|---|---|---|
| 3-year SIPs | 211 | -7.1%Sep 2010–Sep 2013 | 7.0% | 16.0%Nov 2018–Nov 2021 | 12% | 62% |
| 5-year SIPs | 187 | -3.0%Sep 2008–Sep 2013 | 6.5% | 11.6%Oct 2019–Oct 2024 | 7% | 55% |
| 10-year SIPs | 127 | 2.3%Apr 2010–Apr 2020 | 6.8% | 9.1%Oct 2014–Oct 2024 | 0% | 64% |
Rolling figures use the Regular plan (longer history). SIP on the first business day of each month; units valued at the NAV one month after the last instalment.
Questions about UTI Unit Linked Insurance Plan SIPs
What would a ₹5,000 monthly SIP in UTI Unit Linked Insurance Plan for 5 years be worth today?
About ₹3.50 L on ₹3,00,000 invested (Direct plan, Nov 2021 to Oct 2026), an XIRR of 6.3%. Scale linearly for other amounts, or use the calculator above for any start month.
What is the 10-year SIP return of UTI Unit Linked Insurance Plan?
A monthly SIP over the last 10 years in the Direct plan earned an XIRR of 7.5% as of 1 Oct 2026. Rolling 10-year SIPs across the fund's history are shown on this page because a single trailing number depends heavily on today's market level.
Has a 5-year SIP in UTI Unit Linked Insurance Plan ever lost money?
Yes. 7% of 187 rolling 5-year SIPs ended with a negative XIRR; the worst was -3.0% (Sep 2008–Sep 2013).
Direct or Regular plan of UTI Unit Linked Insurance Plan — how much does it matter?
Same ₹10,000/month for 10 years, same fund manager, same portfolio: the Regular plan ended ₹65,447 lower (3.7% of the Direct value). The XIRR gap is 0.74 percentage points a year — that is the distributor commission inside the Regular plan's expense ratio, compounding against you. Direct vs Regular, explained.
Where does this data come from?
Daily NAVs published by AMFI (Association of Mutual Funds in India). We take the first NAV of each month as the SIP date and value units at the latest NAV. Updated monthly.
How these numbers are calculated
NAVs are AMFI's official daily NAVs (Growth option). Instalments fall on the first business day of each month; stamp duty (0.005%) and exit loads are ignored. Returns are XIRR on actual dates. Tax: 12.5% LTCG above ₹1.25 lakh on units held over a year, 20% STCG on the rest, and Section 112A grandfathering at the 31-Jan-2018 NAV for older units. Full method: methodology.
Past performance does not indicate future returns. This page is a historical calculation, not a recommendation to buy, hold or sell this fund. sipcalculatorhub.com is not a SEBI-registered investment adviser.
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