uti unit linked insurance plan
TRANSCRIPT
UTI UNIT LINKED INSURANCE PLAN(An open-ended tax saving –cum insurance scheme )
JULY 2017
This product is suitable for investors who are seeking*:
- Long term capital appreciation- Investment in equity instruments (maximum – 40%) and debt instruments
* Investors should consult their financial advisors if in doubt about whether the product is suitable for them
MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME RELATED DOCUMENTS CAREFULLY.
Amandeep Chopra
Head of Fixed Income
MBA
Total Exp: 26 yrs
With UTI MF: 26 yrs
Sudhir Agarwal
Fund Manager
MBA & CFA
Total Exp: 13 yrs
With UTI MF: 8 yrs
Ritesh Nambiar
Fund Manager
MBA, CFA & FRM
Total Exp: 12 yrs.
With UTI MF: 9 yrs
Sunil Patil
Fund Manager
MFM & M.Com
Total Exp: 27 yrs.
With UTI MF: 27 yrs
Amit Sharma
Assistant Fund Manager
CA,FRM
Total Exp: 8 yrs.
With UTI MF:8 yrs
Manish Joshi
Fund Manager
MSc, MFM
Total Exp: 20 yrs
With UTI MF: 20 yrs
Shilpita Guha
CIO
MSc (Economics), MBA
Total Exp: 20 yrs
With UTI MF: 20 yrs
Rahul Aggarwal
Portfolio Manager
BE, MBA (Finance)
Total Exp: 8yrs
With UTI MF: 1 yrs
Meghna Shah
Economist
MBA (Finance),
MA (Economics)
Total Exp: 8yrs
Siddharth S.
Research Analyst
MBA (IB), CFA
Total Exp: 7 yrs
Richa Tripathi
Research Analyst
MBA (Finance)
Entire Exp: 4 yrs
Re
sea
rch
&
Ec
on
om
ist
Mu
tua
l Fu
nd
PM
S,
Re
tire
me
nt
So
lutio
n &
O
ffsh
ore
About Our Investment Management Team (Fixed Income)2
About Our Investment Management Team (Equity)
Ajay Tyagi, CFAFM – Domestic Equity& Offshore FundsTotal Work Exp: 17 Years
With UTI: 17 Years
Sanjay DongreFM – Domestic EquityTotal Work Exp: 23 Years
With UTI: 23 Years
Lalit Nambiar, CFAFM – Domestic EquityTotal Work Exp: 23 Years
With UTI: 10 Years
Kaushik BasuFM – Domestic EquityTotal Work Exp: 34 Years
With UTI: 34 Years
V SrivatsaFM – Domestic Equity& Offshore FundsTotal Work Exp: 17 Years
With UTI: 15 Years
Swati Kulkarni, CFAFM – Domestic EquityTotal Work Exp: 26 Years
With UTI: 25 Years
Vetri SubramaniamHead Equity & Fund ManagerTotal Work Exp: 25 Years
UTI MF: Less than a year
Investment Managers
Research Team
Sachin Trivedi, CFAFM – Domestic Equity& Head of ResearchTotal Work Exp: 16 Years
With UTI: 16 Years
Tracks Capital Goods,
Auto, Logistics
Amit Premchandani, CFAFM – Domestic Equity& Sr. AnalystTotal Work Exp: 12 Years
With UTI: 8 Years
Tracks Banks , NBFCs, Cement
Ritesh Rathod, CFAFM – Domestic Equity & Sr. AnalystTotal Work Exp: 11 Years
With UTI: 11 Years
Tracks Technology ,
Pharmaceuticals, Real Estate
Kamal Gada, CFAResearch AnalystTotal Work Exp: 12 Years
With UTI: 9 Years
Tracks Energy, Fertilizer,
Chemicals, Media and Infra
construction
Vishal Chopda, CFAResearch AnalystTotal Work Exp: 9 Years
With UTI: 6 Years
Tracks FMCG (Staples),
QSR, Retail, Consumer Durable
Parag Chavan, CFAResearch AnalystTotal Work Exp: 7 Years
With UTI: 5 Years
Tracks Metals & Mining,
Utilities, Building Materials,
Sugar, Healthcare, Hotels
Preethi R SResearch AnalystTotal Work Exp: 5 Years
With UTI: 5 Years
Tracks Auto Ancillaries,
Insurance, HFC & NBFCs
Sharwan Goyal, CFA FM – Overseas Investments & Portfolio AnalystTotal Work Exp: 11Years
With UTI: 11 Years
3
Board of Directors(Internal Norms/Delegation)
Scheme Offer Document(Investment objective/Guidelines)
Fund Managers &
Investment Committee
Debt & Economic
Research Reports
Meeting &
Conference Calls
Newswire &
Bloomberg
External Inputs
Investment Decision
Execution
Independent Dealing team
Control Mechanism /FunctionI Compliance I Risk Management I
I Audit I
Dealing TeamProvides market inputs on Call market, G-sec & Corp. Debt
Inputs from UTI Research
Team
Internal Inputs
Inputs from Strategic
Partner
I Risk Management II Fixed Income Steering Committee I
I Meeting with Board of Directors I
Review Mechanism
Fixed Income Investment Process4
INVESTMENT UNIVERSE
About 350 companies, spanning large, mid & small
market capitalisation.
PORTFOLIO CONSTRUCTION
• Based on the Fund Mandate & Internal
Prudential investment norms
• Considerations for Valuations, Sector Weights
• Market Cap bias & Active Share
SCREENING THE UNIVERSE – UTI PROCESS
Objective Factors
• Operating Cash Flow
• Return on Capital/Equity
Subjective Factors
• Management Competence
• Growth Prospects
This is a comprehensive and ongoing feature of
Investment process.
SCREENING THE UNIVERSE –
UTI PROCESS
PORTFOLIO
CONSTUCTION
INVESTMENT PROCESS LED BY CONVICTION & STYLE CONSISTENCY
INVESTMENT UNIVERSE
350COMPANIES
Investment Universe & Portfolio Construction (Equity)5
Liquid Fund
Ultra Short Term & Arbitrage Funds
Return Level
Ris
k L
ev
el
UTI Unit Linked Insurance Plan
Debt Funds
Positioned as
Debt oriented Hybrid
Fund with Min 60% into
Debt and Max 40%
into Equity
Product Positioning6
Monthly Income Funds
Hybrid & Specialty Funds
Index Funds
Diversified Equity Funds
Thematic Funds
Sector Funds
GET MULTIPLE BENEFITS FROM A SINGLE PLAN
Need for Investment cum insurance for yourself & dependents7
INVESTMENT INSURANCE
Saving/ Investment
For
Yourself &
Dependent
Insuring
your future earning for
your Dependent
`
Evaluate the needs for investment & insurance…8
You need to evaluate investment decision with life
insurance decisions
Secure your future by mitigating risk through
insurance cover
Not taking a holistic view of Human Capital, Financial Wealth & Life Insurance
Need, results in under-insurance/ over-insurance
Weighing UTI ULIP v/s Market ULIP
Parameter UTI ULIP Insurance ULIP
Cost Expenses on a lower side Expenses on higher side
History Pedigree of 45 years Don’t have a long track record & history
Liquidity option Investor can withdraw anytime , subject to exit load
Investor to stay for minimum required period of 5 year
(Subject to discontinuation charges as per IRDA Regulations)
Simple process Simple declaration of health No Medical Check up
Long drawn process of undergoing Medical check up/ Consultation
Transparency
Information available on research/review and portfolio
Information available in public domain
Limited information on research / review / portfolio of ULIP
Lack of information in public domain
Value add Accidental Cover* upto 50,000/- (borne by AMC) Riders cost inbuilt in the premium
Initial Expense: include mortality charges, premium allocation charge, Fund Management Charges (FMC) & Administration charge. * Detail regarding Accidental cover
mentioned in Slide no.11
9
UTI ULIP provides life insurance cover based on your need…
•Life insurance cover to the extent of the unpaid but not due amount of the chosen target amountDeclining Term Cover
•Life Insurance Cover to the extent of the target amountFixed Term Cover
Choose in tune with your insurance needs for optimal insurance cover
For terms and condition related to Insurance cover you may please refer the Scheme Information Document
10
Added benefit of Personal Accident Cover
• Personal Accident Cover available upto Rs. 50,000/- (irrespective of Target Amount)
• The amount of personal accident insurance cover will depend on the nature of the accident which is mentioned below:
Event Amount of Personal accident insurance cover (`)
Death due to accident 50,000/-
Total Permanent disablement due to accident 50,000/-
Loss of both eyes or both hands or both feet of one hand
and one foot or one eye and one hand or one foot due to
accident
50,000/-
Loss of one eye or one hand or one foot due to accident 25,000/-
# Payment of premium to the insurer shall form part of the recurring expense of the scheme
11
PoP
Easy Claim settlement process
*Insurance cover is being provided by way of a tie-up with LICI through Group Term Insurance Scheme. PoP: Point of Presence/ LICI: Life Insurance Corporation of India/ RTA:
Registrar & Transfer Agency; UTI MF : UTI Mutual Fund
RTA
Nominee submits Death Certification/
Claim Form
Claim paper scrutinized and
submitted to LIC of India
LIC*
Further scrutinizes and settles claim to
UTI Mutual Fund
LIC UTI Mutual
Fund
UTI MF
UTI MF receive claim amount by LICI and
pays to nominee
Easy claim settlement process
UTI MF settles the claim in favor of the nominee
For non-nominee:
For >=5 Lac: Settlement process based on documents e.g. Probated Will / Succession Certificate and other
doc if any
For <5 Lac- Settlement based on internal procedure (documents required based on slab of claim amount)
12
In arrangement with LIC of India, there is revision in the quantum of premium payable for life coverage , the cycle of premium payment ,mode of payment of premium and other procedures.
The changes made are in order to make the process simpler and effective. Overall, the premium rates payable by the investors have beenreduced by 30% to 50% under different age bracket.
The rate of premium payable for the Fixed Term Insurance Cover will be the same as that of Declining Term Insurance Cover and the procedure for payment of premium will be same as mentioned above for Declining Term Insurance Cover.
The premia payment cycle will now be from 1st October to 30th September 2016. The premium rate for each year will be advised by LICapplicable from October to September of the subsequent year in the month of September
Based on previous claim data we have managed to get lower rates of premia from LIC.
The death claims preferably have to be submitted within one year from the date of the death of the investor but in any case not laterthan 5 years from the death of the investor.
In the scheme SID ,the sub‐clause on ‘(iii) Non‐receipt of Contribution’ appearing under Clause ‘B. Life Insurance Premium’ under Item
No. ‘III. Units and Offer’ stands deleted.
Refer Scheme Information Document for more details
1
2
3
4
5
Changes under UTI ULIP – w.e.f October 01, 201613
Revised rates (w.e.f. October 1, 2016) for both Declining Term Insurance Cover and Fixed Term Insurance Cover where the annual
premium payable to LIC for every Rs. 1000/- of the Life Insurance Cover)
Age at
entry
(in
years)
Term of Assurance 10 &
15 Years
Premium paying term 10
& 15 years
Annual Premium payable
yearly (Rs.)
12 0.54
13 0.54
14 0.54
15 0.56
16 0.61
17 0.66
18 0.70
19 0.74
20 0.77
21 0.80
22 0.81
23 0.83
24 0.84
25 0.85
Age at
entry
(in
years)
Term of Assurance 10 &
15 Years
Premium paying term 10
& 15 years
Annual Premium payable
yearly (Rs.)
26 0.85
27 0.86
28 0.87
29 0.89
30 0.90
31 0.92
32 0.95
33 0.99
34 1.03
35 1.08
36 1.14
37 1.21
38 1.29
39 1.38
40 1.49
Age at
entry
(in
years)
Term of Assurance 10 &
15 Years
Premium paying term 10
& 15 years
Annual Premium payable
yearly (Rs.)
41 1.61
42 1.75
43 1.91
44 2.10
45 2.32
46 2.58
47 2.86
48 3.19
49 3.55
50 3.94
51 4.36
52 4.81
53 5.27
54 5.75
55 6.24
Age at
entry
(in
years)
Term of Assurance 10 &
15 Years
Premium paying term 10
& 15 years
Annual Premium payable
yearly (Rs.)
56 6.75
57 7.29
58 7.85
59 8.44
60 9.09
61 9.79
62 10.56
63 11.40
64 12.34
65 13.37
Please note : The rates are exclusive of service tax
Life Insurance Chart premium14
Track record
Pedigree of more than
45 Years
Portfolio quality
Focus on high quality papers
Disciplined Investment
Process driven portfolio
management approach catering
to homogenous category of
investors
Low cost Insurance coverage
UTI ULIP – A right fit15
Minimum ` 15,000/- and Maximum of` 15 lakhs. The maximum targetamount of `15 Lakhs is the combined
target amount available for thedeclining term insurance and fixedterm insurance cover together.
Mr. Amandeep S. Chopra
(Debt portfolio) – B.S.c. MBA [FMS
Delhi]
Mr. Ajay Tyagi (Equity portfolio) -
CFA, MFC
An open end tax saving cum
insurance scheme
Type of scheme
1st October, 1971
Fund Inception
Fund Manager Crisil Debt Hybrid (60:40)
Benchmark
Target Amount#
Investment Objective
Primarily to provide return through growth in the NAV or through dividend distribution and reinvestment thereof
Asset Allocation
UTI Unit Linked Insurance Plan – Fund Snapshot16
#The chosen target amount is required to be contributed in yearly or half-yearly installments or through Systematic Investment plan over 10/15 years as indicated at the time of entry.
Refer Scheme Information Document for more details
Instruments
Indicative Allocation (% of Total Assets) Risk Profile
Minimum Maximum
Debt 60% 100%Low to
Medium
Equity 0% 40%Medium to
High
Plans /Options available
Existing plan & Direct Plan , both the plans offer 10 year plan or 15 year plan
Option of Declining Term Insurance Cover and Fixed Term Insurance Cover
Eligible Investors
Open for investment to resident individuals as well as NRIs including investment in the name of the spouse/ child. Age of entry
a) The 10 year plan – between the age of 12 and 55 and half years
b) The 15 year plan – between the age of 12 an 50 and half years
Life Insurance Cover
Declining Term Cover
Fixed Term Cover
* Please refer Scheme Information Document for further details
Personal Accident Insurance Cover
Up to 50,000/- irrespective of the target amount chosen or the number of investments made in the scheme* - Please refer SID for further details .
Load StructureEntry Load : Nil
Exit Load : 2% if withdrawn prematurely, On maturity - Nil
Special Products
Systematic Investment Plan/Micro SIP – Monthly SIP, Quarterly SIP
Systematic Transfer Investment Plan – Available
Systematic Withdrawal Plan – Available (w.e.f Nov 2016). The facility is available on or after maturity of plan
* Refer Scheme Information Document for further details
UTI Unit Linked Insurance Plan – Fund Snapshot17
Investment Strategy – Equity
1
2
3
4
5
Portfolio construction driven by the three tenets of Quality, Valuation andgrowth
Long term orientation and hence a very low portfolio turnover ratio
Portfolio shall have a mix of large caps and midcaps
Stock selection is predominantly a bottom up process with preference toindustries that have secular and stable growth prospects
Significant importance given to the Return on capital, free cash flowgeneration ability and the size of the future business opportunity
18
Investment Strategy – Fixed income
1
2
3
Portfolio management based on interest rate outlook, credit quality,liquidity and broad debt market environment
To maintain a stable long term debt portfolio with tactical allocations to G-Secdepending on the in-house view of the fixed income team
Focus on minimizing credit risk
19
Fund Size:
Monthly Avg. AuM : ` 3813.22 Crores
Last Day AuM : ` 3815.44 Crores
No. of Unit Folios : 2,85,462
Fund Snapshot
Investment Stylebox
Beta : 0.05
SD(Annual) : 4.85%
PTR (Annual) : 1.28
Sharpe Ratio : 1.03
Quantitative Indicators*
71
No. of Stocks
28.22% / 44.16%
Top 5 / Top 10 Stocks
83.18% / 96.95%
Top 5 / Top 10 Sectors
Avg. AuM – Average Asset under Management, SD – Standard Deviation, PTR – Portfolio Turnover Ration. Wtd. Avg. Mcap – Weighted Average Market Capitalisation. . # Cash flow
Tiers (C)- 3 Tiers based on the number of years in which they have generated positive operating cash flows in the previous 5 years (for manufacturing cos). ROCE/implied ROE Tiers (R)
- 3 Tiers based on the previous 5 year average return on capital (for manufacturing cos) & consistency in implied ROE (RoA X Leverage) for financials over 5 years. All data as of June
30, 2017.
Wtd. Avg. MCap : 1,09,694
Active Share* : 68.93%
Portfolio Characteristics
Large
Large & Mid
Mid & Small
Growth Blend Value
Fund facts (Equity Composition)20
57.69%
Outside Benchmark* Based on total assets of the Scheme
* The equity exposure in the scheme is rebased to 100 for calculating Top 5/Top 10 Stocks/Sectors and outside benchmark
*Active Share calculated vis-a-vis NIFTY 50
Portfolio Composition#
ROCE
R1 : 98%
R2 : 0%
R3 : 2%
Operating Cash Flow
C1 : 92%
C2 : 8%
C3 : 0%
Equity Top 20 Holdings
STOCK NAME SECTOR % to NAV Act. Wt %
BAJAJ FINANCE LTD. FINANCIAL SERVICES 2.79 7.09
INDUSIND BANK FINANCIAL SERVICES 2.45 4.17
YES BANK LTD. FINANCIAL SERVICES 2.28 4.29
HDFC BANK LIMITED FINANCIAL SERVICES 2.05 -4.09
INFOSYS LTD. IT 1.54 -1.28
KOTAK MAHINDRA BANK LTD. FINANCIAL SERVICES 1.44 0.43
I.T.C. LTD. CONSUMER GOODS 1.28 -4.39
H D F C LTD. FINANCIAL SERVICES 1.22 -4.03
SHREE CEMENT LTD. CEMENT & CEMENT
PRODUCTS1.21 3.06
MOTHERSON SUMI SYSTEMS LTD. AUTOMOBILE 1.13 2.86
TATA CONSULTANCY SERVICES LTD. IT 1.08 -0.75
CADILA HEALTHCARE LTD. PHARMA 1.05 2.67
MARUTI SUZUKI INDIA LTD. AUTOMOBILE 1.05 0.00
SUN PHARMACEUTICALS INDUSTRIES PHARMA 0.98 0.80
ASTRAL POLY TECHNIK LTD.INDUSTRIAL
MANUFACTURING0.94 2.38
PAGE INDUSTRIES TEXTILES 0.87 2.21
GRUH FINANCE LIMITED FINANCIAL SERVICES 0.84 2.12
MINDTREE LTD. IT 0.78 1.98
INFO-EDGE (INDIA) LTD. IT 0.77 1.94
ECLERX SERVICES LTD. IT 0.74 1.88
Top 10 Unique Stocks(As compared to NIFTY 50 – Sub indices of
Benchmark Crisil Debt Hybrid 60:40 index )
STOCK NAME SECTOR % to NAV
BAJAJ FINANCE LTD. FINANCIAL SERVICES 2.79
SHREE CEMENT LTD.CEMENT & CEMENT
PRODUCTS1.21
MOTHERSON SUMI SYSTEMS LTD. AUTOMOBILE 1.13
CADILA HEALTHCARE LTD. PHARMA 1.05
ASTRAL POLY TECHNIK LTD.INDUSTRIAL
MANUFACTURING0.94
PAGE INDUSTRIES TEXTILES 0.87
GRUH FINANCE LIMITED FINANCIAL SERVICES 0.84
MINDTREE LTD. IT 0.78
INFO-EDGE (INDIA) LTD. IT 0.77
ECLERX SERVICES LTD. IT 0.74
Portfolio above shows Top 20 equity holdings under the scheme, for detailed portfolio visit www.utimf.com
Act. Wt % - Active Weight % (as compared to the Nifty 50 (sub index of Crisil Debt Hybrid 60:40 index). Data as of June 30, 2017.
Portfolio (Equity Composition)21
* The equity exposure in the scheme is rebased to 100 for calculating Active weights
Portfolio Snapshot (Equity)
Top 10 Sectoral Breakdown (in %)As compared to NIFTY 50 – Sub index to Scheme benchmark
Large: 68 | Mid: 28 | Small: 4
Market Capitalisation (% of Equity portion)
Overweight (Top 5) Underweight (Top 5)
Bajaj Finance ltd. Reliance Industries Ltd.
Yes Bank Ltd. ICICI Bank Ltd.
IndusInd Bank Ltd. ITC Ltd.
Shree Cement Ltd. HDFC Bank Ltd.
Motherson Sumi Systems Ltd. HDFC Ltd.
Active Stock positions (as compared to Nifty 50)
Sectoral breakdown shows select sectors & Portfolio above shows Top 10 equity holdings under the scheme, for detailed portfolio visit www.utimf.com
All data as of June 30, 2017. NIFTY 50 is sub index of CRISIL Debt hybrid 60:40 index.
22
* The equity exposure in the scheme is rebased to 100 for calculating Overweight/Underweight & Top 10 Sectors.
0
4
0
2
0
11
5
12
11
35
1
1
2
3
6
10
11
12
14
36
0 5 10 15 20 25 30 35 40
FERTILISERS & PESTICIDES
METALS
TEXTILES
CEMENT & CEMENT PRODUCTS
INDUSTRIAL MANUFACTURING
AUTOMOBILE
PHARMA
IT
CONSUMER GOODS
FINANCIAL SERVICES
Scheme Weightage Nifty 50 Weightage
%
Portfolio Snapshot (Fixed Income)
Portfolio shows select holdings. Portfolio data as on June 30, 2017. Source : Internal
Top 10 Holdings & G - Sec(in %)Credit Profile of Debt (% of debt portion)
Average Maturity : 4.70 years
Modified Duration : 3.26 years
YTM : 8.51 %
Quantitative Indicators
Excluding net current assets
23
40.93
22.5
11.29.64
7.464.59
2.641.04
0
5
10
15
20
25
30
35
40
45 Long Term Debt (Rating) % to NAV
RELIGARE FINVEST LTD. 6.63
IL&FS TRANSPORTATION NETWORKS LTD. 4.67
RELIANCE PORTS & TERMINALS LTD. 4.21
RELIANCE UTILITIES & POWER PVT LTD. 3.44
INDIABULLS HOUSING FINANCE LTD. 3.34
AXIS BANK LTD. 2.91
RURAL ELECTRIFICATION CORPORATION LTD. 2.78
SREI EQUIPMENT FINANCE LTD. 2.63
POWER FINANCE CORPORATION LTD. 2.59
TATA SONS LTD. 1.97
G Sec (SOV)
6.79% GS 26/12/2029 2.62
8.83% GSEC 12/12/2041 1.55
8.33% GOI-09/07/2026 0.71
7.61 GS 2030 09/05/2030 0.55
8.20% GOVT STOCK 24/09/2025 0.42
Portfolio Snippets (Equity Composition)
Major Portfolio Changes (over the previous quarter)
• Dr. Lal Pathlabs Ltd.
• Emami Ltd.
• Info Edge (india) Ltd.
Increase in Allocation(Top 3 Stocks)
Decrease in Allocation(Top 3 Stocks)
• Consumer Goods
• Healthcare Services
• IT
Increase in Allocation(Top 3 Sectors)
Decrease in Allocation(Top 3 Sectors)
• Berger Paints India Ltd.
• Igarashi Motors India Ltd.
• AU Small Finance Bank Ltd.
Stocks Entered(Top 5)
• N.A.
Stocks Exited(Top 5)
• Indusind Bank Ltd.
• HDFC Bank Ltd.
• Bajaj Finance Ltd.
• Financial Services
• Cement & Cement Products
• Automobile
24
All data as of June 30, 2017
Fund Manager Outlook
Post a swift recovery from the demonetisation fears, markets have
carried on the momentum on account of strong global sentiment
and also supportive domestic macro economic variables.
However there is already a lot of hope build into earnings revival
and any disappointment can lead to a correction especially since
the valuations are already above the long term averages
As of date the progress of monsoons appears to be good and this
should certainly help revive rural consumption demand as this
would be the second good monsoon in a row.
Maintaining positions in the consumer sector as most companies in
this sector shall benefit from the roll out of GST as the competition
from the unorganized sector shall find it difficult to operate under
the new taxation regime.
IT and Pharma continue to be the contra calls as both are trading
at below their long term average valuations and have low
earnings expectations despite having strong cash flow profile and
strong balance sheets which can be used for acquisitions
Continuing to focus on quality as that shall lead to the best risk
adjusted return in the longer term
Performance Track Record
Period
Fund Performance Vs Benchmark Growth of ` 10,000/-
NAV (%)
Crisil Debt Hybrid (60:40)
(%)
Crisil 10 year Gilt Index
(%)
NAV (`)
Crisil Debt Hybrid (60:40)
(`)
Crisil 10 year Gilt Index
(`)
1 Year 11.25 11.40 11.69 11,125 11,140 11,169
3 Years 10.15 8.82 11.15 13,368 12,889 13,736
5 Years 11.34 10.72 8.47 17,115 16,644 15,019
Since Inception 10.90 N.A. N.A. 11,39,935 N.A. N.A.
Fund Performance Vs Benchmark (as of 30/06/2017)
Source: MFIE., Internal
The above value is calculated on the basis of the return from regular plan growth option of the scheme. Past performance may or may not be sustained in future. All returns are in CAGR - Compounded Annualized Growth Rate. N.A.
Not Available. Inception of UTI Unit Linked Insurance Plan : Oct 01, 1971 Note: The loads have not been taken into account. Systematic Investment Plan (SIP) returns are worked out assuming investment of Rs.10,000/- every month at
NAV per unit of the scheme as on the first working day for the respective time periods.@:Since inception return for above mentioned schemes is taken for the period December 2004 to June 2017 (Since SIP facility was introduced in
November 2004). For performance of other funds managed by the same Fund Manager, please refer the Slide No. 27 & 28. The current fund manager Mr. Ajay Tyagi (equity portion) is managing the fund since Dec 2014 and fund
manager Mr. Amandeep Chopra (Debt portion) is managing the fund since Dec 2006.
PeriodInvestment Amount (`)
ValueFund (`)
Crisil Debt Hybrid
(75:25) (`)
Yield Fund(%)
Crisil Debt Hybrid
(75:25) (%)
1 Year 1,20,000 1,26,962 1,27,227 11.01 11.44
3 Years 3,60,000 4,16,587 4,12,893 9.73 9.12
5 Years 6,00,000 7,92,397 7,75,507 11.08 10.21
7 Years 8,40,000 12,26,140 11,92,899 10.63 9.86
10 Years 12,00,000 20,88,812 19,63,670 10.69 9.52
Since Inception* 15,10,000 30,99,469 N.A. 10.82 N.A.
Systematic Investment Plan (SIP) Returns (as of 30/06/2017)
25
Cost Effectiveness
- Low expense ratio, generating better return for the portfolio
- Life Insurance Cover at a lower cost*
Creation of Wealth
- Equity allocation helps in earning market related return
- Debt Allocation provides stability to the portfolio
Coverage
- Life insurance cover upto a maximum of 15 lacs
- Personal accident cover upto Rs. 50,000/-
Convenience & Benefits
- Payment of premium for insurance Cover even at the event of non-receipt of contribution
- No medical examination for insurance cover
- Withdrawal Option at a minimum cost
- Convenience in Claim settlement
- Tax benefit under Sec 80 C of IT Act ,1961***
Suitable for:
Investor looking for capital growth over a long period
Investors looking for Life insurance cover or top up their existing cover , tax benefit and growth opportunities
Why Invest in UTI ULIP?26
*Detail on mortality rates mentioned in slide number 14. ***Subject to prevailing tax laws.
Performance details of other schemes managed by the fund manager – Mr. Amandeep S. Chopra
Fund performance as on June 30, 2017
Period
1 Year 3 years 5 yearsFund manager
managing the fund
since Scheme Return
(%)
Benchmark return
(%)
Scheme Return
(%)
Benchmark return
(%)
Scheme Return
(%)
Benchmark return
(%)
UTI Gilt Advantage Fund Ltp 17.53 13.2 13.20 12.68 11.01 10.74 13-Feb-12
UTI Retirement Benefit Pension Fund 14.92 11.4 11.21 8.82 12.27 10.72 14-Dec-06
UTI Dynamic Bond Fund 14.68 11.47 11.17 10.91 10.86 9.58 13-Feb-12
UTI Bond Fund 13.98 11.47 10.90 10.91 9.84 9.58 13-Feb-12
UTI Childrens Career Balanced Plan 13.86 11.4 12.57 8.82 14.09 10.72 14-Dec-06
UTI C.R.T.S. 1981 12.45 10.48 9.97 8.97 11.75 10.15 14-Dec-06
UTI Mis Advantage Plan 11.24 12.07 10.66 10.56 11.59 10.16 30-Jun-04
UTI Monthly Income Scheme 10.99 12.07 9.6 10.6 9.84 10.16 12-Sep-02
UTI Smart Woman Savings Plan 10.88 10.48 10.01 8.97 10.49 10.15 14-Dec-06
UTI Medium Term Fund 10.21 11.47 N.A. N.A. N.A. N.A. 25-Mar-15
UTI GSEC STP 8.18 8.03 8.03 8.76 8.19 8.52 13-Feb-12
UTI Liquid Cash Plan 6.92 6.86 7.91 7.83 8.39 8.26 03-Jul-15
UTI Money Market Fund 6.91 6.86 7.94 7.83 8.44 8.26 03-Jul-15
Assuming that all payouts during the period have been reinvested in the units of the scheme at the immediate ex-div NAV. Past performance may or may not be sustained in future. N.A. - Not Available,*Compounded annualized Growth Rate. Past performance may or may not be sustained in the future. Returns : as on 30/06/2017. N.A. – Not Available. Returns less than or equal to 1 year are absolutereturns. Different plans have different expense structure. The performance details provided herein are of regular plans.
27
Performance details of other schemes managed by the fund manager – Mr. Ajay Tyagi
Fund performance as on June 30, 2017
Period
1 Year 3 years 5 yearsFund manager
managing the fund
since Scheme Return
(%)
Benchmark return
(%)
Scheme Return
(%)
Benchmark return
(%)
Scheme Return
(%)
Benchmark return
(%)
UTI Bluechip Flexicap Fund 14.85 18.08 9.95 9.91 14.87 14.17 01-Dec-15
UTI Equity Fund 13.40 16.88 11.52 8.36 16.55 13.28 13-Jan-16
UTI Mis Advantage Plan 11.24 12.07 10.66 10.56 11.59 10.16 02-Dec-14
UTI Smart Woman Savings Plan 10.88 10.48 10.01 8.97 10.49 10.15 02-Dec-14
Assuming that all payouts during the period have been reinvested in the units of the scheme at the immediate ex-div NAV. Past performance may or may not be sustained in future. N.A. - Not Available,*Compounded annualized Growth Rate. Past performance may or may not be sustained in the future. Returns : as on 30/06/2017. N.A. – Not Available. Returns less than or equal to 1 year are absolutereturns. Different plans have different expense structure. The performance details provided herein are of regular plans.
28
Mutual Fund Investments are subject to market risks, read all scheme related documents carefully
Registered Office: UTI Tower, 'Gn' Block, Bandra Kurla Complex, Bandra (E), Mumbai - 400051. Phone: 022 – 66786666. UTI Asset
Management Company Ltd. (Investment Manager for UTI Mutual Fund) E-mail: [email protected], (CIN-U65991 MH2002GOI137867). For
more information, please contact the nearest UTI Financial Centre or your AMFI/NISM certified UTI Mutual Fund Independent Financial
Advisor (IFA), for a copy of Statement of Additional Information, Scheme Information Document and Key Information Memorandum
cum Application Form
Disclaimers: The information in this document is provided for information purposes only. It does not constitute any offer,
recommendation or solicitation to any person to enter into any transaction or adopt any hedging, trading or investment strategy, nor
does it constitute any prediction of likely future movements in rates or prices or any representation that any such future movements will
not exceed those shown in any illustration. Users of this document should seek advice regarding the appropriateness of investing in any
securities, financial instruments or investment strategies referred to on this document and should understand that statements regarding
future prospects may not be realized. The recipient of this material is solely responsible for any action taken based on this material,
Opinions, projections and estimates are subject to change without notice.
UTI AMC Ltd is not an investment adviser, and is not purporting to provide you with investment, legal or tax advice. UTI AMC Ltd or UTI
Mutual Fund(acting through UTI Trustee Company Pvt. Ltd.) accepts no liability and will not be liable for any loss or damage arising
directly or indirectly (including special, incidental or consequential loss or damage) from your use of this document, howsoever arising,
and including any loss, damage or expense arising from, but not limited to, any effect, error, imperfection, fault, mistake or inaccuracy
with this document, its contents or associated services, or due to any unavailability of the document or any part thereof or any
contents or associated services.