Claimed

Unit Trust of India Mutual Fund [UTIMF] Complaints & Reviews

3.2
Last updated Apr 16, 2024
Complaints 1033
Resolved
642
Unresolved
391
Quick Links
Statistics
Share
Contacts

File a complaint to Unit Trust of India Mutual Fund [UTIMF]

Having problems with Unit Trust of India Mutual Fund [UTIMF]?

File a complaint and get it resolved by Unit Trust of India Mutual Fund [UTIMF] customer care. It’s quick effective and absolutely free!

SUBMIT A COMPLAINT
Unit Trust of India Mutual Fund [UTIMF]
Customer Service Contacts

Unit Trust of India Mutual Fund [UTIMF] Phone Numbers

Toll free
1800 221230
130
56
Phone
+91 22 2654 6200
81
56

Unit Trust of India Mutual Fund [UTIMF] Website

Unit Trust of India Mutual Fund [UTIMF] Head Office Address

'GN' Block, Bandra Kurla Complex Bandra (E)
Mumbai
Mumbai City District
Maharashtra
India
400051

Unit Trust of India Mutual Fund [UTIMF] reviews & complaints page 40

Newest
  • Newest
  • Most Helpful
  • Most Popular
  • Resolved
  • Contains Photos or Videos
  • Oldest
J
J.K.DHIR
from Sunam, Punjab
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.
Report
Copy
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.

Unit holder not being advised status of membership

Address:Patiala, Punjab

I am holder of 150 units of Unit Trust of India -Rajlakshmi Unit Plan (II) [RUP(II)] SINCE 21.04.1995 and these are falling due on 21.04.2015, but I have never been apprised of status of the captioned units and their current value
. Company may be directed to intimate me the required information at the under noted address


KSHOMA care of

J.K.DHIR

137 GULMOHAR COMPLEX
SEC-125...
Helpful
Be the first one to find this review helpful
Found this helpful?
Write a comment
Report
Copy
J
jagdishkumar kumar
from Bengaluru, Karnataka
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.
Report
Copy
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.

pan card

Address:Bangalore, Karnataka

i have applied pan card on[protected] with all the documents recquired nd still i have not recived pan card which still shows an online status of pan acknld.. invalid even not only mine many ackldg.. number behind mine is showing same so pls verify my application nor[protected] if i am unsatisfied with any documentation pls contact [protected] pls find the way to get as fast as possible plssssssss...
+1 photos
Helpful
Be the first one to find this review helpful
Found this helpful?
Write a comment
Report
Copy
K
karuna prasad
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.
Report
Copy
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.

Bond not yet received

Address:Hyderabad, Andhra Pradesh

Hi sir /madam,

Folino no :[protected] bond not yet received and also account statements plz send my following address sir.

Plz change my present address as follows :


Kolla srihans

Rep by u/g : kolla radhakrishna

House no : g-5,
Str resedency,
Maa villas street,
Kowsalya kolony,
Near volvo bus service,
Ranga reddy distic,...
+1 photos
Helpful
Be the first one to find this review helpful
Found this helpful?
Write a comment
Report
Copy
S
saatbik
from Etawa, Madhya Pradesh
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.
Report
Copy
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.

i get return of my cggf scheme

Address:Bareilly, Uttar Pradesh

Sir/madam This has reference to UTI CGGF 1986. I purchased 200 units in 1994 in my son's name. I haven't received any information from the company since last 20 years. Kindly let me know the status of this scheme and how does I cash it. Unit certificate no. [protected]. Abha Agarwal D-57 Indra Nagar Bareilly...
Helpful
Be the first one to find this review helpful
Found this helpful?
Write a comment
Report
Copy
A
ananda gopal ghosh
from Delhi, Delhi
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.
Report
Copy
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.

Please let me know the refund amount & procedure for the following immediately

Address:Nadia, West Bengal

I Shri Ananda Gopal Ghosh Purchased UTI Mastergain 92 Units (1000 Unit) in 1992, Purchase 3rd party, But not add my own name. How to prosodies to certificate my name and now I want to get refund of the same.
Please let me know the refund amount & procedure for the following immediately. I am having this units in Physical form.

I request your support on this.


Name of Holder: Ananda Gopal Ghoshbr...
Helpful
Be the first one to find this review helpful
Found this helpful?
Write a comment
Report
Copy
S
sandeep v Talavdekar
from Mumbai, Maharashtra
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.
Report
Copy
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.

current status / statement of account

Address:Mumbai City, Maharashtra

Dear Sir, I have an investment under unit certificate no.[protected] dt. 31/03/1999 for 662.252 units. I could not find statement of account for units in this certificate. I want to liquidate the investment, how ? Advice procedure. Please sent st.of account through e mail., id is [protected]@yahoo.co.in Thanks. Sandeep V talavdekar,...
Helpful
Be the first one to find this review helpful
Found this helpful?
Write a comment
Report
Copy
V
viswan098
from Perumbavoor, Kerala
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.
Report
Copy
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.

Rajlakshmi Unit Plan (II) (RUP (II)) (Clause XI)

Address:Thrissur, Kerala

Dear Sir, My father had invested on Rajlakshmi unit plan from UTI dated on on 28/09/1994 and the Maturity date was 28/09/2013 . But still we are not getting an update from UTI when this plan will close and get the amount back. Now in some of the blogs we are seeing this plan no more exists . How can we get the money back .Membership No. R[protected] [protected]@rediff.com...
Helpful
Be the first one to find this review helpful
Found this helpful?
2 Comments
Report
Copy
K
kamleshk
from Haridwar, Uttarakhand
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.
Report
Copy
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.

non payment of funds after maturity

Address:Nainital, Uttarakhand

For the UTI certificate no. [protected] Holder an illitrate man is wondering and is cursing himself as why did he made an investment in such a company, which has not given a reply for his letters and not made payment after the maturity even passing of three years then....
Helpful
Be the first one to find this review helpful
Found this helpful?
Write a comment
Report
Copy
R
rajendra57
from Ahmedabad, Gujarat
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.
Report
Copy
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.

Not providing password for online yly premium payments

Address:Bhopal, Madhya Pradesh

Pls refer your letter no. 14756/GEN/UTI/47731786 dated 22/03/2014 regarding up dation of PAN details.
MY Folio no. [protected] fvg Rajendra Wasnik a/c ULIP.I had sent you a letter requesting for providing "Password" for online yearly payments in above scheme. But it is really horrible to find out that you "Genious guys" read it as for updation of PAN details.I can imagine what type of services you can provide to...
Helpful
Be the first one to find this review helpful
Found this helpful?
Write a comment
Report
Copy
R
Rahul Papneja
from Mumbai, Maharashtra
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.
Report
Copy
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.

have not received the cheque

Address:New Delhi, Delhi

Sir,
I had brought this Unit trust of India Rajlaxmi Unit plan (II) [RUP (II)](CLAUSE XI), Membership No. [protected] dated 4/09/1994, in the name of my daughter BHANU PAPNEJA date of maturity being 24/09/2013. till date I have not received any status about this .I have heard that this scheme does not exist any more. so kindly advice what should I do to get my invested money back. Please revert me back on my email id.
br...
Helpful
Be the first one to find this review helpful
Found this helpful?
Write a comment
Report
Copy
V
Vineet Ranawat
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.
Report
Copy
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.

Nothing, but problems

Address:Jaipur, Rajasthan

Dear Sir,

Request your kind attention on the status of Membership No [protected] in name of my daughter Aashika Singh, deposited in scheme CCCF - 1993 o[censored]TI.

There has not been any communication since several years and we wonder i[censored]TI recognizes us or should we consider our money has been completely devoured.

Awaiting your kind response.

Thank you and kind regards
br...
Helpful
Be the first one to find this review helpful
Found this helpful?
Write a comment
Report
Copy
G
Gauerav Mota
from Mumbai, Maharashtra
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.
Report
Copy
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.

Unpaid Dividend

Address:Mumbai City, Maharashtra

UTI Mutual Fund - Subject: Unpaid dividend/Folio No. [protected], Warrnt No. 81090456 year 2006 Amount-Rs.1000/- Dear Sir, Hi Navin Keshavji Mota here, this letter dt. 08.04.2014 is regarding non receipt of the above mentioned warrant by me as per your records In this connection, I have already informed you but from last 6 months the same was in process and now your department is saying that my amount is cancelled in the records because...
Helpful
1 other people found this review helpful
1 found this helpful
Write a comment
Report
Copy
D
divyanmk
from Delhi, Delhi
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.
Report
Copy
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.

Matured UTI Children gift growth found unit scheme

Address:Chittoor, Andhra Pradesh

Dear Sir/ Madam,

I am Munikannaih, I have taken a Children Gift Growth Plan in 31-Mar-1994. My Plan certificate No is[protected] dated 31-Mar-1994. Mature date is 19-Apr-2014. I have consult your customer care person today to know about how to redeem my Children Gift growth plan. They said this plan was terminated, not given proper contact address. Kindly suggest me how to get my money from UTI?

Thanks &...
Helpful
Be the first one to find this review helpful
Found this helpful?
Write a comment
Report
Copy
V
Vinumon R
from Thiruvananthapuram, Kerala
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.
Report
Copy
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.

Issue of Double PAN Cards

Address:Thiruvananthapuram, Kerala

Sir, I am have been issued with a PAN card bearing No.AAPPU6898P earlier. i lost the same and applied for a duplicate and it was forwarded to me with the same PAN No. I was so unlucky that the duplicate also missed by me. No I have applied for the tripplicate of the same and i got the same on 12 Dec 2013 with the same number AAPPU6898P. but while checking the detatils of the PAN card I hold with me, to my surprise it was found that I was...
Helpful
Be the first one to find this review helpful
Found this helpful?
Write a comment
Report
Copy
P
ponduri
from Hyderabad, Telangana
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.
Report
Copy
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.

Certificates purchased under CGGFT-1986 - status

Address:Hyderabad, Andhra Pradesh

I have purchased Certificates under CGGFT-1986 scheme in the name of my daughter PONDURI PALLAVI on 17/11/1994 ( Cert. No.[protected]); & on 19/12/1995 ( Cert no.[protected]) both of them matures on 17/12/2014. As I am working in a Bank and moving from place to place for every 3 years, I have lost the track of them. Now, I request you to kindly let me know the status of those certificates and what shall I have to do to get...
Helpful
Be the first one to find this review helpful
Found this helpful?
Write a comment
Report
Copy
S
sumitranjan4u
from Kolkata, West Bengal
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.
Report
Copy
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.

redemption of mep 92

Address:Kolkata, West Bengal

my father had purchased 2000 shares of mep 92 scheme o[censored]TI in 1987, unit certificate no. FE7223915. Despite contacting customer care time and again, have not been getting any help from their side. Pls advise the procedure for redemption of this lot. I do not have the full documents wrt to this investment with me. Would like to know how to approach and get some headway with this....
Helpful
Be the first one to find this review helpful
Found this helpful?
Write a comment
Report
Copy
S
sulochana prathapsingh
from Bengaluru, Karnataka
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.
Report
Copy
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.

closing of account

Address:Madurai, Tamil Nadu

I had purchased 100 units under the children's Growth fund scheme 1986 form Unit Trus of India in the name of my son P.Samuel Abhishek on 17th August 1993. Now that the bond is matured I would like the amount to be credited to my son. When I contacted the local office in Madurai Tamilnadu they said that I have to courier the original document to the Bombay office. My only apprehension is that if the original document gets misplaced I...
Helpful
Be the first one to find this review helpful
Found this helpful?
Write a comment
Report
Copy
P
pjrajkmr0913
from Jaipur, Rajasthan
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.
Report
Copy
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.

Not receiving the redemption of Rajlakshmi Unit Scheme 1992

Redemption of RAJLAKSHMI UNIT SCHEME-Unit certificate number: R[protected] OR R[protected] I had purchased a RUS unit of 100 in the name of my Daughter LAJWANTI on 29th October, 1992 from UNIT TRUST OF INDIA and it is matured for a long period but till date we have not received any redemption letter from UTI ; I personally taken all the original documents to the JAIPUR UTI Branch for collecting the redemption amount with the incentive as...
Helpful
Be the first one to find this review helpful
Found this helpful?
Write a comment
Report
Copy
J
jpdmishra
from Vidisha, Madhya Pradesh
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.
Report
Copy
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.

redemption of mep-93

Address:Bhopal, Madhya Pradesh

i am jwala prasad mishra and had purchased 400 units of MEP-93. folio no.[protected] .I have deposited all original certificates along with all necessary papers which were asked but more than four month and there is no any action at yet. Please do the needful for redemption of my certificates....
Helpful
Be the first one to find this review helpful
Found this helpful?
1 Comment
Report
Copy
B
B. Sridhar
from Mumbai, Maharashtra
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.
Report
Copy
Resolved
The complaint is marked as resolved when a company has responded to the complainant, addressed his or her dissatisfaction, and came to an agreement where both parties agreed that the complaint is indeed resolved. However, a complaint can be automatically marked as resolved if a complainant isn't responding or updating a complaint for 30 days after the company has tried to reach the complainant.

the maturity amount claimed by some one

Address:1-1-63, Habsiguda, Hyderabad 5000 07, Hyderabad, Andhra Pradesh

Sir, My brother gifted my son while he was born a UTI Children's Growth Fund Unit Scheme 1986 certificate for 50 Shares valued Rs. 500/- and the certificate No. is[protected] purchased at Hyderabad on[protected]. When I approched the concerned branch I was told that this certificate was encashed before maturity time by someone else. I am holding the original certificate no other person known about it, how some one can encash the...
Helpful
Be the first one to find this review helpful
Found this helpful?
3 Comments
Report
Copy