Should I invest in UTI - CRTS 81?

We don't give personal investment advice. UTI - CRTS 81 - Growth Option is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.5%. 5-year CAGR: 10.88%.

UTI

UTI - CRTS 81 - Growth Option

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.00%	-9.99%	+9.99	324 / 1129	Q2
1W	+0.43%	-13.04%	+13.47	90 / 1151	Q1
2W	+0.30%	-13.18%	+13.49	143 / 1149	Q1
1M	+0.88%	-13.26%	+14.14	100 / 1137	Q1
3M	+0.74%	-13.15%	+13.88	313 / 1116	Q2
6M	+2.21%	-15.45%	+17.66	330 / 906	Q2
YTD	+1.58%	-15.77%	+17.35	290 / 952	Q2
1Y	+7.95%	-13.09%	+21.04	195 / 820	Q1
2Y	+11.05%	-12.72%	+23.77	8 / 446	Q1
3Y	+8.66%	-11.01%	+19.67	29 / 385	Q1
4Y	+10.89%	-6.52%	+17.41	4 / 339	Q1
5Y	+10.88%	-7.36%	+18.24	2 / 314	Q1
7Y	+10.85%	+2.53%	+8.32	1 / 234	Q1
10Y	+10.76%	+3.14%	+7.62	1 / 101	Q1
Inception	+11.08%	-13.63%	+24.71	19 / 1199	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2018 YTD	+1.58%	+1.30%	+0.28	34 / 90
2017	+11.72%	+1.63%	+10.09	4 / 137
2016	+9.78%	+3.02%	+6.76	21 / 181
2015	+5.00%	+2.22%	+2.78	83 / 216
2014	+21.41%	+5.51%	+15.90	1 / 240
2013	+7.10%	-1.95%	+9.05	70 / 276
2012	+19.91%	+1.38%	+18.54	2 / 295
2011	+0.06%	-3.16%	+3.23	178 / 317
2010	+13.52%	-5.78%	+19.30	1 / 377
2009	+26.81%	-12.86%	+39.66	3 / 713
2008	-11.21%	-2.02%	-9.18	340 / 380

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+11.60%

127 windows

min -12.8% · max 32.3%

93% positive

3-Year rolling

+11.64%

103 windows

min 7.2% · max 16.6%

100% positive

5-Year rolling

+11.55%

78 windows

min 9.1% · max 14.5%

100% positive

7-Year rolling

+11.58%

54 windows

min 10.0% · max 13.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

3.95%

3-year · annualised

Sharpe ratio

0.54

vs risk-free 6.5%

Sortino ratio

1.14

Downside-only deviation

Max drawdown

-5.52%

Oct 2015 → Feb 2016

% positive months

75.0%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Recent NAVs

Date	NAV
2 May 2018	₹357.7318
27 Apr 2018	₹357.0914
26 Apr 2018	₹356.8163
25 Apr 2018	₹356.1932
24 Apr 2018	₹356.9936
23 Apr 2018	₹356.7011
20 Apr 2018	₹356.1023
19 Apr 2018	₹356.4493
18 Apr 2018	₹356.6514
17 Apr 2018	₹357.0975

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

UTI - CRTS 81 - Growth Option is a Income from UTI (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

UTI - CRTS 81 - Growth Option has NAV history starting from 16 Dec 2006, a track record of about 19 years 5 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

UTI - CRTS 81 - Growth Option is managed by UTI. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - CRTS 81 - Growth Option has delivered a absolute return of 7.95% — +21.04 pp ahead of the Income category average of -13.09%. The fund ranks #195 of 820 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI - CRTS 81 - Growth Option has delivered a CAGR of 8.66% — +19.67 pp ahead of the Income category average of -11.01%. The fund ranks #29 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI - CRTS 81 - Growth Option has delivered a CAGR of 10.88% — +18.24 pp ahead of the Income category average of -7.36%. The fund ranks #2 of 314 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI - CRTS 81 - Growth Option exactly 10 years ago would be worth approximately ₹277,855 today — a multiplier of 2.78×, based on the 10-year CAGR of 10.76%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in UTI - CRTS 81 - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹773,694 today. That's an XIRR (money-weighted annualised return) of 10.11%.

A ₹10,000 monthly SIP for 10 years in UTI - CRTS 81 - Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,130,295 (multiplier 1.78×). XIRR: 11.05%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - CRTS 81 - Growth Option ranks #2 out of 314 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -7.36%; this fund delivered 10.88%.

The worst peak-to-trough decline UTI - CRTS 81 - Growth Option has experienced over the last 5-year window is 5.52% — its NAV fell from a high on 19 Oct 2015 to a low on 25 Feb 2016. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, UTI - CRTS 81 - Growth Option averaged 11.55% (best 14.52%, worst 9.12%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.84 — reasonable risk-adjusted performance.

In calendar year 2017, UTI - CRTS 81 - Growth Option returned 11.72% — beating the Income category average of 1.63% by 10.09 pp. It ranked #4 of 137 in its category that year.

UTI - CRTS 81 - Growth Option is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. UTI - CRTS 81 - Growth Option is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.5%. 5-year CAGR: 10.88%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

UTI - CRTS 81 - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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