Should I invest in UTI - G-Sec Fund-Income?

We don't give personal investment advice. UTI - G-Sec Fund-Income 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: 21.2%. 5-year CAGR: 0.83%.

UTI

UTI - G-Sec Fund-Income

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	-0.10%	+0.01%	-0.10	59 / 67	Q4
1W	+0.45%	-10.06%	+10.51	12 / 69	Q1
2W	+0.71%	-9.67%	+10.39	10 / 73	Q1
1M	+0.47%	-9.89%	+10.36	23 / 72	Q2
3M	+0.38%	-12.90%	+13.28	35 / 76	Q2
6M	+1.58%	-12.24%	+13.83	37 / 76	Q2
YTD	+2.28%	-12.22%	+14.50	26 / 75	Q2
1Y	+0.71%	-10.28%	+10.99	45 / 75	Q3
2Y	+2.21%	-12.45%	+14.66	37 / 71	Q3
3Y	+2.06%	-16.88%	+18.94	37 / 70	Q3
4Y	+1.64%	-23.11%	+24.75	31 / 65	Q2
5Y	+0.83%	-27.10%	+27.93	29 / 60	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.26%	-18.29%	+19.56	48 / 85	Q3

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
2012 YTD	+2.28%	+5.57%	-3.29	42 / 55
2011	+0.77%	+2.07%	-1.29	47 / 59
2010	+1.61%	+0.75%	+0.86	46 / 68
2009	-14.63%	-6.22%	-8.41	58 / 65
2008	+18.36%	+7.61%	+10.75	22 / 63
2007	+2.06%	+1.73%	+0.34	36 / 53
2006	—	—	—	—

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

+1.13%

67 windows

min -11.4% · max 16.7%

79% positive

3-Year rolling

+0.59%

42 windows

min -4.8% · max 2.2%

81% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+0.98%

18 windows

min 0.7% · max 1.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

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

2.23%

3-year · annualised

Sharpe ratio

-1.99

vs risk-free 6.5%

Sortino ratio

-3.15

Downside-only deviation

Max drawdown

-3.76%

Aug 2011 → Nov 2011

% positive months

66.7%

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
30 Aug 2012	₹11.1297
29 Aug 2012	₹11.1404
28 Aug 2012	₹11.1374
27 Aug 2012	₹11.1040
24 Aug 2012	₹11.0912
23 Aug 2012	₹11.0802
22 Aug 2012	₹11.0837
21 Aug 2012	₹11.0690
17 Aug 2012	₹11.0691
16 Aug 2012	₹11.0508

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 - G-Sec Fund-Income is a Gilt 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 - G-Sec Fund-Income has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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 - G-Sec Fund-Income is managed by UTI. It's classified by AMFI under the 'Gilt' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - G-Sec Fund-Income has delivered a absolute return of 0.71% — +10.99 pp ahead of the Gilt category average of -10.28%. The fund ranks #45 of 75 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI - G-Sec Fund-Income has delivered a CAGR of 2.06% — +18.94 pp ahead of the Gilt category average of -16.88%. The fund ranks #37 of 70 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI - G-Sec Fund-Income has delivered a CAGR of 0.83% — +27.93 pp ahead of the Gilt category average of -27.10%. The fund ranks #29 of 60 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI - G-Sec Fund-Income exactly 5 years ago would be worth approximately ₹104,219 today — a multiplier of 1.04×, based on the 5-year CAGR of 0.83%. The category average over the same window would have grown ₹1 lakh to ₹20,585.

A ₹10,000 monthly SIP in UTI - G-Sec Fund-Income over the last 5 years — total invested ₹600,000 — would be worth ₹620,722 today. That's an XIRR (money-weighted annualised return) of 1.34%.

UTI - G-Sec Fund-Income doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹620,722 — XIRR 1.34%.

On a 5-year basis, UTI - G-Sec Fund-Income ranks #29 out of 60 funds in the Gilt category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -27.10%; this fund delivered 0.83%.

The worst peak-to-trough decline UTI - G-Sec Fund-Income has experienced over the last 5-year window is 21.23% — its NAV fell from a high on 31 Dec 2008 to a low on 28 Aug 2009. 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 - G-Sec Fund-Income averaged 0.98% (best 1.25%, worst 0.66%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.61 — negative risk-adjusted performance.

In calendar year 2011, UTI - G-Sec Fund-Income returned 0.77% — lagging the Gilt category average of 2.07% by 1.29 pp. It ranked #47 of 59 in its category that year.

UTI - G-Sec Fund-Income 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 - G-Sec Fund-Income 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: 21.2%. 5-year CAGR: 0.83%.

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