Should I invest in UTI - G-Sec Fund-STP Growth?

We don't give personal investment advice. UTI - G-Sec Fund-STP Growth 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: 0.0%. 5-year CAGR: 5.55%.

UTI

UTI - G-Sec Fund-STP Growth

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 3 May 2018. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹3,681.6914

As of

10 Jun 2026

5,405 NAV records on file

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	+0.01%	+0.00%	+0.01	17 / 63	Q2
1W	+0.10%	+0.05%	+0.04	22 / 63	Q2
2W	+0.20%	+0.11%	+0.08	24 / 59	Q2
1M	+0.42%	+0.21%	+0.21	19 / 59	Q2
3M	+1.28%	+0.64%	+0.64	17 / 59	Q2
6M	+2.55%	+0.97%	+1.58	17 / 59	Q2
YTD	+2.21%	+0.91%	+1.31	18 / 59	Q2
1Y	+5.29%	+2.53%	+2.76	18 / 54	Q2
2Y	+5.86%	+2.46%	+3.40	15 / 54	Q2
3Y	+6.16%	+2.75%	+3.40	18 / 51	Q2
4Y	+6.10%	+2.86%	+3.24	14 / 47	Q2
5Y	+5.55%	+1.94%	+3.60	1 / 14	Q1
7Y	+5.04%	+1.68%	+3.36	1 / 14	Q1
10Y	+5.48%	+3.81%	+1.67	1 / 6	Q1
Inception	+6.13%	+2.32%	+3.81	4 / 63	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
2026 YTD	+2.21%	+0.82%	+1.39	16 / 53
2025	+5.75%	+2.88%	+2.87	13 / 48
2024	+6.65%	+3.20%	+3.45	13 / 48
2023	+6.62%	+3.32%	+3.31	15 / 48
2022	+4.63%	+2.11%	+2.52	9 / 45
2021	+3.12%	+0.76%	+2.36	1 / 19
2020	+3.34%	+0.70%	+2.65	1 / 17
2019	+5.61%	+1.77%	+3.84	1 / 11
2018	+5.83%	+3.49%	+2.34	3 / 6
2017	+4.85%	+2.68%	+2.17	3 / 6
2016	+8.88%	+4.33%	+4.55	1 / 6

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

+6.16%

234 windows

min -0.8% · max 9.3%

100% positive

3-Year rolling

+6.15%

210 windows

min 3.6% · max 9.0%

100% positive

5-Year rolling

+6.21%

186 windows

min 4.4% · max 8.8%

100% positive

7-Year rolling

+6.37%

161 windows

min 4.8% · max 8.0%

100% positive

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

0.19%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.00%

Peak to trough

% positive months

100.0%

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.

Peers in Overnight Fund

Scheme	Fund house	NAV	As of
HDFC Cash Management Fund - Call Plan-Daily Dividend Plan	HDFC	₹1,042.6600	10 Jun 2026
NIPPON INDIA OVERNIGHT FUND - DAILY IDCW Option	Nippon India	₹100.0050	10 Jun 2026
SBI Magnum Insta Cash Fund - Liquid Floater Plan - Dividend	SBI	₹1,395.3019	10 Jun 2026
ICICI Prudential Overnight Fund - Daily IDCW	ICICI Prudential	₹1,000.0050	10 Jun 2026
quant Overnight Fund - Unclaimed IDCW Greater than 3 years	Quant	₹10.0000	10 Jun 2026
Franklin India Overnight Fund - Daily Dividend Plan - Daily - IDCW	Franklin India	₹1,000.0001	10 Jun 2026
Edelweiss Overnight Fund - Unclaimed IDCW Plan - Above 3 years	Edelweiss	₹1,000.0000	10 Jun 2026
HSBC Overnight Fund - Unclaimed IDCW Above three years	HSBC	₹1,000.0000	10 Jun 2026
Baroda BNP Paribas Overnight Fund - Plan C - Unclaimed IDCW - Greater than 3 years	Baroda BNP Paribas	₹1,000.0000	10 Jun 2026
UTI - G-Sec Fund-STP Income	UTI	₹1,896.6793	10 Jun 2026

Recent NAVs

Date	NAV
10 Jun 2026	₹3,681.6914
9 Jun 2026	₹3,681.1848
8 Jun 2026	₹3,680.6726
7 Jun 2026	₹3,680.1631
5 Jun 2026	₹3,679.1381
4 Jun 2026	₹3,678.6308
3 Jun 2026	₹3,678.1276
2 Jun 2026	₹3,677.6204
1 Jun 2026	₹3,677.1087
31 May 2026	₹3,676.6027

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.

As of 10 Jun 2026, the NAV of UTI - G-Sec Fund-STP Growth is ₹3,681.6914. It's a Overnight Fund from UTI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI - G-Sec Fund-STP Growth 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-STP Growth is managed by UTI. It's classified by AMFI under the 'Overnight Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - G-Sec Fund-STP Growth has delivered a absolute return of 5.29% — +2.76 pp ahead of the Overnight Fund category average of 2.53%. The fund ranks #18 of 54 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI - G-Sec Fund-STP Growth has delivered a CAGR of 6.16% — +3.4 pp ahead of the Overnight Fund category average of 2.75%. The fund ranks #18 of 51 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI - G-Sec Fund-STP Growth has delivered a CAGR of 5.55% — +3.6 pp ahead of the Overnight Fund category average of 1.94%. The fund ranks #1 of 14 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI - G-Sec Fund-STP Growth exactly 10 years ago would be worth approximately ₹170,560 today — a multiplier of 1.71×, based on the 10-year CAGR of 5.48%. The category average over the same window would have grown ₹1 lakh to ₹145,370.

A ₹10,000 monthly SIP in UTI - G-Sec Fund-STP Growth over the last 5 years — total invested ₹600,000 — would be worth ₹696,725 today. That's an XIRR (money-weighted annualised return) of 5.91%.

A ₹10,000 monthly SIP for 10 years in UTI - G-Sec Fund-STP Growth = ₹1,200,000 invested. It would currently be worth ₹1,577,864 (multiplier 1.31×). XIRR: 5.34%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - G-Sec Fund-STP Growth ranks #1 out of 14 funds in the Overnight Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 1.94%; this fund delivered 5.55%.

The worst peak-to-trough decline UTI - G-Sec Fund-STP Growth has experienced over the last 5-year window is 0.00%. 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-STP Growth averaged 6.21% (best 8.77%, worst 4.35%). 100% of rolling windows ended positive.

In calendar year 2025, UTI - G-Sec Fund-STP Growth returned 5.75% — beating the Overnight Fund category average of 2.88% by 2.87 pp. It ranked #13 of 48 in its category that year.

UTI - G-Sec Fund-STP Growth 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-STP Growth 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: 0.0%. 5-year CAGR: 5.55%.

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

UTI - G-Sec Fund-STP Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Overnight Fund

Recent NAVs

Frequently asked questions

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