Should I invest in UTI - GILT ADVANTAGE-LONG TERM?

We don't give personal investment advice. UTI - GILT ADVANTAGE-LONG TERM-DIVIDEND 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: 3.3%. 5-year CAGR: 4.84%.

UTI

UTI - GILT ADVANTAGE-LONG TERM-DIVIDEND

Latest NAV

₹39.0341

As of

10 Jun 2026

4,880 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	+0.17%	+0.22%	-0.05	28 / 50	Q3
1W	+0.45%	+0.63%	-0.17	34 / 50	Q3
2W	+0.49%	+0.64%	-0.14	32 / 50	Q3
1M	+0.51%	+0.79%	-0.28	33 / 50	Q3
3M	+0.58%	+0.50%	+0.08	12 / 49	Q1
6M	+2.24%	+1.45%	+0.78	17 / 48	Q2
YTD	+1.94%	+1.04%	+0.90	8 / 48	Q1
1Y	+2.62%	+1.30%	+1.33	17 / 48	Q2
2Y	+5.20%	+4.16%	+1.04	27 / 47	Q3
3Y	+5.31%	+4.63%	+0.69	26 / 46	Q3
4Y	+5.84%	+4.89%	+0.95	23 / 44	Q3
5Y	+4.84%	+3.81%	+1.04	22 / 42	Q3
7Y	+5.94%	+4.53%	+1.41	18 / 42	Q2
10Y	+6.99%	+4.88%	+2.10	12 / 42	Q2
Inception	+6.75%	+5.11%	+1.64	23 / 50	Q2

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	+1.94%	+0.85%	+1.09	7 / 35
2025	+3.85%	+3.16%	+0.69	21 / 37
2024	+7.51%	+7.11%	+0.39	26 / 37
2023	+6.53%	+5.56%	+0.97	23 / 37
2022	+2.95%	+1.37%	+1.58	7 / 37
2021	+2.23%	+1.03%	+1.20	13 / 37
2020	+10.08%	+8.25%	+1.83	21 / 37
2019	+12.06%	+8.56%	+3.51	8 / 37
2018	+6.23%	+3.47%	+2.76	12 / 47
2017	+3.02%	+0.07%	+2.95	12 / 47
2016	+15.34%	+11.27%	+4.07	14 / 46

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

+6.96%

234 windows

min -13.0% · max 22.8%

95% positive

3-Year rolling

+7.30%

210 windows

min -0.1% · max 14.1%

100% positive

5-Year rolling

+7.59%

186 windows

min 3.0% · max 11.7%

100% positive

7-Year rolling

+7.96%

161 windows

min 5.0% · max 10.6%

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

2.08%

3-year · annualised

Sharpe ratio

-0.62

vs risk-free 6.5%

Sortino ratio

-1.25

Downside-only deviation

Max drawdown

-3.30%

May 2025 → Aug 2025

% positive months

77.8%

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 Gilt Fund

Scheme	Fund house	NAV	As of
HDFC Gilt Fund-Long Term-Dividend	HDFC	₹12.1647	10 Jun 2026
SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option	SBI	₹20.8558	10 Jun 2026
ICICI Prudential Gilt Fund-Investment-Dividend	ICICI Prudential	₹17.3476	10 Jun 2026
Templeton India Govt.Sec. Fund-Long Term Plan - Dividend	Franklin Templeton	₹10.6583	10 Jun 2026
Kotak Gilt-Investment Provident Fund and Trust-Dividend	Kotak Mahindra	₹11.7376	10 Jun 2026
DSP BlackRock Government Securities Fund - Dividend	DSP BlackRock	₹12.5209	10 Jun 2026
BARODA PIONEER GILT FUND-Dividend Plan	Baroda Pioneer	₹25.6849	10 Jun 2026
Canara Robeco Gilt PGS-Growth Plan	Canara Robeco	₹75.9908	10 Jun 2026
UTI - GILT ADVANTAGE-LONG TERM PF-DIVIDEND	UTI	₹26.6463	10 Jun 2026
PGIM India Gilt Fund - Quarterly Dividend	PGIM India	₹13.3293	10 Jun 2026

Recent NAVs

Date	NAV
10 Jun 2026	₹39.0341
9 Jun 2026	₹39.0487
8 Jun 2026	₹38.9829
5 Jun 2026	₹38.9508
4 Jun 2026	₹38.8892
3 Jun 2026	₹38.8682
2 Jun 2026	₹38.8727
1 Jun 2026	₹38.8694
29 May 2026	₹38.8628
27 May 2026	₹38.8482

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 - GILT ADVANTAGE-LONG TERM-DIVIDEND is ₹39.0341. It's a Gilt Fund from UTI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI - GILT ADVANTAGE-LONG TERM-DIVIDEND 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 - GILT ADVANTAGE-LONG TERM-DIVIDEND is managed by UTI. It's classified by AMFI under the 'Gilt Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - GILT ADVANTAGE-LONG TERM-DIVIDEND has delivered a absolute return of 2.62% — +1.33 pp ahead of the Gilt Fund category average of 1.30%. The fund ranks #17 of 48 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI - GILT ADVANTAGE-LONG TERM-DIVIDEND has delivered a CAGR of 5.31% — +0.69 pp ahead of the Gilt Fund category average of 4.63%. The fund ranks #26 of 46 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI - GILT ADVANTAGE-LONG TERM-DIVIDEND has delivered a CAGR of 4.84% — +1.04 pp ahead of the Gilt Fund category average of 3.81%. The fund ranks #22 of 42 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI - GILT ADVANTAGE-LONG TERM-DIVIDEND exactly 10 years ago would be worth approximately ₹196,484 today — a multiplier of 1.96×, based on the 10-year CAGR of 6.99%. The category average over the same window would have grown ₹1 lakh to ₹161,080.

A ₹10,000 monthly SIP in UTI - GILT ADVANTAGE-LONG TERM-DIVIDEND over the last 5 years — total invested ₹600,000 — would be worth ₹684,024 today. That's an XIRR (money-weighted annualised return) of 5.18%.

A ₹10,000 monthly SIP for 10 years in UTI - GILT ADVANTAGE-LONG TERM-DIVIDEND = ₹1,200,000 invested. It would currently be worth ₹1,612,619 (multiplier 1.34×). XIRR: 5.76%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - GILT ADVANTAGE-LONG TERM-DIVIDEND ranks #22 out of 42 funds in the Gilt Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.81%; this fund delivered 4.84%.

The worst peak-to-trough decline UTI - GILT ADVANTAGE-LONG TERM-DIVIDEND has experienced over the last 5-year window is 3.30% — its NAV fell from a high on 28 May 2025 to a low on 26 Aug 2025. 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 - GILT ADVANTAGE-LONG TERM-DIVIDEND averaged 7.59% (best 11.68%, worst 3.03%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.88 — negative risk-adjusted performance.

In calendar year 2025, UTI - GILT ADVANTAGE-LONG TERM-DIVIDEND returned 3.85% — beating the Gilt Fund category average of 3.16% by 0.69 pp. It ranked #21 of 37 in its category that year.

UTI - GILT ADVANTAGE-LONG TERM-DIVIDEND 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 - GILT ADVANTAGE-LONG TERM-DIVIDEND 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: 3.3%. 5-year CAGR: 4.84%.

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

UTI - GILT ADVANTAGE-LONG TERM-DIVIDEND

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Gilt Fund

Recent NAVs

Frequently asked questions

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