UTI

UTI - GILT ADVANTAGE-LONG TERM PF-( PRESCRIBED APPRECIATION AUTO REDEMPTION

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	57 / 67	Q4
1W	-0.11%	-10.06%	+9.94	54 / 69	Q4
2W	+0.20%	-9.67%	+9.87	29 / 73	Q2
1M	+1.21%	-9.89%	+11.09	3 / 72	Q1
3M	+1.94%	-12.90%	+14.84	6 / 76	Q1
6M	+2.51%	-12.24%	+14.75	29 / 76	Q2
YTD	-0.14%	-12.22%	+12.08	45 / 75	Q3
1Y	+4.71%	-10.28%	+14.99	30 / 75	Q2
2Y	-3.47%	-12.45%	+8.98	56 / 71	Q4
3Y	+6.93%	-16.88%	+23.81	21 / 70	Q2
4Y	+6.78%	-23.11%	+29.89	17 / 65	Q2
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.82%	-18.29%	+25.11	14 / 85	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
2011 YTD	-0.14%	+2.07%	-2.20	50 / 59
2010	+4.59%	+0.75%	+3.84	9 / 68
2009	-11.60%	-6.22%	-5.38	51 / 65
2008	+32.76%	+7.61%	+25.15	3 / 63
2007	+5.56%	+1.73%	+3.83	26 / 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

+7.49%

46 windows

min -6.0% · max 29.3%

93% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+7.93%

22 windows

min 6.9% · max 8.9%

100% positive

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

5-Year rolling

—

Insufficient history

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

10.53%

3-year · annualised

Sharpe ratio

0.07

vs risk-free 6.5%

Sortino ratio

0.14

Downside-only deviation

Max drawdown

-16.01%

Jan 2009 → Mar 2009

% positive months

55.6%

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
6 Jan 2011	₹14.8006
5 Jan 2011	₹14.8147
4 Jan 2011	₹14.8063
3 Jan 2011	₹14.8187
31 Dec 2010	₹14.8207
30 Dec 2010	₹14.8176
29 Dec 2010	₹14.8185
28 Dec 2010	₹14.8178
27 Dec 2010	₹14.8043
24 Dec 2010	₹14.7851

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 - GILT ADVANTAGE-LONG TERM PF-( PRESCRIBED APPRECIATION AUTO REDEMPTION 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 - GILT ADVANTAGE-LONG TERM PF-( PRESCRIBED APPRECIATION AUTO REDEMPTION 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 PF-( PRESCRIBED APPRECIATION AUTO REDEMPTION 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 - GILT ADVANTAGE-LONG TERM PF-( PRESCRIBED APPRECIATION AUTO REDEMPTION has delivered a absolute return of 4.71% — +14.99 pp ahead of the Gilt category average of -10.28%. The fund ranks #30 of 75 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI - GILT ADVANTAGE-LONG TERM PF-( PRESCRIBED APPRECIATION AUTO REDEMPTION has delivered a CAGR of 6.93% — +23.81 pp ahead of the Gilt category average of -16.88%. The fund ranks #21 of 70 in its category — the second (Q2) quartile.

UTI - GILT ADVANTAGE-LONG TERM PF-( PRESCRIBED APPRECIATION AUTO REDEMPTION doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in UTI - GILT ADVANTAGE-LONG TERM PF-( PRESCRIBED APPRECIATION AUTO REDEMPTION exactly 3 years ago would be worth approximately ₹122,274 today — a multiplier of 1.22×, based on the 3-year CAGR of 6.93%. The category average over the same window would have grown ₹1 lakh to ₹57,435.

A ₹10,000 monthly SIP in UTI - GILT ADVANTAGE-LONG TERM PF-( PRESCRIBED APPRECIATION AUTO REDEMPTION over the last 3 years — total invested ₹360,000 — would be worth ₹392,246 today. That's an XIRR (money-weighted annualised return) of 5.64%.

UTI - GILT ADVANTAGE-LONG TERM PF-( PRESCRIBED APPRECIATION AUTO REDEMPTION doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹392,246 — XIRR 5.64%.

On a 3-year basis, UTI - GILT ADVANTAGE-LONG TERM PF-( PRESCRIBED APPRECIATION AUTO REDEMPTION ranks #21 out of 70 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 -16.88%; this fund delivered 6.93%.

The worst peak-to-trough decline UTI - GILT ADVANTAGE-LONG TERM PF-( PRESCRIBED APPRECIATION AUTO REDEMPTION has experienced over the last 3-year window is 16.01% — its NAV fell from a high on 02 Jan 2009 to a low on 12 Mar 2009. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, UTI - GILT ADVANTAGE-LONG TERM PF-( PRESCRIBED APPRECIATION AUTO REDEMPTION averaged 7.93% (best 8.88%, worst 6.93%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.07 — weak risk-adjusted performance.

In calendar year 2010, UTI - GILT ADVANTAGE-LONG TERM PF-( PRESCRIBED APPRECIATION AUTO REDEMPTION returned 4.59% — beating the Gilt category average of 0.75% by 3.84 pp. It ranked #9 of 68 in its category that year.

UTI - GILT ADVANTAGE-LONG TERM PF-( PRESCRIBED APPRECIATION AUTO REDEMPTION 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 PF-( PRESCRIBED APPRECIATION AUTO REDEMPTION 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.

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