Should I invest in UTI - INDEX SELECT FUND-Income Option?

We don't give personal investment advice. UTI - INDEX SELECT FUND-Income Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding.

UTI

UTI - INDEX SELECT FUND-Income Option

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	+1.59%	+0.06%	+1.52	26 / 299	Q1
1W	+17.22%	-3.61%	+20.83	1 / 303	Q1
2W	+17.47%	-4.52%	+21.99	1 / 303	Q1
1M	+23.93%	-5.64%	+29.57	1 / 302	Q1
3M	+45.06%	-4.27%	+49.33	3 / 302	Q1
6M	+51.80%	+1.48%	+50.32	9 / 307	Q1
YTD	+37.34%	-0.18%	+37.52	16 / 309	Q1
1Y	-12.18%	+7.10%	-19.29	236 / 307	Q4
2Y	-18.69%	+2.20%	-20.89	288 / 303	Q4
3Y	-16.14%	+0.76%	-16.90	244 / 264	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-18.06%	+0.51%	-18.58	291 / 310	Q4

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
2009 YTD	+37.34%	+65.86%	-28.52	205 / 238
2008	-66.86%	-52.86%	-14.00	186 / 198
2007	+46.85%	+42.91%	+3.94	60 / 137
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

-20.25%

27 windows

min -65.7% · max 50.7%

15% positive

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

3-Year rolling

-20.56%

2 windows

min -25.0% · max -16.1%

0% 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

44.52%

3-year · annualised

Sharpe ratio

-0.31

vs risk-free 6.5%

Sortino ratio

-0.38

Downside-only deviation

Max drawdown

-71.20%

Jan 2008 → Oct 2008

% positive months

52.8%

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.

Recent NAVs

Date	NAV
20 May 2009	₹16.0000
19 May 2009	₹15.7500
15 May 2009	₹13.7000
14 May 2009	₹13.4600
13 May 2009	₹13.6500
12 May 2009	₹13.8100
11 May 2009	₹13.4600
8 May 2009	₹13.6500
7 May 2009	₹13.8600
6 May 2009	₹13.6200

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

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

Over the trailing 1-year window, UTI - INDEX SELECT FUND-Income Option has delivered a absolute return of -12.18% — -19.29 pp behind the Growth category average of 7.10%. The fund ranks #236 of 307 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI - INDEX SELECT FUND-Income Option has delivered a CAGR of -16.14% — -16.9 pp behind the Growth category average of 0.76%. The fund ranks #244 of 264 in its category — the bottom (Q4) quartile.

UTI - INDEX SELECT FUND-Income Option 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 - INDEX SELECT FUND-Income Option exactly 3 years ago would be worth approximately ₹58,975 today — a multiplier of 0.59×, based on the 3-year CAGR of -16.14%. The category average over the same window would have grown ₹1 lakh to ₹102,292.

A ₹10,000 monthly SIP in UTI - INDEX SELECT FUND-Income Option over the last 3 years — total invested ₹360,000 — would be worth ₹311,153 today. That's an XIRR (money-weighted annualised return) of -9.24%.

UTI - INDEX SELECT FUND-Income Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹311,153 — XIRR -9.24%.

On a 3-year basis, UTI - INDEX SELECT FUND-Income Option ranks #244 out of 264 funds in the Growth category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 0.76%; this fund delivered -16.14%.

The worst peak-to-trough decline UTI - INDEX SELECT FUND-Income Option has experienced over the last 3-year window is 71.20% — its NAV fell from a high on 08 Jan 2008 to a low on 27 Oct 2008. 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 - INDEX SELECT FUND-Income Option averaged -20.56% (best -16.14%, worst -24.98%). 0% of rolling windows ended positive. The 3-year Sharpe ratio is -0.31 — negative risk-adjusted performance.

In calendar year 2008, UTI - INDEX SELECT FUND-Income Option returned -66.86% — lagging the Growth category average of -52.86% by 14.00 pp. It ranked #186 of 198 in its category that year.

UTI - INDEX SELECT FUND-Income Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. UTI - INDEX SELECT FUND-Income Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

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.