Should I invest in UTI - Master Plus Unit Scheme-Income Option?

We don't give personal investment advice. UTI - Master Plus Unit Scheme-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. Worst 5-year drawdown: 25.4%. 5-year CAGR: 13.74%.

UTI

UTI - Master Plus Unit Scheme-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	-0.41%	+0.06%	-0.47	238 / 299	Q4
1W	-2.94%	-3.61%	+0.67	256 / 303	Q4
2W	+0.24%	-4.52%	+4.76	130 / 303	Q2
1M	-2.01%	-5.64%	+3.62	177 / 302	Q3
3M	+12.59%	-4.27%	+16.86	23 / 302	Q1
6M	+24.27%	+1.48%	+22.79	34 / 307	Q1
YTD	+21.31%	-0.18%	+21.49	56 / 309	Q1
1Y	+33.44%	+7.10%	+26.34	51 / 307	Q1
2Y	+19.06%	+2.20%	+16.86	62 / 303	Q1
3Y	+11.10%	+0.76%	+10.34	84 / 264	Q2
4Y	+9.86%	+0.58%	+9.27	73 / 235	Q2
5Y	+13.74%	+0.02%	+13.72	35 / 208	Q1
7Y	+5.72%	+3.12%	+2.60	87 / 130	Q3
10Y	—	—	—	—	—
Inception	+5.90%	+0.51%	+5.39	132 / 310	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
2014 YTD	+21.31%	+34.59%	-13.27	109 / 133
2013	+6.19%	+0.03%	+6.16	38 / 154
2012	+26.55%	+23.57%	+2.98	96 / 190
2011	-21.56%	-23.68%	+2.12	86 / 241
2010	+16.60%	+11.69%	+4.92	86 / 256
2009	+55.60%	+65.86%	-10.26	172 / 238
2008	-53.74%	-52.86%	-0.88	78 / 198
2007	+45.41%	+42.91%	+2.49	65 / 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

+8.99%

88 windows

min -54.9% · max 84.4%

70% positive

3-Year rolling

+4.45%

65 windows

min -13.4% · max 25.6%

83% positive

5-Year rolling

+5.15%

41 windows

min -3.3% · max 19.3%

83% positive

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

7-Year rolling

+4.64%

16 windows

min 2.0% · max 7.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

15.91%

3-year · annualised

Sharpe ratio

0.33

vs risk-free 6.5%

Sortino ratio

0.67

Downside-only deviation

Max drawdown

-18.98%

Jul 2011 → Dec 2011

% positive months

47.2%

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
10 Jul 2014	₹83.1235
9 Jul 2014	₹83.4651
8 Jul 2014	₹84.0326
7 Jul 2014	₹86.2086
4 Jul 2014	₹85.9720
3 Jul 2014	₹85.6438
2 Jul 2014	₹85.5959
1 Jul 2014	₹84.7531
30 Jun 2014	₹84.3748
27 Jun 2014	₹83.2114

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 - Master Plus Unit Scheme-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 - Master Plus Unit Scheme-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 - Master Plus Unit Scheme-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 - Master Plus Unit Scheme-Income Option has delivered a absolute return of 33.44% — +26.34 pp ahead of the Growth category average of 7.10%. The fund ranks #51 of 307 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI - Master Plus Unit Scheme-Income Option has delivered a CAGR of 11.10% — +10.34 pp ahead of the Growth category average of 0.76%. The fund ranks #84 of 264 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI - Master Plus Unit Scheme-Income Option has delivered a CAGR of 13.74% — +13.72 pp ahead of the Growth category average of 0.02%. The fund ranks #35 of 208 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI - Master Plus Unit Scheme-Income Option exactly 5 years ago would be worth approximately ₹190,345 today — a multiplier of 1.90×, based on the 5-year CAGR of 13.74%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in UTI - Master Plus Unit Scheme-Income Option over the last 5 years — total invested ₹600,000 — would be worth ₹842,692 today. That's an XIRR (money-weighted annualised return) of 13.55%.

UTI - Master Plus Unit Scheme-Income Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,258,989 — XIRR 11.82%.

On a 5-year basis, UTI - Master Plus Unit Scheme-Income Option ranks #35 out of 208 funds in the Growth category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 0.02%; this fund delivered 13.74%.

The worst peak-to-trough decline UTI - Master Plus Unit Scheme-Income Option has experienced over the last 5-year window is 25.44% — its NAV fell from a high on 09 Nov 2010 to a low on 20 Dec 2011. 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 - Master Plus Unit Scheme-Income Option averaged 5.15% (best 19.27%, worst -3.30%). 83% of rolling windows ended positive. The 5-year Sharpe ratio is 0.48 — weak risk-adjusted performance.

In calendar year 2013, UTI - Master Plus Unit Scheme-Income Option returned 6.19% — beating the Growth category average of 0.03% by 6.16 pp. It ranked #38 of 154 in its category that year.

UTI - Master Plus Unit Scheme-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 - Master Plus Unit Scheme-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. Worst 5-year drawdown: 25.4%. 5-year CAGR: 13.74%.

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