Should I invest in UTI Contra Fund-Income?

We don't give personal investment advice. UTI Contra Fund-Income-Dividend 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: 38.0%. 5-year CAGR: 5.78%.

UTI

UTI Contra Fund-Income-Dividend 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	+0.33%	+0.06%	+0.27	80 / 299	Q2
1W	+2.30%	-3.61%	+5.91	37 / 303	Q1
2W	+3.79%	-4.52%	+8.31	33 / 303	Q1
1M	+0.39%	-5.64%	+6.02	126 / 302	Q2
3M	+3.47%	-4.27%	+7.74	111 / 302	Q2
6M	+32.21%	+1.48%	+30.73	17 / 307	Q1
YTD	+24.35%	-0.18%	+24.53	45 / 309	Q1
1Y	+50.43%	+7.10%	+43.32	24 / 307	Q1
2Y	+19.90%	+2.20%	+17.70	58 / 303	Q1
3Y	+13.81%	+0.76%	+13.05	65 / 264	Q1
4Y	+3.84%	+0.58%	+3.26	126 / 235	Q3
5Y	+5.78%	+0.02%	+5.76	99 / 208	Q2
7Y	+7.29%	+3.12%	+4.17	65 / 130	Q2
10Y	—	—	—	—	—
Inception	+5.08%	+0.51%	+4.57	146 / 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	+24.35%	+34.59%	-10.24	101 / 133
2013	+0.64%	+0.03%	+0.62	77 / 154
2012	+31.66%	+23.57%	+8.09	55 / 190
2011	-32.27%	-23.68%	-8.59	226 / 241
2010	+0.73%	+11.69%	-10.96	214 / 256
2009	+71.71%	+65.86%	+5.85	107 / 238
2008	-43.71%	-52.86%	+9.15	25 / 198
2007	+39.84%	+42.91%	-3.08	84 / 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

+7.98%

90 windows

min -39.8% · max 88.6%

59% positive

3-Year rolling

+4.07%

66 windows

min -7.7% · max 17.0%

64% positive

5-Year rolling

+4.02%

41 windows

min -2.4% · max 11.5%

85% positive

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

7-Year rolling

+4.05%

17 windows

min 1.6% · 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

17.79%

3-year · annualised

Sharpe ratio

0.47

vs risk-free 6.5%

Sortino ratio

0.77

Downside-only deviation

Max drawdown

-20.54%

Jan 2013 → Aug 2013

% positive months

58.3%

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
22 Aug 2014	₹15.6406
21 Aug 2014	₹15.5888
20 Aug 2014	₹15.5287
19 Aug 2014	₹15.5859
18 Aug 2014	₹15.5073
14 Aug 2014	₹15.2892
13 Aug 2014	₹15.1974
12 Aug 2014	₹15.2879
11 Aug 2014	₹15.1694
8 Aug 2014	₹15.0700

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 Contra Fund-Income-Dividend 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 Contra Fund-Income-Dividend Option has NAV history starting from 18 Apr 2006, a track record of about 20 years 1 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 Contra Fund-Income-Dividend 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 Contra Fund-Income-Dividend Option has delivered a absolute return of 50.43% — +43.32 pp ahead of the Growth category average of 7.10%. The fund ranks #24 of 307 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Contra Fund-Income-Dividend Option has delivered a CAGR of 13.81% — +13.05 pp ahead of the Growth category average of 0.76%. The fund ranks #65 of 264 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Contra Fund-Income-Dividend Option has delivered a CAGR of 5.78% — +5.76 pp ahead of the Growth category average of 0.02%. The fund ranks #99 of 208 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Contra Fund-Income-Dividend Option exactly 5 years ago would be worth approximately ₹132,435 today — a multiplier of 1.32×, based on the 5-year CAGR of 5.78%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in UTI Contra Fund-Income-Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹784,556 today. That's an XIRR (money-weighted annualised return) of 10.66%.

UTI Contra Fund-Income-Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,181,101 — XIRR 9.57%.

On a 5-year basis, UTI Contra Fund-Income-Dividend Option ranks #99 out of 208 funds in the Growth category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.02%; this fund delivered 5.78%.

The worst peak-to-trough decline UTI Contra Fund-Income-Dividend Option has experienced over the last 5-year window is 38.04% — its NAV fell from a high on 10 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 Contra Fund-Income-Dividend Option averaged 4.02% (best 11.47%, worst -2.45%). 85% of rolling windows ended positive. The 5-year Sharpe ratio is 0.07 — weak risk-adjusted performance.

In calendar year 2013, UTI Contra Fund-Income-Dividend Option returned 0.64% — beating the Growth category average of 0.03% by 0.62 pp. It ranked #77 of 154 in its category that year.

UTI Contra Fund-Income-Dividend 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 Contra Fund-Income-Dividend 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: 38.0%. 5-year CAGR: 5.78%.

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