Should I invest in UTI Services Industries Fund?

We don't give personal investment advice. UTI Services Industries Fund-Growth 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: 30.5%. 5-year CAGR: 15.07%.

UTI

UTI Services Industries Fund-Growth 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	+0.66%	+0.06%	+0.59	53 / 299	Q1
1W	+2.20%	-3.61%	+5.81	39 / 303	Q1
2W	+4.09%	-4.52%	+8.61	27 / 303	Q1
1M	+0.96%	-5.64%	+6.60	108 / 302	Q2
3M	+8.54%	-4.27%	+12.81	64 / 302	Q1
6M	+24.11%	+1.48%	+22.63	35 / 307	Q1
YTD	+25.39%	-0.18%	+25.57	40 / 309	Q1
1Y	+54.98%	+7.10%	+47.87	20 / 307	Q1
2Y	+27.78%	+2.20%	+25.58	25 / 303	Q1
3Y	+22.19%	+0.76%	+21.43	23 / 264	Q1
4Y	+11.53%	+0.58%	+10.94	61 / 235	Q2
5Y	+15.07%	+0.02%	+15.05	25 / 208	Q1
7Y	+9.06%	+3.12%	+5.94	48 / 130	Q2
10Y	—	—	—	—	—
Inception	+10.04%	+0.51%	+9.53	58 / 310	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
2014 YTD	+25.39%	+34.59%	-9.20	97 / 133
2013	+17.78%	+0.03%	+17.76	2 / 154
2012	+32.87%	+23.57%	+9.30	45 / 190
2011	-26.56%	-23.68%	-2.88	167 / 241
2010	+15.43%	+11.69%	+3.74	101 / 256
2009	+82.73%	+65.86%	+16.87	65 / 238
2008	-59.89%	-52.86%	-7.03	137 / 198
2007	+45.85%	+42.91%	+2.94	62 / 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

+14.41%

91 windows

min -58.3% · max 111.5%

69% positive

3-Year rolling

+7.14%

66 windows

min -9.8% · max 31.0%

92% positive

5-Year rolling

+7.84%

42 windows

min -3.2% · max 23.7%

88% positive

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

7-Year rolling

+6.97%

18 windows

min 5.0% · max 9.1%

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

15.15%

3-year · annualised

Sharpe ratio

1.02

vs risk-free 6.5%

Sortino ratio

2.01

Downside-only deviation

Max drawdown

-15.21%

Oct 2011 → Dec 2011

% positive months

66.7%

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	₹92.9902
21 Aug 2014	₹92.3828
20 Aug 2014	₹92.1188
19 Aug 2014	₹91.7300
18 Aug 2014	₹91.6769
14 Aug 2014	₹90.9858
13 Aug 2014	₹90.8451
12 Aug 2014	₹90.4879
11 Aug 2014	₹89.8864
8 Aug 2014	₹89.3353

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 Services Industries Fund-Growth 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 Services Industries Fund-Growth 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 Services Industries Fund-Growth 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 Services Industries Fund-Growth Option has delivered a absolute return of 54.98% — +47.87 pp ahead of the Growth category average of 7.10%. The fund ranks #20 of 307 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI Services Industries Fund-Growth Option has delivered a CAGR of 22.19% — +21.43 pp ahead of the Growth category average of 0.76%. The fund ranks #23 of 264 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI Services Industries Fund-Growth Option has delivered a CAGR of 15.07% — +15.05 pp ahead of the Growth category average of 0.02%. The fund ranks #25 of 208 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Services Industries Fund-Growth Option exactly 5 years ago would be worth approximately ₹201,714 today — a multiplier of 2.02×, based on the 5-year CAGR of 15.07%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in UTI Services Industries Fund-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹939,948 today. That's an XIRR (money-weighted annualised return) of 17.98%.

UTI Services Industries Fund-Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,489,364 — XIRR 16.06%.

On a 5-year basis, UTI Services Industries Fund-Growth Option ranks #25 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 15.07%.

The worst peak-to-trough decline UTI Services Industries Fund-Growth Option has experienced over the last 5-year window is 30.45% — its NAV fell from a high on 13 Oct 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 Services Industries Fund-Growth Option averaged 7.84% (best 23.73%, worst -3.17%). 88% of rolling windows ended positive. The 5-year Sharpe ratio is 0.55 — reasonable risk-adjusted performance.

In calendar year 2013, UTI Services Industries Fund-Growth Option returned 17.78% — beating the Growth category average of 0.03% by 17.76 pp. It ranked #2 of 154 in its category that year.

UTI Services Industries Fund-Growth 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 Services Industries Fund-Growth 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: 30.5%. 5-year CAGR: 15.07%.

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