Should I invest in UTI Software Fund-Income Option?

We don't give personal investment advice. UTI Software 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 Software 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	+1.60%	+0.06%	+1.53	25 / 299	Q1
1W	-7.59%	-3.61%	-3.98	283 / 303	Q4
2W	-10.08%	-4.52%	-5.56	278 / 303	Q4
1M	-9.50%	-5.64%	-3.87	249 / 302	Q4
3M	-14.32%	-4.27%	-10.05	260 / 302	Q4
6M	-1.75%	+1.48%	-3.23	187 / 307	Q3
YTD	-31.94%	-0.18%	-31.76	295 / 309	Q4
1Y	-29.33%	+7.10%	-36.43	294 / 307	Q4
2Y	-15.51%	+2.20%	-17.71	271 / 303	Q4
3Y	—	—	—	—	—
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-12.23%	+0.51%	-12.74	285 / 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
2008 YTD	-31.94%	-52.86%	+20.92	21 / 198
2007	-12.08%	+42.91%	-55.00	134 / 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

-9.49%

19 windows

min -38.4% · max 41.3%

32% positive

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

3-Year rolling

—

Insufficient history

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.

Recent NAVs

Date	NAV
19 Sep 2008	₹14.0000
18 Sep 2008	₹13.7800
17 Sep 2008	₹14.0700
16 Sep 2008	₹14.2200
15 Sep 2008	₹14.4500
12 Sep 2008	₹15.1500
11 Sep 2008	₹15.6400
10 Sep 2008	₹15.8000
9 Sep 2008	₹15.8500
8 Sep 2008	₹15.8600

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 Software 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 Software 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 Software 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 Software Fund-Income Option has delivered a absolute return of -29.33% — -36.43 pp behind the Growth category average of 7.10%. The fund ranks #294 of 307 in its category — the bottom (Q4) quartile.

UTI Software Fund-Income Option doesn't have a complete 3-year window yet (we need at least 3 year of NAVs). Check the shorter-window returns above.

UTI Software 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.

UTI Software Fund-Income Option doesn't yet have a 3-year CAGR on file, so a ₹1 lakh growth projection isn't reliable.

A ₹10,000 monthly SIP in UTI Software Fund-Income Option over the last 1 year — total invested ₹120,000 — would be worth ₹98,310 today. That's an XIRR (money-weighted annualised return) of -31.42%.

UTI Software Fund-Income Option doesn't yet have 10 years of NAVs. Over the longest available window (1-year SIP), ₹10,000/month would have grown to ₹98,310 — XIRR -31.42%.

UTI Software Fund-Income Option doesn't yet have a peer rank on file — typically because its category set is too small or it lacks the required NAV history. Compare manually using the returns table above.

UTI Software Fund-Income Option doesn't have a computed drawdown figure yet.

Consistency stats for UTI Software Fund-Income Option need at least 3 years of NAVs to compute. They'll populate automatically once the fund has enough history.

In calendar year 2007, UTI Software Fund-Income Option returned -12.08% — lagging the Growth category average of 42.91% by 55.00 pp. It ranked #134 of 137 in its category that year.

UTI Software 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 Software 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.

UTI Software Fund-Income Option

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Recent NAVs

Frequently asked questions

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