Should I invest in UTI - CRTS 81?

We don't give personal investment advice. UTI - CRTS 81 - Dividend Option is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 12.8%. 5-year CAGR: 1.70%.

UTI

UTI - CRTS 81 - Dividend Option

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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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	+0.00%	-9.99%	+9.99	323 / 1129	Q2
1W	+0.43%	-13.04%	+13.47	91 / 1151	Q1
2W	+0.30%	-13.18%	+13.49	144 / 1149	Q1
1M	+0.88%	-13.26%	+14.14	101 / 1137	Q1
3M	+0.74%	-13.15%	+13.88	314 / 1116	Q2
6M	-2.14%	-15.45%	+13.32	610 / 906	Q3
YTD	+1.58%	-15.77%	+17.35	291 / 952	Q2
1Y	-0.96%	-13.09%	+12.12	580 / 820	Q3
2Y	+1.79%	-12.72%	+14.51	196 / 446	Q2
3Y	-0.45%	-11.01%	+10.56	294 / 385	Q4
4Y	+1.59%	-6.52%	+8.11	148 / 339	Q2
5Y	+1.70%	-7.36%	+9.06	137 / 314	Q2
7Y	+2.44%	+2.53%	-0.08	107 / 234	Q2
10Y	+2.49%	+3.14%	-0.65	43 / 101	Q2
Inception	+1.87%	-13.63%	+15.50	367 / 1199	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
2018 YTD	+1.58%	+1.30%	+0.28	35 / 90
2017	+2.49%	+1.63%	+0.87	39 / 137
2016	+0.54%	+3.02%	-2.48	113 / 181
2015	-3.90%	+2.22%	-6.12	210 / 216
2014	+11.23%	+5.51%	+5.72	38 / 240
2013	-1.31%	-1.95%	+0.64	218 / 276
2012	+10.77%	+1.38%	+9.39	33 / 295
2011	-5.82%	-3.16%	-2.66	288 / 317
2010	+9.28%	-5.78%	+15.06	3 / 377
2009	+17.81%	-12.86%	+30.67	24 / 713
2008	-18.97%	-2.02%	-16.95	367 / 380

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

+3.13%

136 windows

min -20.4% · max 28.1%

68% positive

3-Year rolling

+3.36%

111 windows

min -2.8% · max 9.4%

94% positive

5-Year rolling

+3.47%

87 windows

min 1.1% · max 8.1%

100% positive

7-Year rolling

+3.48%

63 windows

min 1.7% · max 6.6%

100% positive

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

6.43%

3-year · annualised

Sharpe ratio

-1.02

vs risk-free 6.5%

Sortino ratio

-1.26

Downside-only deviation

Max drawdown

-11.61%

Jul 2015 → Feb 2016

% positive months

61.1%

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
2 May 2018	₹149.7263
27 Apr 2018	₹149.4588
26 Apr 2018	₹149.3437
25 Apr 2018	₹149.0829
24 Apr 2018	₹149.4179
23 Apr 2018	₹149.2955
20 Apr 2018	₹149.0448
19 Apr 2018	₹149.1901
18 Apr 2018	₹149.2746
17 Apr 2018	₹149.4614

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 - CRTS 81 - Dividend Option is a Income from UTI (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

UTI - CRTS 81 - Dividend 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 - CRTS 81 - Dividend Option is managed by UTI. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - CRTS 81 - Dividend Option has delivered a absolute return of -0.96% — +12.12 pp ahead of the Income category average of -13.09%. The fund ranks #580 of 820 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI - CRTS 81 - Dividend Option has delivered a CAGR of -0.45% — +10.56 pp ahead of the Income category average of -11.01%. The fund ranks #294 of 385 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI - CRTS 81 - Dividend Option has delivered a CAGR of 1.70% — +9.06 pp ahead of the Income category average of -7.36%. The fund ranks #137 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI - CRTS 81 - Dividend Option exactly 10 years ago would be worth approximately ₹127,917 today — a multiplier of 1.28×, based on the 10-year CAGR of 2.49%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in UTI - CRTS 81 - Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹617,836 today. That's an XIRR (money-weighted annualised return) of 1.15%.

A ₹10,000 monthly SIP for 10 years in UTI - CRTS 81 - Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,364,792 (multiplier 1.14×). XIRR: 2.53%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - CRTS 81 - Dividend Option ranks #137 out of 314 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -7.36%; this fund delivered 1.70%.

The worst peak-to-trough decline UTI - CRTS 81 - Dividend Option has experienced over the last 5-year window is 12.78% — its NAV fell from a high on 04 Dec 2014 to a low on 25 Feb 2016. 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 - CRTS 81 - Dividend Option averaged 3.47% (best 8.09%, worst 1.08%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.64 — negative risk-adjusted performance.

In calendar year 2017, UTI - CRTS 81 - Dividend Option returned 2.49% — beating the Income category average of 1.63% by 0.87 pp. It ranked #39 of 137 in its category that year.

UTI - CRTS 81 - Dividend Option is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. UTI - CRTS 81 - Dividend Option is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 12.8%. 5-year CAGR: 1.70%.

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