Should I invest in UTI - Equity Fund-Income Option?

We don't give personal investment advice. UTI - Equity Fund-Income Option is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 25.9%. 5-year CAGR: 4.07%.

UTI

UTI - Equity Fund-Income Option

Latest NAV

₹194.0415

As of

10 Jun 2026

4,962 NAV records on file

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	+0.74%	+0.22%	+0.52	18 / 75	Q1
1W	-0.23%	-0.17%	-0.06	41 / 74	Q3
2W	-1.44%	-0.93%	-0.51	40 / 73	Q3
1M	-1.24%	-0.21%	-1.03	43 / 72	Q3
3M	+1.94%	+3.95%	-2.01	39 / 71	Q3
6M	-9.02%	+5.78%	-14.80	67 / 71	Q4
YTD	-8.40%	+1.94%	-10.35	62 / 71	Q4
1Y	-9.35%	+13.29%	-22.63	60 / 65	Q4
2Y	+0.79%	+8.19%	-7.40	44 / 61	Q3
3Y	+6.93%	+11.22%	-4.29	47 / 55	Q4
4Y	+7.32%	+11.10%	-3.78	29 / 35	Q4
5Y	+4.07%	+10.23%	-6.16	31 / 33	Q4
7Y	+9.02%	+11.12%	-2.11	19 / 28	Q3
10Y	+8.91%	+10.36%	-1.45	17 / 28	Q3
Inception	+9.21%	+8.96%	+0.25	38 / 75	Q3

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
2026 YTD	-8.40%	-6.21%	-2.19	20 / 27
2025	+0.46%	+2.13%	-1.68	21 / 27
2024	+14.48%	+17.60%	-3.12	19 / 27
2023	+19.68%	+25.30%	-5.62	23 / 27
2022	-15.72%	+0.84%	-16.56	32 / 32
2021	+29.67%	+25.14%	+4.53	21 / 46
2020	+27.80%	+13.07%	+14.73	6 / 50
2019	+8.17%	+4.14%	+4.03	17 / 61
2018	+1.36%	-7.56%	+8.91	3 / 36
2017	+25.41%	+31.98%	-6.57	27 / 36
2016	-2.64%	+1.09%	-3.73	31 / 38

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

+13.30%

233 windows

min -46.0% · max 92.9%

75% positive

3-Year rolling

+11.47%

210 windows

min -8.3% · max 28.9%

98% positive

5-Year rolling

+11.57%

186 windows

min -0.4% · max 21.2%

99% positive

7-Year rolling

+11.42%

160 windows

min 6.8% · max 19.8%

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

12.87%

3-year · annualised

Sharpe ratio

0.08

vs risk-free 6.5%

Sortino ratio

0.13

Downside-only deviation

Max drawdown

-20.83%

Sep 2024 → Mar 2026

% positive months

55.6%

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.

Peers in Flexi Cap Fund

Scheme	Fund house	NAV	As of
HDFC Equity Fund - Dividend Option	HDFC	₹69.6050	10 Jun 2026
SBI Magnum Multicap Fund - Dividend Option	SBI	₹46.4920	9 Jun 2026
ICICI Prudential Flexicap Fund - Growth	ICICI Prudential	₹18.6700	10 Jun 2026
Franklin India Prima Plus-Dividend	Franklin Templeton	₹58.9894	10 Jun 2026
Kotak Flexicap Fund - Growth	Kotak	₹81.9780	10 Jun 2026
HSBC India Opportunities Fund - Dividend	HSBC	₹40.4391	10 Jun 2026
Canara Robeco Equity Diversified-Growth	Canara Robeco	₹322.9800	10 Jun 2026
UTI - Equity Fund-Growth Option	UTI	₹293.4969	10 Jun 2026
Birla Sun Life Equity Fund-Plan A(Dividend)	Birla Sun Life	₹156.7500	10 Jun 2026
Escorts Power & Energy Fund - Dividend Option	Escorts	₹75.0389	10 Jun 2026

Recent NAVs

Date	NAV
10 Jun 2026	₹194.0415
9 Jun 2026	₹194.8658
8 Jun 2026	₹193.4421
5 Jun 2026	₹195.3895
4 Jun 2026	₹195.4325
3 Jun 2026	₹194.1737
2 Jun 2026	₹195.3079
1 Jun 2026	₹194.1174
29 May 2026	₹195.4411
27 May 2026	₹197.9634

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.

As of 10 Jun 2026, the NAV of UTI - Equity Fund-Income Option is ₹194.0415. It's a Flexi Cap Fund from UTI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

UTI - Equity 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 - Equity Fund-Income Option is managed by UTI. It's classified by AMFI under the 'Flexi Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - Equity Fund-Income Option has delivered a absolute return of -9.35% — -22.63 pp behind the Flexi Cap Fund category average of 13.29%. The fund ranks #60 of 65 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI - Equity Fund-Income Option has delivered a CAGR of 6.93% — -4.29 pp behind the Flexi Cap Fund category average of 11.22%. The fund ranks #47 of 55 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI - Equity Fund-Income Option has delivered a CAGR of 4.07% — -6.16 pp behind the Flexi Cap Fund category average of 10.23%. The fund ranks #31 of 33 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI - Equity Fund-Income Option exactly 10 years ago would be worth approximately ₹234,867 today — a multiplier of 2.35×, based on the 10-year CAGR of 8.91%. The category average over the same window would have grown ₹1 lakh to ₹267,994.

A ₹10,000 monthly SIP in UTI - Equity Fund-Income Option over the last 5 years — total invested ₹600,000 — would be worth ₹650,023 today. That's an XIRR (money-weighted annualised return) of 3.16%.

A ₹10,000 monthly SIP for 10 years in UTI - Equity Fund-Income Option = ₹1,200,000 invested. It would currently be worth ₹1,815,468 (multiplier 1.51×). XIRR: 8.02%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - Equity Fund-Income Option ranks #31 out of 33 funds in the Flexi Cap Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 10.23%; this fund delivered 4.07%.

The worst peak-to-trough decline UTI - Equity Fund-Income Option has experienced over the last 5-year window is 25.93% — its NAV fell from a high on 16 Nov 2021 to a low on 17 Jun 2022. 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 - Equity Fund-Income Option averaged 11.57% (best 21.17%, worst -0.37%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is -0.08 — negative risk-adjusted performance.

In calendar year 2025, UTI - Equity Fund-Income Option returned 0.46% — lagging the Flexi Cap Fund category average of 2.13% by 1.68 pp. It ranked #21 of 27 in its category that year.

UTI - Equity Fund-Income Option is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. UTI - Equity Fund-Income Option is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 25.9%. 5-year CAGR: 4.07%.

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