Should I invest in UTI - Investment Bond Fund?

We don't give personal investment advice. UTI - Investment Bond Fund - 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. 5-year CAGR: 1.56%.

UTI

UTI - Investment Bond Fund - 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	+0.00%	-9.99%	+9.99	582 / 1129	Q3
1W	+0.00%	-13.04%	+13.04	365 / 1151	Q2
2W	-0.05%	-13.18%	+13.14	390 / 1149	Q2
1M	+0.14%	-13.26%	+13.40	316 / 1137	Q2
3M	+0.75%	-13.15%	+13.90	311 / 1116	Q2
6M	+1.74%	-15.45%	+17.19	358 / 906	Q2
YTD	+3.87%	-15.77%	+19.65	184 / 952	Q1
1Y	+3.87%	-13.09%	+16.96	348 / 820	Q2
2Y	+3.72%	-12.72%	+16.44	163 / 446	Q2
3Y	+2.66%	-11.01%	+13.67	148 / 385	Q2
4Y	+1.81%	-6.52%	+8.33	141 / 339	Q2
5Y	+1.56%	-7.36%	+8.92	142 / 314	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.58%	-13.63%	+15.22	377 / 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
2012 YTD	+3.87%	+1.38%	+2.50	147 / 295
2011	+3.48%	-3.16%	+6.64	97 / 317
2010	+0.59%	-5.78%	+6.37	197 / 377
2009	-0.71%	-12.86%	+12.15	431 / 713
2008	—	—	—	—

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

+1.67%

48 windows

min -1.2% · max 4.4%

73% positive

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

3-Year rolling

+1.42%

24 windows

min 0.5% · max 2.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

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.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

0.60%

3-year · annualised

Sharpe ratio

-6.41

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.44%

Jun 2011 → Jun 2011

% positive months

83.3%

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
31 Dec 2012	₹11.2215
28 Dec 2012	₹11.2259
27 Dec 2012	₹11.2248
26 Dec 2012	₹11.2235
24 Dec 2012	₹11.2212
21 Dec 2012	₹11.2176
20 Dec 2012	₹11.2164
19 Dec 2012	₹11.2152
18 Dec 2012	₹11.2279
17 Dec 2012	₹11.2267

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 - Investment Bond Fund - 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 - Investment Bond Fund - Dividend Option has NAV history starting from 30 Jan 2008, a track record of about 18 years 4 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 - Investment Bond Fund - 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 - Investment Bond Fund - Dividend Option has delivered a absolute return of 3.87% — +16.96 pp ahead of the Income category average of -13.09%. The fund ranks #348 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI - Investment Bond Fund - Dividend Option has delivered a CAGR of 2.66% — +13.67 pp ahead of the Income category average of -11.01%. The fund ranks #148 of 385 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI - Investment Bond Fund - Dividend Option has delivered a CAGR of 1.56% — +8.92 pp ahead of the Income category average of -7.36%. The fund ranks #142 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI - Investment Bond Fund - Dividend Option exactly 5 years ago would be worth approximately ₹108,040 today — a multiplier of 1.08×, based on the 5-year CAGR of 1.56%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in UTI - Investment Bond Fund - Dividend Option over the last 3 years — total invested ₹360,000 — would be worth ₹379,579 today. That's an XIRR (money-weighted annualised return) of 3.46%.

UTI - Investment Bond Fund - Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹379,579 — XIRR 3.46%.

On a 5-year basis, UTI - Investment Bond Fund - Dividend Option ranks #142 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 1.56%.

The worst peak-to-trough decline UTI - Investment Bond Fund - Dividend Option has experienced over the last 3-year window is 0.44% — its NAV fell from a high on 21 Jun 2011 to a low on 22 Jun 2011. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, UTI - Investment Bond Fund - Dividend Option averaged 1.42% (best 2.66%, worst 0.46%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -6.41 — negative risk-adjusted performance.

In calendar year 2011, UTI - Investment Bond Fund - Dividend Option returned 3.48% — beating the Income category average of -3.16% by 6.64 pp. It ranked #97 of 317 in its category that year.

UTI - Investment Bond Fund - 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 - Investment Bond Fund - 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. 5-year CAGR: 1.56%.

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