Should I invest in UTI - Master Plus Unit Scheme?

We don't give personal investment advice. UTI - Master Plus Unit Scheme-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: 25.5%. 5-year CAGR: 14.46%.

UTI

UTI - Master Plus Unit Scheme-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	-0.41%	+0.06%	-0.47	237 / 299	Q4
1W	-2.94%	-3.61%	+0.67	255 / 303	Q4
2W	+0.24%	-4.52%	+4.76	129 / 303	Q2
1M	-2.01%	-5.64%	+3.62	176 / 302	Q3
3M	+12.59%	-4.27%	+16.86	22 / 302	Q1
6M	+24.27%	+1.48%	+22.79	33 / 307	Q1
YTD	+21.31%	-0.18%	+21.49	55 / 309	Q1
1Y	+33.44%	+7.10%	+26.34	50 / 307	Q1
2Y	+20.93%	+2.20%	+18.73	54 / 303	Q1
3Y	+12.27%	+0.76%	+11.51	78 / 264	Q2
4Y	+10.72%	+0.58%	+10.14	66 / 235	Q2
5Y	+14.46%	+0.02%	+14.44	30 / 208	Q1
7Y	+7.14%	+3.12%	+4.03	68 / 130	Q3
10Y	—	—	—	—	—
Inception	+8.98%	+0.51%	+8.47	82 / 310	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
2014 YTD	+21.31%	+34.59%	-13.27	108 / 133
2013	+6.18%	+0.03%	+6.16	39 / 154
2012	+30.62%	+23.57%	+7.05	66 / 190
2011	-21.57%	-23.68%	+2.11	87 / 241
2010	+16.65%	+11.69%	+4.96	84 / 256
2009	+65.43%	+65.86%	-0.44	146 / 238
2008	-53.76%	-52.86%	-0.90	79 / 198
2007	+45.55%	+42.91%	+2.64	63 / 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

+12.08%

88 windows

min -54.9% · max 84.3%

74% positive

3-Year rolling

+6.59%

65 windows

min -7.2% · max 25.5%

89% positive

5-Year rolling

+7.24%

41 windows

min -2.1% · max 20.0%

95% positive

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

7-Year rolling

+7.16%

16 windows

min 4.9% · max 9.8%

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

15.85%

3-year · annualised

Sharpe ratio

0.40

vs risk-free 6.5%

Sortino ratio

0.81

Downside-only deviation

Max drawdown

-18.99%

Jul 2011 → Dec 2011

% positive months

50.0%

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
10 Jul 2014	₹118.9862
9 Jul 2014	₹119.4752
8 Jul 2014	₹120.2875
7 Jul 2014	₹123.4024
4 Jul 2014	₹123.0636
3 Jul 2014	₹122.5938
2 Jul 2014	₹122.5252
1 Jul 2014	₹121.3189
30 Jun 2014	₹120.7773
27 Jun 2014	₹119.1120

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 - Master Plus Unit Scheme-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 - Master Plus Unit Scheme-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 - Master Plus Unit Scheme-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 - Master Plus Unit Scheme-Growth Option has delivered a absolute return of 33.44% — +26.34 pp ahead of the Growth category average of 7.10%. The fund ranks #50 of 307 in its category — the top (Q1) quartile.

Over the trailing 3-year window, UTI - Master Plus Unit Scheme-Growth Option has delivered a CAGR of 12.27% — +11.51 pp ahead of the Growth category average of 0.76%. The fund ranks #78 of 264 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI - Master Plus Unit Scheme-Growth Option has delivered a CAGR of 14.46% — +14.44 pp ahead of the Growth category average of 0.02%. The fund ranks #30 of 208 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI - Master Plus Unit Scheme-Growth Option exactly 5 years ago would be worth approximately ₹196,476 today — a multiplier of 1.96×, based on the 5-year CAGR of 14.46%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in UTI - Master Plus Unit Scheme-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹862,428 today. That's an XIRR (money-weighted annualised return) of 14.49%.

UTI - Master Plus Unit Scheme-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 ₹1,311,512 — XIRR 12.98%.

On a 5-year basis, UTI - Master Plus Unit Scheme-Growth Option ranks #30 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 14.46%.

The worst peak-to-trough decline UTI - Master Plus Unit Scheme-Growth Option has experienced over the last 5-year window is 25.45% — its NAV fell from a high on 09 Nov 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 - Master Plus Unit Scheme-Growth Option averaged 7.24% (best 20.02%, worst -2.10%). 95% of rolling windows ended positive. The 5-year Sharpe ratio is 0.52 — reasonable risk-adjusted performance.

In calendar year 2013, UTI - Master Plus Unit Scheme-Growth Option returned 6.18% — beating the Growth category average of 0.03% by 6.16 pp. It ranked #39 of 154 in its category that year.

UTI - Master Plus Unit Scheme-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 - Master Plus Unit Scheme-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: 25.5%. 5-year CAGR: 14.46%.

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