Should I invest in UTI - MIS-ADVANTAGE-MONTHLY DIVIDEND?

We don't give personal investment advice. UTI - MIS-ADVANTAGE-MONTHLY DIVIDEND is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 8.8%. 5-year CAGR: 1.72%.

UTI

UTI - MIS-ADVANTAGE-MONTHLY DIVIDEND

Latest NAV

₹16.7034

As of

10 Jun 2026

4,887 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	+0.48%	+0.32%	+0.16	6 / 33	Q1
1W	+0.58%	+0.52%	+0.06	15 / 33	Q2
2W	-0.15%	+0.16%	-0.32	27 / 33	Q4
1M	-0.35%	+0.01%	-0.35	27 / 33	Q4
3M	-1.56%	-0.47%	-1.10	25 / 33	Q4
6M	-3.83%	-1.66%	-2.17	25 / 33	Q4
YTD	-4.38%	-1.59%	-2.79	28 / 33	Q4
1Y	-5.44%	-2.11%	-3.33	24 / 33	Q3
2Y	-0.78%	+1.47%	-2.26	22 / 33	Q3
3Y	+1.92%	+3.74%	-1.82	18 / 33	Q3
4Y	+2.30%	+4.20%	-1.90	18 / 33	Q3
5Y	+1.72%	+3.28%	-1.56	17 / 33	Q3
7Y	+1.64%	+3.71%	-2.07	20 / 33	Q3
10Y	+1.31%	+3.25%	-1.94	20 / 33	Q3
Inception	+1.65%	+3.72%	-2.06	18 / 33	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	-4.38%	-1.59%	-2.79	28 / 33
2025	+0.42%	+1.83%	-1.41	20 / 33
2024	+5.47%	+6.68%	-1.21	20 / 33
2023	+4.59%	+6.65%	-2.06	20 / 33
2022	-2.80%	-0.18%	-2.62	22 / 33
2021	+6.22%	+6.74%	-0.53	18 / 33
2020	+3.33%	+5.49%	-2.17	23 / 33
2019	-3.52%	+2.15%	-5.67	30 / 33
2018	-2.67%	-3.43%	+0.76	16 / 33
2017	+5.30%	+4.29%	+1.02	14 / 33
2016	+1.94%	+4.98%	-3.05	23 / 33

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

+2.14%

234 windows

min -15.0% · max 18.2%

62% positive

3-Year rolling

+2.05%

210 windows

min -5.1% · max 7.7%

75% positive

5-Year rolling

+1.91%

186 windows

min -2.6% · max 5.9%

90% positive

7-Year rolling

+1.84%

161 windows

min 0.2% · max 4.2%

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

3.67%

3-year · annualised

Sharpe ratio

-1.24

vs risk-free 6.5%

Sortino ratio

-1.94

Downside-only deviation

Max drawdown

-7.93%

Sep 2024 → Mar 2026

% 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.

Peers in Conservative Hybrid Fund

Scheme	Fund house	NAV	As of
HDFC MF Monthly Income Plan-Long Term Plan-Growth Option	HDFC	₹82.5945	10 Jun 2026
NIPPON INDIA CONSERVATIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - MONTHLY IDCW Option	Nippon India	₹0.0000	10 Jun 2026
SBI Magnum Monthly Income Plan - Growth	SBI	₹75.2616	10 Jun 2026
ICICI Prudential Income Multiplier Fund-Dividend option	ICICI Prudential	₹13.7368	10 Jun 2026
FT India Monthly Income Plan-Growth	Franklin Templeton	₹90.9140	10 Jun 2026
Kotak Debt Hybrid - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹12.1551	10 Jun 2026
DSP BlackRock Savings Manager Fund - Aggressive - Growth	DSP BlackRock	₹60.0386	10 Jun 2026
HSBC MIP - Savings - Dividend - Quarterly	HSBC	₹17.0501	10 Jun 2026
Canara Robeco Cigo-Growth Plan	Canara Robeco	₹96.8702	10 Jun 2026
UTI - MIS-ADVANTAGE-FLEXI DIVIDEND	UTI	₹43.9390	10 Jun 2026

Recent NAVs

Date	NAV
10 Jun 2026	₹16.7034
9 Jun 2026	₹16.7218
8 Jun 2026	₹16.6422
5 Jun 2026	₹16.6579
4 Jun 2026	₹16.6201
3 Jun 2026	₹16.6088
2 Jun 2026	₹16.6261
1 Jun 2026	₹16.6802
29 May 2026	₹16.7075
27 May 2026	₹16.7487

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 - MIS-ADVANTAGE-MONTHLY DIVIDEND is ₹16.7034. It's a Conservative Hybrid Fund from UTI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI - MIS-ADVANTAGE-MONTHLY DIVIDEND 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 - MIS-ADVANTAGE-MONTHLY DIVIDEND is managed by UTI. It's classified by AMFI under the 'Conservative Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - MIS-ADVANTAGE-MONTHLY DIVIDEND has delivered a absolute return of -5.44% — -3.33 pp behind the Conservative Hybrid Fund category average of -2.11%. The fund ranks #24 of 33 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI - MIS-ADVANTAGE-MONTHLY DIVIDEND has delivered a CAGR of 1.92% — -1.82 pp behind the Conservative Hybrid Fund category average of 3.74%. The fund ranks #18 of 33 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI - MIS-ADVANTAGE-MONTHLY DIVIDEND has delivered a CAGR of 1.72% — -1.56 pp behind the Conservative Hybrid Fund category average of 3.28%. The fund ranks #17 of 33 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI - MIS-ADVANTAGE-MONTHLY DIVIDEND exactly 10 years ago would be worth approximately ₹113,875 today — a multiplier of 1.14×, based on the 10-year CAGR of 1.31%. The category average over the same window would have grown ₹1 lakh to ₹137,716.

A ₹10,000 monthly SIP in UTI - MIS-ADVANTAGE-MONTHLY DIVIDEND over the last 5 years — total invested ₹600,000 — would be worth ₹611,107 today. That's an XIRR (money-weighted annualised return) of 0.72%.

A ₹10,000 monthly SIP for 10 years in UTI - MIS-ADVANTAGE-MONTHLY DIVIDEND = ₹1,200,000 invested. It would currently be worth ₹1,281,119 (multiplier 1.07×). XIRR: 1.29%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - MIS-ADVANTAGE-MONTHLY DIVIDEND ranks #17 out of 33 funds in the Conservative Hybrid Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.28%; this fund delivered 1.72%.

The worst peak-to-trough decline UTI - MIS-ADVANTAGE-MONTHLY DIVIDEND has experienced over the last 5-year window is 8.85% — its NAV fell from a high on 14 Oct 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 - MIS-ADVANTAGE-MONTHLY DIVIDEND averaged 1.91% (best 5.90%, worst -2.59%). 90% of rolling windows ended positive. The 5-year Sharpe ratio is -1.08 — negative risk-adjusted performance.

In calendar year 2025, UTI - MIS-ADVANTAGE-MONTHLY DIVIDEND returned 0.42% — lagging the Conservative Hybrid Fund category average of 1.83% by 1.41 pp. It ranked #20 of 33 in its category that year.

UTI - MIS-ADVANTAGE-MONTHLY DIVIDEND is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. UTI - MIS-ADVANTAGE-MONTHLY DIVIDEND is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 8.8%. 5-year CAGR: 1.72%.

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