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

We don't give personal investment advice. UTI - MIS-ADVANTAGE-MONTHLY PAYMENT 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: 5.2%. 5-year CAGR: 7.83%.

UTI

UTI - MIS-ADVANTAGE-MONTHLY PAYMENT

Latest NAV

₹69.5021

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	9 / 33	Q2
1W	+0.58%	+0.52%	+0.06	14 / 33	Q2
2W	+0.33%	+0.16%	+0.16	17 / 33	Q3
1M	+0.13%	+0.01%	+0.13	12 / 33	Q2
3M	-0.14%	-0.47%	+0.33	14 / 33	Q2
6M	-1.07%	-1.66%	+0.59	19 / 33	Q3
YTD	-1.63%	-1.59%	-0.04	19 / 33	Q3
1Y	-0.02%	-2.11%	+2.09	12 / 33	Q2
2Y	+4.87%	+1.47%	+3.40	8 / 33	Q1
3Y	+7.85%	+3.74%	+4.11	9 / 33	Q2
4Y	+8.38%	+4.20%	+4.18	10 / 33	Q2
5Y	+7.83%	+3.28%	+4.55	5 / 33	Q1
7Y	+7.99%	+3.71%	+4.28	7 / 33	Q1
10Y	+7.70%	+3.25%	+4.44	5 / 33	Q1
Inception	+8.56%	+3.72%	+4.84	4 / 33	Q1

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	-1.63%	-1.59%	-0.04	19 / 33
2025	+6.10%	+1.83%	+4.28	8 / 33
2024	+11.59%	+6.68%	+4.90	3 / 33
2023	+11.13%	+6.65%	+4.49	9 / 33
2022	+3.32%	-0.18%	+3.50	11 / 33
2021	+12.98%	+6.74%	+6.24	7 / 33
2020	+10.06%	+5.49%	+4.56	8 / 33
2019	+2.86%	+2.15%	+0.71	13 / 33
2018	+3.56%	-3.43%	+6.99	2 / 33
2017	+12.04%	+4.29%	+7.75	3 / 33
2016	+8.75%	+4.98%	+3.77	8 / 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

+9.10%

234 windows

min -9.2% · max 26.5%

94% positive

3-Year rolling

+9.04%

210 windows

min 1.1% · max 15.3%

100% positive

5-Year rolling

+8.93%

186 windows

min 3.8% · max 12.5%

100% positive

7-Year rolling

+8.86%

161 windows

min 7.0% · max 11.9%

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

3.69%

3-year · annualised

Sharpe ratio

0.31

vs risk-free 6.5%

Sortino ratio

0.74

Downside-only deviation

Max drawdown

-4.59%

Jan 2026 → Mar 2026

% positive months

72.2%

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	₹69.5021
9 Jun 2026	₹69.5787
8 Jun 2026	₹69.2476
5 Jun 2026	₹69.3127
4 Jun 2026	₹69.1555
3 Jun 2026	₹69.1087
2 Jun 2026	₹69.1804
1 Jun 2026	₹69.0733
29 May 2026	₹69.1864
27 May 2026	₹69.3570

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 PAYMENT is ₹69.5021. 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 PAYMENT 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 PAYMENT 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 PAYMENT has delivered a absolute return of -0.02% — +2.09 pp ahead of the Conservative Hybrid Fund category average of -2.11%. The fund ranks #12 of 33 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI - MIS-ADVANTAGE-MONTHLY PAYMENT has delivered a CAGR of 7.85% — +4.11 pp ahead of the Conservative Hybrid Fund category average of 3.74%. The fund ranks #9 of 33 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI - MIS-ADVANTAGE-MONTHLY PAYMENT has delivered a CAGR of 7.83% — +4.55 pp ahead of the Conservative Hybrid Fund category average of 3.28%. The fund ranks #5 of 33 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI - MIS-ADVANTAGE-MONTHLY PAYMENT exactly 10 years ago would be worth approximately ₹209,878 today — a multiplier of 2.10×, based on the 10-year CAGR of 7.70%. 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 PAYMENT over the last 5 years — total invested ₹600,000 — would be worth ₹711,334 today. That's an XIRR (money-weighted annualised return) of 6.74%.

A ₹10,000 monthly SIP for 10 years in UTI - MIS-ADVANTAGE-MONTHLY PAYMENT = ₹1,200,000 invested. It would currently be worth ₹1,771,052 (multiplier 1.48×). XIRR: 7.55%. 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 PAYMENT ranks #5 out of 33 funds in the Conservative Hybrid Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 3.28%; this fund delivered 7.83%.

The worst peak-to-trough decline UTI - MIS-ADVANTAGE-MONTHLY PAYMENT has experienced over the last 5-year window is 5.18% — 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 - MIS-ADVANTAGE-MONTHLY PAYMENT averaged 8.93% (best 12.51%, worst 3.83%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.29 — weak risk-adjusted performance.

In calendar year 2025, UTI - MIS-ADVANTAGE-MONTHLY PAYMENT returned 6.10% — beating the Conservative Hybrid Fund category average of 1.83% by 4.28 pp. It ranked #8 of 33 in its category that year.

UTI - MIS-ADVANTAGE-MONTHLY PAYMENT 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 PAYMENT 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: 5.2%. 5-year CAGR: 7.83%.

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

UTI - MIS-ADVANTAGE-MONTHLY PAYMENT

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Conservative Hybrid Fund

Recent NAVs

Frequently asked questions

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