Should I invest in UTI - MIS?

We don't give personal investment advice. UTI - MIS-Growth 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. Worst 5-year drawdown: 6.9%. 5-year CAGR: 8.66%.

UTI

UTI - MIS-Growth

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	+0.00%	-9.99%	+9.99	325 / 1129	Q2
1W	+0.16%	-13.04%	+13.20	163 / 1151	Q1
2W	-0.47%	-13.18%	+12.71	486 / 1149	Q2
1M	-0.40%	-13.26%	+12.86	494 / 1137	Q2
3M	-0.31%	-13.15%	+12.83	704 / 1116	Q3
6M	+0.04%	-15.45%	+15.50	444 / 906	Q2
YTD	+0.28%	-15.77%	+16.05	389 / 952	Q2
1Y	+5.45%	-13.09%	+18.53	304 / 820	Q2
2Y	+8.47%	-12.72%	+21.19	50 / 446	Q1
3Y	+7.37%	-11.01%	+18.38	71 / 385	Q1
4Y	+9.20%	-6.52%	+15.72	15 / 339	Q1
5Y	+8.66%	-7.36%	+16.02	29 / 314	Q1
7Y	+8.59%	+2.53%	+6.06	16 / 234	Q1
10Y	+8.50%	+3.14%	+5.36	8 / 101	Q1
Inception	+8.49%	-13.63%	+22.12	163 / 1199	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
2018 YTD	+0.28%	+1.30%	-1.02	58 / 90
2017	+8.25%	+1.63%	+6.62	6 / 137
2016	+10.22%	+3.02%	+7.20	18 / 181
2015	+5.67%	+2.22%	+3.45	76 / 216
2014	+16.03%	+5.51%	+10.52	14 / 240
2013	+5.77%	-1.95%	+7.73	78 / 276
2012	+11.52%	+1.38%	+10.14	18 / 295
2011	+2.24%	-3.16%	+5.40	112 / 317
2010	+7.29%	-5.78%	+13.07	19 / 377
2009	+17.65%	-12.86%	+30.51	25 / 713
2008	-0.66%	-2.02%	+1.36	220 / 380

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

+9.06%

136 windows

min -3.8% · max 22.4%

99% positive

3-Year rolling

+9.03%

111 windows

min 5.6% · max 11.7%

100% positive

5-Year rolling

+8.79%

87 windows

min 7.6% · max 10.0%

100% positive

7-Year rolling

+8.79%

63 windows

min 7.9% · max 10.2%

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

3.16%

3-year · annualised

Sharpe ratio

0.25

vs risk-free 6.5%

Sortino ratio

0.66

Downside-only deviation

Max drawdown

-2.63%

Oct 2015 → Feb 2016

% 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.

Recent NAVs

Date	NAV
2 May 2018	₹35.2199
27 Apr 2018	₹35.1704
26 Apr 2018	₹35.1383
25 Apr 2018	₹35.1628
24 Apr 2018	₹35.2531
23 Apr 2018	₹35.2287
20 Apr 2018	₹35.2364
19 Apr 2018	₹35.3030
18 Apr 2018	₹35.3871
17 Apr 2018	₹35.4197

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 - MIS-Growth 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 - MIS-Growth 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-Growth 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 - MIS-Growth has delivered a absolute return of 5.45% — +18.53 pp ahead of the Income category average of -13.09%. The fund ranks #304 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI - MIS-Growth has delivered a CAGR of 7.37% — +18.38 pp ahead of the Income category average of -11.01%. The fund ranks #71 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, UTI - MIS-Growth has delivered a CAGR of 8.66% — +16.02 pp ahead of the Income category average of -7.36%. The fund ranks #29 of 314 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI - MIS-Growth exactly 10 years ago would be worth approximately ₹226,098 today — a multiplier of 2.26×, based on the 10-year CAGR of 8.50%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in UTI - MIS-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹736,943 today. That's an XIRR (money-weighted annualised return) of 8.15%.

A ₹10,000 monthly SIP for 10 years in UTI - MIS-Growth = ₹1,200,000 invested. It would currently be worth ₹1,869,436 (multiplier 1.56×). XIRR: 8.58%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI - MIS-Growth ranks #29 out of 314 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -7.36%; this fund delivered 8.66%.

The worst peak-to-trough decline UTI - MIS-Growth has experienced over the last 5-year window is 6.87% — its NAV fell from a high on 17 May 2013 to a low on 19 Aug 2013. 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-Growth averaged 8.79% (best 10.05%, worst 7.55%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.50 — weak risk-adjusted performance.

In calendar year 2017, UTI - MIS-Growth returned 8.25% — beating the Income category average of 1.63% by 6.62 pp. It ranked #6 of 137 in its category that year.

UTI - MIS-Growth 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 - MIS-Growth 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. Worst 5-year drawdown: 6.9%. 5-year CAGR: 8.66%.

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

UTI - MIS-Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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