Should I invest in UTI - Variable Investment Scheme-Income Option?

We don't give personal investment advice. UTI - Variable Investment Scheme-Income Option 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: 51.4%. 5-year CAGR: -1.47%.

UTI

UTI - Variable Investment Scheme-Income 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	+0.55%	+0.06%	+0.50	6 / 37	Q1
1W	+3.73%	-7.52%	+11.25	4 / 40	Q1
2W	+3.22%	-7.64%	+10.87	2 / 40	Q1
1M	+5.14%	-7.66%	+12.80	5 / 40	Q1
3M	-2.12%	-9.18%	+7.06	24 / 40	Q3
6M	-0.36%	-5.67%	+5.31	24 / 39	Q3
YTD	-2.85%	-3.70%	+0.85	27 / 40	Q3
1Y	+8.89%	-4.99%	+13.88	15 / 41	Q2
2Y	+22.86%	-11.97%	+34.82	3 / 40	Q1
3Y	+1.97%	-14.60%	+16.56	18 / 38	Q2
4Y	-0.26%	-20.79%	+20.53	16 / 29	Q3
5Y	-1.47%	-6.40%	+4.93	21 / 25	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-1.48%	-12.19%	+10.71	35 / 44	Q4

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
2011 YTD	-2.85%	-16.46%	+13.61	7 / 29
2010	+12.35%	-7.06%	+19.40	12 / 32
2009	+34.27%	+37.12%	-2.85	17 / 31
2008	-40.43%	-26.22%	-14.21	24 / 29
2007	+8.34%	+32.50%	-24.15	12 / 12
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

+0.30%

49 windows

min -45.4% · max 49.5%

55% positive

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

3-Year rolling

-5.28%

25 windows

min -12.7% · max 2.0%

4% positive

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

5-Year rolling

-1.47%

1 window

min -1.5% · max -1.5%

0% positive

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

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

22.07%

3-year · annualised

Sharpe ratio

-0.09

vs risk-free 6.5%

Sortino ratio

-0.12

Downside-only deviation

Max drawdown

-41.48%

May 2008 → Mar 2009

% 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.

Recent NAVs

Date	NAV
30 Mar 2011	₹13.0672
29 Mar 2011	₹12.9951
28 Mar 2011	₹12.9177
25 Mar 2011	₹12.8586
24 Mar 2011	₹12.6599
23 Mar 2011	₹12.5970
22 Mar 2011	₹12.5043
21 Mar 2011	₹12.4406
18 Mar 2011	₹12.4581
17 Mar 2011	₹12.5718

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 - Variable Investment Scheme-Income Option is a Balanced 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 - Variable Investment Scheme-Income 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 - Variable Investment Scheme-Income Option is managed by UTI. It's classified by AMFI under the 'Balanced' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI - Variable Investment Scheme-Income Option has delivered a absolute return of 8.89% — +13.88 pp ahead of the Balanced category average of -4.99%. The fund ranks #15 of 41 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI - Variable Investment Scheme-Income Option has delivered a CAGR of 1.97% — +16.56 pp ahead of the Balanced category average of -14.60%. The fund ranks #18 of 38 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI - Variable Investment Scheme-Income Option has delivered a CAGR of -1.47% — +4.93 pp ahead of the Balanced category average of -6.40%. The fund ranks #21 of 25 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI - Variable Investment Scheme-Income Option exactly 5 years ago would be worth approximately ₹92,842 today — a multiplier of 0.93×, based on the 5-year CAGR of -1.47%. The category average over the same window would have grown ₹1 lakh to ₹71,837.

A ₹10,000 monthly SIP in UTI - Variable Investment Scheme-Income Option over the last 5 years — total invested ₹600,000 — would be worth ₹643,916 today. That's an XIRR (money-weighted annualised return) of 2.79%.

UTI - Variable Investment Scheme-Income Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹643,916 — XIRR 2.79%.

On a 5-year basis, UTI - Variable Investment Scheme-Income Option ranks #21 out of 25 funds in the Balanced category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -6.40%; this fund delivered -1.47%.

The worst peak-to-trough decline UTI - Variable Investment Scheme-Income Option has experienced over the last 5-year window is 51.37% — its NAV fell from a high on 12 Dec 2007 to a low on 09 Mar 2009. 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 - Variable Investment Scheme-Income Option averaged -1.47% (best -1.47%, worst -1.47%). 0% of rolling windows ended positive. The 5-year Sharpe ratio is -0.32 — negative risk-adjusted performance.

In calendar year 2010, UTI - Variable Investment Scheme-Income Option returned 12.35% — beating the Balanced category average of -7.06% by 19.40 pp. It ranked #12 of 32 in its category that year.

UTI - Variable Investment Scheme-Income Option 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 - Variable Investment Scheme-Income Option 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: 51.4%. 5-year CAGR: -1.47%.

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