Should I invest in UTI â€“ Balanced Fund-Income?

We don't give personal investment advice. UTI â€“ Balanced Fund-Income 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: 20.0%. 5-year CAGR: 4.23%.

UTI

UTI â€“ Balanced Fund-Income

Latest NAV

₹40.0276

As of

17 Jul 2026

4,985 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	+0.23%	+0.27%	-0.04	26 / 34	Q4
1W	-0.31%	+0.10%	-0.42	30 / 34	Q4
2W	+0.07%	+0.11%	-0.04	19 / 34	Q3
1M	+1.43%	+1.33%	+0.10	17 / 34	Q2
3M	-1.42%	+1.78%	-3.20	32 / 34	Q4
6M	-5.91%	-1.13%	-4.78	27 / 33	Q4
YTD	-6.86%	-2.97%	-3.89	26 / 33	Q4
1Y	-8.30%	-2.16%	-6.14	26 / 33	Q4
2Y	-6.16%	-1.24%	-4.92	27 / 33	Q4
3Y	+3.58%	+7.06%	-3.47	24 / 33	Q3
4Y	+6.01%	+9.03%	-3.02	23 / 32	Q3
5Y	+4.23%	+7.52%	-3.29	22 / 30	Q3
7Y	+6.26%	+9.73%	-3.47	22 / 30	Q3
10Y	+3.32%	+7.68%	-4.37	22 / 29	Q4
Inception	+3.37%	+6.55%	-3.18	26 / 34	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
2026 YTD	-6.86%	-3.27%	-3.59	24 / 31
2025	-2.43%	+2.10%	-4.54	21 / 31
2024	+10.27%	+12.84%	-2.57	18 / 31
2023	+20.11%	+17.18%	+2.93	8 / 31
2022	-2.09%	+1.09%	-3.18	21 / 31
2021	+21.51%	+23.51%	-2.01	21 / 31
2020	+8.02%	+10.62%	-2.59	18 / 31
2019	-5.67%	+3.54%	-9.21	30 / 32
2018	-15.61%	-7.66%	-7.95	30 / 32
2017	+13.38%	+16.43%	-3.05	20 / 32
2016	+0.01%	+2.00%	-1.99	17 / 26

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

+5.46%

236 windows

min -49.8% · max 65.3%

57% positive

3-Year rolling

+4.74%

211 windows

min -13.8% · max 19.7%

74% positive

5-Year rolling

+4.32%

187 windows

min -8.8% · max 17.8%

81% positive

7-Year rolling

+3.88%

163 windows

min -1.6% · max 10.4%

98% 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

9.71%

3-year · annualised

Sharpe ratio

-0.25

vs risk-free 6.5%

Sortino ratio

-0.37

Downside-only deviation

Max drawdown

-19.95%

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 Aggressive Hybrid Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA AGGRESSIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
SBI Magnum Balanced Fund - Dividend	SBI	₹66.9211	17 Jul 2026
ICICI Prudential Balanced Plan-Dividend	ICICI Prudential	₹43.5700	17 Jul 2026
FT India Balanced Fund-Dividend Plan	Franklin Templeton	₹28.4960	17 Jul 2026
Kotak Balance	Kotak Mahindra	₹38.2850	17 Jul 2026
DSP BlackRock Balanced Fund-Dividend	DSP BlackRock	₹27.0800	17 Jul 2026
Canara Robeco Balance - Dividend Plan	Canara Robeco	₹92.1900	17 Jul 2026
UTI â€“ Balanced Fund-Growth	UTI	₹408.2704	17 Jul 2026
PGIM India Aggressive Hybrid Equity Fund - Dividend Option	PGIM India	₹13.9200	17 Jul 2026
Birla Sun Life 95 Fund-Plan A (Dividend)	Birla Sun Life	₹172.1500	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹40.0276
16 Jul 2026	₹39.9374
15 Jul 2026	₹39.9263
14 Jul 2026	₹39.9227
13 Jul 2026	₹40.1993
10 Jul 2026	₹40.1536
9 Jul 2026	₹39.8478
8 Jul 2026	₹39.6065
7 Jul 2026	₹40.1760
6 Jul 2026	₹40.1738

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 17 Jul 2026, the NAV of UTI â€“ Balanced Fund-Income is ₹40.0276. It's a Aggressive Hybrid Fund from UTI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI â€“ Balanced Fund-Income has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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 â€“ Balanced Fund-Income is managed by UTI. It's classified by AMFI under the 'Aggressive Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI â€“ Balanced Fund-Income has delivered a absolute return of -8.30% — -6.14 pp behind the Aggressive Hybrid Fund category average of -2.16%. The fund ranks #26 of 33 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI â€“ Balanced Fund-Income has delivered a CAGR of 3.58% — -3.47 pp behind the Aggressive Hybrid Fund category average of 7.06%. The fund ranks #24 of 33 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI â€“ Balanced Fund-Income has delivered a CAGR of 4.23% — -3.29 pp behind the Aggressive Hybrid Fund category average of 7.52%. The fund ranks #22 of 30 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI â€“ Balanced Fund-Income exactly 10 years ago would be worth approximately ₹138,577 today — a multiplier of 1.39×, based on the 10-year CAGR of 3.32%. The category average over the same window would have grown ₹1 lakh to ₹209,676.

A ₹10,000 monthly SIP in UTI â€“ Balanced Fund-Income over the last 5 years — total invested ₹600,000 — would be worth ₹638,541 today. That's an XIRR (money-weighted annualised return) of 2.46%.

A ₹10,000 monthly SIP for 10 years in UTI â€“ Balanced Fund-Income = ₹1,200,000 invested. It would currently be worth ₹1,512,927 (multiplier 1.26×). XIRR: 4.53%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI â€“ Balanced Fund-Income ranks #22 out of 30 funds in the Aggressive Hybrid Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 7.52%; this fund delivered 4.23%.

The worst peak-to-trough decline UTI â€“ Balanced Fund-Income has experienced over the last 5-year window is 19.95% — its NAV fell from a high on 26 Sep 2024 to a low on 30 Mar 2026. 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 â€“ Balanced Fund-Income averaged 4.32% (best 17.75%, worst -8.82%). 81% of rolling windows ended positive. The 5-year Sharpe ratio is -0.16 — negative risk-adjusted performance.

In calendar year 2025, UTI â€“ Balanced Fund-Income returned -2.43% — lagging the Aggressive Hybrid Fund category average of 2.10% by 4.54 pp. It ranked #21 of 31 in its category that year.

UTI â€“ Balanced Fund-Income 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 â€“ Balanced Fund-Income 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: 20.0%. 5-year CAGR: 4.23%.

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