Should I invest in UTI Annual Interval Fund - I?

We don't give personal investment advice. UTI Annual Interval Fund - I - Direct Plan - Growth Option 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: 0.2%. 5-year CAGR: 6.35%.

UTI

UTI Annual Interval Fund - I - Direct Plan - Growth Option

Latest NAV

₹36.4851

As of

3 Jun 2026

3,088 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	+0.01%	-2.27%	+2.28	296 / 1079	Q2
1W	+0.10%	-2.66%	+2.76	399 / 945	Q2
2W	+0.19%	-2.62%	+2.81	403 / 930	Q2
1M	+0.40%	-2.43%	+2.82	411 / 924	Q2
3M	+1.32%	-1.42%	+2.74	424 / 916	Q2
6M	+2.56%	-0.05%	+2.62	476 / 876	Q3
YTD	+2.13%	-0.27%	+2.40	397 / 880	Q2
1Y	+5.33%	+3.14%	+2.19	523 / 835	Q3
2Y	+6.03%	+4.08%	+1.95	656 / 807	Q4
3Y	+6.32%	+4.43%	+1.89	682 / 800	Q4
4Y	+6.16%	+7.85%	-1.69	144 / 164	Q4
5Y	+6.35%	+7.36%	-1.01	42 / 77	Q3
7Y	+5.62%	+6.45%	-0.83	28 / 39	Q3
10Y	+5.67%	+6.61%	-0.94	20 / 21	Q4
Inception	+6.43%	+5.01%	+1.42	873 / 1079	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	+2.13%	+1.71%	+0.43	34 / 91
2025	+5.98%	+6.90%	-0.91	85 / 98
2024	+6.91%	+9.13%	-2.21	94 / 103
2023	+6.68%	+7.13%	-0.45	75 / 89
2022	+4.36%	-1.01%	+5.37	34 / 220
2021	+6.88%	-0.37%	+7.24	36 / 366
2020	+4.58%	+6.75%	-2.17	350 / 486
2019	-0.41%	+7.15%	-7.56	493 / 524
2018	+7.63%	+5.66%	+1.98	19 / 269
2017	+7.20%	+6.29%	+0.92	85 / 279
2016	+8.21%	+8.41%	-0.20	146 / 241

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

+6.32%

144 windows

min -0.8% · max 10.0%

96% positive

3-Year rolling

+6.02%

120 windows

min 3.0% · max 9.0%

100% positive

5-Year rolling

+5.71%

96 windows

min 4.4% · max 8.4%

100% positive

7-Year rolling

+5.55%

71 windows

min 4.9% · max 6.8%

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

0.24%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.03%

Oct 2023 → Oct 2023

% positive months

100.0%

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 Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC FMP 1269D March 2023 - Growth Option - Direct Plan	HDFC	₹12.5263	3 Jun 2026
Nippon India Fixed Maturity Plan - XLIII - Series 1- Direct Plan - Growth Option	Nippon India	₹13.3582	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth	SBI	₹17.3852	3 Jun 2026
ICICI Prudential Bond Fund - Direct Plan - Growth	ICICI Prudential	₹43.7788	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN-GROWTH (3652 days)	Bandhan	₹17.7320	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Direct Plan - Growth Option	Aditya Birla Sun Life	₹13.5023	3 Jun 2026
Franklin India Medium to Long Duration Fund - Direct Growth	Franklin India	₹11.0072	3 Jun 2026
Kotak Bond Fund - Growth - Direct	Kotak	₹88.1692	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Direct - Growth	DSP	₹13.2410	3 Jun 2026
HSBC Medium to Long Duration Fund - Direct Growth	HSBC	₹47.7483	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹36.4851
2 Jun 2026	₹36.4801
1 Jun 2026	₹36.4751
29 May 2026	₹36.4598
27 May 2026	₹36.4496
26 May 2026	₹36.4446
25 May 2026	₹36.4396
22 May 2026	₹36.4245
21 May 2026	₹36.4194
20 May 2026	₹36.4144

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 03 Jun 2026, the NAV of UTI Annual Interval Fund - I - Direct Plan - Growth Option is ₹36.4851. It's a Medium to Long Duration Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Annual Interval Fund - I - Direct Plan - Growth Option has NAV history starting from 13 Aug 2013, a track record of about 12 years 9 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

UTI Annual Interval Fund - I - Direct Plan - Growth Option is managed by UTI. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Annual Interval Fund - I - Direct Plan - Growth Option has delivered a absolute return of 5.33% — +2.19 pp ahead of the Medium to Long Duration Fund category average of 3.14%. The fund ranks #523 of 835 in its category — the third (Q3) quartile.

Over the trailing 3-year window, UTI Annual Interval Fund - I - Direct Plan - Growth Option has delivered a CAGR of 6.32% — +1.89 pp ahead of the Medium to Long Duration Fund category average of 4.43%. The fund ranks #682 of 800 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI Annual Interval Fund - I - Direct Plan - Growth Option has delivered a CAGR of 6.35% — -1.01 pp behind the Medium to Long Duration Fund category average of 7.36%. The fund ranks #42 of 77 in its category — the third (Q3) quartile.

₹1 lakh invested in UTI Annual Interval Fund - I - Direct Plan - Growth Option exactly 10 years ago would be worth approximately ₹173,548 today — a multiplier of 1.74×, based on the 10-year CAGR of 5.67%. The category average over the same window would have grown ₹1 lakh to ₹189,685.

A ₹10,000 monthly SIP in UTI Annual Interval Fund - I - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹700,622 today. That's an XIRR (money-weighted annualised return) of 6.13%.

A ₹10,000 monthly SIP for 10 years in UTI Annual Interval Fund - I - Direct Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,601,827 (multiplier 1.33×). XIRR: 5.63%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Annual Interval Fund - I - Direct Plan - Growth Option ranks #42 out of 77 funds in the Medium to Long Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 7.36%; this fund delivered 6.35%.

The worst peak-to-trough decline UTI Annual Interval Fund - I - Direct Plan - Growth Option has experienced over the last 5-year window is 0.23% — its NAV fell from a high on 13 Sep 2022 to a low on 27 Sep 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 Annual Interval Fund - I - Direct Plan - Growth Option averaged 5.71% (best 8.43%, worst 4.35%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.20 — negative risk-adjusted performance.

In calendar year 2025, UTI Annual Interval Fund - I - Direct Plan - Growth Option returned 5.98% — lagging the Medium to Long Duration Fund category average of 6.90% by 0.91 pp. It ranked #85 of 98 in its category that year.

UTI Annual Interval Fund - I - Direct Plan - Growth Option 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 Annual Interval Fund - I - Direct Plan - Growth Option 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: 0.2%. 5-year CAGR: 6.35%.

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

UTI Annual Interval Fund - I - Direct Plan - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Medium to Long Duration Fund

Recent NAVs

Frequently asked questions

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