Should I invest in UTI Annual Interval Fund - II?

We don't give personal investment advice. UTI Annual Interval Fund - II - 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: 0.0%. 5-year CAGR: 5.30%.

UTI

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

Latest NAV

₹33.7464

As of

25 Mar 2025

2,761 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	+0.02%	-2.27%	+2.29	221 / 1079	Q1
1W	+0.11%	-2.66%	+2.78	282 / 945	Q2
2W	+0.23%	-2.62%	+2.84	296 / 930	Q2
1M	+0.47%	-2.43%	+2.90	321 / 924	Q2
3M	+1.55%	-1.42%	+2.97	314 / 916	Q2
6M	+3.19%	-0.05%	+3.24	314 / 876	Q2
YTD	+1.41%	-0.27%	+1.68	615 / 880	Q3
1Y	+6.88%	+3.14%	+3.73	329 / 835	Q2
2Y	+6.89%	+4.08%	+2.81	521 / 807	Q3
3Y	+6.38%	+4.43%	+1.95	678 / 800	Q4
4Y	+5.55%	+7.85%	-2.30	148 / 164	Q4
5Y	+5.30%	+7.36%	-2.06	63 / 77	Q4
7Y	+5.42%	+6.45%	-1.03	33 / 39	Q4
10Y	+6.08%	+6.61%	-0.53	16 / 21	Q4
Inception	+6.47%	+5.01%	+1.46	867 / 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
2025 YTD	+1.41%	+6.90%	-5.49	95 / 98
2024	+6.96%	+9.13%	-2.16	93 / 103
2023	+6.93%	+7.13%	-0.20	67 / 89
2022	+4.49%	-1.01%	+5.50	30 / 220
2021	+3.01%	-0.37%	+3.37	213 / 366
2020	+4.72%	+6.75%	-2.03	348 / 486
2019	+5.36%	+7.15%	-1.79	375 / 524
2018	+6.65%	+5.66%	+0.99	114 / 269
2017	+7.03%	+6.29%	+0.74	106 / 279
2016	+7.86%	+8.41%	-0.55	167 / 241
2015	+8.25%	+7.38%	+0.87	136 / 184

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

+6.36%

128 windows

min 2.9% · max 9.5%

100% positive

3-Year rolling

+5.99%

103 windows

min 3.9% · max 8.6%

100% positive

5-Year rolling

+5.88%

79 windows

min 4.8% · max 7.9%

100% positive

7-Year rolling

+5.88%

55 windows

min 5.4% · max 7.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

0.32%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.05%

Mar 2023 → Mar 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
25 Mar 2025	₹33.7464
24 Mar 2025	₹33.7410
21 Mar 2025	₹33.7244
20 Mar 2025	₹33.7189
19 Mar 2025	₹33.7135
18 Mar 2025	₹33.7080
17 Mar 2025	₹33.7025
13 Mar 2025	₹33.6805
12 Mar 2025	₹33.6750
11 Mar 2025	₹33.6696

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 25 Mar 2025, the NAV of UTI Annual Interval Fund - II - Direct Plan - Growth Option is ₹33.7464. 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 - II - Direct Plan - Growth Option has NAV history starting from 15 Oct 2013, a track record of about 12 years 7 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 - II - 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 - II - Direct Plan - Growth Option has delivered a absolute return of 6.88% — +3.73 pp ahead of the Medium to Long Duration Fund category average of 3.14%. The fund ranks #329 of 835 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Annual Interval Fund - II - Direct Plan - Growth Option has delivered a CAGR of 6.38% — +1.95 pp ahead of the Medium to Long Duration Fund category average of 4.43%. The fund ranks #678 of 800 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI Annual Interval Fund - II - Direct Plan - Growth Option has delivered a CAGR of 5.30% — -2.06 pp behind the Medium to Long Duration Fund category average of 7.36%. The fund ranks #63 of 77 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI Annual Interval Fund - II - Direct Plan - Growth Option exactly 10 years ago would be worth approximately ₹180,438 today — a multiplier of 1.80×, based on the 10-year CAGR of 6.08%. 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 - II - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹697,034 today. That's an XIRR (money-weighted annualised return) of 5.93%.

A ₹10,000 monthly SIP for 10 years in UTI Annual Interval Fund - II - Direct Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,607,055 (multiplier 1.34×). XIRR: 5.70%. 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 - II - Direct Plan - Growth Option ranks #63 out of 77 funds in the Medium to Long Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 7.36%; this fund delivered 5.30%.

The worst peak-to-trough decline UTI Annual Interval Fund - II - Direct Plan - Growth Option has experienced over the last 5-year window is 0.05% — its NAV fell from a high on 09 Mar 2023 to a low on 10 Mar 2023. 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 - II - Direct Plan - Growth Option averaged 5.88% (best 7.91%, worst 4.80%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.96 — negative risk-adjusted performance.

In calendar year 2024, UTI Annual Interval Fund - II - Direct Plan - Growth Option returned 6.96% — lagging the Medium to Long Duration Fund category average of 9.13% by 2.16 pp. It ranked #93 of 103 in its category that year.

UTI Annual Interval Fund - II - 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 - II - 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: 0.0%. 5-year CAGR: 5.30%.

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

UTI Annual Interval Fund - II - 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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