Should I invest in UTI-Auto Sector Fund-Income Option?

We don't give personal investment advice. UTI-Auto Sector Fund-Income Option is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 25.4%. 5-year CAGR: 16.80%.

UTI

UTI-Auto Sector Fund-Income Option

Latest NAV

₹125.2102

As of

3 Jun 2026

4,959 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	+0.59%	+0.28%	+0.31	24 / 122	Q1
1W	-1.51%	-1.28%	-0.23	59 / 122	Q2
2W	+1.13%	+0.09%	+1.04	37 / 122	Q2
1M	-0.97%	-0.62%	-0.35	57 / 122	Q2
3M	-4.33%	+1.50%	-5.83	103 / 122	Q4
6M	-8.80%	-2.06%	-6.74	94 / 122	Q4
YTD	-8.86%	-1.85%	-7.01	97 / 122	Q4
1Y	+7.01%	+2.44%	+4.57	34 / 119	Q2
2Y	+2.17%	+3.47%	-1.30	54 / 116	Q2
3Y	+17.90%	+14.90%	+3.01	42 / 112	Q2
4Y	+19.24%	+14.65%	+4.58	25 / 105	Q1
5Y	+16.80%	+12.36%	+4.44	23 / 104	Q1
7Y	+16.20%	+13.76%	+2.44	37 / 99	Q2
10Y	+11.96%	+11.67%	+0.29	51 / 93	Q3
Inception	+9.53%	+10.81%	-1.28	68 / 122	Q3

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	-8.86%	-2.01%	-6.85	93 / 118
2025	+18.28%	+3.20%	+15.09	8 / 115
2024	+18.73%	+19.60%	-0.87	53 / 113
2023	+39.25%	+31.56%	+7.69	33 / 108
2022	+14.69%	+2.19%	+12.51	16 / 104
2021	+23.07%	+32.41%	-9.34	64 / 102
2020	+11.30%	+18.32%	-7.02	59 / 100
2019	-8.57%	+5.50%	-14.08	95 / 97
2018	-18.80%	-10.07%	-8.73	75 / 94
2017	+36.32%	+30.10%	+6.22	35 / 93
2016	-4.34%	-0.25%	-4.09	68 / 93

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

+16.51%

234 windows

min -50.6% · max 148.1%

68% positive

3-Year rolling

+14.54%

210 windows

min -23.9% · max 52.5%

80% positive

5-Year rolling

+14.07%

185 windows

min -10.6% · max 31.8%

90% positive

7-Year rolling

+13.73%

161 windows

min -4.2% · max 28.7%

99% 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

16.92%

3-year · annualised

Sharpe ratio

0.68

vs risk-free 6.5%

Sortino ratio

0.97

Downside-only deviation

Max drawdown

-25.35%

Sep 2024 → Apr 2025

% positive months

80.6%

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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - Growth Option	HDFC	₹16.8310	3 Jun 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹27.7005	3 Jun 2026
Magnum Equity Fund -Dividend	SBI	₹71.4772	3 Jun 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.5700	3 Jun 2026
Franklin Asian Equity Fund - Dividend Plan	Franklin Templeton	₹21.5824	3 Jun 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.2801	3 Jun 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹67.0980	3 Jun 2026
Canara Robeco Infrastructure-DIVIDEND	Canara Robeco	₹64.3200	3 Jun 2026
UTI - MNC Fund (UGS 10000)-Growth Option	UTI	₹382.6597	3 Jun 2026
BANK OF INDIA Manufacturing & Infrastructure Fund-Growth	Bank of India	₹62.7500	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹125.2102
2 Jun 2026	₹125.2897
1 Jun 2026	₹124.5491
29 May 2026	₹126.2355
27 May 2026	₹128.4538
26 May 2026	₹127.2135
25 May 2026	₹127.4009
22 May 2026	₹125.2516
21 May 2026	₹125.0281
20 May 2026	₹124.3433

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-Auto Sector Fund-Income Option is ₹125.2102. It's a Sectoral/Thematic Fund from UTI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

UTI-Auto Sector Fund-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-Auto Sector Fund-Income Option is managed by UTI. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI-Auto Sector Fund-Income Option has delivered a absolute return of 7.01% — +4.57 pp ahead of the Sectoral/Thematic Fund category average of 2.44%. The fund ranks #34 of 119 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI-Auto Sector Fund-Income Option has delivered a CAGR of 17.90% — +3.01 pp ahead of the Sectoral/Thematic Fund category average of 14.90%. The fund ranks #42 of 112 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI-Auto Sector Fund-Income Option has delivered a CAGR of 16.80% — +4.44 pp ahead of the Sectoral/Thematic Fund category average of 12.36%. The fund ranks #23 of 104 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI-Auto Sector Fund-Income Option exactly 10 years ago would be worth approximately ₹309,394 today — a multiplier of 3.09×, based on the 10-year CAGR of 11.96%. The category average over the same window would have grown ₹1 lakh to ₹301,430.

A ₹10,000 monthly SIP in UTI-Auto Sector Fund-Income Option over the last 5 years — total invested ₹600,000 — would be worth ₹886,802 today. That's an XIRR (money-weighted annualised return) of 15.61%.

A ₹10,000 monthly SIP for 10 years in UTI-Auto Sector Fund-Income Option = ₹1,200,000 invested. It would currently be worth ₹2,547,064 (multiplier 2.12×). XIRR: 14.39%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI-Auto Sector Fund-Income Option ranks #23 out of 104 funds in the Sectoral/Thematic Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 12.36%; this fund delivered 16.80%.

The worst peak-to-trough decline UTI-Auto Sector Fund-Income Option has experienced over the last 5-year window is 25.35% — its NAV fell from a high on 27 Sep 2024 to a low on 07 Apr 2025. 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-Auto Sector Fund-Income Option averaged 14.07% (best 31.81%, worst -10.62%). 90% of rolling windows ended positive. The 5-year Sharpe ratio is 0.64 — reasonable risk-adjusted performance.

In calendar year 2025, UTI-Auto Sector Fund-Income Option returned 18.28% — beating the Sectoral/Thematic Fund category average of 3.20% by 15.09 pp. It ranked #8 of 115 in its category that year.

UTI-Auto Sector Fund-Income Option is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. UTI-Auto Sector Fund-Income Option is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 25.4%. 5-year CAGR: 16.80%.

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