Should I invest in UTI Bond Fund-Income (for rep. Within 3 months)?

We don't give personal investment advice. UTI Bond Fund-Income (for rep. Within 3 months) 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: 4.0%. 5-year CAGR: 7.27%.

UTI

UTI Bond Fund-Income (for rep. Within 3 months)

Latest NAV

₹19.1604

As of

3 Jun 2026

4,874 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	+0.00%	-8.05%	+8.05	291 / 904	Q2
1W	+0.12%	-11.71%	+11.84	75 / 779	Q1
2W	+0.35%	-11.75%	+12.10	44 / 776	Q1
1M	+0.10%	-11.75%	+11.85	376 / 772	Q2
3M	-0.09%	-11.29%	+11.19	379 / 763	Q2
6M	+0.45%	-10.39%	+10.84	347 / 749	Q2
YTD	+0.36%	-10.45%	+10.80	353 / 747	Q2
1Y	+0.74%	-8.25%	+8.99	338 / 728	Q2
2Y	+5.24%	-5.23%	+10.47	263 / 660	Q2
3Y	+5.46%	-3.98%	+9.44	268 / 644	Q2
4Y	+6.04%	+3.39%	+2.66	44 / 134	Q2
5Y	+7.27%	+3.38%	+3.89	11 / 92	Q1
7Y	+4.93%	+3.38%	+1.55	38 / 76	Q2
10Y	+3.62%	+3.82%	-0.20	38 / 66	Q3
Inception	+2.89%	-1.09%	+3.99	469 / 904	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	+0.36%	+0.07%	+0.29	29 / 49
2025	+5.72%	+2.91%	+2.81	22 / 61
2024	+8.55%	+5.21%	+3.34	8 / 62
2023	+6.33%	+3.66%	+2.67	29 / 69
2022	+8.20%	-8.21%	+16.41	12 / 224
2021	+6.10%	-6.85%	+12.95	21 / 355
2020	-1.22%	+3.44%	-4.65	384 / 433
2019	-5.86%	+4.28%	-10.13	414 / 449
2018	+2.90%	+0.48%	+2.41	120 / 205
2017	-1.52%	+1.61%	-3.13	170 / 223
2016	+8.43%	+3.44%	+4.99	71 / 223

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

+3.10%

234 windows

min -11.2% · max 13.6%

77% positive

3-Year rolling

+2.88%

210 windows

min -3.3% · max 9.7%

84% positive

5-Year rolling

+2.67%

185 windows

min -0.6% · max 7.8%

94% positive

7-Year rolling

+2.46%

161 windows

min 0.5% · max 4.9%

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

2.59%

3-year · annualised

Sharpe ratio

-0.44

vs risk-free 6.5%

Sortino ratio

-1.04

Downside-only deviation

Max drawdown

-1.73%

May 2025 → Aug 2025

% positive months

75.0%

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 Charity Fund for Cancer Cure - IDCW Option - 50% IDCW Donation Option	HDFC	₹10.0419	3 Jun 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - IDCW Option	Nippon India	₹17.0046	3 Jun 2026
SBI Magnum Income Fund-Bonus	SBI	₹43.7200	3 Jun 2026
ICICI Prudential Bond Fund - Half Yearly IDCW	ICICI Prudential	₹11.0548	3 Jun 2026
Franklin India Medium to Long Duration Fund - IDCW	Franklin India	₹10.4210	3 Jun 2026
Canara Robeco Income-Growth Plan	Canara Robeco	₹55.9906	3 Jun 2026
UTI Bond Fund-Growth (for rep. After 6 months- No Load)	UTI	₹74.6017	3 Jun 2026
Birla Sun Life Income Plus (Dividend)	Birla Sun Life	₹12.9049	3 Jun 2026
IDFC - SSIF - Investment Plan - Annual Dividend	IDFC	₹11.6743	3 Jun 2026
JM Income Fund-Dividend	JM Financial	₹21.5269	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹19.1604
2 Jun 2026	₹19.1656
1 Jun 2026	₹19.1656
29 May 2026	₹19.1653
27 May 2026	₹19.1421
26 May 2026	₹19.1419
25 May 2026	₹19.1378
22 May 2026	₹19.0941
21 May 2026	₹19.0832
20 May 2026	₹19.1027

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 Bond Fund-Income (for rep. Within 3 months) is ₹19.1604. It's a Medium to Long Duration Fund from UTI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI Bond Fund-Income (for rep. Within 3 months) 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 Bond Fund-Income (for rep. Within 3 months) 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 Bond Fund-Income (for rep. Within 3 months) has delivered a absolute return of 0.74% — +8.99 pp ahead of the Medium to Long Duration Fund category average of -8.25%. The fund ranks #338 of 728 in its category — the second (Q2) quartile.

Over the trailing 3-year window, UTI Bond Fund-Income (for rep. Within 3 months) has delivered a CAGR of 5.46% — +9.44 pp ahead of the Medium to Long Duration Fund category average of -3.98%. The fund ranks #268 of 644 in its category — the second (Q2) quartile.

Over the trailing 5-year window, UTI Bond Fund-Income (for rep. Within 3 months) has delivered a CAGR of 7.27% — +3.89 pp ahead of the Medium to Long Duration Fund category average of 3.38%. The fund ranks #11 of 92 in its category — the top (Q1) quartile.

₹1 lakh invested in UTI Bond Fund-Income (for rep. Within 3 months) exactly 10 years ago would be worth approximately ₹142,676 today — a multiplier of 1.43×, based on the 10-year CAGR of 3.62%. The category average over the same window would have grown ₹1 lakh to ₹145,412.

A ₹10,000 monthly SIP in UTI Bond Fund-Income (for rep. Within 3 months) over the last 5 years — total invested ₹600,000 — would be worth ₹698,736 today. That's an XIRR (money-weighted annualised return) of 6.03%.

A ₹10,000 monthly SIP for 10 years in UTI Bond Fund-Income (for rep. Within 3 months) = ₹1,200,000 invested. It would currently be worth ₹1,518,505 (multiplier 1.27×). XIRR: 4.60%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Bond Fund-Income (for rep. Within 3 months) ranks #11 out of 92 funds in the Medium to Long Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 3.38%; this fund delivered 7.27%.

The worst peak-to-trough decline UTI Bond Fund-Income (for rep. Within 3 months) has experienced over the last 5-year window is 4.01% — its NAV fell from a high on 14 Dec 2021 to a low on 05 May 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 Bond Fund-Income (for rep. Within 3 months) averaged 2.67% (best 7.77%, worst -0.64%). 94% of rolling windows ended positive. The 5-year Sharpe ratio is 0.14 — weak risk-adjusted performance.

In calendar year 2025, UTI Bond Fund-Income (for rep. Within 3 months) returned 5.72% — beating the Medium to Long Duration Fund category average of 2.91% by 2.81 pp. It ranked #22 of 61 in its category that year.

UTI Bond Fund-Income (for rep. Within 3 months) 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 Bond Fund-Income (for rep. Within 3 months) 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: 4.0%. 5-year CAGR: 7.27%.

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