Should I invest in UTI BSE Housing Index Fund?

We don't give personal investment advice. UTI BSE Housing Index Fund - Direct Plan - Growth Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding.

UTI

UTI BSE Housing Index Fund - Direct Plan - Growth Option

Latest NAV

₹14.4277

As of

17 Jul 2026

763 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	-0.20%	+0.21%	-0.41	286 / 353	Q4
1W	-0.31%	-0.05%	-0.27	239 / 353	Q3
2W	+1.12%	+0.24%	+0.88	19 / 353	Q1
1M	+2.95%	+0.78%	+2.17	28 / 353	Q1
3M	+5.79%	+2.20%	+3.59	35 / 350	Q1
6M	+2.08%	+1.36%	+0.72	196 / 336	Q3
YTD	+0.78%	+0.54%	+0.24	195 / 333	Q3
1Y	-5.46%	+2.69%	-8.16	299 / 318	Q4
2Y	-5.34%	+3.33%	-8.67	201 / 213	Q4
3Y	+11.97%	+10.79%	+1.18	52 / 172	Q2
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+12.76%	+7.52%	+5.25	72 / 353	Q1

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	+0.78%	+0.51%	+0.27	193 / 331
2025	-6.96%	+6.05%	-13.01	241 / 260
2024	+20.42%	+14.12%	+6.30	46 / 180
2023	—	—	—	—

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

+10.29%

26 windows

min -9.5% · max 55.6%

50% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+11.60%

2 windows

min 11.2% · max 12.0%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

18.94%

3-year · annualised

Sharpe ratio

0.35

vs risk-free 6.5%

Sortino ratio

0.56

Downside-only deviation

Max drawdown

-26.63%

Sep 2024 → Mar 2026

% positive months

63.9%

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 Index Fund

Scheme	Fund house	NAV	As of
HDFC Nifty India Consumption Index Fund - Direct Growth Plan	HDFC	₹9.8338	17 Jul 2026
Nippon India Nifty Auto Index Fund - Direct Plan- Growth Option	Nippon India	₹11.6102	17 Jul 2026
SBI BSE PSU BANK INDEX FUND- Direct Plan- Growth	SBI	₹13.4372	17 Jul 2026
ICICI Prudential Nifty Auto Index Fund - Direct Plan - Growth	ICICI Prudential	₹21.8671	17 Jul 2026
Invesco India Nifty Bank Index Fund - Direct Plan - Growth	Invesco	₹10.7996	17 Jul 2026
Bandhan BSE Healthcare Index Fund Direct Plan - Growth	Bandhan	₹11.4943	17 Jul 2026
Aditya Birla Sun Life BSE India Infrastructure Index Fund-Direct Growth	Aditya Birla Sun Life	₹9.3858	17 Jul 2026
Motilal Oswal BSE Financials ex Bank 30 Index Fund Direct Growth	Motilal Oswal	₹17.7853	17 Jul 2026
Kotak BSE Housing Index Fund - Direct Plan - Growth Option	Kotak	₹13.4540	17 Jul 2026
DSP Nifty Bank Index Fund - Direct - Growth	DSP	₹12.0542	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹14.4277
16 Jul 2026	₹14.4563
15 Jul 2026	₹14.4625
14 Jul 2026	₹14.3964
13 Jul 2026	₹14.4609
10 Jul 2026	₹14.4729
9 Jul 2026	₹14.2240
8 Jul 2026	₹13.9887
7 Jul 2026	₹14.2809
6 Jul 2026	₹14.3966

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 BSE Housing Index Fund - Direct Plan - Growth Option is ₹14.4277. It's a Index Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI BSE Housing Index Fund - Direct Plan - Growth Option has NAV history starting from 09 Jun 2023, a track record of about 3 years 1 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

UTI BSE Housing Index Fund - Direct Plan - Growth Option is managed by UTI. It's classified by AMFI under the 'Index Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI BSE Housing Index Fund - Direct Plan - Growth Option has delivered a absolute return of -5.46% — -8.16 pp behind the Index Fund category average of 2.69%. The fund ranks #299 of 318 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI BSE Housing Index Fund - Direct Plan - Growth Option has delivered a CAGR of 11.97% — +1.18 pp ahead of the Index Fund category average of 10.79%. The fund ranks #52 of 172 in its category — the second (Q2) quartile.

UTI BSE Housing Index Fund - Direct Plan - Growth Option doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in UTI BSE Housing Index Fund - Direct Plan - Growth Option exactly 3 years ago would be worth approximately ₹140,381 today — a multiplier of 1.40×, based on the 3-year CAGR of 11.97%. The category average over the same window would have grown ₹1 lakh to ₹136,005.

A ₹10,000 monthly SIP in UTI BSE Housing Index Fund - Direct Plan - Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹381,899 today. That's an XIRR (money-weighted annualised return) of 3.87%.

UTI BSE Housing Index Fund - Direct Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹381,899 — XIRR 3.87%.

On a 3-year basis, UTI BSE Housing Index Fund - Direct Plan - Growth Option ranks #52 out of 172 funds in the Index Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 10.79%; this fund delivered 11.97%.

The worst peak-to-trough decline UTI BSE Housing Index Fund - Direct Plan - Growth Option has experienced over the last 3-year window is 26.63% — its NAV fell from a high on 23 Sep 2024 to a low on 23 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 3-year rolling windows, UTI BSE Housing Index Fund - Direct Plan - Growth Option averaged 11.60% (best 11.97%, worst 11.22%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.35 — weak risk-adjusted performance.

In calendar year 2025, UTI BSE Housing Index Fund - Direct Plan - Growth Option returned -6.96% — lagging the Index Fund category average of 6.05% by 13.01 pp. It ranked #241 of 260 in its category that year.

UTI BSE Housing Index Fund - Direct Plan - Growth Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. UTI BSE Housing Index Fund - Direct Plan - Growth Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding.

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