UTI

UTI Capital Protection Orinted Scheme - Plan 5 years- Income Option

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%	-9.99%	+9.99	585 / 1129	Q3
1W	-27.96%	-13.04%	-14.93	1018 / 1151	Q4
2W	-27.79%	-13.18%	-14.61	1014 / 1149	Q4
1M	-26.85%	-13.26%	-13.59	1000 / 1137	Q4
3M	-25.68%	-13.15%	-12.53	974 / 1116	Q4
6M	-25.83%	-15.45%	-10.38	759 / 906	Q4
YTD	-25.38%	-15.77%	-9.60	793 / 952	Q4
1Y	-24.74%	-13.09%	-11.66	684 / 820	Q4
2Y	-11.49%	-12.72%	+1.23	371 / 446	Q4
3Y	-1.98%	-11.01%	+9.03	315 / 385	Q4
4Y	-2.94%	-6.52%	+3.57	296 / 339	Q4
5Y	-0.12%	-7.36%	+7.25	246 / 314	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.12%	-13.63%	+13.52	792 / 1199	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
2012 YTD	-25.38%	+1.38%	-26.76	284 / 295
2011	-1.81%	-3.16%	+1.35	257 / 317
2010	+5.03%	-5.78%	+10.81	76 / 377
2009	+22.11%	-12.86%	+34.97	12 / 713
2008	-11.02%	-2.02%	-9.00	339 / 380
2007	—	—	—	—

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

+5.61%

49 windows

min -24.7% · max 30.2%

73% positive

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

3-Year rolling

+7.53%

25 windows

min -2.0% · max 11.4%

96% positive

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

5-Year rolling

-0.12%

1 window

min -0.1% · max -0.1%

0% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

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

16.87%

3-year · annualised

Sharpe ratio

-0.40

vs risk-free 6.5%

Sortino ratio

-0.44

Downside-only deviation

Max drawdown

-28.10%

Nov 2010 → Feb 2012

% positive months

58.3%

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.

Recent NAVs

Date	NAV
21 Feb 2012	₹10.0000
17 Feb 2012	₹13.8916
16 Feb 2012	₹13.8894
15 Feb 2012	₹13.8905
14 Feb 2012	₹13.8820
13 Feb 2012	₹13.8769
10 Feb 2012	₹13.8684
9 Feb 2012	₹13.8755
8 Feb 2012	₹13.8664
7 Feb 2012	₹13.8493

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.

UTI Capital Protection Orinted Scheme - Plan 5 years- Income Option is a Income from UTI (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

UTI Capital Protection Orinted Scheme - Plan 5 years- Income Option has NAV history starting from 23 Feb 2007, a track record of about 19 years 3 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 Capital Protection Orinted Scheme - Plan 5 years- Income Option is managed by UTI. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI Capital Protection Orinted Scheme - Plan 5 years- Income Option has delivered a absolute return of -24.74% — -11.66 pp behind the Income category average of -13.09%. The fund ranks #684 of 820 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Capital Protection Orinted Scheme - Plan 5 years- Income Option has delivered a CAGR of -1.98% — +9.03 pp ahead of the Income category average of -11.01%. The fund ranks #315 of 385 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, UTI Capital Protection Orinted Scheme - Plan 5 years- Income Option has delivered a CAGR of -0.12% — +7.25 pp ahead of the Income category average of -7.36%. The fund ranks #246 of 314 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI Capital Protection Orinted Scheme - Plan 5 years- Income Option exactly 5 years ago would be worth approximately ₹99,419 today — a multiplier of 0.99×, based on the 5-year CAGR of -0.12%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in UTI Capital Protection Orinted Scheme - Plan 5 years- Income Option over the last 5 years — total invested ₹600,000 — would be worth ₹504,835 today. That's an XIRR (money-weighted annualised return) of -6.74%.

UTI Capital Protection Orinted Scheme - Plan 5 years- Income Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹504,835 — XIRR -6.74%.

On a 5-year basis, UTI Capital Protection Orinted Scheme - Plan 5 years- Income Option ranks #246 out of 314 funds in the Income 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 -0.12%.

The worst peak-to-trough decline UTI Capital Protection Orinted Scheme - Plan 5 years- Income Option has experienced over the last 5-year window is 28.10% — its NAV fell from a high on 10 Nov 2010 to a low on 21 Feb 2012. 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 Capital Protection Orinted Scheme - Plan 5 years- Income Option averaged -0.12% (best -0.12%, worst -0.12%). 0% of rolling windows ended positive. The 5-year Sharpe ratio is -0.37 — negative risk-adjusted performance.

In calendar year 2011, UTI Capital Protection Orinted Scheme - Plan 5 years- Income Option returned -1.81% — beating the Income category average of -3.16% by 1.35 pp. It ranked #257 of 317 in its category that year.

UTI Capital Protection Orinted Scheme - Plan 5 years- Income 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 Capital Protection Orinted Scheme - Plan 5 years- Income 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: 28.1%. 5-year CAGR: -0.12%.

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