Should I invest in UTI CC-BOND-Income?

We don't give personal investment advice. UTI CC-BOND-Income 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. Worst 5-year drawdown: 21.7%. 5-year CAGR: 8.08%.

UTI

UTI CC-BOND-Income

Latest NAV

₹81.7119

As of

17 Jul 2026

4,994 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%	+0.32%	+0.27	2 / 8	Q1
1W	+0.15%	+0.02%	+0.13	3 / 8	Q2
2W	+0.44%	+0.23%	+0.21	3 / 8	Q2
1M	+1.43%	+1.04%	+0.39	4 / 8	Q2
3M	+1.39%	+1.96%	-0.57	5 / 8	Q3
6M	-3.54%	-0.13%	-3.42	7 / 8	Q4
YTD	-5.06%	-1.40%	-3.66	7 / 8	Q4
1Y	-4.18%	-1.60%	-2.58	7 / 8	Q4
2Y	-2.27%	+0.75%	-3.02	6 / 8	Q3
3Y	+8.53%	+9.13%	-0.61	6 / 8	Q3
4Y	+10.30%	+11.36%	-1.05	6 / 8	Q3
5Y	+8.08%	+9.44%	-1.36	7 / 8	Q4
7Y	+12.84%	+11.81%	+1.03	4 / 8	Q2
10Y	+11.42%	+10.39%	+1.03	4 / 8	Q2
Inception	+10.58%	+8.79%	+1.79	3 / 8	Q2

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	-5.06%	-2.61%	-2.45	6 / 7
2025	+3.28%	+2.35%	+0.93	4 / 7
2024	+13.43%	+14.40%	-0.97	5 / 7
2023	+23.22%	+23.33%	-0.11	4 / 7
2022	-4.01%	+0.56%	-4.56	6 / 7
2021	+32.34%	+25.51%	+6.83	3 / 7
2020	+19.14%	+15.52%	+3.63	2 / 7
2019	+6.58%	+7.06%	-0.48	5 / 7
2018	-4.13%	-4.00%	-0.12	5 / 7
2017	+37.27%	+23.30%	+13.97	2 / 8
2016	+5.35%	+7.55%	-2.19	6 / 8

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

+12.67%

236 windows

min -23.0% · max 62.8%

75% positive

3-Year rolling

+12.28%

211 windows

min -3.5% · max 27.2%

97% positive

5-Year rolling

+12.04%

187 windows

min 1.7% · max 23.4%

100% positive

7-Year rolling

+11.90%

163 windows

min 5.4% · max 16.4%

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

12.97%

3-year · annualised

Sharpe ratio

0.19

vs risk-free 6.5%

Sortino ratio

0.30

Downside-only deviation

Max drawdown

-19.77%

Sep 2024 → Mar 2026

% 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.

Peers in Children's Fund

Scheme	Fund house	NAV	As of
HDFC Children Gift Fund-Investment	HDFC	₹292.6050	17 Jul 2026
ICICI Prudential Child Care- Gift Plan	ICICI Prudential	₹328.7400	17 Jul 2026
UTI C C BALANCED FUND	UTI	₹40.6505	17 Jul 2026
LICMF Children Fund	LIC	₹33.2941	17 Jul 2026
Tata Young Citizen [After 7 years]	Tata	₹57.2872	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹81.7119
16 Jul 2026	₹81.2312
15 Jul 2026	₹81.4221
14 Jul 2026	₹81.2083
13 Jul 2026	₹81.6197
10 Jul 2026	₹81.5887
9 Jul 2026	₹80.7457
8 Jul 2026	₹80.3173
7 Jul 2026	₹81.9430
6 Jul 2026	₹81.8624

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 CC-BOND-Income is ₹81.7119. It's a Children's Fund from UTI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

UTI CC-BOND-Income has NAV history starting from 03 Apr 2006, a track record of about 20 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 CC-BOND-Income is managed by UTI. It's classified by AMFI under the 'Children's Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, UTI CC-BOND-Income has delivered a absolute return of -4.18% — -2.58 pp behind the Children's Fund category average of -1.60%. The fund ranks #7 of 8 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI CC-BOND-Income has delivered a CAGR of 8.53% — -0.61 pp behind the Children's Fund category average of 9.13%. The fund ranks #6 of 8 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI CC-BOND-Income has delivered a CAGR of 8.08% — -1.36 pp behind the Children's Fund category average of 9.44%. The fund ranks #7 of 8 in its category — the bottom (Q4) quartile.

₹1 lakh invested in UTI CC-BOND-Income exactly 10 years ago would be worth approximately ₹294,865 today — a multiplier of 2.95×, based on the 10-year CAGR of 11.42%. The category average over the same window would have grown ₹1 lakh to ₹268,650.

A ₹10,000 monthly SIP in UTI CC-BOND-Income over the last 5 years — total invested ₹600,000 — would be worth ₹711,008 today. That's an XIRR (money-weighted annualised return) of 6.72%.

A ₹10,000 monthly SIP for 10 years in UTI CC-BOND-Income = ₹1,200,000 invested. It would currently be worth ₹2,085,226 (multiplier 1.74×). XIRR: 10.65%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI CC-BOND-Income ranks #7 out of 8 funds in the Children's Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 9.44%; this fund delivered 8.08%.

The worst peak-to-trough decline UTI CC-BOND-Income has experienced over the last 5-year window is 21.67% — its NAV fell from a high on 17 Jan 2022 to a low on 17 Jun 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 CC-BOND-Income averaged 12.04% (best 23.43%, worst 1.75%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.15 — weak risk-adjusted performance.

In calendar year 2025, UTI CC-BOND-Income returned 3.28% — beating the Children's Fund category average of 2.35% by 0.93 pp. It ranked #4 of 7 in its category that year.

UTI CC-BOND-Income 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 CC-BOND-Income 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. Worst 5-year drawdown: 21.7%. 5-year CAGR: 8.08%.

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