Should I invest in UTI Conservative Hybrid Fund?

We don't give personal investment advice. UTI Conservative Hybrid Fund - Direct Plan - Growth Option is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.9%. 5-year CAGR: 8.47%.

UTI

UTI Conservative Hybrid Fund - Direct Plan - Growth Option

Latest NAV

₹75.1459

As of

3 Jun 2026

3,235 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	+0.16%	+28.03%	-27.87	5 / 19	Q2
1W	-0.24%	+21.43%	-21.67	12 / 20	Q3
2W	+0.18%	+21.87%	-21.69	10 / 20	Q2
1M	-0.35%	+17.95%	-18.30	13 / 20	Q3
3M	-1.19%	+24.54%	-25.73	15 / 19	Q4
6M	-1.70%	+17.20%	-18.90	17 / 18	Q4
YTD	-1.97%	+9.83%	-11.80	17 / 19	Q4
1Y	+0.27%	+20.85%	-20.57	16 / 18	Q4
2Y	+5.41%	+10.57%	-5.16	11 / 18	Q3
3Y	+8.31%	+8.42%	-0.11	11 / 17	Q3
4Y	+8.73%	+8.73%	0.00	11 / 17	Q3
5Y	+8.47%	+8.00%	+0.47	6 / 16	Q2
7Y	+8.45%	+8.39%	+0.06	9 / 15	Q3
10Y	+8.32%	+8.30%	+0.02	8 / 15	Q3
Inception	+9.17%	+22.72%	-13.55	10 / 18	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	-1.97%	-0.59%	-1.38	16 / 17
2025	+6.75%	+6.91%	-0.16	10 / 17
2024	+12.29%	+11.24%	+1.05	4 / 17
2023	+11.80%	+11.79%	+0.01	10 / 17
2022	+3.91%	+21.59%	-17.68	11 / 17
2021	+13.64%	+3.40%	+10.25	6 / 17
2020	+10.78%	+10.27%	+0.51	8 / 15
2019	+3.55%	+7.64%	-4.09	13 / 15
2018	+4.25%	+2.08%	+2.17	5 / 15
2017	+12.86%	+10.89%	+1.97	4 / 15
2016	+9.55%	+10.70%	-1.15	12 / 15

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

+10.00%

152 windows

min -9.9% · max 25.9%

96% positive

3-Year rolling

+9.44%

127 windows

min 1.4% · max 15.5%

100% positive

5-Year rolling

+9.06%

103 windows

min 4.3% · max 12.9%

100% positive

7-Year rolling

+8.72%

79 windows

min 7.7% · max 10.0%

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

4.52%

3-year · annualised

Sharpe ratio

0.36

vs risk-free 6.5%

Sortino ratio

0.63

Downside-only deviation

Max drawdown

-4.47%

Jan 2026 → Mar 2026

% positive months

72.2%

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 Conservative Hybrid Fund

Scheme	Fund house	NAV	As of
HDFC Hybrid Debt Fund - Growth Option - Direct Plan	HDFC	₹87.6361	3 Jun 2026
Nippon India Conservative Hybrid Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹67.3366	3 Jun 2026
SBI Conservative Hybrid Fund - Direct Plan - Growth	SBI	₹82.3146	3 Jun 2026
ICICI Prudential Regular Savings Fund - Direct Plan - Growth	ICICI Prudential	₹85.9815	3 Jun 2026
BANDHAN Conservative Hybrid Fund-Direct Plan-Growth	Bandhan	₹36.1366	3 Jun 2026
Aditya Birla Sun Life Regular Savings Fund - Growth / Payment - Direct Plan	Aditya Birla Sun Life	₹77.2696	3 Jun 2026
Franklin India Conservative Hybrid Fund - Direct - GROWTH	Franklin India	₹100.2188	3 Jun 2026
Kotak Debt Hybrid - Growth - Direct	Kotak	₹67.9807	3 Jun 2026
Parag Parikh Conservative Hybrid Fund - Direct Plan - Growth	Parag Parikh	₹15.7248	3 Jun 2026
DSP Regular Savings Fund - Direct Plan - Growth	DSP	₹67.7367	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹75.1459
2 Jun 2026	₹75.2226
1 Jun 2026	₹75.1050
29 May 2026	₹75.2245
27 May 2026	₹75.4077
26 May 2026	₹75.4008
25 May 2026	₹75.4237
22 May 2026	₹75.0663
21 May 2026	₹74.9833
20 May 2026	₹75.0469

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 Conservative Hybrid Fund - Direct Plan - Growth Option is ₹75.1459. It's a Conservative Hybrid Fund from UTI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

UTI Conservative Hybrid Fund - Direct Plan - Growth Option has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

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

Over the trailing 1-year window, UTI Conservative Hybrid Fund - Direct Plan - Growth Option has delivered a absolute return of 0.27% — -20.57 pp behind the Conservative Hybrid Fund category average of 20.85%. The fund ranks #16 of 18 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, UTI Conservative Hybrid Fund - Direct Plan - Growth Option has delivered a CAGR of 8.31% — -0.11 pp behind the Conservative Hybrid Fund category average of 8.42%. The fund ranks #11 of 17 in its category — the third (Q3) quartile.

Over the trailing 5-year window, UTI Conservative Hybrid Fund - Direct Plan - Growth Option has delivered a CAGR of 8.47% — +0.47 pp ahead of the Conservative Hybrid Fund category average of 8.00%. The fund ranks #6 of 16 in its category — the second (Q2) quartile.

₹1 lakh invested in UTI Conservative Hybrid Fund - Direct Plan - Growth Option exactly 10 years ago would be worth approximately ₹222,379 today — a multiplier of 2.22×, based on the 10-year CAGR of 8.32%. The category average over the same window would have grown ₹1 lakh to ₹222,018.

A ₹10,000 monthly SIP in UTI Conservative Hybrid Fund - Direct Plan - Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹719,752 today. That's an XIRR (money-weighted annualised return) of 7.21%.

A ₹10,000 monthly SIP for 10 years in UTI Conservative Hybrid Fund - Direct Plan - Growth Option = ₹1,200,000 invested. It would currently be worth ₹1,825,329 (multiplier 1.52×). XIRR: 8.13%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, UTI Conservative Hybrid Fund - Direct Plan - Growth Option ranks #6 out of 16 funds in the Conservative Hybrid Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 8.00%; this fund delivered 8.47%.

The worst peak-to-trough decline UTI Conservative Hybrid Fund - Direct Plan - Growth Option has experienced over the last 5-year window is 4.87% — its NAV fell from a high on 16 Nov 2021 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 Conservative Hybrid Fund - Direct Plan - Growth Option averaged 9.06% (best 12.95%, worst 4.31%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.39 — weak risk-adjusted performance.

In calendar year 2025, UTI Conservative Hybrid Fund - Direct Plan - Growth Option returned 6.75% — lagging the Conservative Hybrid Fund category average of 6.91% by 0.16 pp. It ranked #10 of 17 in its category that year.

UTI Conservative Hybrid Fund - Direct Plan - Growth Option is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

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

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.9%. 5-year CAGR: 8.47%.

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

UTI Conservative Hybrid Fund - Direct Plan - Growth Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Conservative Hybrid Fund

Recent NAVs

Frequently asked questions

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